Tracent Paystack MCP Server: agent-callable Paystack for African commerce

The ten tools

Read-heavy by design. Two of the ten write tools, both PIN-gated. Each tool has a Zod schema, structured errors, per-tool rate limits, and an audit-log row written to gateway_logs on every call.

• create_payment_linkHITL conditional

  Create a payment link

  Initialise a transaction and return an authorised payment URL.

• verify_payment

  Verify a payment

  Confirm the status of a transaction by its reference.

• list_transactions

  List transactions

  Paginated transactions with status, amount, and date filters.

• get_transaction

  Get a transaction

  Full detail for a single transaction.

• list_customers

  List customers

  Paginated customers with email and phone tokenised.

• create_customerHITL

  Create a customer

  Register a customer record in your Paystack account.

• initiate_refundHITL

  Initiate a refund

  Refund a transaction, fully or partially.

• list_balances

  List balances

  Current balances per currency, in kobo.

• get_settlements

  List settlements

  Settlement history with amounts and dates.

• list_payment_pages

  List payment pages

  Recurring payment pages with slugs and URLs.

Example prompts

What a customer or staff member can ask their agent once the server is connected. Pidgin and English both flow through the same MCP surface.

• create_payment_link

  “Generate a payment link for Mary's outstanding ₦25,000 invoice.”

  Pidgin: “Make payment link for Mary outstanding ₦25,000 invoice.”

• verify_payment

  “Did the payment for reference INV-2026-001 settle?”

• list_transactions

  “Show me yesterday's failed transactions over ₦100,000.”

  Pidgin: “Show me yesterday transactions wey fail and pass ₦100,000.”

• get_transaction

  “Pull the full record for transaction 4892173.”

• list_customers

  “List the most recent twenty customers.”

• create_customer

  “Add Bashir Yusuf as a customer with email bashir@example.com.”

OAuth scopes

The minimum-permission set the hosted gateway requests during the two-click Paystack connection. Each scope maps to a defined subset of the ten tools.

• transactions:readList, get, and verify transactions.
• transactions:writeCreate payment links and process refunds (HITL-gated).
• customers:readList customer records, with PII tokenised at the gateway.
• customers:writeCreate customers (HITL-gated).
• balances:readRead current balances and settlement history.
• pages:readList payment pages.

What each tier unlocks

• Self-hosted

  MIT-licensed npm package. Bring your own Paystack key, run in Claude Desktop. No gateway, no guardrails beyond what you build yourself.

  Free

• Starter

  Hosted gateway. Two-click OAuth. Seven guardrails active. 5 connected MCP servers. 90-day audit retention.

  ₦150,000/month

• Growth

  Up to 20 connected servers. 500,000 calls/month. 1-year audit retention. Priority support. A2A coordination tier 1.

  ₦300,000/month

• Enterprise

  Unlimited servers and calls. 7-year retention. Full Agentic Boundary. Bespoke MCP builds. On-premise option. DPO advisory hours.

  Custom, from ₦20M/year