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Payo enables micropayments between AI agents and MCP tool providers. Agents pay per tool call, providers earn revenue automatically.

I'm building an AI Agent

Learn how to enable your agent to use paid MCP tools

I'm an MCP Provider

Learn how to monetize your MCP tools

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The Problem

MCP (Model Context Protocol) lets AI agents use external tools. But there’s no built-in way for providers to charge for their tools, or for agents to pay. For providers: You’ve built valuable MCP tools but can’t monetize them. For agents: You want to use premium tools but there’s no payment mechanism.

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How Payo Works

1

Providers wrap their MCP server

Add withPayments() from the Payo SDK to enable charging. Define prices per tool.
2

Agents get a token

Sign up at payo.dev, deposit credits, and get an agent token.
3

Agents call tools

When an agent calls a paid tool, Payo automatically charges their balance and credits the provider.

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Key Concepts

A secret key (sk_live_...) that identifies the agent making tool calls. Agents pass this token when calling MCP tools. Each call is charged to the agent’s balance.
A secret key that providers use to authenticate with the Payo platform. Used server-side in the SDK configuration.
Providers set a USD price for each tool. Example: { "get_weather": 0.01, "analyze_image": 0.05 }. Free tools can have price 0.
Agents have a credits balance (deposited funds). Providers have an earnings balance (revenue earned). Payo handles the transfer automatically.

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Next Steps

Agent Quickstart

Get started in 5 minutes

Provider Quickstart

Start earning in 10 minutes

How It Works

Deep dive into the architecture

SDK Reference

Full API documentation