> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payo.dev/llms.txt
> Use this file to discover all available pages before exploring further.

# Quickstart: Providers

> Monetize your MCP tools in 10 minutes

<Info>
  **Prerequisites**: An existing MCP server built with the official `@modelcontextprotocol/sdk` package. Cloudflare MCP package (`@cloudflare/agents`) support coming soon.

  Want your MCP framework supported? Contact us at [cheng@payo.dev](mailto:cheng@payo.dev)
</Info>

## 1. Create an Account

<Steps>
  <Step title="Go to payo.dev">
    Visit [payo.dev](https://payo.dev) and click **Get Started**.
  </Step>

  <Step title="Sign in with Google">
    Authenticate using your Google account.
  </Step>

  <Step title="Select your role">
    Choose **Provider** to access the provider dashboard.
  </Step>
</Steps>

## 2. Create an API Key

On your first visit, you'll be prompted to create your first API key.

<Steps>
  <Step title="Name your key">
    Give it a name like "Production Server".
  </Step>

  <Step title="Copy the key">
    Copy the key immediately. It starts with `sk_live_` and **won't be shown again**.
  </Step>
</Steps>

<Warning>
  This key authenticates charge requests. Keep it secret and never expose it in client-side code.
</Warning>

## 3. Install the SDK

```bash theme={null}
npm install @payo/mcp
```

## 4. Wrap Your Server

Import `withPayments` and wrap your MCP server:

```typescript server.ts theme={null}
import { McpServer } from '@modelcontextprotocol/sdk/server/mcp.js';
import { withPayments } from '@payo/mcp';

// Create your MCP server as usual
const server = new McpServer({
  name: 'weather-api',
  version: '1.0.0'
});

// Wrap with payments
const paidServer = withPayments(server, {
  apiKey: process.env.PAYO_API_KEY,
  pricing: {
    'get_weather': 0.01,      // $0.01 per call
    'get_forecast': 0.05,     // $0.05 per call
    'get_location': 0,        // Free
  }
});

// Register tools as normal
paidServer.tool('get_weather', {
  description: 'Get current weather for a city',
  inputSchema: {
    type: 'object',
    properties: {
      city: { type: 'string' }
    },
    required: ['city']
  }
}, async ({ city }) => {
  // Your tool implementation
  return { temperature: 72, conditions: 'sunny' };
});

// Start the server
paidServer.connect(transport);
```

## 5. Set Environment Variable

Store your API key as an environment variable:

```bash theme={null}
export PAYO_API_KEY=sk_live_your_provider_key_here
```

For production, use your hosting provider's secrets management (Vercel, Railway, etc.).

## 6. Deploy

Deploy your server as you normally would. The SDK handles payment automatically:

1. **Free tools** (price: 0) execute immediately
2. **Paid tools** charge the agent first, then execute
3. **No token?** Returns a helpful error message

## How Charging Works

When an agent calls `get_weather`:

1. Agent sends a tool call request with their token
2. SDK intercepts and sees the price is \$0.01
3. SDK calls Payo to charge the agent
4. Payo validates and transfers \$0.01 from agent to provider
5. SDK executes your tool handler
6. Result returned to agent

## Example: Complete Server

Here's a full example with multiple tools:

```typescript weather-server.ts theme={null}
import { McpServer } from '@modelcontextprotocol/sdk/server/mcp.js';
import { StdioServerTransport } from '@modelcontextprotocol/sdk/server/stdio.js';
import { withPayments } from '@payo/mcp';

const server = new McpServer({
  name: 'weather-api',
  version: '1.0.0'
});

const paidServer = withPayments(server, {
  apiKey: process.env.PAYO_API_KEY!,
  pricing: {
    'get_weather': 0.01,
    'get_forecast': 0.05,
    'get_alerts': 0.02,
    'list_cities': 0,  // Free discovery tool
  },
  providerName: 'WeatherAPI',  // Shown in error messages
  errorVerbosity: 'detailed',  // Helpful errors for agents
});

// Free tool - no payment required
paidServer.tool('list_cities', {
  description: 'List supported cities (free)',
}, async () => {
  return ['New York', 'Los Angeles', 'Chicago', 'Houston'];
});

// Paid tools
paidServer.tool('get_weather', {
  description: 'Get current weather ($0.01)',
  inputSchema: {
    type: 'object',
    properties: { city: { type: 'string' } },
    required: ['city']
  }
}, async ({ city }) => {
  return { city, temp: 72, conditions: 'sunny' };
});

paidServer.tool('get_forecast', {
  description: 'Get 7-day forecast ($0.05)',
  inputSchema: {
    type: 'object',
    properties: { city: { type: 'string' } },
    required: ['city']
  }
}, async ({ city }) => {
  return { city, forecast: ['sunny', 'cloudy', 'rain', 'sunny', 'sunny', 'cloudy', 'sunny'] };
});

// Connect via stdio
const transport = new StdioServerTransport();
paidServer.connect(transport);
```

## Monitoring Earnings

View your earnings in the **Wallet** page:

* Total earnings
* Transaction history (tool, amount, agent, timestamp)
* Withdrawal options (coming soon)

## Next Steps

<CardGroup cols={2}>
  <Card title="SDK Configuration" icon="gear" href="/sdk/configuration">
    All configuration options
  </Card>

  <Card title="Setting Prices" icon="dollar-sign" href="/guides/provider/pricing">
    How to set and update prices
  </Card>

  <Card title="Error Handling" icon="triangle-exclamation" href="/guides/provider/error-handling">
    Customize error messages
  </Card>

  <Card title="SDK Reference" icon="book" href="/sdk/with-payments">
    Full API documentation
  </Card>
</CardGroup>