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Basic MCP Server

A minimal paid MCP server:
basic-server.ts
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: 'basic-api',
  version: '1.0.0'
});

const paidServer = withPayments(server, {
  apiKey: process.env.PAYO_API_KEY!,
  pricing: {
    'hello': 0.01,
  }
});

paidServer.tool('hello', {
  description: 'Say hello ($0.01)',
  inputSchema: {
    type: 'object',
    properties: {
      name: { type: 'string' }
    },
    required: ['name']
  }
}, async ({ name }) => {
  return { message: `Hello, ${name}!` };
});

const transport = new StdioServerTransport();
paidServer.connect(transport);
Run it: 
PAYO_API_KEY=sk_live_xxx node basic-server.js

​
Mixed Free and Paid Tools

Offer some tools for free to attract users:
mixed-pricing.ts
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: 'data-api',
  version: '1.0.0'
});

const paidServer = withPayments(server, {
  apiKey: process.env.PAYO_API_KEY!,
  pricing: {
    // Free discovery tools
    'list_datasets': 0,
    'get_schema': 0,

    // Paid data access
    'query_data': 0.05,
    'export_csv': 0.10,
    'run_analysis': 0.25,
  },
  providerName: 'DataAPI',
});

// Free: Let users explore
paidServer.tool('list_datasets', {
  description: 'List available datasets (free)',
}, async () => {
  return ['sales', 'customers', 'products', 'orders'];
});

paidServer.tool('get_schema', {
  description: 'Get dataset schema (free)',
  inputSchema: {
    type: 'object',
    properties: { dataset: { type: 'string' } },
    required: ['dataset']
  }
}, async ({ dataset }) => {
  const schemas = {
    sales: { columns: ['date', 'amount', 'product_id'] },
    customers: { columns: ['id', 'name', 'email'] },
  };
  return schemas[dataset] || { error: 'Dataset not found' };
});

// Paid: Actual data access
paidServer.tool('query_data', {
  description: 'Query a dataset ($0.05)',
  inputSchema: {
    type: 'object',
    properties: {
      dataset: { type: 'string' },
      limit: { type: 'number' }
    },
    required: ['dataset']
  }
}, async ({ dataset, limit = 10 }) => {
  // Your data query logic
  return { rows: [], count: 0 };
});

const transport = new StdioServerTransport();
paidServer.connect(transport);

​
HTTP Transport Server

For web-deployed MCP servers:
http-server.ts
import { McpServer } from '@modelcontextprotocol/sdk/server/mcp.js';
import { StreamableHTTPServerTransport } from '@modelcontextprotocol/sdk/server/streamableHttp.js';
import { withPayments } from '@payo/mcp';
import express from 'express';

const app = express();
app.use(express.json());

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

const paidServer = withPayments(server, {
  apiKey: process.env.PAYO_API_KEY!,
  pricing: {
    'analyze': 0.05,
  }
});

paidServer.tool('analyze', {
  description: 'Analyze text ($0.05)',
  inputSchema: {
    type: 'object',
    properties: { text: { type: 'string' } },
    required: ['text']
  }
}, async ({ text }) => {
  return {
    wordCount: text.split(/\s+/).length,
    charCount: text.length,
  };
});

// Create transport for each request
app.post('/mcp', async (req, res) => {
  const transport = new StreamableHTTPServerTransport({
    sessionIdGenerator: () => crypto.randomUUID(),
  });

  // Pass request headers to transport (includes Authorization)
  await paidServer.connect(transport);
  await transport.handleRequest(req, res, req.body);
});

app.listen(3000, () => {
  console.log('MCP server running on http://localhost:3000/mcp');
});
Agents connect with: 
const response = await fetch('http://localhost:3000/mcp', {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json',
    'Authorization': 'Bearer sk_live_agent_token'
  },
  body: JSON.stringify({
    jsonrpc: '2.0',
    method: 'tools/call',
    params: { name: 'analyze', arguments: { text: 'Hello world' } },
    id: 1
  })
});

​
Custom Error Messages

Customize how errors appear to agents:
custom-errors.ts
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: 'premium-api',
  version: '1.0.0'
});

const paidServer = withPayments(server, {
  apiKey: process.env.PAYO_API_KEY!,
  pricing: {
    'premium_feature': 1.00,
  },

  // Custom branding
  providerName: 'Premium Data Co',

  // Concise errors (less verbose)
  errorVerbosity: 'concise',
});

// Error will say:
// "Payment required for 'premium_feature' ($1.00). Get your token at https://payo.dev/agent/api-keys"
// Instead of the multi-line detailed version

​
Debug Logging

Enable verbose logging for development:
debug-logging.ts
import { McpServer } from '@modelcontextprotocol/sdk/server/mcp.js';
import { StdioServerTransport } from '@modelcontextprotocol/sdk/server/stdio.js';
import { withPayments, LogLevel } from '@payo/mcp';

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

const paidServer = withPayments(server, {
  apiKey: process.env.PAYO_API_KEY!,
  pricing: {
    'my_tool': 0.01,
  },

  // Enable debug logging
  logLevel: LogLevel.DEBUG,
});

// Logs will show:
// [payo:debug] Initializing payment wrapper
// [payo:debug] Registered pricing for 1 tools
// [payo:debug] Tool call: my_tool
// [payo:debug] Extracting agent token
// [payo:debug] Token found: sk_l****xyz9
// [payo:debug] Charging $0.01 for my_tool
// [payo:debug] Charge successful: txn_abc123
// [payo:info] Charged $0.01 for my_tool

​
Custom Logger

Integrate with your logging system:
custom-logger.ts
import { McpServer } from '@modelcontextprotocol/sdk/server/mcp.js';
import { StdioServerTransport } from '@modelcontextprotocol/sdk/server/stdio.js';
import { withPayments, LogLevel } from '@payo/mcp';
import pino from 'pino';

const pinoLogger = pino({ level: 'debug' });

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

const paidServer = withPayments(server, {
  apiKey: process.env.PAYO_API_KEY!,
  pricing: { 'my_tool': 0.01 },

  logLevel: LogLevel.DEBUG,
  logger: {
    debug: (msg, meta) => pinoLogger.debug(meta, msg),
    info: (msg, meta) => pinoLogger.info(meta, msg),
    warn: (msg, meta) => pinoLogger.warn(meta, msg),
    error: (msg, meta) => pinoLogger.error(meta, msg),
  },
});

​
Fail Open Mode

Keep working during Payo outages:
fail-open.ts
import { McpServer } from '@modelcontextprotocol/sdk/server/mcp.js';
import { StdioServerTransport } from '@modelcontextprotocol/sdk/server/stdio.js';
import { withPayments, LogLevel } from '@payo/mcp';

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

const paidServer = withPayments(server, {
  apiKey: process.env.PAYO_API_KEY!,
  pricing: { 'critical_tool': 0.05 },

  // If Payo is down, run the tool anyway (no charge)
  failOpen: true,

  // Log warnings when this happens
  logLevel: LogLevel.WARN,
});

// If Payo is unreachable:
// [payo:warn] Platform unavailable, executing tool without charge (failOpen=true)
Only use failOpen: true if availability is critical and you accept free usage during outages.

​
TypeScript Types

Using SDK types for type safety:
typed-server.ts
import { McpServer } from '@modelcontextprotocol/sdk/server/mcp.js';
import { StdioServerTransport } from '@modelcontextprotocol/sdk/server/stdio.js';
import {
  withPayments,
  PaymentConfig,
  PricingConfig,
  LogLevel,
} from '@payo/mcp';

// Typed pricing config
const pricing: PricingConfig = {
  'tool_a': 0.01,
  'tool_b': 0.05,
};

// Typed full config
const config: PaymentConfig = {
  apiKey: process.env.PAYO_API_KEY!,
  pricing,
  logLevel: LogLevel.INFO,
  providerName: 'TypedAPI',
  errorVerbosity: 'detailed',
  failOpen: false,
};

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

const paidServer = withPayments(server, config);