agentic-payment-mcp

> Prototype — Python 3.11 · MCP SDK · Pydantic v2 · pytest-asyncio

As payments evolve from transactional services into intelligent agentic experiences, agentic commerce platforms face a structural gap: shopping agents (LLMs orchestrating purchase flows) need to initiate payment operations, but acquiring infrastructure was designed for human-driven, session-authenticated requests, not autonomous AI clients with delegated authority. This MCP server implements the validation layer that bridges that gap — enforcing Know-Your-Agent (KYA) identity binding, deterministic fraud signal scoring, and capture pre-flight governance before any payment request reaches the SEP (Single Entry Point). It ensures that AI-initiated payment operations satisfy the same identity, risk, and regulatory requirements as human-initiated ones, without adding a dependency on LLM inference to the authorization critical path.

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┌─────────────────────────────────────────────────────────────────────────────┐
│                            AGENTIC COMMERCE FLOW                            │
│                                                                             │
│   ┌────────────────┐     MCP Protocol     ┌─────────────────────────────┐   │
│   │ Shopping Agent │ ◄──────────────────► │   MCP Server                │   │
│   │  (LLM client)  │   stdio / HTTP+SSE   │   (this project)            │   │
│   └────────────────┘                      │                             │   │
│          │                                │  1. validate_agent          │   │
│          │  Orchestrate tool calls        │     KYA gate (15 ms)        │   │
│          │  Select next step based        │                             │   │
│          │  on tool output                │  2. check_fraud_signals     │   │
│          │                                │     Risk scoring (25 ms)    │   │
│          │