Papaya MCP server

Which servers in the official MCP registry are Papaya's own, whether they answer, and what they offer. A program checked each of these, nobody copied them from a product page.

read 2026-10-16

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Whose server it is

Registry namecom.papayapay.consumer-production.mcp-agent/bill-paymentverified in the MCP registry

The registry name sits under papayapay.com. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

When we asked itchecked 2026-10-16

Stateanswerschecked 2026-10-16
Tools6
Server calls itselfPapaya Pay Any Bill
Server version1.29.0
Protocol version2025-06-18

On 2026-10-16 the server answered initialize and tools/list without a sign-in. First answer in 285 ms.

Measured dailydaily checks: 1, the first on 2026-10-19

Answeredmeasuring1 of the 7 daily checks it takes to print a share
Median first answer239 ms
Space in an agent's context≈ 4,759 tokensthe definitions of all its tools (6), which an agent carries on every turn
Tool definitionsB · 86 of 100

Parameters without a description: in 5 of 6

Worth a look

None of the five warning signs in these definitions.

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The state of vendors' MCP servers: method and numbers →

Tools it offers6 tools · read 2026-10-16

analyze_bill
Read a bill from the user's description and create it for payment. This is the first step. Capture every address and identifier on the bill (remit-to address, account/invoice number, any code or pin) - missing details can delay or fail…
check_payment_method
Optional: check whether the user has finished the secure form and a card is on the bill yet. Returns the card's last 4 digits and name when one is set, or a PENDING status when the form has not been completed. Use only if you need to…
confirm_payment_intent
Final step: submit the bill for payment, after a card has been set. You must have confirmed the amount with the user first (amount_to_pay may be partial) and quote their confirmation in user_amount_statement - do not call this until you…
get_new_auth_token
Get a fresh auth token when another tool fails with an authorization error. Pass the user's current refresh_token; returns a new auth_token/refresh_token pair to use on the retried call and on later calls. Call this only in response to an…
fetch_bill_status
Check the payment status of a submitted bill. Read `value` for the current status. statusEvaluatedDescription is only present when the payment was declined or failed, and then explains why - relay that reason to the user. It is omitted…
request_bill_cancellation
Cancel a submitted bill so it will not be paid. Use when the user wants to stop a bill they submitted; cancellation may be rejected if the payment has already progressed too far - relay any error to the user. Not for correcting bill…

How to connect

Add the server to your MCP client config. Claude Desktop, Cursor and most other clients read this shape:

{
  "mcpServers": {
    "bill-payment": {
      "type": "http",
      "url": "https://mcp-agent.consumer-production.papayapay.com/payagent/mcp"
    }
  }
}

Each line is something a program found when it went looking: the registry entry, the server's own answer, a spec that parses. A missing line means we did not find it, not that it does not exist.