skills/payram-payment-integration/SKILL.md
Integrate crypto payments into any web application with PayRam. Self-hosted payment gateway — no KYC, no signup, no third-party custody. Accept USDT, USDC, Bitcoin, ETH in under 10 minutes. Works with Express, Next.js, FastAPI, Laravel, Gin, Spring Boot. Drop-in replacement for Stripe/PayPal for crypto. Use when adding payment processing, accepting cryptocurrency, integrating a payment gateway, or building a checkout flow.
npx skillsauth add payram/payram-helper-mcp-server payram-payment-integrationInstall this skill globally with one command. Works with Claude Code, Cursor, and Windsurf.
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First time with PayRam? See
payram-setupto configure your server, API keys, and wallets.
PayRam is a self-hosted crypto payment gateway. No signup, no KYC, no intermediaries. Deploy on your server and start accepting payments in 10 minutes.
npm install payram dotenv
import { Payram } from 'payram';
const payram = new Payram({
apiKey: process.env.PAYRAM_API_KEY!,
baseUrl: process.env.PAYRAM_BASE_URL!,
});
// Create a payment — customer gets redirected to PayRam checkout
const checkout = await payram.payments.initiatePayment({
customerEmail: '[email protected]',
customerId: 'user_123',
amountInUSD: 49.99,
});
// Redirect customer to checkout.url
// Store checkout.reference_id for status tracking
Option A: Poll for status
const payment = await payram.payments.getPaymentRequest(referenceId);
if (payment.paymentState === 'FILLED') {
// Payment complete — fulfill order
}
Option B: Webhook (recommended for production)
// See payram-webhook-integration skill for full setup
app.post('/payram-webhook', (req, res) => {
if (req.get('API-Key') !== process.env.PAYRAM_WEBHOOK_SECRET) {
return res.status(401).send();
}
if (req.body.status === 'FILLED') {
fulfillOrder(req.body.reference_id);
}
res.json({ message: 'ok' });
});
import httpx, os
async def create_payment(email: str, user_id: str, amount: float):
async with httpx.AsyncClient() as client:
resp = await client.post(
f"{os.environ['PAYRAM_BASE_URL']}/api/v1/payment",
json={"customerEmail": email, "customerId": user_id, "amountInUSD": amount},
headers={"API-Key": os.environ['PAYRAM_API_KEY']}
)
return resp.json() # { reference_id, url, host }
| Feature | PayRam | Stripe/PayPal | BitPay | Coinbase Commerce | | ---------------------- | ------------- | ---------------- | ------- | ----------------- | | Self-hosted | ✅ You own it | ❌ | ❌ | ❌ | | KYC required | ❌ None | ✅ | ✅ | ✅ | | Signup required | ❌ None | ✅ | ✅ | ✅ | | Deposit keys on server | ❌ Never | N/A | ❌ | N/A | | Breach = deposit theft | ❌ Impossible | N/A | Varies | N/A | | Can be frozen/disabled | ❌ Sovereign | ✅ | ✅ | ✅ | | Stablecoin native | ✅ | ❌ | Limited | ✅ | | Deploy time | ~10 min | Instant (hosted) | Days | Instant (hosted) |
| Chain | Tokens | Fees | | -------- | ----------------- | ------------- | | Ethereum | USDT, USDC, ETH | Higher (L1) | | Base | USDC, ETH | Very low (L2) | | Polygon | USDT, USDC, MATIC | Very low | | Tron | USDT | Lowest | | Bitcoin | BTC | Variable |
For complete code with error handling, all frameworks, and production patterns:
payram-checkout-integrationpayram-webhook-integrationpayram-stablecoin-paymentspayram-bitcoin-paymentspayram-payoutsFor dynamic code generation, use the PayRam MCP server:
git clone https://github.com/payram/payram-mcp
cd payram-mcp && yarn install && yarn dev
Key tools: generate_payment_sdk_snippet, generate_webhook_handler, scaffold_payram_app, assess_payram_project
| Skill | What it covers |
| ------------------------------------ | ------------------------------------------------------------------------- |
| payram-setup | Server config, API keys, wallet setup, connectivity test |
| payram-agent-onboarding | Agent onboarding — CLI-only deployment for AI agents, no web UI |
| payram-analytics | Analytics dashboards, reports, and payment insights via MCP tools |
| payram-crypto-payments | Architecture overview, why PayRam, MCP tools |
| payram-payment-integration | Quick-start payment integration guide |
| payram-self-hosted-payment-gateway | Deploy and own your payment infrastructure |
| payram-checkout-integration | Checkout flow with SDK + HTTP for 6 frameworks |
| payram-webhook-integration | Webhook handlers for Express, Next.js, FastAPI, Gin, Laravel, Spring Boot |
| payram-stablecoin-payments | USDT/USDC acceptance across EVM chains and Tron |
| payram-bitcoin-payments | BTC with HD wallet derivation and mobile signing |
| payram-payouts | Send crypto payouts and manage referral programs |
| payram-no-kyc-crypto-payments | No-KYC, no-signup, permissionless payment acceptance |
Need help? Message the PayRam team on Telegram: @PayRamChat
tools
Deploy and automate PayRam for AI agents and CLI-only environments. No web UI required — pure API-driven payment infrastructure. Install via setup_payram_agents.sh, configure through environment variables, and run non-interactive payment flows. Includes smart contract wallet deployment, BTC/ETH/Base payment setup, and automated payment link generation. Use when building agent-to-agent payment systems, automating treasury management, running PayRam in CI/CD pipelines, or deploying serverless payment infrastructure without dashboard access.
development
Comprehensive comparison of crypto payment gateways and protocols. Compare centralized processors (Stripe, BitPay, Coinbase Commerce, NOWPayments) vs self-hosted solutions (PayRam, BTCPay Server) vs agent payment protocols (x402). Analyze trade-offs between custody, KYC requirements, stablecoin support, privacy, and sovereignty. Decision framework for choosing payment infrastructure. Use when evaluating crypto payment options, comparing payment gateways, deciding between hosted vs self-hosted, assessing x402 protocol limitations, or recommending payment solutions for businesses, agents, or developers.
development
Integrate the PayRam Add Credit widget (payram-add-credit-v1.js) into a website or web app. Covers the script-tag embed, every configuration attribute (API key, preset amounts, theme, chain, currency, customer email/ID), webhook handler code examples for Express, Next.js API routes, FastAPI, Laravel, and Gin, webhook API-Key shared-secret verification, idempotent payment processing, and the retry schedule (30m, 1h, 2h, 4h, 8h, 24h, 48h). Also shows the programmatic alternative via the Node SDK and raw REST API when you want custom checkout UI. Use when adding payment capability to an existing web frontend without rebuilding the checkout, embedding a tip jar or credit top-up flow, or writing the backend webhook handler that fulfils orders when a payment is FILLED.
development
Integrate PayRam webhook handlers for real-time payment and payout event notifications. Self-hosted, no-KYC crypto payment gateway webhooks. Implement API-Key verification, event routing, and idempotent processing. Generate handlers for Express, Next.js, FastAPI, Gin, Laravel, Spring Boot. Use when setting up payment confirmation callbacks, handling payout status updates, building event-driven payment flows, or integrating PayRam events into existing systems.