How to integrate Razorpay MCP with OpenAI Agents SDK

This guide walks you through connecting Razorpay to the OpenAI Agents SDK using the Composio tool router. By the end, you'll have a working Razorpay agent that can list recent razorpay payment failures, create payment link for invoice, fetch refund status for customer through natural language commands. This guide will help you understand how to give your OpenAI Agents SDK agent real control over a Razorpay account through Composio's Razorpay MCP server. Before we dive in, let's take a quick look at the key ideas and tools involved.

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Razorpay is a payment gateway and financial services platform for Indian businesses. It helps companies accept payments, manage refunds, send invoices, and run payouts.

42 Tools

Introduction

This guide walks you through connecting Razorpay to the OpenAI Agents SDK using the Composio tool router. By the end, you'll have a working Razorpay agent that can list recent razorpay payment failures, create payment link for invoice, fetch refund status for customer through natural language commands.

This guide will help you understand how to give your OpenAI Agents SDK agent real control over a Razorpay account through Composio's Razorpay MCP server.

Before we dive in, let's take a quick look at the key ideas and tools involved.

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TL;DR

Here's what you'll learn:
  • Get and set up your OpenAI and Composio API keys
  • Install the necessary dependencies
  • Initialize Composio and create a Tool Router session for Razorpay
  • Configure an AI agent that can use Razorpay as a tool
  • Run a live chat session where you can ask the agent to perform Razorpay operations

What is OpenAI Agents SDK?

The OpenAI Agents SDK is a lightweight framework for building AI agents that can use tools and maintain conversation state. It provides a simple interface for creating agents with hosted MCP tool support.

Key features include:

  • Hosted MCP Tools: Connect to external services through hosted MCP endpoints
  • SQLite Sessions: Persist conversation history across interactions
  • Simple API: Clean interface with Agent, Runner, and tool configuration
  • Streaming Support: Real-time response streaming for interactive applications

What is the Razorpay MCP server, and what's possible with it?

The Razorpay MCP server is an implementation of the Model Context Protocol that connects your AI agent and assistants like Claude, Cursor, etc directly to your Razorpay account. It provides structured and secure access to your payments, orders, customers, invoices, payment links, settlements, and disputes, so your agent can collect payments, manage billing, review transactions, reconcile settlements, and monitor disputes on your behalf.

  • Payment collection and tracking: Have your agent create orders and payment links, review incoming payments, and cancel payment links that are no longer needed.
  • Customer and payment method management: Let the agent create customers, retrieve customer records, and review their saved payment methods.
  • Invoice and item management: Direct your agent to create billing items and invoices, update draft invoices, issue them to customers, and resend invoice notifications by email or SMS.
  • Transaction and settlement review: Instruct your agent to review orders, payments, and invoices, or retrieve settlement reconciliation reports for a specific date or month.
  • Dispute monitoring: Have your agent list payment disputes so your team can review and follow up on contested transactions.

What is the Composio tool router, and how does it fit here?

What is Composio SDK?

Composio's Composio SDK helps agents find the right tools for a task at runtime. You can plug in multiple toolkits (like Gmail, HubSpot, and GitHub), and the agent will identify the relevant app and action to complete multi-step workflows. This can reduce token usage and improve the reliability of tool calls. Read more here: Getting started with Composio SDK

The tool router generates a secure MCP URL that your agents can access to perform actions.

How the Composio SDK works

The Composio SDK follows a three-phase workflow:

  1. Discovery: Searches for tools matching your task and returns relevant toolkits with their details.
  2. Authentication: Checks for active connections. If missing, creates an auth config and returns a connection URL via Auth Link.
  3. Execution: Executes the action using the authenticated connection.

Step-by-step Guide

Step by step09 STEPS
1

Prerequisites

Before starting, make sure you have:
  • Composio API Key and OpenAI API Key
  • Primary know-how of OpenAI Agents SDK
  • A live Razorpay project
  • Some knowledge of Python or Typescript
2

Getting API Keys for OpenAI and Composio

OpenAI API Key
  • Go to the OpenAI dashboard and create an API key. You'll need credits to use the models, or you can connect to another model provider.
  • Keep the API key safe.
Composio API Key
3

Install dependencies

npm install @composio/openai-agents @openai/agents dotenv

Install the Composio SDK and the OpenAI Agents SDK.

4

Set up environment variables

bash
OPENAI_API_KEY=sk-...your-api-key
COMPOSIO_API_KEY=your-api-key
USER_ID=composio_user@gmail.com

Create a .env file and add your OpenAI and Composio API keys.

5

Import dependencies

import 'dotenv/config';
import { Composio } from '@composio/core';
import { OpenAIAgentsProvider } from '@composio/openai-agents';
import { Agent, hostedMcpTool, run, OpenAIConversationsSession } from '@openai/agents';
import * as readline from 'readline';
What's happening:
  • You're importing all necessary libraries.
  • The Composio and OpenAIAgentsProvider classes are imported to connect your OpenAI agent to Composio tools like Razorpay.
6

Set up the Composio instance

dotenv.config();

const composioApiKey = process.env.COMPOSIO_API_KEY;
const userId = process.env.USER_ID;

if (!composioApiKey) {
  throw new Error('COMPOSIO_API_KEY is not set. Create a .env file with COMPOSIO_API_KEY=your_key');
}
if (!userId) {
  throw new Error('USER_ID is not set');
}

// Initialize Composio
const composio = new Composio({
  apiKey: composioApiKey,
  provider: new OpenAIAgentsProvider(),
});
What's happening:
  • dotenv.config() loads your .env file so COMPOSIO_API_KEY and USER_ID are available as environment variables.
  • Creating a Composio instance using the API Key and OpenAIAgentsProvider class.
7

Create a Tool Router session

// Create Tool Router session for Razorpay
const session = await composio.create(userId as string, {
  toolkits: ['razorpay'],
});
const mcpUrl = session.mcp.url;

What is happening:

  • You give the Tool Router the user id and the toolkits you want available. Here, it is only razorpay.
  • The router checks the user's Razorpay connection and prepares the MCP endpoint.
  • The returned session.mcp.url is the MCP URL that your agent will use to access Razorpay.
  • This approach keeps things lightweight and lets the agent request Razorpay tools only when needed during the conversation.
8

Configure the agent

// Configure agent with MCP tool
const agent = new Agent({
  name: 'Assistant',
  model: 'gpt-5',
  instructions:
    'You are a helpful assistant that can access Razorpay. Help users perform Razorpay operations through natural language.',
  tools: [
    hostedMcpTool({
      serverLabel: 'tool_router',
      serverUrl: mcpUrl,
      headers: { 'x-api-key': composioApiKey },
      requireApproval: 'never',
    }),
  ],
});
What's happening:
  • We're creating an Agent instance with a name, model (gpt-5), and clear instructions about its purpose.
  • The agent's instructions tell it that it can access Razorpay and help with queries, inserts, updates, authentication, and fetching database information.
  • The tools array includes a hostedMcpTool that connects to the MCP server URL we created earlier.
  • The headers object includes the Composio API key for secure authentication with the MCP server.
  • requireApproval: 'never' means the agent can execute Razorpay operations without asking for permission each time, making interactions smoother.
9

Start chat loop and handle conversation

// Keep conversation state across turns
const conversationSession = new OpenAIConversationsSession();

// Simple CLI
const rl = readline.createInterface({
  input: process.stdin,
  output: process.stdout,
  prompt: 'You: ',
});

console.log('\nComposio Tool Router session created.');
console.log('\nChat started. Type your requests below.');
console.log("Commands: 'exit', 'quit', or 'q' to end\n");

try {
  const first = await run(agent, 'What can you help me with?', { session: conversationSession });
  console.log(`Assistant: ${first.finalOutput}\n`);
} catch (e) {
  console.error('Error:', e instanceof Error ? e.message : e, '\n');
}

rl.prompt();

rl.on('line', async (userInput) => {
  const text = userInput.trim();

  if (['exit', 'quit', 'q'].includes(text.toLowerCase())) {
    console.log('Goodbye!');
    rl.close();
    process.exit(0);
  }

  if (!text) {
    rl.prompt();
    return;
  }

  try {
    const result = await run(agent, text, { session: conversationSession });
    console.log(`\nAssistant: ${result.finalOutput}\n`);
  } catch (e) {
    console.error('Error:', e instanceof Error ? e.message : e, '\n');
  }

  rl.prompt();
});

rl.on('close', () => {
  console.log('\n👋 Session ended.');
  process.exit(0);
});
What's happening:
  • The program prints a session URL that you visit to authorize Razorpay.
  • After authorization, the chat begins.
  • Each message you type is processed by the agent using run().
  • The responses are printed to the console.
  • Typing exit, quit, or q cleanly ends the chat.

Complete Code

Here's the complete code to get you started with Razorpay and OpenAI Agents SDK:

import 'dotenv/config';
import { Composio } from '@composio/core';
import { OpenAIAgentsProvider } from '@composio/openai-agents';
import { Agent, hostedMcpTool, run, OpenAIConversationsSession } from '@openai/agents';
import * as readline from 'readline';

const composioApiKey = process.env.COMPOSIO_API_KEY;
const userId = process.env.USER_ID;

if (!composioApiKey) {
  throw new Error('COMPOSIO_API_KEY is not set. Create a .env file with COMPOSIO_API_KEY=your_key');
}
if (!userId) {
  throw new Error('USER_ID is not set');
}

// Initialize Composio
const composio = new Composio({
  apiKey: composioApiKey,
  provider: new OpenAIAgentsProvider(),
});

async function main() {
  // Create Tool Router session
  const session = await composio.create(userId as string, {
    toolkits: ['razorpay'],
  });
  const mcpUrl = session.mcp.url;

  // Configure agent with MCP tool
  const agent = new Agent({
    name: 'Assistant',
    model: 'gpt-5',
    instructions:
      'You are a helpful assistant that can access Razorpay. Help users perform Razorpay operations through natural language.',
    tools: [
      hostedMcpTool({
        serverLabel: 'tool_router',
        serverUrl: mcpUrl,
        headers: { 'x-api-key': composioApiKey },
        requireApproval: 'never',
      }),
    ],
  });

  // Keep conversation state across turns
  const conversationSession = new OpenAIConversationsSession();

  // Simple CLI
  const rl = readline.createInterface({
    input: process.stdin,
    output: process.stdout,
    prompt: 'You: ',
  });

  console.log('\nComposio Tool Router session created.');
  console.log('\nChat started. Type your requests below.');
  console.log("Commands: 'exit', 'quit', or 'q' to end\n");

  try {
    const first = await run(agent, 'What can you help me with?', { session: conversationSession });
    console.log(`Assistant: ${first.finalOutput}\n`);
  } catch (e) {
    console.error('Error:', e instanceof Error ? e.message : e, '\n');
  }

  rl.prompt();

  rl.on('line', async (userInput) => {
    const text = userInput.trim();

    if (['exit', 'quit', 'q'].includes(text.toLowerCase())) {
      console.log('Goodbye!');
      rl.close();
      process.exit(0);
    }

    if (!text) {
      rl.prompt();
      return;
    }

    try {
      const result = await run(agent, text, { session: conversationSession });
      console.log(`\nAssistant: ${result.finalOutput}\n`);
    } catch (e) {
      console.error('Error:', e instanceof Error ? e.message : e, '\n');
    }

    rl.prompt();
  });

  rl.on('close', () => {
    console.log('\nSession ended.');
    process.exit(0);
  });
}

main().catch((err) => {
  console.error('Fatal error:', err);
  process.exit(1);
});

Conclusion

This was a starter code for integrating Razorpay MCP with OpenAI Agents SDK to build a functional AI agent that can interact with Razorpay.

Key features:

  • Hosted MCP tool integration through Composio's Tool Router
  • SQLite session persistence for conversation history
  • Simple async chat loop for interactive testing
You can extend this by adding more toolkits, implementing custom business logic, or building a web interface around the agent.
TOOLS

Supported Tools

Every Razorpay action and event your agent gets out of the box.

Cancel Invoice

Tool to cancel an existing Razorpay invoice.

Cancel Payment Link

Tool to cancel a specific payment link.

Create an Order

Tool to create a Razorpay order with specified amount and currency.

Create Contact

Tool to create a contact for payouts in RazorpayX.

Create Customer

Tool to create a new customer in Razorpay.

Create an Invoice

Tool to create an invoice for billing customers.

Create Item

Tool to create an item that can be used in Razorpay invoices.

Create Payment Link

Tool to create a payment link for collecting payments via a shareable URL.

Delete Invoice

Tool to delete an invoice in Razorpay.

Delete item

Tool to delete an existing item from Razorpay.

Fetch All Customers

Tool to retrieve a paginated list of all customers from Razorpay.

Fetch All Invoices

Tool to fetch all invoices with pagination and filtering support.

Fetch All Payment Links

Tool to fetch all payment links with pagination and filtering support.

Fetch All Payments

Tool to retrieve all payments from your Razorpay account with pagination and time filtering support.

Fetch all refunds for a payment

Tool to retrieve all refunds for a specific payment using the Razorpay API.

Fetch a Payment Link

Tool to retrieve details of a specific payment link by its ID.

Fetch Invoice by ID

Tool to fetch a specific invoice by its ID from Razorpay.

Fetch All Orders

Tool to retrieve a paginated list of all orders from Razorpay.

Fetch Order by ID

Tool to fetch details of a specific Razorpay order using its order ID.

Fetch payments by order

Tool to fetch all payments made for a particular order.

Fetch All Refunds

Tool to retrieve all refunds created by you using the Razorpay API.

Get Contact

Tool to retrieve details of a specific contact by ID in RazorpayX.

Retrieve Customer

Tool to retrieve details of a specific customer by their ID.

Get Fund Account

Tool to retrieve details of a specific fund account by its ID.

Get Item

Tool to retrieve complete details of a specific Razorpay item by its ID.

Get Settlement Reconciliation Report

Tool to fetch settlement reconciliation report for a specific date or month from Razorpay.

Get Transfer Reversals

Tool to fetch all reversals for a specific transfer using the Razorpay Route API.

Issue an Invoice

Tool to issue a draft Razorpay invoice to send it to the customer.

List Customer Tokens

Tool to retrieve all tokens (saved payment methods) for a customer.

List Disputes

Tool to retrieve a list of all disputes with pagination support.

List Fund Accounts

Tool to retrieve a list of all fund accounts from RazorpayX with pagination support.

List Fund Validations

Tool to fetch all fund account validation transactions from RazorpayX with pagination support.

List Items

Tool to retrieve a list of all items from Razorpay with pagination support.

List Payment Downtimes

Tool to fetch all active payment method downtimes from Razorpay.

Notify Payment Link

Tool to send or resend notification for a payment link via SMS or email.

Send/Resend Invoice Notification

Tool to send or resend an invoice notification via email or SMS.

Update Contact

Tool to update an existing contact's details in RazorpayX.

Update Customer

Tool to update an existing customer's details in Razorpay.

Update Invoice

Tool to update an existing draft invoice in Razorpay.

Update Item

Tool to update an existing item's details in Razorpay.

Update Order

Tool to update an existing order in Razorpay.

Update payment link

Tool to update an existing payment link in Razorpay.

FAQ

Frequently asked questions

With a standalone Razorpay MCP server, the agents and LLMs can only access a fixed set of Razorpay tools tied to that server. However, with the Composio Tool Router, agents can dynamically load tools from Razorpay and many other apps based on the task at hand, all through a single MCP endpoint.

Yes, you can. OpenAI Agents SDK fully supports MCP integration. You get structured tool calling, message history handling, and model orchestration while Tool Router takes care of discovering and serving the right Razorpay tools.

Yes, absolutely. You can configure which Razorpay scopes and actions are allowed when connecting your account to Composio. You can also bring your own OAuth credentials or API configuration so you keep full control over what the agent can do.

All sensitive data such as tokens, keys, and configuration is fully encrypted at rest and in transit. Composio is SOC 2 Type 2 compliant and follows strict security practices so your Razorpay data and credentials are handled as safely as possible.

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