Razorpay MCP Server is a Model Context Protocol server that enables seamless integration with Razorpay APIs to power advanced payment processing for developers and AI-powered tools. It offers two deployment modes: Remote MCP Server (hosted by Razorpay) for instant access with zero setup, and Local MCP Server for on-premises use. The Remote server provides benefits such as zero setup, automatic updates, high availability, reduced latency, enhanced security via token-based authentication with automatic token rotation, and maintenance-free operation. The Local server can be run via a public Docker image or by building from Docker or from source, giving full tool access (including tools restricted on the remote server). The server exposes a comprehensive suite of tools covering payments, payment links, orders, refunds, QR codes, settlements, payouts, and tokens, enabling workflows across the Razorpay ecosystem. Configuration relies on environment variables (RAZORPAY_KEY_ID, RAZORPAY_KEY_SECRET) and optional LOG_FILE, TOOLSETS, and READ_ONLY. CLI flags support --key, --secret, --log-file, --toolsets, and --read-only. Authentication for remote access uses merchant tokens generated from the API credentials.