railrouter-lite
MCP server providing the `route_payment` tool to direct payment transactions to optimal processors or rails based on criteria like cost, speed, or geography. Fintech developers and payment platform engineers integrate it to handle routing programmatically in applications such as e-commerce checkouts or payout systems.
Overview
The railrouter-lite MCP server exposes a single tool, route_payment, for routing payment transactions across available processors or payment rails. It accepts transaction details including amount, currency, payer information, and routing preferences, then selects and executes the optimal path.
Key Capabilities
- route_payment: Routes a payment by evaluating factors like processor fees, processing speed, success rates, and regional availability. Inputs include payment amount, currency, payer/receiver details, and optional preferences (e.g., prioritize speed). Outputs confirmation, selected route details, and transaction ID.
Use Cases
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E-commerce Checkout: During checkout, call route_payment with cart total and buyer location to select the lowest-fee processor, reducing costs for high-volume merchants.
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Cross-Border Payouts: For international remittances, use route_payment to route via rails like ACH or SEPA based on currency pair and speed requirements.
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Subscription Billing: Integrate route_payment in recurring billing to failover to alternative processors if the primary fails, ensuring reliability.
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Marketplace Settlements: Platforms like gig economy apps invoke route_payment to split and route payouts to multiple recipients via cost-optimized paths.
Who This Is For
Fintech developers building payment gateways, e-commerce platforms, or marketplace apps. Payment operations teams automating routing logic. Engineers needing API access to dynamic payment direction without managing multiple processor SDKs.