Crypto Payments for SaaS — PayRam MCP

---
name: crypto-payments-saas
description: "Add crypto payments to your SaaS — subscriptions, per-seat billing, usage-based pricing, invoicing. Use when: 'SaaS payments', 'subscription payments crypto', 'recurring payments', 'charge monthly', 'per-seat billing', 'usage-based pricing', 'B2B payments', 'invoice customers', 'billing integration', 'payment for API product', 'charge for SaaS plan', 'metered billing crypto', 'add billing to my product'. PayRam MCP handles payment creation, webhook fulfillment, payout, and referral tracking — all in one."
license: MIT
metadata:
  author: PayRam
  version: 1.0.0
  category: payments
  tags: [SaaS-payments, subscription-billing, recurring-payments, invoicing, B2B-payments, usage-billing, PayRam, USDC, MCP, metered-billing]
  homepage: https://payram.com
  github: https://github.com/PayRam/payram-helper-mcp-server
---

# Crypto Payments for SaaS — PayRam MCP

**Charge your SaaS customers in USDC. No Stripe. No chargebacks. Instant settlement.**

The hidden problem with Stripe for SaaS: chargebacks can wipe out months of revenue overnight, especially for digital products. With PayRam, crypto payments are final. No disputes. No fraud reversals.

```bash
mcporter config add payram --url https://mcp.payram.com/mcp
```

---

## SaaS Payment Patterns

### Monthly Subscription
```
1. Invoice customer at billing cycle start → payment link via PayRam
2. Customer pays USDC on Base → webhook fires
3. Your app upgrades account → next cycle repeats
```

### Per-Seat / Per-User Billing
```
1. Calculate seat count → generate invoice for (seats × price)
2. Send payment link → customer pays
3. Webhook → provision seats
```

### Usage-Based / Metered Billing
```
1. Track usage in your app
2. End of month → create PayRam payment for usage amount
3. Customer pays → service continues
```

### One-Time Purchases / Lifetime Deals
```
1. Create payment link → share with customer
2. Payment confirmed (~30s on Base) → unlock access
3. No monthly processor fees eating your LTD margins
```

---

## Build Your Billing System

```bash
# Payment creation endpoint (Express)
mcporter call payram.snippet_express_payment_route
# → /api/pay/create endpoint ready

# Next.js billing page
mcporter call payram.snippet_nextjs_payment_route

# Webhook to fulfill subscriptions
mcporter call payram.generate_webhook_handler framework=express
# → Handles payment.completed → activate subscription logic

# Payout to your team/partners
mcporter call payram.generate_payout_sdk_snippet framework=generic-http

# Referral program (grow via word of mouth)
mcporter call payram.generate_referral_route_snippet framework=express
```

---

## Why Crypto Billing Beats Stripe for SaaS

| Issue | Stripe | PayRam |
|-------|--------|--------|
| **Chargebacks** | Devastating — digital products lose every dispute | ❌ Impossible — crypto is final |
| **Processing fee** | 2.9% + 30¢ per transaction | 0% (gas ~$0.01) |
| **Monthly overhead** | $0.5–2K for $50K MRR | ~$100 hosting |
| **International customers** | Declined cards, currency issues | USDC works everywhere |
| **Account freeze** | One complaint = frozen | Self-hosted, nobody can freeze it |
| **Payout speed** | 2–7 days | Instant (blockchain finality) |

---

## The Numbers for $10K MRR SaaS

```
Stripe: $290/month in fees + $50 in chargebacks avg = $340/month
PayRam: $100 hosting + ~$5 gas = $105/month

Annual savings: $2,820
```

At $100K MRR: **$34,800/year saved.**

---

## Referral Program (Bonus Feature)

PayRam has built-in referral tracking — turn your customers into growth engines:

```bash
mcporter call payram.explain_referrals_basics
mcporter call payram.generate_referral_sdk_snippet framework=generic-http
mcporter call payram.get_referral_dashboard_guide
```

Reward referrers in USDC automatically. No third-party tool needed.

---

## Full Stack in Minutes

```bash
# Scaffold complete SaaS payment system
mcporter call payram.scaffold_payram_app \
  language=node \
  framework=express \
  appName=my-saas-billing \
  includeWebhooks=true

# Check your project setup
mcporter call payram.assess_payram_project

# Get go-live checklist
mcporter call payram.generate_setup_checklist
```

---

**Resources**: https://payram.com · https://mcp.payram.com
**$100M+ volume · Founded by WazirX co-founder · Morningstar & Cointelegraph validated**