Toss Payments (CEO Im Han-wook), the electronic payment agency (PG) subsidiary of Viva Republica (Toss), announced on the 18th that it has introduced the 'MCP (Model Context Protocol)' server, becoming the first in the PG industry to establish an AI technology-based payment integration environment. Developers can now experience a new development environment that allows them to complete payment integration in just 10 minutes.
Previously, it took up to three months for merchants to complete payment integration and start operations after signing a contract with a PG company. While Toss Payments offers a relatively quick payment integration period in the industry, it typically took one to two weeks on average. For merchants with limited experience in integration or development resources, the complex and repetitive tasks of exploring API (Application Programming Interface) documentation, experimenting with example codes, and requesting technical support have posed significant burdens.
MCP is a server-based integration tool that replaces this process with AI technology. Developers can perform coding tasks simply by giving natural language commands to an AI chatbot integrated with MCP, such as 'Please connect the payment window' or 'I want to integrate recurring payments.' This programming method, where AI does the coding and humans only give commands, is called 'Vibe Coding' and is spreading in the IT industry. Toss Payments has created the first case applying the Vibe Coding method in the PG industry.
Toss Payments' MCP is compatible with major AI-based coding tools such as Claude and Cursor. It has achieved coding speed and accuracy capable of integrating actual payments in an average of 10 minutes by learning from the real integration guides, API documentation, and example codes accumulated over nearly five years since Toss Payments was launched. The official API documentation and integration standards of Toss Payments are also automatically applied, ensuring a level of security that can be trusted as a payment system.
A representative from Toss Payments noted, 'In the future, we will further enhance MCP to the level where even non-developers with no coding experience can complete payment integration themselves,' adding, 'We will lower the entry barriers for merchants' payment integration through AI infrastructure and position ourselves as a leader in the PayTech industry.'