Payments

Phantom is charged-first merchant of record: the eater pays (or a hold is placed) before submit, and the restaurant is paid out on acceptance. See the payment branches in Agent Onboarding for how to pick a flow.

start_payment

Start a customer payment before the final submit. The branch is chosen from what is supplied:

Supplied	Branch
`customer_id` + `payment_method_id`	`saved_method` — charge a saved card
`payment_token`	`shared_token` — confirm a Stripe-shareable token
neither	`hosted_redirect` — Stripe Checkout, saves the card for next time

Input:

{
  "restaurant_id": "rest_lb_steakhouse",
  "order": {},
  "success_url": "https://yourapp.example/order/success?orderId=abc123",
  "cancel_url": "https://yourapp.example/checkout?cartId=cart_123",
  "customer_id": "cus_123",
  "payment_method_id": "pm_123",
  "payment_token": null
}

Output:

{
  "ok": true,
  "status": "redirect_required | paid | authorized | requires_action | canceled | pending_external_confirmation | failed",
  "redirectUrl": "https://payments.example/session/abc123",
  "clientSecret": null,
  "branch": "hosted_redirect",
  "paymentReference": "pay_123",
  "totalCents": 6187,
  "currency": "USD",
  "message": "Hosted payment session created.",
  "raw": {}
}

charge_saved_card

Charge the eater’s saved card (vaulted on the shared MealOps Stripe account) for the order’s quote total before submitting. Phantom is charged-first merchant of record. Input: { "restaurant_id": "…", "order": {}, "customer_id": "cus_123", "payment_method_id": "pm_123" } Output:

{
  "ok": true,
  "status": "authorized | paid | requires_action | redirect_required | failed",
  "clientSecret": null,
  "paymentIntentId": "pi_123",
  "declineCode": null,
  "amountCents": 6187,
  "currency": "usd"
}

charge_payment

Charge the saved card for an already-submitted order, then pay out the restaurant. Input: { "order_id": "order_123", "customer_id": "cus_123", "payment_method_id": "pm_123" } Output:

{
  "ok": true,
  "status": "pending | processing | paid | failed | refunded | partially_refunded",
  "paymentIntentId": "pi_123",
  "amountCents": 6187,
  "currency": "usd",
  "payoutTriggered": true
}

create_payout

Reconcile fallback: link an order’s pre-submit charge and settle it (capture + restaurant payout). This normally runs automatically when the restaurant accepts the order. While the order is still pre-acceptance the call defers (deferred: true) without capturing. Input: { "order_id": "order_123" } Output: { "ok": true, "payoutTriggered": false, "paymentStatus": "authorized", "deferred": true }

void_payment

Release a held authorization (e.g. the order failed to submit). No funds are charged. Input: { "restaurant_id": "…", "order": {} } Output: { "ok": true, "status": "canceled", "paymentIntentId": "pi_123" }

get_payment_status

Reconciliation: the current stored payment status for an order’s external reference. Input: { "external_reference": "yourapp-order-1001" } Output:

{ "found": true, "status": "authorized", "paymentIntentId": "pi_123", "amountCents": 6187, "declineCode": null }

Ownership: a payment is the agent’s when its linked order is theirs, or — pre-submit, when no order exists yet — when the payment carries their agent stamp in metadata.

Getting started

Guides

MCP tool reference

start_payment

charge_saved_card

charge_payment

create_payout

void_payment

get_payment_status

​start_payment

​charge_saved_card

​charge_payment

​create_payout

​void_payment

​get_payment_status

start_payment

charge_saved_card

charge_payment

create_payout

void_payment

get_payment_status