PayPal still takes a real share of checkout for a lot of brands. The payment, the fee, and the payout have to land on the same order as Shopify or Amazon.
PayPal holds the payment, the fee, the refund, and the payout to the bank.
Payments, fees, and payouts come into the record beside the channel order.
A refund can go back when that write is in scope. Taking the original payment stays the checkout the brand already runs.
Who holds the PayPal login, which checkouts offer PayPal, and whether the payout is part of the monthly close.
An API is the door the system opens for orders, stock, and the ledger. An MCP server is a tool surface the AI can call, with the same guardrails. The call names who holds the login, which objects are read, and which writes wait for a person.
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