GoCardless MCP Server – Bank Payment Integrations
GoCardless's official MCP server gives AI assistants structured GoCardless API knowledge and OAuth-secured, read-only access to selected live account data. Use it to build bank payment integrations, generate implementation guidance, troubleshoot payments and webhooks, and query payments, customers, mandates, subscriptions, payouts, refunds, and events.
Overview
GoCardless provides an official MCP server that lets AI assistants work with GoCardless integration knowledge and, after authentication, query live GoCardless account data in a read-only way. It is designed for developers and merchants who want their LLM or coding agent to understand GoCardless APIs, integration patterns, payment workflows, webhooks, and account status without manually searching documentation.
What the MCP server enables
The GoCardless MCP provides two documented capability areas.
- Integration guidance: the agent can query structured GoCardless API knowledge, endpoint details, integration patterns, webhook handling guidance, security considerations, and code samples across supported languages.
- Account data queries: after OAuth sign-in, the agent can perform read-only lookups against the authenticated GoCardless account, including payments, customers, mandates, subscriptions, payouts, refunds, and events.
GoCardless documents example workflows such as generating code for billing requests, implementing hosted or custom payment pages, understanding API parameters, configuring redirects, handling different payment types, debugging billing request flows, and understanding webhook events.
When to use it
Use GoCardless MCP when building or troubleshooting GoCardless payment integrations. Practical examples include asking how to collect recurring membership payments, generating Python code for a monthly billing request, implementing GoCardless hosted payment pages, debugging a failed billing request flow, or checking why a payment failed.
It is also useful for merchant operations where a user wants to ask natural-language questions such as how many confirmed payments occurred this month, how much was received in payouts last week, or which subscriptions are active for a customer.
Connection and authentication
The official hosted MCP endpoint is:
https://mcp.gocardless.com
GoCardless documents connecting this endpoint from MCP-capable clients such as ChatGPT custom connectors and Claude Code. For Claude Code, the documented command is:
claude mcp add --transport http GoCardless https://mcp.gocardless.com
GoCardless also provides MCP support through the GoCardless CLI. The CLI reference documents gocardless mcp run, gocardless mcp add, and related commands for configuring supported clients.
Authentication for live account queries uses OAuth. Users choose and sign in to the relevant environment, such as Sandbox or Live, during the sign-in journey. Switching environments generally requires disconnecting and reconnecting the MCP.
Key considerations
Account-data access is strictly read-only: the MCP cannot create, cancel, or modify GoCardless resources. GoCardless documents that sensitive customer data such as email addresses, phone numbers, and bank details is automatically masked in MCP responses. Do not share GoCardless API keys with an LLM. Use Sandbox credentials during development, review generated code before executing it, and implement proper error handling and validation. GoCardless terms also note that MCP services can change, be suspended, or require reconfiguration, and users must authenticate via OAuth to connect with the MCP.
Supported Transports
streamable_http
URL: https://mcp.gocardless.com
stdio
Command: gocardless
Args:
mcprun
Frequently Asked Questions
- When should an AI agent use the GoCardless MCP server?
- Use it when building or troubleshooting GoCardless integrations, such as collecting recurring payments, creating billing request flows, implementing hosted or custom payment pages, handling webhooks, debugging failed payments, or reviewing recent account activity.
- What does the GoCardless MCP server add to an AI agent's capabilities?
- It gives the agent structured GoCardless API knowledge for integration guidance and, after OAuth authentication, read-only access to selected live account data such as payments, customers, mandates, subscriptions, payouts, refunds, and events.
- What can an AI agent access or manage through GoCardless MCP?
- The agent can access integration guidance, endpoint details, integration patterns, webhook guidance, code samples, and read-only account lookups. GoCardless documents that account queries are strictly read-only and cannot create, cancel, or modify resources.
- How is authentication configured for the GoCardless MCP server?
- GoCardless MCP uses OAuth. When connecting the hosted endpoint or using the CLI-based setup, the user signs in through a GoCardless journey and chooses the relevant environment, such as Sandbox or Live.
- Which transport should be used for the GoCardless MCP server?
- Use the hosted HTTP MCP endpoint https://mcp.gocardless.com for direct remote setup in supported clients. Use the GoCardless CLI command gocardless mcp run when a local stdio process is required by the client.