How to connect Cashfree with ChatGPT

Connect ChatGPT to Cashfree MCP. Collect pending payment for order 12345, check vendor settlements for this week, and more using natural language, with authentication handled for you.

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Cashfree is a merchant payments platform that handles collection, payouts, subscriptions, settlements, refunds, and identity verification. Simplifies merchant money lifecycle management with unified, API-driven workflows.

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How to connect Cashfree MCP with ChatGPT

ChatGPT can take action across your apps and files, stay with a project for hours, and turn a goal into finished materials like sheets, slides, and docs, not just answers.

In this guide, I will explain the easiest and most secure way to connect your Cashfree account to ChatGPT via Composio Connect, so it can collect payments, track settlements, generate reconciliation reports, process refunds, and simulate test payments through natural language commands without ever putting your account credentials at risk.

Also integrate Cashfree with

Why use Composio over default connectors?

  • Apps with read and write access. Default connectors mostly can read your data. Composio's Cashfree integration lets ChatGPT take actions like creating drafts, sending updates, labeling records, and more.
  • 1,500+ SaaS toolkits out of the box. Composio gives you instant access to a vast catalog of pre-built connectors, from Gmail and Slack to Notion, Linear, and Salesforce.
  • One MCP server for every app. Connect any of your applications on demand through a single endpoint, rather than juggling a separate server for each app.
  • Smart, context-aware tool loading. Unlike traditional MCP servers that dump every available tool into the LLM context window, Composio searches for and loads only the tools relevant to the task at hand.
  • Cross-app automation. Chain actions across multiple apps in a single run - fetch a thread, summarize it in Notion, and post highlights to Slack without leaving the conversation.

Prerequisites

Note: Composio connects through OAuth. You will be asked to sign in and approve specific permissions. Review the permission screen carefully if you are using a work account.

Step-by-step: Connect Cashfree to ChatGPT

1. Install the Composio plugin

Click the button. ChatGPT opens the Composio plugin page. Click Install plugin.

Install in ChatGPT

Composio plugin page in ChatGPT with the Install plugin button

You can also find it inside ChatGPT: go to Settings, open Plugins, search the marketplace for Composio, and click Install plugin.

2. Authenticate

After you install, ChatGPT asks you to authenticate with Composio. Log in and click Allow access to authorize ChatGPT to use your Composio account.

Composio login and Allow access screen for ChatGPT

3. Start using Composio

That is it. Composio tools are now available in ChatGPT. Type @Composio followed by your request, for example @Composio find unread Cashfree messages and summarize them, and it will run the actions you authorize. On first use it asks you to authorize Cashfree.

Option 2: Add Composio as an MCP server

If you cannot use the plugin marketplace, add Composio as a custom MCP server instead.

1. Open the MCP settings

In ChatGPT, go to Settings and open the Plugins section. Inside the Plugins page, click the MCP tab.

ChatGPT settings showing the Plugins page with the MCP tab selected

2. Add the server

Click Add server. In the Name field enter Composio, for Type select Streamable HTTP, and in the URL field paste the Composio MCP server URL:

bash
https://connect.composio.dev/mcp
ChatGPT Add server dialog with the name Composio, type Streamable HTTP, and the Composio MCP URL

Then click Save. The Composio server now appears in your MCP plugins list.

ChatGPT Plugins page showing the Composio MCP server added to the list

3. Authenticate

Click Authenticate on the Composio entry, log in via Composio, and click Allow access. Composio tools are then available in ChatGPT the same way as with the plugin.

What you can do after connecting Cashfree

  • Collect pending payment for order 12345
  • Check vendor settlements for this week
  • List recent settlements for merchant account

Security + privacy notes (important)

  • Use least-privilege access: Only grant permissions you actually need.
  • Review OAuth permissions before approving: Make sure requested scopes match what you expect Composio and ChatGPT to do.
  • Keep write actions human-reviewed: For actions like sending messages, creating labels, or editing drafts, keep manual confirmation enabled.
  • Be careful with sensitive data: Avoid using this setup with highly sensitive information unless allowed by your personal, company, or client policies.
TOOLS

Supported Tools

Every Cashfree action and event your agent gets out of the box.

Cancel payment link

USE WHEN: The user wants to cancel/deactivate an existing payment link so no further payments can be made.

Create order

USE WHEN: The user wants to create a payment order to accept a payment.

Create payment link

USE WHEN: The user wants to create a shareable payment link to collect money from customers.

Create refund

USE WHEN: The user wants to initiate a refund for a payment.

Download report

USE WHEN: A report has reached DONE status and the user wants the download URL.

Fetch payment link details

USE WHEN: The user wants to check the status or details of an existing payment link.

Fetch simulation

USE WHEN: The user wants to check the result of a simulated payment.

Generate recon report

USE WHEN: The user wants to generate a settlement reconciliation report.

Generate summary report

USE WHEN: The user wants to generate a transaction summary, settlement, refund, or ledger report.

Get instant settlement rates

USE WHEN: The user asks about the charge rate for instant/on-demand settlements.

Get merchant free trial credits

USE WHEN: The user asks about free trial credits for on-demand settlements.

Get next settlement date

USE WHEN: The user asks when the next settlement will happen or about settlement schedule.

Get on demand charges

USE WHEN: The user wants to preview charges/fees for an on-demand settlement withdrawal.

Get on demand daily limit

USE WHEN: The user asks about on-demand settlement withdrawal limits.

Get on demand eligible funds

USE WHEN: The user wants to know how much money can be withdrawn via on-demand settlement.

Get on demand settlement activation status

USE WHEN: The user asks if on-demand/instant settlements are available or activated.

Get order

USE WHEN: The user wants to check the status of an order or retrieve its payment session details.

Get order extended

USE WHEN: The user needs extended order information including address, cart items, offers, and customer details.

Get orders for a payment link

USE WHEN: The user wants to see all orders created against a specific payment link.

Get payment by

USE WHEN: The user wants to view details of a specific payment attempt on an order.

Get payment modes

USE WHEN: The user wants to filter transactions by payment method but you need the numeric code.

Get payments for an order

USE WHEN: The user wants to see all payment attempts made against a specific order.

Get refund

USE WHEN: The user wants to check the status of a specific refund.

Get report status

USE WHEN: You need to check if a report is ready for download.

Get settlement recon routes

USE WHEN: The user wants to generate a Flowwise Recon report and you need the gateway route names.

Get standard settlement details

USE WHEN: The user wants to track where settlement money is in the banking pipeline.

Get tool guide

USE WHEN: You are about to perform a multi-step task and need to know which tools to call and in what order.

Get transaction details

USE WHEN: The user wants to see the full details of a specific transaction including timeline, settlement, and gateway response.

Get unsettled amount

USE WHEN: The user asks about unsettled balance, money held by Cashfree, or pending settlements.

Get vendor settlement details

USE WHEN: The user wants to track where vendor settlement money is in the banking pipeline.

List reports

USE WHEN: The user wants to see previously generated reports or check if a report exists.

Search on demand settlements

USE WHEN: The user wants to search past on-demand/instant withdrawal settlements.

Search orders

Search for orders with filters OR fetch a specific order by ID

Search product docs

USE WHEN: The user asks about Cashfree Developer Documentation product features, API usage, integration guides, or how something works.

Search standard settlements

USE WHEN: The user wants to search settlement history, check settlement status, or find a specific settlement by UTR.

Search transactions

USE WHEN: The user wants to find, search, filter, or list payment transactions.

Search vendor settlements

USE WHEN: The user wants to search vendor split (Easy Split) settlement payouts.

Simulate payment

USE WHEN: The user wants to test/simulate a payment in sandbox mode.

FAQ

Frequently asked questions

With a standalone Cashfree MCP server, the agents and LLMs can only access a fixed set of Cashfree tools tied to that server. However, with the Composio Tool Router, agents can dynamically load tools from Cashfree and many other apps based on the task at hand, all through a single MCP endpoint.

Yes, you can. ChatGPT fully supports MCP integration. You get structured tool calling, message history handling, and model orchestration while Tool Router takes care of discovering and serving the right Cashfree tools.

Yes, absolutely. You can configure which Cashfree scopes and actions are allowed when connecting your account to Composio. You can also bring your own OAuth credentials or API configuration so you keep full control over what the agent can do.

All sensitive data such as tokens, keys, and configuration is fully encrypted at rest and in transit. Composio is SOC 2 Type 2 compliant and follows strict security practices so your Cashfree data and credentials are handled as safely as possible.

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