GoCardless MCP server for AI agents and assistants

Securely connect your AI agents and chatbots (Claude, ChatGPT, Cursor, etc) with GoCardless MCP or direct API to create customers, manage mandates, track payments, and reconcile payouts through natural language.

GoCardless MCP logoGoCardless MCP
Dcr Oauth

GoCardless is a bank payment platform for Direct Debit, recurring billing, and account-to-account payments. Use it to collect payments, manage mandates, and reduce failed-card churn.

24 Tools

Try GoCardless MCP now

Type what you want done — sign in and watch it run live in the Tool Router playground.

TOOL ROUTER PLAYGROUND
GoCardless MCP
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TOOLS

Supported Tools

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

Cancel mandate

Cancel a mandate.

Cancel payment

Cancel a payment before it is submitted to the bank.

Create payment

Create a one-off payment against an existing mandate.

Create payment link

Create a Billing Request — a single-use GoCardless-hosted authorisation link for one payer.

Create payment template link

Create a reusable Billing Request Template — a permanent shareable link that creates a new customer session each time it is visited.

Create refund

Refund all or part of a previously-collected payment back to the payer's bank account.

Create subscription

Create a recurring subscription against a mandate.

Get customer

Retrieve a single customer by ID.

Get environment

Returns the current GoCardless environment (sandbox or live) and step-by-step instructions for switching.

Get mandate

Retrieve a single mandate (Direct Debit authorisation) by ID.

Get payment

Retrieve a single payment by ID.

Get payout

Retrieve a single payout (settlement to your bank account) by ID.

Get refund

Retrieve a single refund by ID.

Get subscription

Retrieve a single subscription (recurring payment schedule) by ID.

Integrate with gocardless

Returns an overview of GoCardless integration options for collecting one-off and recurring bank payments.

List customers

List customers, optionally filtered by creation date.

List events

Audit log of state changes across all resources (e.

List mandates

Search or filter mandates (Direct Debit authorisations) by status, customer, or scheme.

List payments

Search, filter, or count payments by status, customer, mandate, subscription, currency, or date range.

List payouts

Search or filter payouts (settlements to your bank account) by status, currency, or date range.

List refunds

Search or filter refunds by payment, mandate, or date range.

List subscriptions

Search or filter subscriptions (recurring payment schedules) by status, customer, or mandate.

Read gocardless resource

Serves GoCardless API documentation, how-to guides, and code samples — not live account data.

Submit feedback

Submit a rating (1–5) of how helpful this MCP session was.

SETUP GUIDE

Connect GoCardless MCP Tool with your Agent

1

Install Composio

typescript
npm install @composio/core ai @ai-sdk/openai @ai-sdk/mcp
Install the Composio SDK for Python or TypeScript
2

Initialize Client and Create Tool Router Session

typescript
import { Composio } from '@composio/core';

const composio = new Composio({ apiKey: 'your-api-key' });
const session = await composio.create('your-user-id');
console.log(`Tool Router session created: ${session.mcp.url}`);
Import and initialize the Composio client, then create a Tool Router session for GoCardless MCP
3

Connect to AI Agent

typescript
import { openai } from '@ai-sdk/openai';
import { experimental_createMCPClient as createMCPClient } from '@ai-sdk/mcp';
import { generateText } from 'ai';

const client = await createMCPClient({
  transport: {
    type: 'http',
    url: session.mcp.url,
    headers: {
      'x-api-key': 'your-composio-api-key',
    },
  },
});

const tools = await client.tools();
const { text } = await generateText({
  model: openai('gpt-4o'),
  tools,
  messages: [{
    role: 'user',
    content: 'List recent failed GoCardless payments and explain why they failed'
  }],
  maxSteps: 5,
});

console.log(`Agent: ${text}`);
Use the MCP server with your AI agent (Anthropic Claude or Mastra)
SETUP GUIDE

Connect GoCardless MCP API Tool with your Agent

1

Install Composio

typescript
npm install @composio/openai
Install the Composio SDK
2

Initialize Composio and Create Tool Router Session

typescript
import OpenAI from 'openai';
import { Composio } from '@composio/core';
import { OpenAIResponsesProvider } from '@composio/openai';

const composio = new Composio({
  provider: new OpenAIResponsesProvider(),
});
const openai = new OpenAI({});
const session = await composio.create('your-user-id');
Import and initialize Composio client, then create a Tool Router session
3

Execute GoCardless MCP Tools via Tool Router with Your Agent

typescript
const tools = session.tools;
const response = await openai.responses.create({
  model: 'gpt-4.1',
  tools: tools,
  input: [{
    role: 'user',
    content: 'List recent GoCardless payments and summarize their statuses'
  }],
});
const result = await composio.provider.handleToolCalls(
  'your-user-id',
  response.output
);
console.log(result);
Get tools from Tool Router session and execute GoCardless MCP actions with your Agent

Why Use Composio?

AI Native GoCardless MCP Integration

  • Supports both GoCardless MCP and direct API based integrations
  • Structured, LLM-friendly schemas for reliable payment, mandate, and customer operations
  • Rich coverage for reading, writing, and querying GoCardless payment data like payouts, refunds, subscriptions, and events

Managed Auth

  • Built-in DCR OAuth handling, so your users can connect GoCardless without hand-rolling auth flows
  • Central place to manage, scope, and revoke GoCardless account access
  • Per user and per environment credentials instead of hard-coded secrets in your agent code

Agent Optimized Design

  • Tools are tuned for clear GoCardless actions, like listing failed payments or checking mandate status
  • Comprehensive execution logs so you always know which payment action ran, when, and on whose behalf

Enterprise Grade Security

  • Fine-grained RBAC so you control which agents and users can access GoCardless data
  • Scoped, least privilege access to sensitive payment and customer resources
  • Full audit trail of agent actions to support finance reviews, security checks, and compliance workflows
FRAMEWORKS

Use GoCardless MCP with any AI Agent Framework

Choose a Framework you want to connect GoCardless MCP with

FAQ

Frequently asked questions

Yes, GoCardless MCP requires you to configure your own DCR OAuth credentials. Once set up, Composio handles secure credential storage and management for you.

Yes! Composio's Tool Router enables agents to use multiple toolkits. Learn more.

Yes. Composio is SOC 2 Type II compliant and is built to keep your GoCardless connection and credentials secure. OAuth tokens and API keys are encrypted, and sensitive customer data is protected at rest and in transit.

Composio also undergoes independent security testing and continuously monitors its systems for security threats. You can review the latest reports and policies in the Composio Trust Center.

Composio maintains and updates all toolkit integrations automatically, so your agents always work with the latest API versions.

When you connect a GoCardless account through Composio, every action runs under that account, so anything the agent creates, sends, or changes shows up in GoCardless as done by you. Keep an approval step in your prompt for actions with side effects, such as sending or deleting, and have the agent draft first.

Whatever the credentials you connect allow inside GoCardless. If GoCardless lets you scope a key to specific permissions, create a scoped one so the agent can only do what you intend. You can revoke the key inside GoCardless at any time.

Yes. Composio supports multiple connected accounts for the same app, and that works in Claude, ChatGPT, or any other assistant you connect through Composio. Give each GoCardless connection a name such as work or personal, and the assistant uses the one you mention in the request. Each account keeps its own credentials and nothing is merged.

Composio's free plan includes 100,000 tool calls per month with no credit card, which covers most personal GoCardless use. Paid plans add higher limits and team features. Your GoCardless plan and its API limits still apply as usual.

Built-in connectors usually give one AI access to a limited set of apps. Many people use Composio because it lets their AI connect to more apps than it normally supports, or connect to multiple accounts for the same app (e.g. connect Claude to multiple GoCardless accounts).

With Composio, you connect GoCardless once and then use it across different AI assistants without setting it up separately in each one. Connect your apps to Composio once, then connect Composio to whichever AI you use, whether that's Claude, ChatGPT, Hermes, or your own custom assistant.

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