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How to connect GoCardless MCP to Claude

Connect Claude Web, Desktop and Cowork to GoCardless MCP. List recent failed gocardless payments, create a new customer mandate, and more using natural language, with authentication handled for you.

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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

Introduction

Claude is Anthropic's AI assistant, available on the web, in the desktop app, and on mobile. Cowork is its agent for knowledge work, and it runs on all of those surfaces too. Connected to your apps, Claude can work with your files and services to accomplish complex tasks on your behalf.

This guide walks you through the easiest and most secure way to connect your GoCardless account to Claude via Composio Connect, enabling it to list recent failed GoCardless payments, create a new customer mandate, check yesterday's payout reconciliation status, and more such actions on your behalf without compromising your account security.

Setup is the same on Claude Web, Desktop, and Cowork, and you only need to do it once. The connector is tied to your account, so it's available in all three.

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Connecting GoCardless to Claude Web, Desktop, and Cowork

Two ways to add the Composio connector. Pick whichever you prefer.

1. Add with one click

Click the button. Claude opens with the Composio connector filled in. Click Add, then go to step 2.

Add to Claude

Add manually

In Claude Desktop, click Customize in the left sidebar, then select Connectors and click the + icon at the top.

Claude Desktop connectors screen with Add custom connector selected

Click Add custom connector and paste in the Composio MCP server URL:

bash
https://connect.composio.dev/mcp
Add custom connector dialog with Composio MCP server URL

2. Authorize in your browser

Click Connect. You'll be redirected to a browser window where you can authorize Composio to continue.

Composio authorization screen for Claude Web, Desktop, and Cowork

3. Connect your GoCardless account

Back in Claude, ask it to connect to GoCardless or give it any GoCardless-related task.

For example, ask Claude to:

  • "List recent failed GoCardless payments"
  • "Create a new customer mandate"
  • "Check yesterday's payout reconciliation status"

It will prompt you to authenticate and authorize access.

That's it. Composio's tools are now available in Claude, and your GoCardless account is ready to use.

What is the GoCardless Claude Connector, and what's possible with it?

The GoCardless MCP server is an implementation of the Model Context Protocol that connects your AI agent and assistants like Claude, Cursor, etc directly to your GoCardless account. It provides structured and secure access so your agent can perform GoCardless operations on your behalf.

Troubleshooting

1. Why does Claude not use the Composio connector for GoCardless?

The connector can show as connected, but Claude must use it in each GoCardless conversation.

  • Click + at the lower left of the chat, or type /.
  • Hover Connectors.
  • Turn on Composio.
  • Ask Claude to connect to GoCardless again.

2. Why does Claude show an MCP server error before GoCardless connects?

Claude can show Couldn't reach the MCP server or Authorization with the MCP server failed when you add the connector for GoCardless.

  • Check that the connector URL is https://connect.composio.dev/mcp.
  • Connectors run from Anthropic's cloud, so your device network is usually not the problem.
  • Add the connector again from Customize > Connectors, then ask Claude to connect GoCardless.
  • If it fails again, send the error and the ofid_ reference id to support@composio.dev.

3. Why does the GoCardless authorization link not work?

The Composio connector is one server. Your GoCardless account connects separately when Claude asks for it.

  • If the browser does not open, or the link expires, ask Claude to retry the GoCardless connection.
  • Composio creates a fresh GoCardless authorization link.
  • Open that link in your browser and finish the GoCardless sign-in.

4. Why do GoCardless actions fail after they worked before?

The GoCardless connection can expire or lose permission.

  • Ask Claude to inspect the GoCardless connection.
  • If the connection is unhealthy, disconnect it when Claude prompts you.
  • Reconnect the GoCardless account and retry the action.
  • If Claude shows a permission prompt, approve it before Claude changes data in GoCardless.
  • If the action still fails with a permission error, check that the connected account has that permission in GoCardless itself.

5. How do I switch to a different GoCardless account?

Claude can manage the GoCardless connection for you.

  • Ask Claude to disconnect or delete the current GoCardless account.
  • Ask Claude to connect GoCardless again.
  • Open the new Composio authorization link for GoCardless.
  • Sign in with the other GoCardless account in the browser.
  • After the account connects, ask Claude to retry the GoCardless task.

6. Why is my GoCardless connection missing in Claude Desktop or on a Team plan?

The connector belongs to your Claude account, so your GoCardless connection works in Claude Web, Desktop, and Cowork.

  • In Claude Desktop, open Customize > Connectors.
  • Next to Composio, click ⋮ and click Clear cache.
  • If GoCardless tools still do not appear, click ⋮, disconnect, remove the connector, and add it again.
  • On Team or Enterprise, an Owner or Primary Owner must enable the connector before you can connect GoCardless.
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.

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

FRAMEWORKS

How to build GoCardless MCP Agent with another framework

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FAQ

Frequently asked questions

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

Yes, you can. Claude Cowork 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 GoCardless tools.

Yes, absolutely. You can configure which GoCardless 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 GoCardless data and credentials are handled as safely as possible.

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