# GoCardless MCP for AI Agents AI Agent Connect > GoCardless MCP lets you manage recurring bank payments and direct debit mandates through your AI agent. It handles everything from listing payers and checking payment statuses to triggering one-off collections and monitoring subscription health. It's built to give you full control over your billing operations without having to jump between tabs or manually track failed payments. ## Overview - **Category:** money-moves - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_dswxEi19Iyr6kuoNDdTVZzkc9hmgPkEUrJgcx9WG/ai-agent-connect - **Tags:** direct-debit, recurring-payments, bank-transfers, payment-automation, mandate-management, fintech ## Description Managing recurring payments usually involves a mess of tabs. You're constantly switching between your customer CRM, your billing software, and the GoCardless dashboard just to see if a payment actually cleared or if a mandate expired. This Connector changes that by letting your AI agent handle the heavy lifting of your GoCardless account. You can ask your agent to pull up a customer's payment history, check the status of a pending mandate, or trigger a specific collection right from your chat interface. It's about moving from manual data entry to conversational oversight. When you connect this through Vinkius, your agent becomes a functional part of your finance stack, allowing you to reconcile payouts and manage subscription health in real-time. Instead of digging through CSV files or clicking through dozens of rows to find a single error, you just tell your agent what you need to know and let it do the digging. This means you can spend less time auditing logs and more time actually running your business. You get a direct line to your payment data, making it possible to handle complex billing tasks without the usual headache of navigating complex dashboards or manual data exports. It turns your billing workflow into a conversation rather than a series of clicks. ## Tools ### collect_payment Trigger a new bank debit collection. Use this to initiate a specific charge against an existing mandate. ### get_customer_details Get payer information. This pulls contact data and history for a specific customer. ### get_mandate_details Get authorization info. Use this to check the specific permissions for a customer's payment mandate. ### get_payment_status Check transaction state. This tells you if a payment is confirmed, failed, or still pending. ### list_account_creditors List payout recipients. Use this to see who is receiving funds from your account. ### list_customers List bank payers. This retrieves a list of all customers currently in your GoCardless account. ### list_system_events Get activity log. Use this to see recent system events and audit account activity. ### list_active_mandates List payment authorizations. This shows you all currently active mandates for your customers. ### list_payment_history List all transactions. Use this to see every past and current transaction in your history. ### list_recurring_payments List all subscriptions. This pulls a list of every active recurring payment plan. ### stop_pending_payment Cancel payment. Use this to halt a payment that hasn't been processed yet. ### create_new_customer Add payer to account. This creates a new customer profile within your GoCardless system. ## Prompt Examples **Prompt:** ``` List my last 5 GoCardless customers with their email addresses. ``` **Response:** ``` I've retrieved your latest customers. Notable entries include 'John Smith' (john@example.com) and 'Sarah Jane' (sarah@example.com). Would you like to check the active mandates for any of them? ``` **Prompt:** ``` Collect 25.00 EUR from mandate 'MD_123' for 'Monthly Fee'. ``` **Response:** ``` Payment triggered! I've initiated a collection of 25.00 EUR from mandate MD_123. The transaction ID is 'PM_987'. I'll monitor the status and let you know when it's confirmed. ``` **Prompt:** ``` Check the status of payment ID 'PM_987'. ``` **Response:** ``` Checking status... Payment PM_987 is currently 'Pending Submission'. It's scheduled to be sent to the banks tomorrow. Would you like me to alert you if the status changes to 'Confirmed'? ``` ## Capabilities ### Trigger new payments Initiate a one-off bank debit collection instantly. ### Fetch payer info Get contact details and history for any bank payer. ### Verify authorizations Retrieve specific mandate details to ensure you're cleared to collect. ### Monitor transaction states Check if a payment is confirmed, failed, or still pending in real-time. ### List payout recipients See all creditor details for your account. ### Manage subscriptions View all active recurring payments across your account. ### Cancel pending actions Stop a payment before it hits the bank. ### Add new payers Create new customer records directly through the agent. ## Use Cases ### Investigating overcharges A customer claims they were overcharged. Ask your agent to pull the history for that specific customer using `list_payment_history` to verify the exact amounts collected and identify any discrepancies. ### Stopping duplicate charges You need to stop a duplicate charge. Identify the pending transaction and use `stop_pending_payment` to cancel it before the bank processes the debit, preventing a double collection from the customer's account. ### Scaling new signups High volume of new signups. Instead of manual entry, have your agent use `create_new_customer` to add payers to the GoCardless system as they join, ensuring your billing records stay perfectly in sync with your CRM. ### Proactive mandate checks Checking mandate health. Use `list_active_mandates` to see which customers have active authorizations and which ones need a new mandate, helping you proactively reach out to customers before their access expires. ## Benefits - Stop manual status checks by using `get_payment_status` to see if funds cleared without leaving your workspace. This saves you from constantly refreshing your browser and clicking through multiple pages to find a single transaction update. - Handle failed payments faster by using `list_recurring_payments` to identify which subscriptions need attention. You can quickly see which customers are hitting errors and address them before they churn. - Speed up onboarding by using `create_new_customer` to add payers to your account instantly. It removes the need to copy and paste data from your CRM into a separate billing portal, making your signup process much faster. - Improve audit trails by pulling the activity log with `list_system_events` whenever you need to verify a change. This gives you a clear, chronological record of every action taken on your account for better internal oversight. - Gain better oversight of your cash flow by using `list_account_creditors` to see exactly where your payouts are going. It helps you reconcile your books by providing a clear list of all your current payout recipients. ## How It Works The bottom line is you get a conversational interface for your entire GoCardless billing workflow. 1. Subscribe to the GoCardless MCP on Vinkius. 2. Grab your Access Token from the GoCardless developer portal. 3. Input your token and choose your environment in the config. ## Frequently Asked Questions **Can I use the GoCardless MCP to manage my recurring subscriptions?** Yes. You can use it to view all active recurring payments and check their status without manually browsing your billing dashboard. **How does the GoCardless MCP help with failed payments?** It lets your agent quickly identify which subscriptions have failed and gives you the data needed to troubleshoot the specific mandate or payer. **Can I add new customers to GoCardless using this Connector?** Yes, you can use it to create new customer records and add payers to your account directly through your AI agent. **Does the GoCardless MCP work for one-off bank payments?** It does. You can trigger one-off bank debit collections for specific mandates using natural language commands. **Can I use the GoCardless MCP to check my payout history?** Yes, it allows you to list all transaction histories and see payout creditor details to keep your records accurate. **Is the GoCardless MCP good for auditing my billing activity?** It's great for audits because it can pull the full activity log of system events so you can see exactly what happened and when. **How do I find my Access Token?** Log in to your GoCardless dashboard, navigate to **Developers** > **Create** > **Access Token**, and generate a token with the required permissions. **Can I collect a payment in a different currency?** Yes! The `collect_payment` tool accepts a `currency` parameter (e.g., GBP, EUR, USD). Ensure the customer's mandate supports the requested currency. **What happens if I try to cancel a payment that was already submitted?** If a payment has already been submitted to the banking system, the `stop_pending_payment` tool will return an error as the transaction can no longer be halted.