# GoCardless MCP for AI Agents AI Agent Connect > GoCardless MCP for AI agents. Manage direct debit payments, track mandates, and oversee customers via your AI client. ## Overview - **Category:** money-moves - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_GrfGxtbtRmwEWVwfKTgdnegX4TYVLUMUkehwNfJF/ai-agent-connect - **Tags:** direct-debit, recurring-payments, bank-transfers, payment-automation, mandate-management, fintech ## Description Connect your merchant account to your AI client so you can manage your entire direct debit pipeline through a simple chat interface. Instead of jumping between tabs to see which customers have active mandates or which payments failed last night, you can just ask your agent to pull that data for you. This setup lets you pull customer records, check if a mandate is still valid, and initiate new collections without ever opening the merchant portal. It is a way to keep your billing operations moving while your agent handles the heavy lifting of data retrieval. You can find this among the other specialized tools in the Vinkius catalog to keep your workflow unified. It turns a manual research task into a quick conversation, letting you focus on high-level strategy instead of hunting through spreadsheets or dashboard filters. You get to see your bank-to-bank payment data in real time, making it easy to spot issues before they become problems. When a customer asks about their payment status or a billing lead needs a payout summary, you don't have to go hunting for the right page. Your agent just pulls the facts and gives them to you. It removes the friction of navigating complex financial dashboards, giving you a direct line to your payment data through a natural conversation. ## Tools ### stop_pending_payment Cancel payment ### create_new_customer Add payer to account ### collect_payment Trigger new payment ### get_customer_details Get specific metadata for your customers. Use this to quickly check account details during a support call. ### get_mandate_details Get authorization info ### get_payment_status Check transaction state ### list_account_creditors List payout recipients ### list_customers List bank payers ### list_system_events Get activity log ### list_active_mandates List payment authorizations ### list_payment_history List all transactions ### list_recurring_payments List all subscriptions ## Prompt Examples **Prompt:** ``` List all my payments that are currently 'pending_submission'. ``` **Response:** ``` Retrieving payments... I found 5 payments pending submission, including a $50.00 collection for customer 'Acme Corp'. Would you like the full list? ``` **Prompt:** ``` Check the status of mandate 'MD12345'. ``` **Response:** ``` Fetching mandate... Mandate MD12345 is 'Active'. It was authorized by John Doe on October 1st and is valid for both one-off and recurring payments. ``` **Prompt:** ``` Show me the last 3 payouts sent to my bank account. ``` **Response:** ``` Retrieving payouts... I found 3 recent payouts: $1,250.00 (Oct 5th), $850.00 (Oct 2nd), and $2,100.00 (Sept 28th). All have been 'Paid' successfully. ``` ## Capabilities ### Check mandate status Verify if a customer has given you the legal authorization to collect payments. ### List all customers Pull a complete list of customers registered in your GoCardless account. ### Initiate new payments Trigger a new direct debit collection against an active mandate. ### Track bank payouts See a list of all funds sent from the platform to your bank account. ### View recurring plans Get a summary of all active and inactive recurring payment plans. ### Monitor refunds Track processed refunds and reversed payments for your audit trail. ## Use Cases ### Identifying failed collections A billing clerk needs to see why a specific customer's payment failed. They ask the agent to list all payments and find the error code. ### Verifying mandate authorization An account manager needs to check if a new customer's mandate is active. They use the agent to verify the status before starting a collection. ### Reconciling merchant payouts A finance lead wants to see the last 5 payouts to the company bank account. They ask the agent to show the most recent merchant payouts. ### Checking subscription status A customer success rep needs to verify a customer's subscription status. They ask the agent to pull the recurring plans for a specific account. ## Benefits - Get instant visibility into active mandates using `list_payment_mandates` to ensure you have the legal right to collect funds. - Pull customer bank data quickly with `get_customer_details` to verify account information without manual lookups. - Start new collections immediately with `create_new_payment` to trigger a direct debit against an existing mandate. - Track your money coming in with `list_merchant_payouts` to reconcile your bank balance with your merchant records. - Spot failed payments faster using `list_direct_debit_payments` to identify which customers need a follow-up. - Monitor your revenue health with `list_recurring_subscriptions` to see which plans are currently active. ## How It Works The bottom line is you get a chat-based interface for your entire direct debit payment pipeline. 1. Subscribe to the GoCardless MCP on the Vinkius Marketplace. 2. Enter your GoCardless Access Token from your developer dashboard. 3. Ask your AI client to pull customer records or check mandate statuses. ## Frequently Asked Questions **Can the GoCardless MCP handle my direct debit payments?** Yes, it lets your AI agent initiate new collections and track the status of your payments. You can check if a payment is confirmed or failed without leaving your chat. **How does the GoCardless MCP help with mandate tracking?** It allows you to pull the status of customer authorizations instantly. Your agent can check if a mandate is active before you try to collect funds. **Can I see my payouts using the GoCardless MCP?** Yes, you can ask your agent to list all merchant payouts sent to your bank account. It makes reconciliation much faster than manual searching. **Is the GoCardless MCP good for recurring payments?** It is perfect for that. You can list all recurring plans and check their status to see your predictable revenue and active plans. **Can I manage customer records with the GoCardless MCP?** You can fetch detailed customer profiles and bank account metadata. This helps you keep your records synced with your payment provider. **How do I connect GoCardless MCP to my AI client?** You just need to subscribe on the Vinkius Marketplace and enter your GoCardless Access Token. Once connected, your agent can start managing payments. **How do I get an Access Token for GoCardless?** Log in to your GoCardless dashboard, navigate to Developers > Access Tokens, and you can generate a new token for either Sandbox or Live use there. **What is a 'Mandate' in GoCardless?** A mandate is an authorization from your customer that allows you to collect payments from their bank account automatically in the future. **In what units should I provide the payment amount?** The API uses minor units for currency. For example, to collect $1.00 USD (or £1.00 GBP), you must provide the value 100 (cents/pence). **Can I test this without using real money?** Yes! Use the 'sandbox' environment by setting the 'Environment' credential and providing a Sandbox Access Token from your GoCardless account. **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.