# Zip MCP for AI Agents AI Agent Connect > Zip MCP lets you manage Buy Now, Pay Later (BNPL) checkouts, orders, and payments through your AI agent. It connects your Zip merchant account to tools like Claude or Cursor so you can create sessions, capture funds, and issue refunds without switching tabs. It is built for e-commerce teams who need to manage BNPL payments at scale. ## Overview - **Category:** money-moves - **Price:** Free - **Endpoint:** https://edge.vinkius.com/undefined/ai-agent-connect - **Tags:** buy-now-pay-later, checkout-automation, order-management, refunds, merchant-services, payment-gateway ## Description This Zip MCP connects your merchant account to your AI agent to handle Buy Now, Pay Later (BNPL) workflows. It lets your agent initiate checkouts, manage order authorizations, and process captures or refunds directly from a chat interface. Instead of jumping between tabs to find a transaction ID or clicking through a complex merchant portal, you can just ask your agent to do the work. It handles the communication with the Zip API to create new checkout sessions and confirm orders across different regions. You can also pull account-level configurations or check real-time order statuses on the fly. By plugging this into your existing workflow via Vinkius, you turn a multi-step manual process into a simple conversation. It's about getting your orders moved from pending to captured without the headache of navigating a dashboard. You get a direct way to manage the lifecycle of your payments while keeping your focus on running the business. This means your team spends less time on data entry and more time on fulfillment. Whether you're dealing with a surge in holiday orders or a sudden influx of refund requests, your agent handles the repetitive API calls. You can quickly verify if a payment is captured or if a void is necessary without leaving your workspace. It's a direct line to your Zip data that makes handling BNPL payments feel like a natural part of your daily chat. ## Tools ### get_zip_order_status Check the status of a specific Zip order. Use it to see if an order is authorized, captured, or cancelled. ### refund_zip_payment Process a refund for an order. This handles both full and partial refunds for your customers. ### void_zip_payment Void an authorized but uncaptured payment. This is useful for canceling orders before they are finalized. ### authorize_zip_order Authorize a payment order for US gateway integrations. This helps you secure funds before they are captured. ### capture_zip_payment Capture funds for an order that has been authorized. Use this when the goods have shipped to finalize the sale. ### confirm_zip_order Finalize an authorized order. This moves the order to its final state in the Zip system. ### create_zip_checkout Initialize a new Zip checkout session. You just need to provide the amount, currency, and redirect URL. ### get_zip_merchant_config Retrieve your merchant account configuration. This lets you check currency limits and other account settings. ## Prompt Examples **Prompt:** ``` I need to refund order 12345. ``` **Response:** ``` I've processed a full refund for order 12345. **Transaction Details:** * **Status:** Refunded * **Amount:** $100.00 USD * **Timestamp:** 2026-07-15 10:15 AM The funds have been released back to the customer. ``` **Prompt:** ``` Is order 55555 captured yet? ``` **Response:** ``` I've checked the status for order 55555. | Order ID | Status | Amount | | :--- | :--- | :--- | | 55555 | **Authorized** | $150.00 USD | It is currently awaiting capture once you ship the items. ``` **Prompt:** ``` Create a checkout for 50 dollars. ``` **Response:** ``` I've initialized the Zip checkout for you. * **Checkout ID:** chk-998877 * **Amount:** $50.00 USD * **Redirect URL:** https://zip.co/pay/chk-998877 You can send this link to your customer to complete their payment. ``` ## Capabilities ### Create BNPL checkout sessions Start new customer checkouts with specific amounts and currencies. ### Authorize and confirm orders Secure funds for orders across different regional gateways. ### Capture funds for shipping Finalize payments once your goods are ready to leave the warehouse. ### Issue full or partial refunds Process customer returns and refund amounts through natural language. ### Void uncaptured payments Cancel authorized payments that haven't been captured yet. ### Monitor order lifecycles Check real-time status for any specific order ID. ### Access merchant configurations View account settings, currency limits, and other merchant details. ## Use Cases ### Instant customer refunds A customer asks for a return via chat. The agent uses refund_zip_payment to issue it immediately without a human opening the Zip portal. ### Batch order auditing A controller needs to see if a batch of orders is captured. The agent uses get_zip_order_status to provide a summary of the current states. ### Manual checkout creation A support rep needs to create a payment link for a VIP customer. The agent uses create_zip_checkout to generate the redirect URL. ### Pre-shipment cancellations A customer cancels an order before it ships. The agent uses void_zip_payment to free up the authorized funds instantly. ## Benefits - Handle refunds instantly using refund_zip_payment without logging into the merchant portal. - Get real-time status updates for every order using get_zip_order_status to stay on top of fulfillment. - Automate checkout creation with create_zip_checkout to speed up the customer onboarding process. - Verify merchant limits and account settings quickly with get_zip_merchant_config. - Avoid manual errors in capturing funds by using capture_zip_payment directly through your agent. - Manage regional authorizations across different gateways using authorize_zip_order for global reach. ## How It Works The bottom line is you get a direct way to manage BNPL transactions through your AI client without ever opening the Zip merchant portal. 1. Subscribe to the Zip MCP on the Vinkius marketplace. 2. Enter your Zip Merchant API Key, Region, and Environment details. 3. Ask your AI client to create checkouts, check statuses, or process refunds. ## Frequently Asked Questions **Can I use Zip MCP to manage my merchant account settings?** Yes, you can use the Connector to retrieve your merchant configuration. This lets your agent check your currency limits and other account settings without you needing to log into the portal. **How does Zip MCP handle customer refunds?** The Connector allows your agent to process both full and partial refunds. You just tell your agent which order to refund, and it handles the communication with Zip to get it done. **Can my AI agent create Zip checkouts for my customers?** Yes, your agent can create new checkout sessions. You just need to tell it the amount and currency, and it will provide the redirect URL for your customer. **Does Zip MCP work for international orders?** Yes, it supports authorizing orders across different regional gateways. This makes it suitable for merchants operating in both US and global environments. **Can I void a payment if an order is cancelled?** Yes, you can use the Connector to void payments that have been authorized but not yet captured. This is helpful for canceling orders before they ship. **Is Zip MCP good for high-volume e-commerce?** It is designed specifically for merchants who need to automate the lifecycle of BNPL payments. It helps your team move through orders faster by removing the need for manual dashboard clicks. **What is the difference between Authorize and Confirm in Zip?** Authorize initiates the transaction and checks for customer funds. Confirm (used in some regions) finalizes the checkout intent before capture. **Can I process partial captures via the agent?** Yes, the `capture_zip_payment` tool accepts an optional JSON body where you can specify a partial amount to capture if only part of the order is shipping. **How do I handle different regions like US and AU?** Specify your account region ('US' or 'AU') in the configuration settings. The Connector automatically routes requests to the correct Zip gateway URL.