Alipay Open Platform MCP. Manage full payment cycles, from order creation to ledger reconciliation.
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Alipay Open Platform. Use this to automate core financial operations within Alipay. Your AI agent can create, close, and cancel trades, process refunds, transfer funds, and pull structured daily billing reports.
It's designed for high-volume e-commerce and financial reconciliation, letting you manage the full lifecycle of payments without leaving your AI client.
What your AI agents can do
Cancel trade
Cancels an existing Alipay trade order.
Close trade
Closes an unpaid Alipay trade order.
Create trade
Creates a new Alipay transaction or order.
Create, query, close, and cancel trade orders, managing the full payment lifecycle.
Execute partial or full refunds against a transaction, and check the settlement status of the refund.
Send B2C payouts to specific Alipay user accounts and verify when the transfer completes.
Download daily transaction summaries, getting structured exports for automated bookkeeping.
Query authorized user details by exchanging OAuth authorization codes.
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Alipay Open Platform MCP Server: 10 Tools for Payments
Use these tools to manage the full lifecycle of payments, including creating trades, processing refunds, transferring funds, and reconciling daily financial ledgers.
019d8414cancel trade
Cancels an existing Alipay trade order.
019d8414close trade
Closes an unpaid Alipay trade order.
019d8414create trade
Creates a new Alipay transaction or order.
019d8414get oauth token
Exchanges an authorization code to retrieve a secure OAuth Token.
019d8414query bill download url
Queries the specific download URL needed for accounting settlement bills.
019d8414query trade
Checks the current status of an existing Alipay trade order.
019d8414query transfer
Checks the current status of a fund transfer payout.
019d8414query user info
Retrieves authorized profile information for an Alipay user.
019d8414refund trade
Processes a refund for a specific Alipay transaction.
019d8414transfer fund
Sends funds from your account to a specified Alipay user account.
Choose How to Get Started
Build a custom MCP for your own tools, or connect a ready-made integration from our catalog.
Build Your Own
Turn any API into an MCP. Import a spec, define Agent Skills, or deploy with MCPFusion.
- Import from OpenAPI, Swagger, or YAML specs
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- Built in DLP, auth, and compliance on every call
- Real time usage dashboard and cost metering
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Make Your AI Do More
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- Works with Claude, ChatGPT, Cursor, and more
- New servers added to the catalog every week
What you can do with this MCP connector
Your AI agent uses the Alipay Open Platform to manage core financial operations. It can create, close, and cancel trades, process refunds, send funds, and pull structured daily billing reports.
Manage Trade Orders: You can create a new transaction or order with create_trade, check the status of an existing order using query_trade, close an unpaid order with close_trade, and cancel a trade with cancel_trade, handling the full payment lifecycle.
Process Refunds: You process partial or full refunds for a specific transaction using refund_trade, and you can check the settlement status of the refund.
Perform Fund Transfers: You send funds from your account to a specified Alipay user account using transfer_fund, and you can verify when the payout transfer completes using query_transfer.
Reconcile Accounts: You get the specific download URL for accounting settlement bills with query_bill_download_url, and you can also retrieve authorized user profile information with query_user_info.
Check User Status: To start, you exchange an authorization code for a secure OAuth Token using get_oauth_token.
How Alipay Open Platform MCP Works
- 1 First, you register as a developer and generate the necessary App ID and key pair on the Alipay platform.
- 2 You upload the public key and paste the App Private Key into the server configuration.
- 3 Your AI client then sends the request; the server automatically signs and executes the transaction using the private key, exposing only the functional result to your agent.
The bottom line is, you set up the credentials once, and the server handles all the complex cryptographic signing required for every subsequent API call.
Who Is Alipay Open Platform MCP For?
This is for e-commerce platforms, financial controllers, and growth engineers. If your job involves processing payments, reconciling ledgers, or managing customer payouts at scale, you need this. It replaces manual dashboard switching with a single, automated API layer.
Automates order creation, status checks, and refund processing across storefronts without switching between payment dashboards.
Pulls daily settlement bills and runs reconciliation reports, automatically flagging discrepancies before a human reviews the ledger.
Integrates Alipay checkout flows into conversational bots, enabling automated, frictionless payments at scale.
What Changes When You Connect
- Automated Reconciliation: Stop manually downloading and summarizing settlement bills. Use
query_bill_download_urlto pull structured daily reports, letting your agent automatically reconcile ledgers and flag discrepancies. - Full Transaction Control: Don't just check a status. You can manage the entire payment lifecycle. Use
create_tradeto initiate orders, and thencancel_tradeorclose_tradewhen needed. - Reliable Payouts: Sending money out is hard. Use
transfer_fundto dispatch B2C payouts andquery_transferto confirm the transfer status, ensuring funds hit the target account. - Refund Management: Need to process a return?
refund_tradeexecutes the refund and gives you the ID. You can then check the status usingquery_tradeto track when the money settles. - Secure User Data: Don't rely on manual forms. Use
get_oauth_tokento securely exchange authorization codes and access verified customer profile information viaquery_user_info. - Error Handling: If a transaction fails, you don't get a vague error code. You can use
query_tradeto pinpoint the exact status and required action.
Real-World Use Cases
Handling a Returned Item
A customer calls in about a return. Instead of searching the dashboard, your agent runs refund_trade with the order ID and reason. The agent confirms the refund ID and then uses query_trade to give the customer an expected settlement date.
End-of-Day Financial Close
The financial team needs to close the books. The agent runs query_bill_download_url to pull the day's settlement bill. It then parses the CSV data, summing gross revenue and flagging any transactions above $5,000, preparing the data for the accounting system.
Onboarding a New Merchant
You need to set up a payment flow for a new client. The agent first runs get_oauth_token to secure user credentials, then uses create_trade to generate a payment link, and finally query_user_info to validate the contact details.
Investigating Failed Payouts
A merchant claims a payout never arrived. The agent runs query_transfer using the transaction ID. If the status is 'pending', the agent can advise the user and, if necessary, initiate a manual follow-up check.
The Tradeoffs
Checking Status Manually
A developer builds a workflow that requires a user to manually check the status of a trade ID, then manually check the transfer ID, and then manually download the bill.
→
Don't build a series of manual checks. Use query_trade and query_transfer within a single flow, and rely on query_bill_download_url to get the full reconciliation data in one go.
Ignoring Trade Lifecycles
Only running create_trade when a payment is initiated, and then assuming the order stays open indefinitely.
→
Always define the trade's state. After creation, check the status with query_trade. If the payment window closes, use close_trade or cancel_trade to manage the order properly.
Handling Payments in Silos
Managing refunds in one system, transfers in another, and reconciliation in a third, forcing the user to jump between three different dashboards.
→
Centralize the logic. Use refund_trade for refunds and transfer_fund for payouts. Then, use query_bill_download_url to pull a single report that covers both actions for auditing.
When It Fits, When It Doesn't
Use this server if your primary need is payment lifecycle management. You need to process money: creating orders (create_trade), moving funds (transfer_fund), or correcting payments (refund_trade). Don't use this if you only need basic user lookups; for that, a simple identity service might suffice. You must use this if your workflow requires linking a payment event to a corresponding ledger entry, as the combination of query_bill_download_url and query_trade provides the necessary financial context. If you only need to send a notification, this is overkill; use a dedicated messaging API instead.
Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by Alipay. All third-party trademarks, logos, and brand names are the property of their respective owners. Their use on this website is strictly for informational purposes to identify service compatibility and interoperability.
VINKIUS INFRASTRUCTURE
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Works with Claude, ChatGPT, Cursor, and more
The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.
This server provides 10 capabilities that interface natively with Claude, ChatGPT, Cursor, and any MCP client. No middleware. No custom integration required.
Available Capabilities
Reconciling payments shouldn't feel like a forensic accounting investigation.
Today, getting a clear view of your revenue means logging into the payment portal, finding the settlement report, downloading a CSV, and then manually cross-referencing it against your internal order database. You spend hours comparing line items and tracking down discrepancies.
With the Alipay Open Platform MCP Server, your agent handles that whole sequence. You ask for the daily bill, and the agent runs `query_bill_download_url`. It pulls the structured data, parses it, and gives you a clean summary—ready for your accounting software. No more manual cross-referencing.
Alipay Open Platform MCP Server: Fund Transfers and Trade Management
Manually setting up a fund payout involves creating the transaction, waiting for confirmation, and then checking the status in a separate screen. If anything fails, you're back to square one, repeating the entire process.
Now, your agent manages the whole thing. You instruct it to transfer funds using `transfer_fund`. The agent executes the transfer, and then immediately runs `query_transfer` to confirm the status. You get a single, verifiable confirmation, period.
Common Questions About Alipay Open Platform MCP
How do I get the OAuth Token using the get_oauth_token tool? +
You exchange an authorization code for the token. You pass the code to the agent, and the server returns the active OAuth Token, which you then use for subsequent calls to query user info.
Can I cancel an Alipay trade using the cancel_trade tool? +
Yes. The cancel_trade tool rolls back the trade order. Just provide the trade ID, and the agent handles the cancellation request to Alipay.
Is there a tool to check if a fund transfer completed? +
Yes, use query_transfer. It checks the current status of a payout. This tells you if the money has successfully landed in the recipient's account.
What do I use to process a refund? +
Use the refund_trade tool. You need to provide the original transaction ID, the refund amount, and the reason for the refund. The tool executes the refund and confirms the process.
How do I create a new payment order with create_trade? +
You call create_trade, providing the amount, subject, and necessary callbacks. The tool generates the order and provides the unique Order ID for tracking.
How do I check the status of a fund transfer using query_transfer? +
You use the query_transfer tool. This function checks the status of a fund transfer by providing the relevant transfer ID, confirming if the payout is pending, completed, or if an exception occurred.
Which tool do I use for accounting bill reconciliation? (query_bill_download_url) +
You use query_bill_download_url. This tool retrieves the necessary download URL for daily transaction summaries, allowing you to pull structured accounting exports for automated book-keeping.
Can I query the details of an existing Alipay trade using query_trade? +
Yes, you use the query_trade tool. This function queries the status and details of a specific Alipay trade ID, letting you verify if an order was paid, closed, or if it requires action.
Do I need to generate RSA signatures manually for each API call? +
No! Simply provide your App Private Key in PKCS1 or PKCS8 format. The engine handles all RSA-SHA256 signing, timestamping, and parameter encoding under the hood automatically on every request — you never touch signature logic directly.
Can I process partial refunds specifying only a fraction of the original order amount? +
Yes! The refund_trade tool supports both full and partial refunds. Specify the original trade number, the refund amount, and a reason string. The engine will dispatch the correctly signed request and return the settlement confirmation with a unique refund ID for tracking.
Is there any risk of accidental payments or unauthorized fund transfers through this integration? +
Every transactional action requires explicit parameters — trade amounts, recipient accounts, and refund values must all be specified deliberately. The RSA2 signature layer ensures that no request can be forged or replayed. Additionally, all operations are scoped to your registered App ID and sandbox/production environment.
Use it with your favorite AI tools
Connect this server to Cursor, Claude, VS Code, and more.
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