How to Use the Checkout.com MCP in Vercel AI SDK

Q: How do I connect the Vercel AI SDK to Checkout.com?

Install the @ai-sdk/mcp package and use createMCPClient with your Vinkius endpoint URL. Pass the tools from mcpClient.tools() into your generateText or streamText call. It's just a few lines of code to get started.

Q: Can I issue refunds from my Vercel AI SDK app with Checkout.com?

Yes, the refundpayment tool handles this. Your agent can trigger a refund, which moves the money back to the original card network. The confirmation streams right back to your application's UI.

Q: What's the difference between voidpayment and refundpayment for Checkout.com in the Vercel AI SDK?

Use voidpayment to cancel an authorized but uncaptured payment. Use refundpayment to return money for a payment that has already been captured and settled. Voiding is faster and avoids transaction fees.

Connect your Vercel AI SDK app to Checkout.com. Stream payment statuses, instrument details, and transaction data directly into your UI.

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Connect Checkout.com MCP to Vercel AI SDK

Create your Vinkius account to connect Checkout.com to Vercel AI SDK and route execution through our secure gateway. The platform manages server hosting, runtime updates, and security layers. Configuration requires no manual server provisioning.

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Setup Checkout.com with Vercel AI SDK

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Process Payments in Real-Time

The `request_payment` tool lets your agent start a transaction through the Checkout.com gateway. You can then use `capture_payment` to lock in the funds or `void_payment` to cancel the authorization before it settles, saving on fees. Because you're using the Vercel AI SDK, the results of these actions stream directly into your React or Svelte components. Your user sees their payment confirmation appear on screen instantly, without waiting for a page to reload.

Manage Customer Instruments from Your UI

Securely handle customer payment methods using tools like `create_instrument` and `get_instrument`. Your agent can vault a new card or pull details for a returning customer from Checkout.com's secure storage. When an instrument is no longer needed, `delete_instrument` removes it permanently. These actions give you full control over a customer's payment profile, managed right from your AI-powered frontend.

Get Full Transaction Visibility with your MCP Server

Dig into payment history with `get_payment_details` and `get_payment_actions`. Your agent can pull up a specific transaction's properties or list all the gateway rules applied to it. This is great for building customer support dashboards or internal admin panels. With the AI SDK, this data populates your UI live as the agent finds it, giving your team instant access to the information they need.

Setup guide

Set up Checkout.com MCP in Vercel AI SDK

Prerequisites

Node.js 18+ and a TypeScript project
ai + @modelcontextprotocol/sdk packages
Active Vinkius subscription with a valid endpoint token

1

Install dependencies

Run npm install ai @modelcontextprotocol/sdk plus your preferred model provider (e.g. @ai-sdk/openai).
2

Create the Streamable HTTP transport

Use StreamableHTTPClientTransport with your Vinkius endpoint URL. Replace [YOUR_TOKEN_HERE] with your token from cloud.vinkius.com.
3

Discover and use tools

Call mcpClient.tools() to auto-discover all Checkout.com tools. Pass them directly to generateText() or streamText() — no manual schema definitions needed.
4

Works with any model provider

Swap openai("gpt-4o") for any AI SDK provider — Anthropic, Google, Mistral. The MCP tools work identically across all supported models.

index.ts

import { experimental_createMCPClient as createMCPClient } from "ai";
import { StreamableHTTPClientTransport } from "@modelcontextprotocol/sdk/client/streamableHttp";
import { generateText } from "ai";
import { openai } from "@ai-sdk/openai";

const transport = new StreamableHTTPClientTransport(
  new URL("https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp")
);

const mcpClient = await createMCPClient({ transport });
const tools = await mcpClient.tools();

const { text } = await generateText({
  model: openai("gpt-4o"),
  tools,
  prompt: "List recent Checkout.com transactions",
});

console.log(text);
await mcpClient.close();

Get your connection token →

Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by Checkout.com. 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.

Why Choose Vinkius

Vinkius connects your tools to AI with real-time monitoring and automatic cost savings — all from one dashboard.

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Connect your favorite tools to your AI and see exactly what's happening — every request, every response, in real time.

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Common questions about Checkout.com MCP in Vercel AI SDK

Install the `@ai-sdk/mcp` package and use `createMCPClient` with your Vinkius endpoint URL. Pass the tools from `mcpClient.tools()` into your `generateText` or `streamText` call. It's just a few lines of code to get started.

Yes, the `refund_payment` tool handles this. Your agent can trigger a refund, which moves the money back to the original card network. The confirmation streams right back to your application's UI.

It is. Your Vinkius endpoint token handles authentication. The server runs in a V8 Isolate sandbox, so every request is isolated and ephemeral. Your credentials stay secure.

Use `void_payment` to cancel an authorized but uncaptured payment. Use `refund_payment` to return money for a payment that has already been captured and settled. Voiding is faster and avoids transaction fees.

The server interacts with payment instruments and transaction details stored in Checkout.com. Vinkius secures the connection with your single endpoint token, and all operations are processed within an ephemeral, zero-trust environment, ensuring no payment data is ever stored on the MCP server itself.

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