UnionPay Open Platform MCP. Process global payments & handle card tokenization.
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UnionPay Open Platform handles global payments by integrating UnionPay's card network directly into your AI workflow. Use it to verify user identities, securely tokenize bank cards for recurring billing, and generate functional QR payment codes instantly.
It manages everything from initial KYC checks to final online checkout sessions.
What your AI agents can do
Cancel card token
Unlinks or invalidates a previously saved UnionPay card token ID, preventing future use of that token.
Check card risk status
Queries the network to determine if a specific card number is flagged for potential fraud or high risk.
Generate qr code
Creates a new UnionPay QR Code payload and URL needed for customers to complete a payment.
Verifies if a cardholder is legitimate by checking their ID, phone number, and card against the bank's records.
Creates unique Customer-to-Business (C2B) QR codes for immediate payment transactions.
Starts the necessary session to process a full, verifiable card transaction over the internet.
Converts sensitive raw card numbers into non-sensitive Token IDs for later use in subscriptions or billing cycles.
Queries the network to determine if a generated QR code payment actually went through and cleared successfully.
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UnionPay Open Platform MCP Server: 7 Payment & Tokenization Tools
Use these seven specialized tools to manage the entire payment lifecycle—from identity verification to final transaction status checks.
019d8495cancel card token
Unlinks or invalidates a previously saved UnionPay card token ID, preventing future use of that token.
019d8495check card risk status
Queries the network to determine if a specific card number is flagged for potential fraud or high risk.
019d8495generate qr code
Creates a new UnionPay QR Code payload and URL needed for customers to complete a payment.
019d8495get qr transaction status
Checks the final status of a specific QR code transaction, confirming if funds were received or failed.
019d8495init secure payment
Starts an online payment checkout session, collecting necessary data to process a full card transaction securely.
019d8495request card token
Takes raw card details and converts them into a secure Token ID suitable for saving for later billing cycles.
019d8495verify card kyc
Runs a Know Your Customer (KYC) verification by cross-referencing the provided Card Number, ID, and Phone Number against UnionPay records.
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Build Your Own
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Make Your AI Do More
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- Works with Claude, ChatGPT, Cursor, and more
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What you can do with this MCP connector
You gotta run global payments through UnionPay, right? This platform lets your AI client handle everything from verifying who a user is to processing recurring charges and generating payment codes. It's basically running a full financial pipeline straight out of your agent.
Verifying Identity and Risk Checks
When you need to validate a cardholder, start with the Know Your Customer (KYC) check. You use verify_card_kyc by feeding it the user’s Card Number, ID, and Phone Number; that runs a cross-reference against UnionPay records to confirm legitimacy. Before processing anything, you should always check if the card is flagged for trouble; run check_card_risk_status on any number to see if the network has flagged potential fraud or high risk.
Handling Payments: QR Codes and Online Checkout
For immediate payments, you’ll generate a payment QR code payload and URL using generate_qr_code. This creates that unique Customer-to-Business (C2B) code for quick transactions. Once the time comes to see if that code actually went through, check the final status with get_qr_transaction_status; this tells you if funds cleared or if the transaction failed.
If you're doing a full checkout over the internet—the kind of thing where you need to process everything securely—you use init_secure_payment. This starts the whole online session, gathering all necessary data so your agent can complete the card transaction safely.
Tokenizing and Managing Card Data
If you gotta save a customer's card details for later billing cycles or subscriptions, you don't want to store raw numbers. You run request_card_token on the sensitive card data; it converts those raw digits into a secure Token ID that you can use again without risk.
If you ever need to pull back a saved token—maybe the customer changed their bank—you gotta invalidate it by calling cancel_card_token. That action unlinks or invalidates the previously saved UnionPay card token ID, making sure nobody uses it anymore.
How UnionPay Open Platform MCP Works
- 1 First, subscribe to the UnionPay Open Platform server on Vinkius.
- 2 Next, input your required App ID and App Secret credentials from the developer portal into the agent's environment variables.
- 3 Finally, you can start calling tools—like
verify_card_kycorgenerate_qr_code—directly within your LLM prompt to execute complex payment flows.
The bottom line is: it lets your AI client handle the full lifecycle of global payments without needing dedicated, hard-coded SDKs in your application.
Who Is UnionPay Open Platform MCP For?
This server is for any developer or operations team handling global finance. Think billing managers who are tired of setting up complex webhooks just to manage recurring payments. Or cross-border developers struggling with different local payment requirements—it centralizes the complexity.
Builds core payment features, using tools like request_card_token and init_secure_payment to manage the entire checkout flow.
Needs to generate invoices or receipts instantly. They use generate_qr_code to send dynamic, scannable payment instructions directly in a chat interface.
Handles subscriptions and recurring billing by using the tokenization features (request_card_token) to safely store card data for future charges.
What Changes When You Connect
- Full KYC Validation: Use
verify_card_kycto validate user identity upfront. This stops fraud attempts before they even reach the payment gateway, saving you time and money. - Reliable Recurring Billing: Instead of storing raw data (which is a huge liability), use
request_card_tokento get a secure Token ID for billing cycles that happen months later. - Instant Payment Generation: Need to send an invoice? Running
generate_qr_codecreates the necessary C2B QR code payload immediately, which you can drop into any chat message or email. - Payment Status Tracking: Don't wait and wonder. Call
get_qr_transaction_statusafter generating a code to confirm if the customer actually scanned it and paid. - Risk Mitigation: Before processing anything, run
check_card_risk_status. This simple check helps flag potentially high-risk cards, letting you decline transactions proactively.
Real-World Use Cases
Onboarding a new subscription user
A user signs up for premium access. The agent runs verify_card_kyc first to validate the identity. Then, it calls request_card_token using the card details provided. This secures the Token ID needed later when the monthly billing cycle hits, without ever having to store the raw card number.
Processing a physical point-of-sale payment
A store manager needs to take money from a customer in person. The agent calls generate_qr_code with the order total (say, 500 CNY). It returns the QR code payload, which the manager can immediately display on screen for the customer to scan.
Handling an online checkout flow
A user is checking out on a website. The agent initiates the process by calling init_secure_payment. This single call handles the full session setup, making sure all necessary security checks are in place before the card details are even processed.
Cleaning up old billing data
A customer cancels a service and needs to stop recurring charges. The agent uses cancel_card_token with the associated Token ID, making sure all future automatic payments fail gracefully.
The Tradeoffs
Assuming payment success
The developer assumes that calling init_secure_payment means money was collected. They build the next step of the workflow based on this assumption, only to find out hours later the transaction failed.
→
Always follow up a successful init_secure_payment call or generate_qr_code with a check using get_qr_transaction_status. This confirms the funds actually cleared before moving forward.
Skipping KYC checks
The agent skips running any validation and jumps straight to processing payments, which risks accepting fraudulent or high-risk transactions.
→
Mandate that your workflow always starts with verify_card_kyc. This ensures the user's identity is validated first, minimizing risk exposure.
Trying to process payment without a token
The system needs to charge a customer next month but only has the raw card number. It tries to use that number directly in the billing tool and fails because it's not secure.
→
First, capture the details using request_card_token to get a safe Token ID. Use this Token ID for all future payment calls.
When It Fits, When It Doesn't
Use this platform if your core business function involves handling global transactions and recurring billing in multiple ways (online checkout, physical QR codes). It's essential when you need modular control over the full financial lifecycle—from KYC validation to tokenization.
Don't use it if all you need is a simple 'send money via API' tool that handles basic fraud checks without needing complex identity verification or advanced token management. For those simpler cases, look at specialized payment capture tools. But if your payments are tied to user accounts (subscriptions) or require physical checkout methods, this suite is the necessary control layer.
Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by UnionPay Open Platform. 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.
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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 7 capabilities that interface natively with Claude, ChatGPT, Cursor, and any MCP client. No middleware. No custom integration required.
Available Capabilities
Checking a customer's payment status can be a total headache.
Right now, when an order goes out via QR code, you usually have to wait for bank confirmations or manually check multiple dashboards. If the payment fails or gets stuck in limbo, you waste time emailing support and chasing down transaction IDs across different systems.
With this MCP server, you just call `get_qr_transaction_status`. Your agent runs the tool, checks the status immediately, and tells you if the funds cleared, failed, or are pending. It cuts out all the manual checking.
UnionPay Open Platform: Manage payments in your chat window.
Before this tool, setting up a secure checkout involved writing complex backend code to handle card data and risk checks—a process that required multiple microservices just to validate identity. You were blocked by the complexity of global payment compliance.
Now, you run `verify_card_kyc` or `init_secure_payment` directly in your LLM prompt. The agent handles the entire security protocol for you. It's pure API calls, no boilerplate code needed.
Common Questions About UnionPay Open Platform MCP
How do I use UnionPay Open Platform to check card risk? +
Call check_card_risk_status. This tool queries the network and returns whether the provided card number is flagged for fraud or if it's operating normally. It’s a simple, proactive step you should take early in any payment flow.
What tools does UnionPay Open Platform use for recurring payments? +
The request_card_token tool is what you need. It takes raw card details and converts them into a safe Token ID. You then save this Token ID and pass it back to the agent when running future charges.
Can I generate QR codes using UnionPay Open Platform? +
Yes, use generate_qr_code. This tool creates a C2B (Customer-to-Business) unified QR code payload and URL. You can then immediately display this to the customer for payment.
How do I validate user identity with UnionPay Open Platform? +
You run verify_card_kyc. This tool takes three pieces of information—the Card Number, ID, and Phone Number—and checks them together against the bank's system for a full KYC validation.
What is the purpose of the `init_secure_payment` function in the UnionPay Open Platform? +
It initializes a secure checkout session for online payments. You use this tool to generate a temporary payment gateway ID or link, which you must pass before collecting card details and completing the transaction.
After generating a code, how does UnionPay Open Platform track the success status using `get_qr_transaction_status`? +
This tool allows you to query the real-time outcome of any QR transaction. You get immediate feedback on whether the payment succeeded, failed, or if it's still pending confirmation.
When I use UnionPay Open Platform for card tokenization via `request_card_token`, what happens to my sensitive data? +
The tool converts raw card numbers into a safe Token ID. You can store this reusable token instead of the actual card details, allowing you to bill the customer later without handling sensitive information.
If I need to revoke payment access, how does the UnionPay Open Platform's `cancel_card_token` tool work? +
The function safely unlinks an existing card token from your system. Once you run this, any future attempt to process a charge using that specific token will fail immediately.
How do I get an App ID? +
You must register a developer account on the UnionPay International Developer portal. Once your business is verified, you can create an app to obtain credentials.
Does KYC card checking cost money? +
Yes, depending on your contract with UnionPay, calls to identity verification and risk assessment endpoints may incur minor micro-transaction fees per successful hit.
Can I use RSA Certificates instead of App Secret? +
This MCP wrapper abstracts away the complex RSA .pfx certificate signing by requiring standard API Key interaction, which is securely transformed in the agent execution runtime.
Use it with your favorite AI tools
Connect this server to Cursor, Claude, VS Code, and more.
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