How to Use the UnionPay Open Platform MCP in Vercel AI SDK

Q: What data does UnionPay Open Platform handle regarding KYC when using Vercel AI SDK?

The verifycardkyc tool handles identity and card binding information. This is the specific type of sensitive credential you'll be working with.

Q: Can UnionPay Open Platform handle payment cancellations using Vercel AI SDK?

Yes, you can call cancelcardtoken to unbind or cancel an existing card token. The result streams back so your client knows the status change immediately.

Q: What is the best way to manage multiple payment methods with UnionPay Open Platform and Vercel AI SDK?

You can chain calls: first checkcardriskstatus to assess risk, then use initsecurepayment for checkout. The streaming nature of the Vercel AI SDK makes this flow feel instant.

Q: If I need to manage payment failures, what data privacy considerations apply with UnionPay Open Platform and Vercel AI SDK?

Remember that requestcardtoken handles the raw card details. You must ensure your application only displays tokenized or masked information to the end user.

Get real-time payment flows into your UI with Vercel AI SDK.

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Connect UnionPay Open Platform MCP to Vercel AI SDK

Create your Vinkius account to connect UnionPay Open Platform 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 UnionPay Open Platform with Vercel AI SDK

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Real-Time Payment Status via MCP Server

Check the status of a QR code transaction instantly. You can call `get_qr_transaction_status` and stream the result directly to your user interface. This means users see the payment update live, without waiting for a full page reload or dismissing a loading spinner.

Secure Payment Initialization with Vercel AI SDK

Need to start an online checkout session? Use `init_secure_payment` to handle the entire Secure Pay process. Your AI client can manage this payment flow step-by-step. You'll get back the necessary data immediately, allowing your frontend code to proceed with minimum latency.

Card Tokenization and Verification via MCP Server

Handling card details safely is crucial. First, you run `verify_card_kyc` to confirm identity and bind the card. Then, use `request_card_token` to get a secure token for future payments. This process keeps sensitive data out of your app while still letting you charge customers later.

Setup guide

Set up UnionPay Open Platform 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 UnionPay Open Platform 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 UnionPay Open Platform transactions",
});

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

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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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Common questions about UnionPay Open Platform MCP in Vercel AI SDK

Your agent calls the MCP tool, and the result streams back directly to your Next.js or Svelte front end via the Vercel AI SDK. It's designed for live data updates.

The `verify_card_kyc` tool handles identity and card binding information. This is the specific type of sensitive credential you'll be working with.

Yes, you can call `cancel_card_token` to unbind or cancel an existing card token. The result streams back so your client knows the status change immediately.

You can chain calls: first `check_card_risk_status` to assess risk, then use `init_secure_payment` for checkout. The streaming nature of the Vercel AI SDK makes this flow feel instant.

Remember that `request_card_token` handles the raw card details. You must ensure your application only displays tokenized or masked information to the end user.

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