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.

UnionPay Open Platform MCP Server for Cursor 7 tools — connect in under 2 minutes

Name: UnionPay Open Platform
Availability: InStock
Author: Vinkius

docs.cursor.com/context/model-context-protocol

Built by Vinkius GDPR 7 Tools IDE

Cursor is an AI-first code editor built on VS Code that integrates LLM-powered coding assistance directly into the development workflow. Its Agent mode enables autonomous multi-step coding tasks, and MCP support lets agents access external data sources and APIs during code generation.

Get MCP Server for AI Agents

ASK AI ABOUT THIS MCP SERVER

Open in ChatGPT Open in Claude Open in Perplexity

Vinkius supports streamable HTTP and SSE.

RecommendedModern Approach — Zero Configuration

Vinkius Desktop App

The modern way to manage MCP Servers — no config files, no terminal commands. Install UnionPay Open Platform and 2,500+ MCP Servers from a single visual interface.

Download Free Open SourceNo signup required

Classic Setup·json

{
  "mcpServers": {
    "unionpay-open-platform": {
      "url": "https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp"
    }
  }
}

Fully ManagedVinkius Servers

60%Token savings

High SecurityEnterprise-grade

IAMAccess control

EU AI ActCompliant

DLPData protection

V8 IsolateSandboxed

Ed25519Audit chain

<40msKill switch

Stream every event to Splunk, Datadog, or your own webhook in real-time

* Every MCP server runs on Vinkius-managed infrastructure inside AWS - a purpose-built runtime with per-request V8 isolates, Ed25519 signed audit chains, and sub-40ms cold starts optimized for native MCP execution. See our infrastructure

About UnionPay Open Platform MCP Server

Integrate the world's largest card network directly into your operations. UnionPay Open Platform allows your AI agents to programmatically verify identities, tokenize bank cards, and generate interoperable QR payment codes.

Cursor's Agent mode turns UnionPay Open Platform into an in-editor superpower. Ask Cursor to generate code using live data from UnionPay Open Platform and it fetches, processes, and writes — all in a single agentic loop. 7 tools appear alongside file editing and terminal access, creating a unified development environment grounded in real-time information.

What you can do

QR Code Payments — Generate C2B (Customer-to-Business) unified QR codes for rapid transactions and check their scanning status
Tokenization — Securely handle card binding operations, turning sensitive card details into a safe Token ID for recurring billing
KYC & Risk Checks — Validate combinations of Card Number, ID, and Phone Number directly against the bank's system

The UnionPay Open Platform MCP Server exposes 7 tools through the Vinkius. Connect it to Cursor in under two minutes — no API keys to rotate, no infrastructure to provision, no vendor lock-in. Your configuration, your data, your control.

How to Connect UnionPay Open Platform to Cursor via MCP

Follow these steps to integrate the UnionPay Open Platform MCP Server with Cursor.

Open MCP Settings

Press Cmd+Shift+P (macOS) or Ctrl+Shift+P (Windows/Linux) → search "MCP Settings"

Add the server config

Paste the JSON configuration above into the mcp.json file that opens

Save the file

Cursor will automatically detect the new MCP server

Start using UnionPay Open Platform

Open Agent mode in chat and ask: "Using UnionPay Open Platform, help me..." — 7 tools available

Why Use Cursor with the UnionPay Open Platform MCP Server

Cursor AI Code Editor provides unique advantages when paired with UnionPay Open Platform through the Model Context Protocol.

Agent mode turns Cursor into an autonomous coding assistant that can read files, run commands, and call MCP tools without switching context

Cursor's Composer feature can generate entire files using real-time data fetched through MCP — no copy-pasting from external dashboards

MCP tools appear alongside built-in tools like file reading and terminal access, creating a unified agentic environment

VS Code extension compatibility means your existing workflow, keybindings, and extensions all work alongside MCP tools

UnionPay Open Platform + Cursor Use Cases

Practical scenarios where Cursor combined with the UnionPay Open Platform MCP Server delivers measurable value.

Code generation with live data: ask Cursor to generate a security report module using live DNS and subdomain data fetched through MCP

Automated documentation: have Cursor query your API's tool schemas and generate TypeScript interfaces or OpenAPI specs automatically

Infrastructure-as-code: Cursor can fetch domain configurations and generate corresponding Terraform or CloudFormation templates

Test scaffolding: ask Cursor to pull real API responses via MCP and generate unit test fixtures from actual data

UnionPay Open Platform MCP Tools for Cursor (7)

These 7 tools become available when you connect UnionPay Open Platform to Cursor via MCP:

cancel_card_token

Unbind or cancel an existing UnionPay card token

check_card_risk_status

Query UnionPay risk status for a card

generate_qr_code

Generate a UnionPay QR Code for payment

get_qr_transaction_status

Check the payment status of a QR code transaction

init_secure_payment

Initialize a Secure Pay (Online Payment) checkout session

request_card_token

Tokenize a UnionPay card for secure future payments

verify_card_kyc

Verify identity and card binding (KYC)

Example Prompts for UnionPay Open Platform in Cursor

Ready-to-use prompts you can give your Cursor agent to start working with UnionPay Open Platform immediately.

"Generate a payment QR code for an order of 500 CNY."

"Check if this UnionPay card is flagged as high-risk: 6222021XXXXXXX."

"Cancel the recurring billing Token ID TK-82739."

Troubleshooting UnionPay Open Platform MCP Server with Cursor

Common issues when connecting UnionPay Open Platform to Cursor through the Vinkius, and how to resolve them.

Tools not appearing in Cursor

Ensure you are in Agent mode (not Ask mode). MCP tools only work in Agent mode.

Server shows as disconnected

Check Settings → Features → MCP and verify the server status. Try clicking the refresh button.

UnionPay Open Platform + Cursor FAQ

Common questions about integrating UnionPay Open Platform MCP Server with Cursor.

What is Agent mode and why does it matter for MCP?

Agent mode is Cursor's autonomous execution mode where the AI can perform multi-step tasks: reading files, editing code, running terminal commands, and calling MCP tools. Without Agent mode, Cursor operates in a simpler ask-and-answer mode that doesn't support tool calling. Always ensure you're in Agent mode when working with MCP servers.

Where does Cursor store MCP configuration?

Cursor looks for MCP server configurations in a mcp.json file. You can configure servers at the project level (.cursor/mcp.json in your project root) or globally (~/.cursor/mcp.json). Project-level configs take precedence.

Can Cursor use MCP tools in inline edits?

No. MCP tools are only available in Agent mode through the chat panel. Inline completions and Tab suggestions do not trigger MCP tool calls. This is by design — tool calls require user visibility and approval.

How do I verify MCP tools are loaded?

Open Settings → Features → MCP and look for your server name. A green indicator means the server is connected. You can also check Agent mode's available tools by clicking the tools dropdown in the chat panel.