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Use Mastercard with your AI.

Connect your account once and let the AI you already use work with it, without building another integration. Identify cards, validate accounts, find merchants, and detect fraud via Mastercard payment APIs.

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Developed, maintained, and hosted by Vinkius.

MCP VERIFIED · PRODUCTION READY · VINKIUS GUARANTEED

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Works with modern AI clients that support MCP, including ChatGPT, Claude, Cursor, and more.

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Complete set · 12 capabilities

The complete Mastercard capability set.

These are the exact actions your AI can choose when you ask it to work with Mastercard.

Capability set01 / 03

01-04

4 capabilities in this set.

Part of 12 available through Mastercard.

  1. 01

    Bin lookup post

    Returns identical card identification data: issuer bank, card type, category, country, and product flags. Use this method when handling sensitive payment data in compliance-focused applications. The accountNumberPrefix should be 6-8 digits. Optional context parameters (currency, payment type, MCC) refine results. Identify card issuer using POST method for enhanced security with sensitive card data

  2. 02

    Get merchant

    Returns full address, contact information, MCC code, operating hours, and accepted payment methods. Use this to get in-depth information about a specific merchant location after finding it via search. The merchant ID is a unique identifier returned by the search_merchants capability. Get detailed information about a specific Mastercard-accepting merchant

  3. 03

    Merchant industry codes

    Industry codes group related MCC codes into higher-level categories. Use this to understand the hierarchical classification of merchants, analyze industry-level spending patterns, or build category navigation interfaces. List all merchant industry codes for broader business classification

  4. 04

    Search places

    Returns detailed merchant information including whether they accept Apple Pay, Google Pay, contactless payments, and their MCC classification. Use this when users need to find payment-accepting locations with specific digital wallet support. Latitude and longitude are required as numbers. Distance is in kilometers. Optionally filter by country code (ISO 3166-1 alpha-2) and payment capabilities (hasApplePay, hasGooglePay). Search for merchant places using GPS coordinates with payment method filters

Capability set02 / 03

05-08

4 capabilities in this set.

Part of 12 available through Mastercard.

  1. 05

    Search places by address

    The API geocodes the address internally. Returns nearby merchants with payment capability details (Apple Pay, Google Pay, contactless). Use this when users provide an address rather than GPS coordinates. Required: address line 1, city, country code, and postal code. Optional: state/province code (countrySubdivisionCode) for more precise results. Example: addressLine1="1600 Amphitheatre Pkwy", city="Mountain View", countryCode="US", postalCode="94043". Search for merchant places using a street address instead of coordinates

  2. 06

    Bin lookup

    Returns comprehensive card information including: issuer bank name, card type (credit/debit/prepaid/commercial), card category (Standard/Gold/Platinum/World/World Elite), issuing country, currency, and special flags (healthcare, payroll, purchasing). Use this to identify unknown cards, validate card ranges before transactions, determine cross-border fees, or understand the cardholder profile. The accountNumberPrefix parameter must be 6-8 numeric digits. Optional parameters (currencyCode, paymentType, merchantCategoryCode) provide more precise results for specific transaction contexts. Identify card issuer, type, and details from the first 6-8 digits of a payment card number

  3. 07

    Get place details

    Returns full address, coordinates, MCC code, payment methods accepted, operating hours, and other merchant attributes. Use this after a places search to drill down into a specific location. The locationId is returned by search_places or search_places_by_address capabilities. Get complete details for a specific merchant place by its location ID

  4. 08

    Merchant category codes

    MCC codes are 4-digit numbers that classify businesses by type (e.g., 5411 = Grocery Stores, 5812 = Restaurants, 4511 = Airlines). Use this to understand merchant classifications, filter searches by business type, or decode MCC values found in transaction data. Optional limit parameter controls how many codes to return. List all Merchant Category Codes (MCC) used to classify business types

Capability set03 / 03

09-12

4 capabilities in this set.

Part of 12 available through Mastercard.

  1. 09

    Nearby locations

    Returns names, addresses, categories, and distances from the search point. Use this for "what is nearby" queries, travel planning, or finding payment infrastructure in an area. Latitude and longitude are required. Radius in meters defines the search area. Limit controls maximum results returned. Discover points of interest and payment locations near GPS coordinates

  2. 10

    Search merchants

    Returns merchant names, addresses, MCC codes, and precise coordinates. Use this to find nearby payment-accepting locations, analyze merchant density in an area, or build "find merchants near me" features. Latitude and longitude are required as strings (e.g., "-23.5505", "-46.6333"). Radius is in meters (e.g., 5000 for 5km). Optionally filter by MCC category code (e.g., "5411" for grocery stores, "5812" for restaurants). Limit controls result count (max 50). Find Mastercard-accepting merchants near specific GPS coordinates filtered by category

  3. 11

    Submit fraud report

    This is a critical capability for issuers and processors to flag fraudulent transactions in real-time. Required fields: accountNumber (card number), transactionAmount, transactionCurrency (ISO 4217), and fraudTypeCode. Fraud type codes: "01" = Stolen Card Fraud, "02" = Never Received Card, "03" = Fraudulent Application, "04" = Counterfeit Card Fraud. Optional: fraudAmount (if different from transaction amount), transactionDate (YYYY-MM-DD). Use this only for confirmed fraud cases. never for suspected or disputed transactions. This helps Mastercard improve fraud detection and reduce false positives across the network. IMPORTANT: This action should only be performed by authorized fraud management personnel. Report a confirmed fraudulent transaction to Mastercard Fraud and Loss Database

  4. 12

    Validate account

    Returns validation status (VALID/INVALID), account type, and issuer information. Use this to verify card validity before processing transactions, reduce declined transactions, or perform account verification during onboarding. Required: accountNumber (full card number). Optional: expiryDate (MMYY format), cardholderName for enhanced validation. Handle card numbers securely. never log or store full PANs. Validate a payment card account number to check if it is active and valid

Observed, not estimated

926ms average. Fast in production.

Mastercard is checked daily against the live service.

Daily averagePeak 1124ms
Aug 20Today
Fastest day
767ms
Slowest day
1124ms
14-day trend
Slowing+25%

Connect your client

One URL. Every client.

Activate the Connector, copy your link, and paste it into the client you already use. 12 capabilities arrive ready to run.

Preview access · not provider authentication

The vk_preview_* token belongs to Vinkius preview infrastructure. It lets Claude discover and display the capabilities of Mastercard, so you can see the experience inside your AI.

It does not authenticate your account with Mastercard. Actions requiring credentials or live account data may not run until you activate the Connector and authorize the service.

Mastercard Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_NVEdiwOFK39oo4SxhoHISBVJABh2JC4PqWkfuar2/mcp

Claude Desktop

Follow the steps below to connect in seconds.

  1. 1In Claude Desktop, open Settings → Connectors.
  2. 2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
  3. 3Click Add and start a new chat — Mastercard capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "mastercard-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_NVEdiwOFK39oo4SxhoHISBVJABh2JC4PqWkfuar2/mcp"
    }
  }
}
  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Step-by-step instructions for each client are in the guide. How to connect

FAQ

Questions Mastercard owners ask.

  • 01

    Can I identify what bank issued a card just from the first few digits?

    Yes! Use the bin_lookup capability with the first 6-8 digits of the card number (the BIN). Mastercard will return the issuer bank name, card type (credit/debit/prepaid), card category (Gold/Platinum/World), issuing country, and flags like whether it's a commercial or healthcare card. For example, BIN 542418 reveals the exact issuing bank and card tier.

  • 02

    How can I find merchants that accept Mastercard near a specific location?

    Use the search_merchants capability with latitude, longitude, and a search radius in meters. You can optionally filter by MCC code (e.g., "5812" for restaurants, "5411" for grocery stores). For example, searching with coordinates -23.5505, -46.6333 (São Paulo) and radius 5000 will return all Mastercard-accepting merchants within 5km. Results include merchant names, addresses, categories, and coordinates.

  • 03

    Can I verify if a payment card is valid before processing a transaction?

    Yes! Use the validate_account capability with the full card number. It checks Mastercard records to determine if the card is active and valid, returning the validation status (VALID/INVALID), account type (credit/debit/prepaid), and issuer information. Optionally include expiry date (MMYY format) and cardholder name for enhanced validation. This helps reduce declined transactions and fraud risk. Never store full card numbers. handle them securely.

  • 04

    How do I report a confirmed fraudulent transaction to Mastercard?

    Use the submit_fraud_report capability with the card number, transaction amount, currency (ISO 4217), and fraud type code. Fraud types: "01" = Stolen Card, "02" = Never Received Card, "03" = Fraudulent Application, "04" = Counterfeit Card. Optionally include fraud amount and transaction date. This submits to Mastercard's Fraud and Loss Database (FLD) to help reduce false positives across the network. IMPORTANT: Only authorized fraud management personnel should use this capability for confirmed cases.

  • 05

    Can I find merchants that accept Apple Pay or Google Pay near me?

    Yes! Use the search_places capability with GPS coordinates and set hasApplePay=true or hasGooglePay=true to filter for merchants with those payment capabilities. Returns detailed merchant information including names, addresses, MCC codes, and which digital wallets they accept. For example, searching near Times Square (40.7580, -73.9855) with hasApplePay=true will show all nearby Apple Pay-enabled merchants.

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