• RECOVERY
  • MONITORING
  • AUDIT
  • HUMAN

How to monitor and recover failed payments with your AI

Connect GoCardless to your AI client to automate the detection and retry of failed transactions.

Ask AI about this page

Short answer

How can I use AI to fix failed payments?

Your AI scans your transaction history to find failed payments and can immediately trigger new collection attempts. You get a clear view of what went wrong and a way to fix it. This breakdown shows you how it works.

Where every issue lands.

Payment recovery outcomes

The AI sorts your transaction data into these actionable categories.

RECOVERY

New collection attempts

The AI identifies failed charges and starts a new collection process. You get a list of successfully retried payments.

MONITORING

Real-time status checks

Your agent checks the current state of specific transactions. You get immediate updates on whether a payment is still pending or failed.

AUDIT

Transaction history logs

The AI pulls your full history to find patterns in failed payments. You get a clean record of all past activity.

HUMAN

Manual review required

If a payment fails repeatedly, the AI flags the customer for you. You decide if you need to step in or cancel the service.

The workflow

What your AI does when a payment fails.

The AI handles the repetitive work of checking statuses and retrying charges.

  1. Identify failures

    The AI reviews your recent activity to find unsuccessful transactions.

    list_payment_history

  2. Verify status

    It checks the exact state of a specific transaction to confirm the failure.

    get_payment_status

  3. Retry collection

    Once a failure is confirmed, the AI attempts to collect the funds again.

    collect_payment

  4. Flag issues

    The AI summarizes failed attempts and identifies which customers need you to step in.

    list_payment_history

Try it

Copy these to start.

Use these prompts to begin your recovery work.

Starting points

These are opening lines. Swap out the specific customer names or transaction IDs with your actual data.

GoCardless Connector

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

Connector linkhttps://edge.vinkius.com/vk_preview_GrfGxtbtRmwEWVwfKTgdnegX4TYVLUMUkehwNfJF/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 — GoCardless capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "gocardless-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_GrfGxtbtRmwEWVwfKTgdnegX4TYVLUMUkehwNfJF/mcp"
    }
  }
}
Copy into chat04

  • List my recent payment history from GoCardless and tell me which ones failed.

  • Check the status of the last payment for Acme Corp.

  • Find all failed payments from this morning and try to collect them again.

  • Summarize my payment history and flag any customers who have had more than two failed attempts.

  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Start here

Connect GoCardless once, then ask.

One link is all it takes. Your login stays encrypted on our side, and you can start managing payments immediately.

Connect GoCardless to your AI

FAQ

How this task behaves.

  • 01

    Can the AI change my GoCardless account settings?

    No. The AI only interacts with payment data and collection actions.

  • 02

    Will the AI automatically email my customers?

    No. The AI can trigger a payment collection, but it cannot send emails or messages.

  • 03

    Can I see the history of all my transactions?

    Yes, the AI can pull your full payment history to help you audit your accounts.

  • 04

    Does the AI decide when to stop retrying a payment?

    The AI follows your instructions. You tell it how many times to retry or when to stop.

  • 05

    Can the AI delete a payment record?

    No. There are no tools available to delete or modify existing payment records.

  • More questions about GoCardless? See everything the GoCardless Connector can do

Connect GoCardless to Claude, Cursor, ChatGPT & more