• RETRY
  • INVESTIGATE
  • MANUAL
  • CLEANUP

How to recover failed payments with your AI

Connect GoCardless to your agent to automate the detection and retry process for failed transactions.

Ask AI about this page

Short answer

How can I use my AI to fix failed payments?

Your agent uses GoCardless to check transaction statuses and pull customer info to resolve issues. Once you fix the problem, the AI triggers a new collection attempt. You'll see exactly what happened and who to contact.

Outcome tracking

Where every issue lands.

The AI categorizes failed payments into actionable buckets.

RETRY

Ready for collection

The AI finds transactions where the issue is fixed. It prepares them for a new collection attempt.

INVESTIGATE

Missing customer info

The AI flags transactions with incomplete details. You get the specific data needed to fix the profile.

MANUAL

Needs your eyes

The AI identifies complex failures that require a human to step in. These are flagged for your review.

CLEANUP

Resolved issues

The AI marks successful retries. You get a clean ledger of what was recovered.

The workflow

What your AI does when a payment fails.

The agent handles the heavy lifting of monitoring and data gathering.

  1. Identify failures

    The agent scans your GoCardless account to find any transactions that didn't go through.

    get_payment_status

  2. Gather details

    Once a failure is found, the agent pulls the relevant contact information for that specific user.

    get_customer_details

  3. Verify resolution

    The agent checks the status again to ensure the payment issue is actually cleared.

    get_payment_status

  4. Trigger retry

    After you confirm the issue is fixed, the agent initiates the new payment request.

    collect_payment

Try it

Copy these to start.

Use these prompts to kick off the recovery process.

Starting points

These are opening lines. Swap out the specific account names or dates to match 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

  • Check my GoCardless account for any failed payments from last week.

  • Find the customer details for the failed transaction with ID 12345.

  • List all failed payments that are ready to be retried.

  • Run a new collection for the customer associated with the failed payment from yesterday.

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

Start here

Connect GoCardless once, then ask.

You only need to link your account once. Your credentials stay encrypted, and you can immediately start asking your agent to manage your transactions.

Connect GoCardless to your AI

FAQ

How this task behaves

  • 01

    Can the AI automatically retry payments without me?

    No. The AI identifies the failures and prepares the retry, but you must trigger the final collection command.

  • 02

    Can the AI change my GoCardless bank settings?

    No. The AI only interacts with payment statuses, customer details, and collection triggers.

  • 03

    Does the AI see my full bank account login?

    No. Your login stays encrypted and is only used to facilitate the connection between the MCP and GoCardless.

  • 04

    Can the AI delete a failed transaction?

    No. The tools only allow for checking status, getting details, and collecting payments.

  • 05

    How does the AI know a payment is ready to retry?

    The agent uses the status tool to verify the transaction state before suggesting a new collection.

  • More questions about GoCardless? The Connector page answers them. See everything the GoCardless Connector can do

Connect GoCardless to Claude, Cursor, ChatGPT & more