• PAYOUTS
  • REFUNDS
  • PAYMENTS
  • HUMAN

How to automate customer payouts and refunds with your AI

Connect TrueLayer once. After that, you can manage money transfers and reversals using plain English in your chat.

Ask AI about this page

Short answer

How can I automate payouts and refunds using AI?

You tell your AI what to do, and it uses TrueLayer to execute the transaction. This lets you handle money movements through a simple chat interface. Here is how the logic works.

The outcomes.

Where your commands land.

The AI maps your text to specific financial operations.

PAYOUTS

Money sent out

The AI identifies the recipient and amount from your chat to send funds to a beneficiary.

REFUNDS

Money returned

When a customer needs a reversal, the AI processes the refund through the connected account.

PAYMENTS

Money collected

You can instruct your agent to pull payments from a customer to settle an invoice.

HUMAN

Manual control

The AI cannot access your bank login or change your account settings. You keep full control of your credentials.

The workflow

What your AI does when <the thing arrives>.

The AI translates your natural language into API calls.

  1. Identify the intent

    Your agent reads your message to extract the amount, the recipient, and the type of transaction.

    create_payout

  2. Execute payouts

    The AI sends the money to the beneficiary you specified in your chat.

    create_payout

  3. Process refunds

    If you mention a reversal, the AI triggers the return of funds to the customer.

    create_refund

  4. Initiate payments

    The agent can also request funds from a customer to complete a payment.

    create_payment

Try it

Copy these to start.

Use these lines to test your connection.

Starting points

Swap out the names and amounts for the actual data in your CRM or spreadsheet.

TrueLayer Connector

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

Connector linkhttps://edge.vinkius.com/vk_preview_1YhJE4ahPsS7lpao5toWRZlTwf4P7zaYyBUvXpyJ/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 — TrueLayer capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "truelayer-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_1YhJE4ahPsS7lpao5toWRZlTwf4P7zaYyBUvXpyJ/mcp"
    }
  }
}
Copy into chat04

  • Send a 50 GBP payout to the beneficiary in my customer list.

  • Refund the last payment made by the user in this Slack thread.

  • Create a payment for 120 USD from the contact in my spreadsheet.

  • Process a refund for the transaction mentioned in this email.

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

Start here

Connect TrueLayer once, then ask.

Link your account once and your credentials stay encrypted. You can then start using the tools in any compatible client.

Connect TrueLayer to your AI

FAQ

How this task behaves.

  • 01

    Can the AI decide to refund more money than I asked?

    No. The AI only executes the specific amount you provide in your command.

  • 02

    Does the AI have my bank password?

    No. TrueLayer manages the connection, so your login details are never seen by the AI.

  • 03

    Can the AI see my full transaction history?

    No. The tools provided are only for creating payouts, refunds, and payments.

  • 04

    Can I use this to delete a bank account?

    No. There are no tools available to delete or modify account settings.

  • 05

    Can the AI move money between my own internal accounts?

    No. The tools are limited to payouts to beneficiaries, refunds, and customer payments.

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

Connect TrueLayer to Claude, Cursor, ChatGPT & more