# Afterpay MCP for AI Agents MCP

> Afterpay manages Buy Now, Pay Later transactions by giving your agent direct access to checkout, payments, and refunds. You can use this MCP to initiate secure payment sessions for customers, audit historical authorizations, track capture statuses, or process full/partial refunds directly from a chat interface.

## Overview
- **Category:** money-moves
- **Price:** Free
- **Tags:** buy-now-pay-later, checkout-sessions, refund-processing, payment-status, merchant-services, financial-transactions

## Description

This connector gives your AI client the ability to handle complex financial transactions related to Afterpay (Clearpay). Instead of logging into a merchant portal and clicking through multiple tabs, your agent manages the entire payment lifecycle conversationally. You can start by initiating new checkout sessions for customers, generating secure tokens on demand. When things are already happening, you can ask your agent to list all historical payments or check the detailed status of any specific order ID. Need to fix a billing issue? Your agent handles full or partial refunds immediately. All these capabilities—from checking minimum and maximum order limits to monitoring capture statuses—are routed through the Vinkius catalog, letting you manage everything without leaving your chat window.

## Tools

### get_afterpay_config
Retrieves the minimum and maximum transaction limits set on your Afterpay merchant account.

### create_checkout
Starts a secure payment session token for a customer's Buy Now, Pay Later purchase.

### list_payments
Gathers a list of all historical BNPL transactions and authorizations from your account.

### get_payment_details
Pulls detailed financial status, settlement information, and logs for one specific Afterpay order ID.

### refund_payment
Processes a full or partial refund to credit a customer against a previously captured payment.

## Prompt Examples

**Prompt:** 
```
I need to process a refund for order ID 89012. Can you check the details first?
```

**Response:** 
```
**Order Details: 89012**

*   **Status:** Captured (3/15/2024)
*   **Amount:** $199.99
*   **Refundable Balance:** Yes, full refund is available.

Please confirm if you'd like to process a partial or full credit.
```

**Prompt:** 
```
What are our current Afterpay limits? I'm planning a big sale.
```

**Response:** 
```
**Afterpay Merchant Configuration**

| Metric | Limit |
| :--- | :--- |
| Min Order Amount | $1.00 |
| Max Transaction Limit | $2,500.00 |

These limits apply to all US and Canada transactions.
```

**Prompt:** 
```
List payments for the last 3 weeks so I can audit our sales.
```

**Response:** 
```
**Historical Payments Summary**

*   Total Transactions Found: 45
*   Successful Captures (Last 7 Days): 28
*   Pending Authorizations: 17

Please specify if you want to filter by status or date range.
```

## Capabilities

### Initiate secure checkout sessions
Your agent creates a new payment session token for a customer transaction amount.

### Audit historical payments and authorizations
You retrieve comprehensive lists of past BNPL transactions, including authorization records and technical metadata.

### Retrieve detailed order financial status
The agent pulls full settlement information, payment statuses, and transaction logs for a specific Afterpay order ID.

### Execute refunds on captured orders
You initiate immediate full or partial refunds against previously authorized payments.

### Verify merchant configuration limits
The agent confirms the minimum and maximum transaction amount rules for your Afterpay account.

## Use Cases

### Investigating a disputed charge
A support specialist needs to check why a customer was charged incorrectly. They ask the agent to look up the order ID, using `get_payment_details`. The agent returns the exact settlement logs, allowing the specialist to confirm if the payment status is truly 'APPROVED' or pending.

### Running a flash sale with new limits
The e-commerce manager needs to know if their planned promotion amount exceeds current rules. They ask the agent for configuration details, calling `get_afterpay_config`, ensuring the transaction falls within established minimum and maximum order limits.

### Processing an urgent customer return
A team member processes a refund immediately after confirming the original capture. They ask the agent to run `refund_payment` for the specific order ID, completing the financial reversal in minutes instead of hours.

### Auditing quarterly transaction volume
The finance analyst needs a clean list of all payments made last month. They ask the agent to run `list_payments`, getting a secure summary of all historical BNPL transactions for immediate review and reporting.

## Benefits

- Stop manual dashboard exports. You can quickly identify successful captures or pending authorizations using the transaction insights capability.
- Handle refund processing instantly. Use the `refund_payment` tool to initiate partial or full credits directly through conversation.
- Monitor checkout health on the fly. Verify order limit configurations or check minimum/maximum limits with `get_afterpay_config` before launching a sale.
- Saves time in support tickets. Instead of guessing, you use the agent to retrieve detailed financial status and logs for any customer order ID.
- Streamlines payments. The `create_checkout` tool allows your agent to generate secure payment session tokens immediately when needed.

## How It Works

The bottom line is, you connect your Afterpay merchant account once, then use natural language to run complex payment operations through any MCP-compatible client.

1. First, subscribe to this MCP and enter your specific Afterpay Merchant ID and Secret Key into your AI client.
2. Next, tell your agent exactly what you need—for example, 'Check the status for order 12345' or 'Create a new checkout for $50'.
3. Your agent executes the necessary API calls using the provided credentials and returns real-time financial data or confirmation of the action taken.

## Frequently Asked Questions

**How does the Afterpay MCP help with refund processing?**
The Afterpay MCP allows your agent to handle refunds directly. You simply provide the order ID, and the tool verifies the remaining balance before initiating a full or partial credit on the customer's account.

**I need to know if I can create new checkout links using the Afterpay MCP?**
Yes, you can use the MCP to generate secure payment session tokens. Just tell your agent the amount, and it handles creating the necessary redirect URL for your customer.

**What kind of payments or transactions can I check with this MCP?**
You can audit all types of BNPL activity, including historical authorizations, detailed settlement information, and current payment statuses. It covers everything from initial checkout to final refund.

**Is there a way to check my Afterpay order limits before selling something?**
Absolutely. You use the MCP to retrieve your merchant configuration, confirming the minimum and maximum amounts allowed per transaction. This prevents failed payments due to policy violations.

**Does the Afterpay MCP work with different AI clients like Claude or Cursor?**
Yes. As long as your client supports the Model Context Protocol (MCP), you can connect it. You access all the payment tools through your preferred agent interface.