Alipay Open Platform MCP for AI. Manage full B2C payment and fund cycles.
Works with every AI agent you already use
…and any MCP-compatible client








Connect to your AI in seconds.
Alipay Open Platform connects your AI agent directly into Alipay's payment ecosystem. It lets you programmatically create trades, process refunds, execute fund transfers, and download detailed settlement bills.
You manage the full B2C payments lifecycle—from initial order to final ledger reconciliation—all through a single MCP connection.
What your AI can do
Cancel trade
Cancels an existing trade transaction, effectively rolling it back.
Close trade
Finalizes a specific Alipay trade that was created but remains unpaid.
Create trade
Initializes and creates a new payment order or transaction within the system.
Create new transactions or close existing unpaid trade orders.
Send funds to a user's Alipay account and verify the transfer status.
Execute partial or full refunds on completed transactions, logging the reason for the reversal.
Query the status of a trade, fund transfer, or user account information.
Download daily settlement reports and structured accounting exports for ledger matching.
Ask an AI about this
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Alipay Open Platform: 10 Tools
These tools give your agent direct operational control over every aspect of the Alipay financial ecosystem.
Make your AI actually useful.
Add this MCP to Claude, Cursor, or Windsurf and your AI stops guessing. It gets real tools to look things up, take action, and handle the stuff you keep doing by hand.
Start using Alipay Open Platform on VinkiusCancel Trade
Cancels an existing trade transaction, effectively rolling it back.
Close Trade
Finalizes a specific Alipay trade that was created but remains unpaid.
Create Trade
Initializes and creates a new payment order or transaction within the system.
Get Oauth Token
Exchanges an authorization code to retrieve necessary access tokens for user data.
Query Bill Download Url
Retrieves the specific URL needed to download structured accounting bill summaries.
Query Trade
Checks and reports on the current status of any given Alipay trade order.
Query Transfer
Retrieves the current status of a fund transfer sent to a user's account.
Query User Info
Accesses and reports verified customer profile information for authorized users.
Refund Trade
Processes a refund, reversing funds on a specific Alipay transaction ID.
Transfer Fund
Sends physical money or payouts to another designated Alipay user account.
Security and governance baked right in.
Pick your AI client below to get set up. Just create a Vinkius account, subscribe, and you're instantly up and running. We handle the entire backend infrastructure, delivering out-of-the-box support for HTTPS Streamable, SSE, and OAuth2—zero messy routing required.
Choose How to Get Started
Build a custom MCP for your own tools, or connect a ready-made integration from our catalog.
Build Your Own
Turn any API into an MCP. Import a spec, define Agent Skills, or deploy with MCPFusion.
- Import from OpenAPI, Swagger, or YAML specs
- Create Agent Skills with progressive disclosure
- Deploy to edge with MCPFusion framework
- Built in DLP, auth, and compliance on every call
- Real time usage dashboard and cost metering
- Publish to catalog or keep private
Make Your AI Do More
Start with Alipay Open Platform, then connect any of our 5,100+ other servers whenever your AI needs more. One click, no limits.
- Use this MCP plus 5,100+ others, all in one place
- Add new capabilities to your AI anytime you want
- Every connection is secured and compliant automatically
- Track usage and costs across all your servers
- Works with Claude, ChatGPT, Cursor, and more
- New servers added to the catalog every week
Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by Alipay. All third-party trademarks, logos, and brand names are the property of their respective owners. Their use on this website is strictly for informational purposes to identify service compatibility and interoperability.
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Works with Claude, ChatGPT, Cursor, and more
The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.
This connection provides 10 powerful capabilities that interface natively with Claude, ChatGPT, Cursor, and other compatible AI platforms. No middleware. No custom integration required.
Handling Payment Reconciliation Feels Like a Second Job
Right now, running end-of-day reconciliation means downloading multiple files—the transaction log, the refund report, and the settlement bill. You then have to manually open Excel, copy data across sheets, and write formulas just to calculate gross revenue minus refunds versus the actual net amount received. It’s tedious clicking and endless cross-referencing.
With this MCP, your agent handles it automatically. Just ask for yesterday's bill download. The system pulls the structured accounting export, calculates the total successful trades, accounts for all processed refunds, and delivers a single, clear summary of the net settlement amount. It’s done in seconds.
Using Alipay Open Platform MCP For Fund Transfers
Previously, sending money required logging into a separate payment interface and manually confirming account IDs and transfer amounts. If the funds failed to arrive or the status wasn't updated in the main system, you had no immediate way to verify it.
Now, your agent runs `transfer_fund` to dispatch the payout. Then, it uses `query_transfer` immediately after to get the real-time status and confirmation ID. You confirm payment completion within the same chat window.
What your AI can actually do with this
You can treat your AI agent like a financial operations specialist with direct access to Alipay's massive payment infrastructure. This MCP handles the entire transaction workflow, letting you create new orders and manage their complete lifecycle. Need to correct an amount? You process full or partial refunds, tracking reasons and settlement status automatically.
For money movement, you dispatch B2C payouts to individual accounts while verifying that transfers actually completed. When it's time for accounting, you download structured daily transaction summaries to reconcile your billing ledgers without leaving the chat window. This gives your agent a complete view of payments, refunds, funds, and billing data, making reconciliation effortless.
You connect everything through Vinkius, giving your AI client instant access to this complex payment backend.
019d8414-6ca4-73f6-9ee5-7ba51bf66ed4 Here's how it actually works
The bottom line is that you never have to worry about API signature generation or manual data formatting again.
Register as a developer on the Alipay Open Platform to get your initial access credentials.
Create an application within the platform to obtain a unique App ID, and generate/upload the required RSA2 key pair.
Your AI agent signs all requests automatically. It sends commands through this MCP, which handles cryptographic signing, dispatching, and parsing every Alipay interaction.
Who is this actually for?
Financial Controllers who spend hours cross-referencing bank statements with internal ledgers. E-commerce Operations teams that need instant, reliable refunds and order creation across platforms. Growth Engineers building payment flows into conversational bots.
Pulling daily settlement bills to reconcile the company's accounts automatically, flagging any discrepancies before a human even reviews them.
Creating and managing refunds or canceling trades for customer service requests without switching between multiple dashboard systems.
Integrating Alipay payment flows into a chatbot so users can complete payments frictionlessly during a conversation.
What Changes When You Connect
Execute refunds instantly. You can process partial or full reversals using refund_trade, automatically tracking the reason for every change.
Automate bookkeeping. Use query_bill_download_url to pull daily settlement reports, giving you structured data ready for automated ledger reconciliation.
Control transactions end-to-end. You manage the entire payment lifecycle by first using create_trade, then querying its status with query_trade, and finally closing it with close_trade when paid.
Verify payouts accurately. If you send money, use transfer_fund to dispatch funds, followed immediately by query_transfer to confirm the payment actually arrived in the recipient's account.
Secure user access. You retrieve necessary customer details using get_oauth_token and then query specific profiles with query_user_info, keeping data exchange secure.
See it in action
Handling a Customer Return
A customer reports a defective product. Instead of emailing finance, you ask your agent to refund the money and provide details: 'Refund order AP2024041200987 for 50 CNY due to damaged goods.' The MCP executes refund_trade, confirming the amount and ID immediately.
Daily Financial Closing
It's end-of-day. You instruct your agent: 'Download yesterday’s settlement bill, and summarize gross revenue versus total refunds.' The MCP uses query_bill_download_url to pull the data and instantly calculates the net figure for review.
Processing a Subscription Payment
A user signs up for premium access. You command your agent to 'Create a new Alipay trade for 99 CNY.' The MCP uses create_trade, generating an order ID and payment link that the client can immediately use.
Investigating a Failed Transfer
A payout was supposed to go out, but the recipient hasn't confirmed it. You ask: 'Check the status of fund transfer AP20240413X987.' The MCP uses query_transfer to get real-time confirmation on whether the money successfully left your account.
The honest tradeoffs
Using Alipay only for status checks
Just asking 'What is the trade status?' and getting a simple string response. You miss out on actionable follow-up steps like cancellation or refunding.
Always pair a query with an action plan. If query_trade shows a pending payment, immediately ask your agent to either cancel_trade if it failed, or tell you the exact details needed for a refund_trade.
Manually calculating ledgers
Downloading the raw CSV from Alipay and spending hours manually summing up gross revenue, refunds, and net payments in Excel.
Use query_bill_download_url to pull the structured data. Your agent processes this export right away, giving you a summary of total revenue minus refunds instantly.
Ignoring required keys
Attempting to process a refund or transfer without having first secured the necessary OAuth tokens.
Always start by running get_oauth_token to ensure your agent has fresh, valid credentials before attempting any transaction using tools like refund_trade or transfer_fund.
When It Fits, When It Doesn't
Use this MCP if your core business process revolves around managing the full financial lifecycle of B2C payments—meaning you need to create orders, check their status frequently, and handle reversals. It's mandatory if daily reconciliation requires pulling structured billing data or executing reliable fund transfers.
Don't use it if you only need to read simple, non-financial user profile information; for that, a simpler identity service might suffice. Also, if your payments are entirely handled through an external payment processor (like PayPal) and never touch Alipay rails, this MCP won't help. This is specifically for the complex workflow of managing money on the Alipay platform.
Questions you might have
How do I use create_trade with Alipay Open Platform MCP? +
You tell your agent what you need: 'Create a trade for $X amount.' The tool handles generating the unique order ID and setting up the payment link, letting you track it immediately using query_trade.
What is the difference between query_trade and close_trade in Alipay Open Platform MCP? +
query_trade only checks the status of a trade. You must use close_trade to finalize an order that was successfully paid through the system.
Can I query user info using get_oauth_token and Alipay Open Platform MCP? +
Yes, first you run get_oauth_token to secure the access credentials. Then, your agent can use that token to call query_user_info to pull verified customer details.
How do I get daily settlement reports with Alipay Open Platform MCP? +
You ask for the bill download URL using query_bill_download_url. The system provides a temporary link, which your agent can then use to pull and analyze the raw accounting data.
How do I use refund_trade to process an Alipay refund? +
You must provide the original trade ID and the specific amount for the refund. The MCP handles partial or full refunds automatically, allowing you to track the settlement status right away.
What's the sequence for transfer_fund and query_transfer in Alipay Open Platform MCP? +
First, use transfer_fund to send the money. Then, use query_transfer shortly after to check the status. This verifies if the payout completed successfully or if an exception occurred.
If a payment needs to be reversed, how does cancel_trade work in Alipay Open Platform MCP? +
The cancel_trade tool rolls back a transaction that was never settled. This is different from closing it; cancellation stops the process entirely before finalization.
What information can I get using query_user_info in Alipay Open Platform MCP? +
This function provides verified customer profiles for authorized users. It lets your agent securely access identity details without needing to expose raw credentials.
Do I need to generate RSA signatures manually for each API call? +
No! Simply provide your App Private Key in PKCS1 or PKCS8 format. The engine handles all RSA-SHA256 signing, timestamping, and parameter encoding under the hood automatically on every request — you never touch signature logic directly.
Can I process partial refunds specifying only a fraction of the original order amount? +
Yes! The refund_trade tool supports both full and partial refunds. Specify the original trade number, the refund amount, and a reason string. The engine will dispatch the correctly signed request and return the settlement confirmation with a unique refund ID for tracking.
Is there any risk of accidental payments or unauthorized fund transfers through this integration? +
Every transactional action requires explicit parameters — trade amounts, recipient accounts, and refund values must all be specified deliberately. The RSA2 signature layer ensures that no request can be forged or replayed. Additionally, all operations are scoped to your registered App ID and sandbox/production environment.
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