# Authorize.net MCP for AI Agents MCP > Authorize.net lets your AI agent manage every step of your e-commerce payment flow. You can process sales, initiate refunds on settled transactions, hold funds before shipping, and audit nightly batch settlements directly through conversation. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** payment-gateway, merchant-services, transaction-settlement, pci-compliance, cim-profiles, refund-management ## Description This MCP connects your Authorize.net gateway to any compatible AI client, letting you run complex financial logic without logging into a clunky merchant dashboard. Think of it as having an expert payment processor sitting right inside your chat window. You can manage the full payment lifecycle: instantly running 'Auth & Capture' for immediate sales, or using 'Auth Only' to hold funds temporarily while products ship. If a customer returns an item, you simply command a refund on previously settled transactions or void pending charges. It also lets you build and manage secure Customer Information Profiles (CIMs), linking card data without exposing raw account numbers. When it comes time for reconciliation, the MCP queries detailed records for single transaction IDs or maps out everything that's still unsettled before batch processing runs. By connecting this Authorize.net connector through Vinkius, your AI agent handles daily financial anomalies and complex payment logic using nothing but pure dialogue. ## Tools ### add_payment_profile Attaches a new payment card to an existing customer record (CIM profile). ### auth_capture_transaction Performs the full process: authorizing funds and immediately capturing them in one go. ### auth_only_transaction Places a temporary hold on a credit card, reserving funds without completing the sale. ### prior_auth_capture Finalizes a previously authorized transaction by capturing the reserved funds. ### create_customer_profile Generates an isolated Customer Information Manager (CIM) profile for storing payment details securely. ### get_customer_profile Retrieves all stored details associated with a specific customer's CIM profile. ### get_transaction_details Fetches comprehensive details for any single transaction ID from the gateway. ### get_unsettled_transactions Lists all transactions that are currently pending and haven't been included in the nightly batch closure. ### refund_transaction Issues a refund for any transaction that has already successfully settled. ### void_transaction Cancels an unsettled payment charge before it can be included in batch processing. ## Prompt Examples **Prompt:** ``` What were all the transactions that didn't settle last night? ``` **Response:** ``` **Unsettled Batch Report** The system found 4 items waiting for closure. These need review before batch processing runs: * `91230`: $15.99 (Auth Only, pending void check) * `6001293`: $104.50 (Settled, but requires manual refund confirmation) * `719200`: $25.99 (Auth Capture, status: Settled Successfully) * `800045`: $5.00 (Pending Void Check) ``` **Prompt:** ``` Can you process a full refund for the order from yesterday? ``` **Response:** ``` **Refund Initiated** ✅ Success: The request to refund $129.99 for transaction ID `6001293` was processed successfully. The funds will be returned to the original payment method within standard banking intervals. Please note that this action is irreversible and final. ``` **Prompt:** ``` What happened with card ending in 4567? ``` **Response:** ``` **Customer Profile Lookup** * **Profile Status:** Active * **Last Card Used:** Visa ****4567 (Added on 2026-06-12) * **Recent Activity:** The last transaction was an Auth Capture for $89.00, which successfully settled yesterday. ``` ## Capabilities ### Run full sales cycles Execute immediate charges or place temporary holds on customer funds for later capture. ### Manage secure card records Build and retrieve Customer Information Profiles (CIMs) by securely adding payment cards to existing customer accounts. ### Process refunds and voids Issue refunds for charges already settled, or void pending transactions that need cancellation before batching. ### Audit transaction data Retrieve detailed information about any specific transaction ID or list all unsettled items waiting for nightly settlement. ## Use Cases ### Customer returns an item months later A customer initiates a return. Instead of manually finding and processing it in the dashboard, you ask your agent to 'Refund transaction 719200.' The MCP handles the necessary refund on the already settled charge. ### Checking why a credit card payment failed A sales engineer needs to know if a decline was due to an AVS mismatch or CVV error. You ask your agent to run `get_transaction_details` on the failure ID, getting precise compliance information instantly. ### Pre-shipping payment hold You need to reserve money for a large order but don't want to charge it yet. You tell your agent to run `auth_only_transaction`, placing the temporary hold, which you can later finalize with `prior_auth_capture`. ### End-of-day reconciliation Before closing the books, you ask the agent to 'List all unsettled transactions.' The MCP immediately retrieves a list of pending items that need to be voided or processed for batching. ## Benefits - Execute complex payment logic conversationally: Use the `auth_capture_transaction` tool to process real funds instantly or use `auth_only_transaction` just to hold money before shipping. - Secure customer data management: Create a new profile using `create_customer_profile`, then attach cards safely with `add_payment_profile` without handling raw, exposed PANs. - Handle post-sale changes easily: Quickly refund settled sales via `refund_transaction` or cancel pending charges before they finalize with `void_transaction`. - Deep auditing capabilities: Get full visibility by running `get_transaction_details` on any ID or using `get_unsettled_transactions` to prepare for batch closure. - Streamline the payment process: The MCP lets your AI agent manage daily financial anomalies, eliminating the need to click through multiple web forms. ## How It Works The bottom line is, you use conversational commands within your AI client to execute payment functions that normally require logging into the Authorize.net web portal. 1. Subscribe to this MCP and provide your Authorize.net Login ID, Transaction Key, and necessary environment mappings. 2. Connect the MCP within your preferred AI client (Claude, Cursor, etc.). 3. Directly ask your agent to perform a task, such as 'Refund transaction 719200' or 'List unsettled items for today'. ## Frequently Asked Questions **How can I manage refunds using the Authorize.net MCP?** You simply tell your agent to refund a specific transaction ID, providing the amount and original card details. The MCP handles communicating with Authorize.net to finalize the money transfer back to the customer's card. **Does this MCP help me track unsettled payments?** Yes, you can ask your agent for a list of all transactions that are currently pending batching. This gives you a systematic view of everything that needs reconciliation before the day closes. **Can I save payment details securely with this MCP?** Absolutely. You use the tools to create dedicated Customer Information Profiles (CIMs). The MCP handles linking sensitive card data to isolated, compliant profiles without you handling raw numbers. **How do I authorize funds without charging them yet?** You direct your agent to perform an 'Auth Only' transaction. This places a temporary hold on the money, allowing you time to ship goods before running the final capture command.