# GoCardless MCP > GoCardless manages direct debit payments and customer mandates for your business. Connect this MCP to automate recurring billing, track mandate status, initiate collections, and reconcile bank payouts instantly through natural conversation with any AI agent. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** direct-debit, recurring-payments, bank-transfers, mandate-management, fintech, payment-collection ## Description Need to handle billing cycles without manually checking dashboards? This MCP connects your GoCardless account directly to your preferred AI client, letting you manage all things related to direct debits. You can ask your agent to list every customer on file or check the legal status of a mandate before trying to collect money. It handles everything from listing active recurring plans to tracking which funds are currently en route back to your bank. This deep connection means you get immediate, conversational access to payment history and account details without ever leaving your main workspace. By connecting through Vinkius, you gain one central point of control for all your financial data, letting your agent do the heavy lifting. ## Tools ### verify_api_connection Checks the connection between your AI client and GoCardless. ### create_new_payment Starts a direct debit collection against an active mandate. ### get_account_details Retrieves metadata about your GoCardless merchant account identity. ### get_customer_details Fetches detailed profile and bank account information for a specific customer. ### get_mandate_status Checks the current status of an existing customer payment mandate. ### get_payment_details Gets detailed information regarding a specific transaction or payment record. ### list_payment_customers Lists all customers currently registered in your system. ### list_payment_mandates Retrieves a list of active payment mandates for auditing purposes. ### list_direct_debit_payments Lists all direct debit collections, including their status and amount. ### list_merchant_payouts Shows a complete list of funds being sent from GoCardless to your bank account. ### list_payment_refunds Lists all reversed payments or processed refunds for audit tracking. ### list_recurring_subscriptions Retrieves a list of active and inactive recurring payment plans. ## Prompt Examples **Prompt:** ``` List all my payments that are currently 'pending_submission'. ``` **Response:** ``` Retrieving payments... I found 5 payments pending submission, including a $50.00 collection for customer 'Acme Corp'. Would you like the full list? ``` **Prompt:** ``` Check the status of mandate 'MD12345'. ``` **Response:** ``` Fetching mandate... Mandate MD12345 is 'Active'. It was authorized by John Doe on October 1st and is valid for both one-off and recurring payments. ``` **Prompt:** ``` Show me the last 3 payouts sent to my bank account. ``` **Response:** ``` Retrieving payouts... I found 3 recent payouts: $1,250.00 (Oct 5th), $850.00 (Oct 2nd), and $2,100.00 (Sept 28th). All have been 'Paid' successfully. ``` ## Capabilities ### Check Customer and Account Details Retrieve specific customer profiles or get detailed metadata about your primary bank account. ### Manage Payment Mandates Confirm the validity of a mandate, ensuring you have legal authorization for any collection attempt. ### Initiate and Track Payments Programmatically start new direct debit collections or view the status (confirmed, failed) of existing payments. ### Monitor Financial Flow List all processed bank payouts, monitor refunds, or see which recurring subscription plans are active. ## Use Cases ### Processing Failed Payments in Bulk A billing ops lead notices several collections failed last week. They ask their agent, 'List all direct debit payments that failed and need follow-up.' The MCP uses `list_direct_debit_payments` to pull a clean list of exactly what needs attention, skipping the manual filtering process. ### Checking Mandate Validity Before Billing A sales manager onboarded a new client and needs to know if their billing mandate is ready. They ask the agent to 'Check the status of mandate XYZ.' The MCP uses `get_mandate_status` and confirms in real time that the mandate is active for both one-off and recurring use. ### Reconciling Quarterly Payouts The finance analyst needs to verify if the funds transferred last month are included. They ask their agent to 'Show me the three most recent payouts.' The MCP uses `list_merchant_payouts` and pulls the exact amounts and dates, making reconciliation immediate. ### Updating a Customer's Billing Details An account manager talks to their agent about a client whose bank details changed. They ask the agent to 'Get the customer details for Acme Corp.' The MCP uses `get_customer_details` and provides the latest, verified metadata needed for an update. ## Benefits - Verify mandates instantly: Instead of logging into the portal to check if a customer's legal mandate is still active, just ask your agent using `get_mandate_status`. You get an immediate 'yes' or 'no'. - Automated payment initiation: Don't waste time manually creating collections. Use `create_new_payment` to programmatically start debiting a customer against their mandate. - Full financial visibility: Need to know where your money is? Run `list_merchant_payouts` and get the last three payouts sent to your bank account without leaving your chat window. - Customer data at your fingertips: Stop searching through tabs. Use `list_payment_customers` or `get_customer_details` to pull up a customer’s history, mandate status, and contact info instantly. - Subscription health check: Get an instant view of predictable revenue by using `list_recurring_subscriptions`, which tells you exactly what plans are active or lapsed. - Audit trail complete: When reconciling accounts, simply run `list_payment_refunds` to get a clean list of all reversed payments for your audit file. ## How It Works The bottom line is you talk to your agent about money moves, and it handles the connection and data retrieval for you. 1. Subscribe to this MCP through the Vinkius Marketplace. 2. Provide your GoCardless Access Token, usually found in your developer settings. 3. Use your AI client's chat interface to ask questions like, 'List all failed payments from last week,' and receive real-time data. ## Frequently Asked Questions **How do I check if a customer mandate is active using the GoCardless MCP?** You use `get_mandate_status`. Simply ask your agent to 'Check the status of mandate XYZ.' The system retrieves and confirms whether the mandate is currently valid for collections. **What is the difference between listing payments and listing payouts with GoCardless MCP?** Listing direct debit payments (`list_direct_debit_payments`) shows individual transactions that *occurred*. Listing merchant payouts (`list_merchant_payouts`) shows funds leaving GoCardless and going to your bank account. **Can I use the GoCardless MCP to initiate a new payment?** Yes. You can use `create_new_payment` with your agent by providing the necessary mandate details. The agent handles triggering the collection request for you. **How does the GoCardless MCP help with recurring revenue plans?** You use `list_recurring_subscriptions` to get a full breakdown of all payment plans, showing both active and inactive subscriptions at a glance. **Does the GoCardless MCP handle refunds or just payments?** No, it handles both. You can use `list_payment_refunds` to pull a complete record of all reversed payments for your financial audit trail.