UnionPay Open Platform MCP for AI. Process global payments & handle card tokenization.

Q: How do I use UnionPay Open Platform to check card risk?

Call checkcardriskstatus. This tool queries the network and returns whether the provided card number is flagged for fraud or if it's operating normally. It’s a simple, proactive step you should take early in any payment flow.

Q: What tools does UnionPay Open Platform use for recurring payments?

The requestcardtoken tool is what you need. It takes raw card details and converts them into a safe Token ID. You then save this Token ID and pass it back to the agent when running future charges.

Q: Can I generate QR codes using UnionPay Open Platform?

Yes, use generateqrcode. This tool creates a C2B (Customer-to-Business) unified QR code payload and URL. You can then immediately display this to the customer for payment.

Q: How do I validate user identity with UnionPay Open Platform?

You run verifycardkyc. This tool takes three pieces of information—the Card Number, ID, and Phone Number—and checks them together against the bank's system for a full KYC validation.

Claude

ChatGPT

Cursor

Gemini

Windsurf

VS Code

JetBrains

Vercel

See Vinkius in Action

Works with every AI agent you already use

…and any MCP-compatible client

Connect to your AI in seconds.

UnionPay Open Platform handles global payments by integrating UnionPay's card network directly into your AI workflow. Use it to verify user identities, securely tokenize bank cards for recurring billing, and generate functional QR payment codes instantly.

It manages everything from initial KYC checks to final online checkout sessions.

What your AI can do

Cancel card token

Unlinks or invalidates a previously saved UnionPay card token ID, preventing future use of that token.

Check card risk status

Queries the network to determine if a specific card number is flagged for potential fraud or high risk.

Generate qr code

Creates a new UnionPay QR Code payload and URL needed for customers to complete a payment.

+ 4 more capabilities included

Validate user identity (KYC)

Verifies if a cardholder is legitimate by checking their ID, phone number, and card against the bank's records.

Generate payment QR codes

Creates unique Customer-to-Business (C2B) QR codes for immediate payment transactions.

Initiate secure online checkout

Starts the necessary session to process a full, verifiable card transaction over the internet.

Securely save card details (Tokenization)

Converts sensitive raw card numbers into non-sensitive Token IDs for later use in subscriptions or billing cycles.

Check transaction status

Queries the network to determine if a generated QR code payment actually went through and cleared successfully.

Ask an AI about this

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AI Agent

UnionPay Open Platform MCP Server: 7 Payment & Tokenization Tools

Use these seven specialized tools to manage the entire payment lifecycle—from identity verification to final transaction status checks.

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 UnionPay Open Platform on Vinkius

Cancel Card Token

Unlinks or invalidates a previously saved UnionPay card token ID, preventing future use of that token.

Check Card Risk Status

Queries the network to determine if a specific card number is flagged for potential...

Generate Qr Code

Creates a new UnionPay QR Code payload and URL needed for customers to complete a...

Get Qr Transaction Status

Checks the final status of a specific QR code transaction, confirming if funds were...

Init Secure Payment

Starts an online payment checkout session, collecting necessary data to process a...

Request Card Token

Takes raw card details and converts them into a secure Token ID suitable for saving for later billing cycles.

Verify Card Kyc

Runs a Know Your Customer (KYC) verification by cross-referencing the provided Card Number, ID, and Phone Number against UnionPay records.

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.

Claude AI

Open Claude Settings

Go to claude.ai, click your profile icon, then navigate to Customize → Connectors.

Add Custom Connector

Click the "+" button and select Add custom connector. Paste your Vinkius endpoint URL:

https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp

Replace [YOUR_TOKEN_HERE] with your token from cloud.vinkius.com. For OAuth-protected servers, expand Advanced settings to add credentials.

Start a conversation

Open a new chat. The UnionPay Open Platform integration is available immediately — no restart needed.

Antigravity

Configure Agent Environment

Open your Antigravity agent's workspace configuration or mcp-servers.json file.

Bind the Endpoint

Add the Vinkius endpoint URL to your agent's MCP connections list:

"mcp_servers": {
  "unionpay-open-platform": {
    "serverUrl": "https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp"
  }
}

Provide your secure token in place of [YOUR_TOKEN_HERE] to ensure your agent requests are authenticated.

Execute

Start your Antigravity session. The agent will autonomously discover and utilize the UnionPay Open Platform tools with full Vinkius guardrails applied.

VS Code Copilot

⚡

One-Click Install (Recommended)

In your Vinkius Dashboard, simply click the Add to VS Code button for this server. We'll automatically configure your local workspace.

Or configure manually

Open MCP Settings

Open VS Code, press Ctrl/Cmd + Shift + P, and search for GitHub Copilot: MCP Servers.

Add Server Config

Add the Vinkius endpoint configuration to your mcp-servers.json file:

"unionpay-open-platform": {
  "url": "https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp"
}

Ensure you replace [YOUR_TOKEN_HERE] with your token from cloud.vinkius.com.

LangChain

Install Dependencies

Install the LangChain MCP adapters for your environment:

pip install langchain-mcp-adapters

Connect the Server

Use the SSEClient in LangChain to connect to the Vinkius managed endpoint:

from langchain_mcp_adapters.client import SSEClient

# Connect to Vinkius
client = SSEClient(url="https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp")
tools = client.get_tools()

CrewAI

Define the Tool

Load the Vinkius MCP tools into your CrewAI agents:

from crewai import Agent
from mcp_crewai import MCPTool

# Connect securely to Vinkius
vinkius_tools = MCPTool(url="https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp")

# Assign to Agent
researcher = Agent(
    role='Data Researcher',
    tools=vinkius_tools.get_all()
)

Execute Task

Run your CrewAI process. The agent will autonomously route tasks to the Vinkius managed server.

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

Start building

Make Your AI Do More

Start with UnionPay 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 UnionPay Open Platform. 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.

VINKIUS INFRASTRUCTURE

Cloud Hosted

Managed infra

V8 Isolated

Sandboxed per request

Zero-Trust Proxy

No stored credentials

DLP Enforced

Policy on every call

GDPR Compliant

EU data residency

Token Compression

~60% cost reduction

Your data is protected. See how we built it.

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 7 powerful capabilities that interface natively with Claude, ChatGPT, Cursor, and other compatible AI platforms. No middleware. No custom integration required.

Checking a customer's payment status can be a total headache.

Right now, when an order goes out via QR code, you usually have to wait for bank confirmations or manually check multiple dashboards. If the payment fails or gets stuck in limbo, you waste time emailing support and chasing down transaction IDs across different systems.

With this MCP server, you just call `get_qr_transaction_status`. Your agent runs the tool, checks the status immediately, and tells you if the funds cleared, failed, or are pending. It cuts out all the manual checking.

UnionPay Open Platform: Manage payments in your chat window.

Before this tool, setting up a secure checkout involved writing complex backend code to handle card data and risk checks—a process that required multiple microservices just to validate identity. You were blocked by the complexity of global payment compliance.

Now, you run `verify_card_kyc` or `init_secure_payment` directly in your LLM prompt. The agent handles the entire security protocol for you. It's pure API calls, no boilerplate code needed.

Support 24/7 support@vinkius.com ↗

Security Vinkius Trust Center ↗

SLA Service Level Agreement ↗

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What your AI can actually do with this

You gotta run global payments through UnionPay, right? This platform lets your AI client handle everything from verifying who a user is to processing recurring charges and generating payment codes. It's basically running a full financial pipeline straight out of your agent.

Verifying Identity and Risk Checks
When you need to validate a cardholder, start with the Know Your Customer (KYC) check. You use verify_card_kyc by feeding it the user’s Card Number, ID, and Phone Number; that runs a cross-reference against UnionPay records to confirm legitimacy. Before processing anything, you should always check if the card is flagged for trouble; run check_card_risk_status on any number to see if the network has flagged potential fraud or high risk.

Handling Payments: QR Codes and Online Checkout
For immediate payments, you’ll generate a payment QR code payload and URL using generate_qr_code. This creates that unique Customer-to-Business (C2B) code for quick transactions. Once the time comes to see if that code actually went through, check the final status with get_qr_transaction_status; this tells you if funds cleared or if the transaction failed.

If you're doing a full checkout over the internet—the kind of thing where you need to process everything securely—you use init_secure_payment. This starts the whole online session, gathering all necessary data so your agent can complete the card transaction safely.

Tokenizing and Managing Card Data
If you gotta save a customer's card details for later billing cycles or subscriptions, you don't want to store raw numbers. You run request_card_token on the sensitive card data; it converts those raw digits into a secure Token ID that you can use again without risk.

If you ever need to pull back a saved token—maybe the customer changed their bank—you gotta invalidate it by calling cancel_card_token. That action unlinks or invalidates the previously saved UnionPay card token ID, making sure nobody uses it anymore.

Built · Hosted · Managed by Vinkius UnionPay Open Platform - Global Payment Tools

Server ID 019d8495-5d1b-72aa-aa93-3f341371c2da

Vinkius Inspector

Compliance Grade A+

Score 100/100

Report View Report ↗

Here's how it actually works

The bottom line is: it lets your AI client handle the full lifecycle of global payments without needing dedicated, hard-coded SDKs in your application.

First, subscribe to the UnionPay Open Platform server on Vinkius.

Next, input your required App ID and App Secret credentials from the developer portal into the agent's environment variables.

Finally, you can start calling tools—like verify_card_kyc or generate_qr_code—directly within your LLM prompt to execute complex payment flows.

Who is this actually for?

This server is for any developer or operations team handling global finance. Think billing managers who are tired of setting up complex webhooks just to manage recurring payments. Or cross-border developers struggling with different local payment requirements—it centralizes the complexity.

Fintech Developer

Builds core payment features, using tools like request_card_token and init_secure_payment to manage the entire checkout flow.

Operations Manager

Needs to generate invoices or receipts instantly. They use generate_qr_code to send dynamic, scannable payment instructions directly in a chat interface.

Billing Specialist

Handles subscriptions and recurring billing by using the tokenization features (request_card_token) to safely store card data for future charges.

What Changes When You Connect

Full KYC Validation: Use verify_card_kyc to validate user identity upfront. This stops fraud attempts before they even reach the payment gateway, saving you time and money.

Reliable Recurring Billing: Instead of storing raw data (which is a huge liability), use request_card_token to get a secure Token ID for billing cycles that happen months later.

Instant Payment Generation: Need to send an invoice? Running generate_qr_code creates the necessary C2B QR code payload immediately, which you can drop into any chat message or email.

Payment Status Tracking: Don't wait and wonder. Call get_qr_transaction_status after generating a code to confirm if the customer actually scanned it and paid.

Risk Mitigation: Before processing anything, run check_card_risk_status. This simple check helps flag potentially high-risk cards, letting you decline transactions proactively.

See it in action

01 01

Onboarding a new subscription user

A user signs up for premium access. The agent runs verify_card_kyc first to validate the identity. Then, it calls request_card_token using the card details provided. This secures the Token ID needed later when the monthly billing cycle hits, without ever having to store the raw card number.

02 02

Processing a physical point-of-sale payment

A store manager needs to take money from a customer in person. The agent calls generate_qr_code with the order total (say, 500 CNY). It returns the QR code payload, which the manager can immediately display on screen for the customer to scan.

03 03

Handling an online checkout flow

A user is checking out on a website. The agent initiates the process by calling init_secure_payment. This single call handles the full session setup, making sure all necessary security checks are in place before the card details are even processed.

04 04

Cleaning up old billing data

A customer cancels a service and needs to stop recurring charges. The agent uses cancel_card_token with the associated Token ID, making sure all future automatic payments fail gracefully.

The honest tradeoffs

Assuming payment success

Anti-pattern

The developer assumes that calling init_secure_payment means money was collected. They build the next step of the workflow based on this assumption, only to find out hours later the transaction failed.

The Fix

Always follow up a successful init_secure_payment call or generate_qr_code with a check using get_qr_transaction_status. This confirms the funds actually cleared before moving forward.

Skipping KYC checks

Anti-pattern

The agent skips running any validation and jumps straight to processing payments, which risks accepting fraudulent or high-risk transactions.

The Fix

Mandate that your workflow always starts with verify_card_kyc. This ensures the user's identity is validated first, minimizing risk exposure.

Trying to process payment without a token

Anti-pattern

The system needs to charge a customer next month but only has the raw card number. It tries to use that number directly in the billing tool and fails because it's not secure.

The Fix

First, capture the details using request_card_token to get a safe Token ID. Use this Token ID for all future payment calls.

Questions you might have

How do I use UnionPay Open Platform to check card risk? +

Call check_card_risk_status. This tool queries the network and returns whether the provided card number is flagged for fraud or if it's operating normally. It’s a simple, proactive step you should take early in any payment flow.

What tools does UnionPay Open Platform use for recurring payments? +

The request_card_token tool is what you need. It takes raw card details and converts them into a safe Token ID. You then save this Token ID and pass it back to the agent when running future charges.

Can I generate QR codes using UnionPay Open Platform? +

Yes, use generate_qr_code. This tool creates a C2B (Customer-to-Business) unified QR code payload and URL. You can then immediately display this to the customer for payment.

How do I validate user identity with UnionPay Open Platform? +

You run verify_card_kyc. This tool takes three pieces of information—the Card Number, ID, and Phone Number—and checks them together against the bank's system for a full KYC validation.

What is the purpose of the `init_secure_payment` function in the UnionPay Open Platform? +

It initializes a secure checkout session for online payments. You use this tool to generate a temporary payment gateway ID or link, which you must pass before collecting card details and completing the transaction.

After generating a code, how does UnionPay Open Platform track the success status using `get_qr_transaction_status`? +

This tool allows you to query the real-time outcome of any QR transaction. You get immediate feedback on whether the payment succeeded, failed, or if it's still pending confirmation.

When I use UnionPay Open Platform for card tokenization via `request_card_token`, what happens to my sensitive data? +

The tool converts raw card numbers into a safe Token ID. You can store this reusable token instead of the actual card details, allowing you to bill the customer later without handling sensitive information.

If I need to revoke payment access, how does the UnionPay Open Platform's `cancel_card_token` tool work? +

The function safely unlinks an existing card token from your system. Once you run this, any future attempt to process a charge using that specific token will fail immediately.

How do I get an App ID? +

You must register a developer account on the UnionPay International Developer portal. Once your business is verified, you can create an app to obtain credentials.

Does KYC card checking cost money? +

Yes, depending on your contract with UnionPay, calls to identity verification and risk assessment endpoints may incur minor micro-transaction fees per successful hit.

Can I use RSA Certificates instead of App Secret? +

This MCP wrapper abstracts away the complex RSA .pfx certificate signing by requiring standard API Key interaction, which is securely transformed in the agent execution runtime.

Connect to your AI in seconds.

Cancel card token

Check card risk status

Generate qr code

UnionPay Open Platform MCP Server: 7 Payment & Tokenization Tools

Make your AI actually useful.

Cancel Card Token

Check Card Risk Status

Generate Qr Code

Get Qr Transaction Status

Init Secure Payment

Request Card Token

Verify Card Kyc

Security and governance baked right in.

Claude AI

Open Claude Settings

Add Custom Connector

Start a conversation

Claude Code

Open your terminal

Add the MCP Server

Start coding

Cursor

One-Click Install (Recommended)

Open Cursor Settings

Add New Server

Use in Composer

Antigravity

Configure Agent Environment

Bind the Endpoint

Execute

VS Code Copilot

One-Click Install (Recommended)

Open MCP Settings

Add Server Config

Windsurf

One-Click Install (Recommended)

Open Windsurf Settings

Add Server Endpoint

LangChain

Install Dependencies

Connect the Server

CrewAI

Define the Tool

Execute Task

Choose How to Get Started

Build Your Own

Make Your AI Do More

Works with Claude, ChatGPT, Cursor, and more

Checking a customer's payment status can be a total headache.

UnionPay Open Platform: Manage payments in your chat window.

What your AI can actually do with this

Here's how it actually works

Who is this actually for?

What Changes When You Connect

See it in action

Onboarding a new subscription user

Processing a physical point-of-sale payment

Handling an online checkout flow

Cleaning up old billing data

The honest tradeoffs

Assuming payment success

Skipping KYC checks

Trying to process payment without a token

When It Fits, When It Doesn't

Questions you might have