# Worldpay MCP

> Worldpay manages your entire global payment lifecycle directly through natural conversation. You can initiate new payments, process refunds for completed orders, securely generate reusable payment tokens from raw card data, and audit complex settlement batches—all without logging into a dashboard.

## Overview
- **Category:** money-moves
- **Price:** Free
- **Tags:** omnichannel-payments, refunds, transaction-processing, payment-tokens, settlements, financial-audit

## Description

Handling global payments used to mean switching between five different dashboards: one for order status, one for token management, another for settlements, and so on. Now, you connect your Worldpay account through Vinkius and talk to your AI agent like talking to a dedicated operations coordinator. Your agent handles the complexity of payment processing; simply tell it what needs doing. For instance, need to process a refund? Just ask. Want to check if your API connection is healthy or list all funds that settled last week? It pulls those details for you. You manage everything from payments and settlements to tokenization without ever manually navigating Worldpay's complex backend.

## Tools

### create_payment_order
Initiates a new payment order using provided token details, amount, and currency.

### create_reusable_token
Generates a secure, reusable payment token from raw sensitive card data.

### get_api_health
Checks the current operational status of your Worldpay API connection for quick troubleshooting.

### get_order_details
Retrieves full details for a specific payment order code when needed.

### get_settlement_details
Pulls granular, transaction-level breakdowns for any specified settlement batch.

### get_token_details
Retrieves metadata associated with a specific payment token ID.

### list_payment_settlements
Lists all funds that have been settled into your account over time.

### list_webhook_endpoints
Retrieves a list of every registered real-time notification endpoint for verification.

### refund_payment_order
Processes a refund against a previously completed payment order using the specified amount and order code.

## Prompt Examples

**Prompt:** 
```
Create a payment order for 50.00 GBP using token 'tok-123'.
```

**Response:** 
```
I've initiated the payment order for 50.00 GBP (5000 minor units) via Worldpay. Transaction successful! Your order code is 'ORD-XYZ-789'. Would you like me to pull the full receipt details?
```

**Prompt:** 
```
Refund 20.00 USD for order 'ORD-ABC-456'.
```

**Response:** 
```
Success! I've processed a refund of 20.00 USD (2000 minor units) for order ORD-ABC-456. The status has been updated in Worldpay and the customer will receive the funds according to their bank's policy.
```

**Prompt:** 
```
Show me my latest account settlements.
```

**Response:** 
```
I found 3 recent settlements: 1. ID: set-101 (Amount: 1,250.50 GBP, Date: 2026-03-28), 2. ID: set-102 (Amount: 890.00 GBP, Date: 2026-03-25), and 3. ID: set-103 (Amount: 2,100.00 GBP, Date: 2026-03-22). Which batch would you like to reconcile?
```

## Capabilities

### Process new payment orders
Create immediate payment requests using secure tokens, providing real-time status updates on the transaction.

### Manage refunds and credits
Issue partial or full refunds for payments that already went through, handling the necessary reversals instantly.

### Securely store customer card data
Generate reusable payment tokens from sensitive card information so you never have to handle raw details again.

### Audit and track fund settlements
List all funds that have been settled into your account, giving granular breakdowns of every transaction batch.

### Verify system status
Check the operational health of your Worldpay API connection and verify webhook endpoints for reliable data delivery.

## Use Cases

### The Support Agent needs a refund.
A customer calls about an overcharged order. The agent doesn't have time to log in, find the original ID, and manually initiate a credit. Instead, they ask their AI client to run `refund_payment_order` for the amount and order code, resolving the issue instantly via chat.

### The Finance team needs reconciliation.
It's quarter-end, and the analyst needs proof of all incoming funds. Instead of downloading multiple settlement reports, they prompt the agent to `list_payment_settlements` and then ask for detailed breakdowns using `get_settlement_details`, giving them a comprehensive audit trail.

### The Developer is testing tokens.
A developer needs to mock payment data. They use the MCP to run `create_reusable_token` with test card details, getting a secure token they can immediately use in code for further development and testing.

### The E-commerce team checks connectivity.
After an outage, the tech lead needs to know if Worldpay is back online. They prompt the MCP with `get_api_health` right away, getting a definitive status check without waiting for manual confirmations.

## Benefits

- Process payments immediately. Instead of logging into a dashboard to create an order, you just tell your agent to `create_payment_order` with the token and amount, and it runs the transaction.
- Handle refunds quickly. If a customer needs a credit, use `refund_payment_order`. Your agent handles the logic for partial or full reversals in one step, saving time compared to manual forms.
- Secure your data forever. Never worry about handling raw card numbers again; simply ask the MCP to `create_reusable_token` and store that secure token instead.
- Reconcile faster than ever. Instead of clicking through pages to see how much money has arrived, you can run `list_payment_settlements` to get a full overview of your funds.
- Troubleshoot instantly. Use `get_api_health` or `list_webhook_endpoints` to verify if the payment gateway is working and if notifications are configured correctly—no guesswork required.

## How It Works

The bottom line is that instead of navigating complex banking portals, you talk to your AI client and it performs the necessary financial actions on Worldpay's behalf.

1. Subscribe to this MCP and provide your unique Worldpay Service Key.
2. Connect your preferred AI client, like Cursor or Claude, through Vinkius.
3. Use natural language commands; the agent handles calling tools like `create_payment_order` or listing settlements for you.

## Frequently Asked Questions

**How do I start processing payments with Worldpay MCP?**
You must first subscribe to this MCP and provide your Worldpay Service Key. Once connected, you simply ask the agent to use `create_payment_order` along with a valid token and amount.

**Can I handle refunds using the Worldpay MCP?**
Yes. You can process refunds instantly by telling your agent to run the `refund_payment_order` tool, specifying both the order code and the exact refund amount.

**What is the difference between listing settlements and getting settlement details in Worldpay MCP?**
Using `list_payment_settlements` gives you an overview of all settled batches. If you need to audit a specific batch, use `get_settlement_details` for granular transaction breakdowns.

**How does the Worldpay MCP help me with security?**
It helps by allowing you to generate reusable payment tokens using `create_reusable_token`. This means your application only stores secure tokens instead of sensitive card numbers.