Integration · Payments

Connect Claude & ChatGPT to GoCardless

Ask your AI which Direct Debit payments failed this week, what a payout contained or whether a customer has an active mandate, and it reads the answer from GoCardless. It can create customers and billing requests, collect one-off payments, set up subscriptions and retry or refund payments, with your approval if you want it.

Connect GoCardless free

Free plan, no credit card. Takes about a minute.

Try asking

“Which payments failed this week?”
The AI lists payments with status failed in that date range, with customer and amount.
“Retry Oakfield Dental's failed payment on the 1st.”
It retries the payment with that charge date. The customer's bank account is debited again.
“Set up Direct Debit for our new client, Nordlys ApS.”
It creates a billing request for a mandate and a link to the hosted page, which you send to the customer to authorise.

What your AI can do

Customers and mandates

Search, create and update customers, check mandates and their next possible charge date, and start billing requests with a link the customer uses to authorise.

Payments and subscriptions

Collect one-off payments, retry failed ones, cancel pending ones, and create, update or cancel subscriptions.

Payouts and refunds

List payouts and the payments, refunds and fees in each one, and refund a payment.

“Charge Nordlys 2,500 DKK for the setup fee.”
It finds the customer's active mandate and creates a one-off payment. The amount is debited from their bank account.
“What was in last Friday's payout?”
It finds the payout and lists the payments, refunds and fees included in it.
“Cancel the subscription for Oakfield Dental.”
It finds the subscription and cancels it, so no further payments are created. This cannot be undone.

26 tools for GoCardless

These tools are switched on when you connect. You can switch any of them off, or require your approval before it runs.

cancel_paymentDeletesCancel a payment by `payment_id` that has not yet been submitted to the bank (status pending_submission). Cannot be undone.
cancel_subscriptionDeletesCancel a subscription by `subscription_id`; no further payments are created. Cannot be undone.
create_billing_requestChanges dataStart collecting a mandate and/or a one-off payment from a customer: pass `billing_requests` with mandate_request {scheme, currency} and/or payment_request {amount in pence/cents, currency, description}, plus links {customer} if known.
create_billing_request_linkChanges dataCreate a hosted page link for a billing request, which you send to the customer to authorise it: pass `billing_request_flows` {redirect_uri, links {billing_request}}. Returns authorisation_url.
create_customerChanges dataCreate a customer: pass `customers` {email, given_name, family_name or company_name, address_line1, city, postal_code, country_code}. To also collect a mandate, prefer create_billing_request.
create_paymentChanges dataCollect a one-off payment against an active mandate: pass `payments` {amount in pence/cents, currency, description, charge_date (optional), links {mandate}}. The customer's bank account is debited.
create_subscriptionChanges dataCreate a recurring subscription on an active mandate: pass `subscriptions` {amount in pence/cents, currency, name, interval_unit (weekly, monthly, yearly), day_of_month, links {mandate}}. The customer is charged automatically.
get_billing_requestGet one billing request by `billing_request_id` (BRQ...), with its status and the resulting mandate/payment.
get_creditorList your creditor account(s) in GoCardless (your business as the party collecting payments), with name and scheme identifiers.
get_customerGet one customer by `customer_id` (CU...), with name, email and address.
get_mandateGet one mandate by `mandate_id` (MD...), with status, scheme and next possible charge date.
get_paymentGet one payment by `payment_id` (PM...), with amount, charge date, status and payout.
get_payoutGet one payout by `payout_id` (PO...), with amount, fees and arrival date. Read-only.
get_subscriptionGet one subscription by `subscription_id` (SB...), with amount, interval, status and upcoming payments.
list_billing_requestsList billing requests, filtered by `status` or `customer`.
list_customersList customers, newest first, with `limit` and the `after`/`before` cursors; filter by `created_at` or `currency`.
list_mandatesList mandates (permissions to collect Direct Debit from a customer), filtered by `customer`, `status` or `reference`.
list_paymentsList payments, filtered by `customer`, `mandate`, `subscription`, `status`, `charge_date` or `created_at` ranges, with cursor paging.
list_payout_itemsMoves moneyList the payments, refunds and fees included in a payout, by `payout` (PO...). Read-only.
list_payoutsList payouts from GoCardless to your bank account, filtered by `status`, `currency` or `created_at`. Read-only.
list_refundsList refunds, filtered by `payment`, `mandate` or `created_at`.
list_subscriptionsList subscriptions, filtered by `customer`, `mandate` or `status`.
refund_paymentMoves moneyRefund a payment: pass `refunds` {amount in pence/cents, total_amount_confirmation (total refunded after this one), reference, links {payment}}. Sends money back to the customer.
retry_paymentChanges dataRetry a failed payment by `payment_id`; optionally pass `payments` {charge_date}. The customer's bank account is debited again.
update_customerChanges dataUpdate a customer by `customer_id`; pass `customers` with only the fields to change (e.g. email, address).
update_subscriptionChanges dataUpdate a subscription by `subscription_id`; pass `subscriptions` with fields to change such as amount, name or metadata.

Set up in three steps

1
Pick the app
Create a free PipMCP account and choose GoCardless from the app list.
2
Paste your key
Paste a GoCardless live access token. The API version is filled in for you. In the GoCardless dashboard, go to Developers › Create › Access token, give it a name, choose Read-write or Read-only access and copy the token. It is shown only once.
3
Add the link to your AI
You get a personal MCP link. Add it to Claude, ChatGPT or Cursor:
Click your name, then Settings › Connectors › Add custom connector. Paste your link as the Remote MCP server URL. Switch it on from the + menu in a chat.

Questions

What can the AI do in GoCardless?

It can read customers, mandates, payments, subscriptions, billing requests, refunds, payouts, the items in each payout and your creditor details. It can create customers, billing requests and hosted authorisation links, collect one-off payments, create and update subscriptions, retry, cancel and refund payments, and cancel subscriptions.

Does the AI see my GoCardless access token?

No. Your GoCardless access token is encrypted at rest and never shown to the AI. After you save it, it is not shown again, not even to you. The AI only sees the results of the tools it calls.

Can I control what the AI is allowed to do?

Yes. Switch on only the tools you want, for example lookups only. Creating or retrying a payment debits a customer's bank account, refunds send money back, and cancelling a payment or subscription cannot be undone, so these can require your approval before they run. Every tool call is logged.

Does it work with ChatGPT?

Yes. In ChatGPT, open Settings › Apps & Connectors › Advanced, turn on Developer mode and add your PipMCP link. Developer mode needs a paid ChatGPT plan: Plus, Pro, Business or Enterprise. The same link also works in Claude (Settings › Connectors › Add custom connector), Cursor and other MCP clients.

What does it cost?

PipMCP has a free plan, and you do not need a credit card to start. Paid plans bill per completed task. You also need your own GoCardless account.

Should I use a read-only token?

If you only want lookups, yes. GoCardless lets you choose Read-only or Read-write access when you create the token. With a read-only token, GoCardless blocks any payment or change, on top of the tools you switch on in PipMCP. Choose Read-write if you want the AI to collect payments or manage subscriptions.