GoCardless MCP connector
The GoCardless connector brings your customers, mandates and direct debit payments into Claude, ChatGPT, Cursor, Microsoft Copilot and any MCP client, so your team can check, create, retry or cancel them in plain language, with every action logged.
- Connects with an API key
- Free 14-day trial
- No credit card
Show me all failed payments from this week.
Working in GoCardless with Elaichi
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List all GoCardless customers
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Get single GoCardless customer by ID
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List all GoCardless webhooks
How to connect GoCardless to Claude, ChatGPT, Cursor or Microsoft Copilot
Step by step, for each AI app
GoCardless MCP connector for Claude
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1
Open Customize, then Connectors.
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2
Press Add.
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3
Name it, paste the MCP server URL, then Continue.
https://api.elaichi.ai/mcp -
4
Sign in and approve.
On Team and Enterprise, an Owner adds it once. Everyone else turns it on for themselves.
GoCardless MCP connector for Claude Code
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1
In a terminal, run
claude mcp addwith the endpoint.https://api.elaichi.ai/mcp -
2
Start Claude Code and run
/mcp. -
3
Pick elaichi, then sign in and approve in the browser.
Terminal
$ claude mcp add --transport http elaichi --scope user https://api.elaichi.ai/mcp
Use --scope project instead to share it with the repository through .mcp.json.
GoCardless MCP connector for ChatGPT
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1
Open Plugins, then press the + button.
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2
Name it and paste the endpoint into Server URL.
https://api.elaichi.ai/mcp -
3
Leave Authentication on OAuth, then tick the risk acknowledgement.
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4
Press Create, then sign in and approve.
Works on the web. The plugin directory lives at chatgpt.com/plugins.
GoCardless MCP connector for Cursor
-
1
Open
~/.cursor/mcp.json. -
2
Add the endpoint under
mcpServers.https://api.elaichi.ai/mcp -
3
Reload Cursor, then sign in and approve.
~/.cursor/mcp.json
{
"mcpServers": {
"elaichi": {
"url": "https://api.elaichi.ai/mcp"
}
}
}
Set up per machine, so repeat it on each computer you work from.
GoCardless MCP connector for Microsoft Copilot
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1
In Copilot Studio, open your agent, then Tools, Add a tool, New tool and Model Context Protocol.
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2
Paste the endpoint into Server URL, choose OAuth 2.0, then Dynamic discovery, and press Create.
https://api.elaichi.ai/mcp -
3
Create a new connection, sign in and approve, then press Add to agent.
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4
Under Channels, open Teams and Microsoft Copilot and make the agent available in Microsoft Copilot.
- Server URL
- https://api.elaichi.ai/mcp
- Authentication
- OAuth 2.0
- Type
- Dynamic discovery
Microsoft Copilot was called Microsoft 365 Copilot. Keep the tool on end-user credentials, so each person signs in as themselves.
Connect GoCardless to any MCP client
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1
Add the endpoint as a remote MCP server.
https://api.elaichi.ai/mcp -
2
Sign in and approve.
{
"mcpServers": {
"elaichi": {
"url": "https://api.elaichi.ai/mcp"
}
}
}
The Elaichi Agent already has these tools, with nothing to set up.
What teams do with GoCardless through Elaichi
Ask in plain English. Each person’s AI can do only what they’re allowed to, and every action it takes in GoCardless is logged.
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Finance
Chase failed direct debits the same morning
Ask which GoCardless payments failed overnight and why, then retry the ones whose mandate is still active before the customer notices anything is wrong.
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Billing
Set up a new payer end to end
Create the customer in GoCardless, attach their mandate and schedule the first payment straight from the signed order form, without opening a second tab.
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Support
Answer a charge question in one look
Pull up a customer's GoCardless payments and mandate status while they are still on the phone, and cancel a payment that should not go out.
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Customer success
Reinstate a mandate for a returning customer
When a customer comes back, reinstate their existing GoCardless mandate instead of asking them to enter their bank details all over again.
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Operations
Keep payer details current after a change
Update a customer's email, address or company name in GoCardless as soon as they tell you, so payment notifications reach the right place.
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Revenue operations
Resend notifications your billing system missed
If your invoicing system missed a GoCardless notification, ask which webhooks failed to deliver and send them again so both records line up.
Try asking
- “Show me all failed payments from this week.”
- “List customers with pending mandates.”
- “Which webhooks failed to deliver yesterday.”
What connecting GoCardless gets you
6 screens from Elaichi, each doing one job for your GoCardless account.
Ask Elaichi to work across your apps.
Show me all failed payments from this week.
List customers with pending mandates.
Which webhooks failed to deliver yesterday.
Also runs in Claude, ChatGPT, Cursor or Microsoft Copilot
The agent
Ask GoCardless questions in plain language.
Get answers pulled straight from live customer and payment records.
Copy the endpoint
AI apps
One GoCardless endpoint, every MCP client.
Connect Claude, ChatGPT, Cursor or Microsoft Copilot through a single governed endpoint, no API keys shared.
Tool catalog
137 GoCardless tools, ready to call.
Every customer, payment and webhook method cataloged, no custom code required.
Toolboxes
Every team gets its own GoCardless toolbox.
Finance, support and engineering each work from a toolbox scoped to their role.
Shared connections
Delegate GoCardless access without sharing credentials.
See who connected each account and how many teams and members use it.
Audit log
Every GoCardless call, logged and traceable.
Answer who did what, when, across every payment, mandate and webhook action.
From answering questions to doing the work
A trigger starts the work, inside the same permissions and the same audit log as everything else. Automations, collections and live dashboards come with the Black plan.
GoCardless digest
Run 418 · started 2 minutes ago · on behalf of Emily Carter
-
✓
Schedule
Every weekday at 8:00 AM
0.2s -
✓
Fetch customers
GoCardless
1.4s -
✓
Group by owner
Transform
0.1s -
✓
Draft the digest
Agent step
Ran with 4 tools, returned a structured summary
6.2s -
Approve the digest
Needs approval
Assigned to Jake Morgan
Approve Deny -
Post the digest
GoCardless
Queued
Automations
GoCardless runs, a person approves the finish.
A schedule fetches payment records, groups them, drafts a digest, then posts back after approval.
GoCardless health
Refreshed 4 minutes ago · every 15 minutes · from the customers collection
Customers
1,284 ↓ 12%
Payments
96 ↓ 8%
Needs attention
3 ↑ 2
Updated this week
412 ↑ 9%
Customers created
Last 14 days
By team
Share of activity
Finance EMEA 34%
Sales 27%
Support 21%
Engineering 18%
Collections and dashboards
GoCardless health, computed on a schedule.
Four metrics and a 14 day chart track payments created, broken down by team.
For IT and engineering
Elaichi vs Zapier MCP vs Composio for GoCardless
All three can connect GoCardless to an AI assistant, and all three have admin controls. They differ in where access lives and how you pay.
| What to check | Elaichi | Zapier MCP | Composio |
|---|---|---|---|
| Where the AI connects |
One address for the whole organization.
https://api.elaichi.ai/mcp
|
A server per member, created at sign-in. | An MCP endpoint per team, or an SDK. |
| Control over GoCardless tools | Allow or restrict single GoCardless tools, per role or user. | App and action restrictions on the account. | Role permissions, down to the action. |
| Record of calls | One audit entry per GoCardless call. | A History tab of tool calls. | A log of every tool call. |
| Single sign-on | SAML or OIDC, plus SCIM, on Gold. | SAML on Enterprise. | SAML and OIDC on Enterprise. |
| Price | Free for one person; $15 per user per month on Gold. | 2 tasks per successful call. | Billed per tool call. |
Sources: Zapier MCP docs, security, usage; Composio docs, gateway, enterprise, pricing. Checked September 2026.
Longer take: Zapier MCP alternative and when you don't need an MCP gateway.
GoCardless tools for your AI agents
137 tools are ready to call through Elaichi's MCP endpoint the moment you connect GoCardless, governed by the same roles, restrictions, and audit log as everything else in Elaichi.
No tools match your search.
Questions, answered
How do I connect GoCardless to Claude?
It takes two steps. In Elaichi, choose GoCardless and paste an access token from your GoCardless dashboard, which is the whole sign-in step, with no OAuth application to register and no client ID or secret to generate. Then in Claude, open Customize, then Connectors, then Add, and paste https://api.elaichi.ai/mcp. Claude asks you to sign in to Elaichi and GoCardless is ready to use.
Does GoCardless work with ChatGPT and Cursor as well as Claude?
Yes. Once GoCardless is connected in Elaichi, the same endpoint, https://api.elaichi.ai/mcp, works in Claude, ChatGPT, Cursor, Microsoft Copilot, any other MCP client and the Elaichi Agent. You connect GoCardless once and every client you use picks it up.
What can an AI agent actually do with my GoCardless data?
It can look up a customer, check whether their mandate is active, canceled or pending, and list their payments along with any that failed. It can also create a customer, mandate or payment in GoCardless, retry or cancel a payment, cancel or reinstate a mandate, update creditor details, and resend webhooks that did not get through. Because GoCardless has a large set of actions, short concrete asks such as "failed payments this week" work better than long sentences.
Does connecting GoCardless give the AI access to my whole account?
The AI can only reach what the GoCardless account behind the connection is allowed to reach, and nothing beyond it. Elaichi can then narrow that further, for example to looking up customers and payments without creating or canceling anything. It can never widen access past what GoCardless itself allows.
Can I stop an agent from deleting or changing things in GoCardless?
Yes. Restrictions in Elaichi work per action, so you can restrict deleting customers, canceling mandates or canceling payments in GoCardless while still allowing lookups and retries. A restricted action still appears in Elaichi's tool search, flagged as restricted, but Claude, ChatGPT or any other client cannot run it, whatever the prompt says.
What happens to a GoCardless connection when someone leaves?
Offboarding that person in Elaichi ends their access to GoCardless at once, across every client they used. A shared GoCardless connection keeps working for everyone else on the team. If you want to remove GoCardless entirely, disconnecting it once in Elaichi removes it from Claude, ChatGPT, Cursor, Microsoft Copilot and every other client together.
Does the GoCardless MCP connector work with Gemini, Codex, Claude Code or other MCP clients?
Yes. GoCardless is reached over the same MCP endpoint every client uses, so anything that speaks MCP can call it — Gemini, Codex, Claude Code, Windsurf, Cline, Zed and OpenCode among them — alongside Claude, ChatGPT, Cursor, Microsoft Copilot, and the Elaichi Agent. The tools on offer and the access behind them are identical whichever client asks. Only the setup screen differs.
Is Elaichi an alternative to Zapier MCP for GoCardless?
Yes. Both let Claude, ChatGPT or Cursor use GoCardless. Zapier MCP fits a team that already automates in Zapier, since each person signs in and acts as themselves in that account. Elaichi fits when IT wants one address for the whole company, per-tool rules by role, and a record of every GoCardless call.
How is Elaichi different from Composio for GoCardless?
Composio gives AI agents tools and sign-in handling across 1,000+ apps, for developers building agents or people using an assistant, billed per tool call. Elaichi gives a company's own people governed access to GoCardless: one address, restrictions per role or user, and $15 per user per month. Both have role permissions and a log of every call.
Put GoCardless in front of your team
14 days of Black, no credit card. Connect it once and pick what each team can call.
When the trial ends, nothing is deleted. You move to the free Personal plan, and connections, roles and the audit log stay where they are.
Add one link to your AI app
The same link for everyone on your team.
https://api.elaichi.ai/mcp
ChatGPT
Claude
Cursor
Microsoft Copilot