# Plastiq MCP connector

The Plastiq connector lets Claude, ChatGPT, Cursor or any MCP client look up billers, recipients and payments in Plastiq, send payments and refunds, and record every action under the signed-in person's own access.

Source: https://elaichi.ai/connectors/plastiq/

## Facts

| | |
| --- | --- |
| Application | Plastiq |
| Category | Payment Gateway |
| AI tools | 26 |
| Authentication | Connects with an API key |
| Needs your own OAuth app | No |
| MCP endpoint | https://api.elaichi.ai/mcp |
| Works with | Claude, ChatGPT, Cursor, any MCP client, and the Elaichi Agent |
| Tools advertised by name | Yes |

## What you can ask once Plastiq is connected

- List all Plastiq recipients added this month.
- Search Plastiq billers for our top three landlords.
- Which payment methods are active for the finance team?

## Connect Plastiq in Elaichi

This happens once for the organization, before any client is involved.

1. Open Connections, choose Add connection, and pick Plastiq.
2. Optionally set Share with, then press Connect.
3. Paste a Plastiq API key. One person generates a token in Plastiq and pastes it once. Everyone else works through Share with, and never sees it.

Credentials are vaulted and nobody, including the AI, reads them back. The connection becomes a toolbox immediately, so you can curate which Plastiq tools are exposed, rename them, or freeze arguments before anyone points a client at it.

## Connect Plastiq to Claude

Endpoint: https://api.elaichi.ai/mcp

1. Open Customize, then Connectors.
2. Press Add.
3. Name it, paste the MCP server URL, then Continue.
4. Sign in and approve.

On Team and Enterprise, an Owner adds it once. Everyone else turns it on for themselves.

## Connect Plastiq to ChatGPT

Endpoint: https://api.elaichi.ai/mcp

1. Open Plugins, then press the + button.
2. Name it and paste the endpoint into Server URL.
3. Leave Authentication on OAuth, then tick the risk acknowledgement.
4. Press Create, then sign in and approve.

Works on the web today. The plugin directory lives at chatgpt.com/plugins.

## Connect Plastiq to Cursor

Endpoint: https://api.elaichi.ai/mcp

1. Open `~/.cursor/mcp.json`.
2. Add the endpoint under `mcpServers`.
3. Reload Cursor, then sign in and approve.

Set up per machine, so repeat it on each computer you work from.

## Connect Plastiq to any MCP client

Endpoint: https://api.elaichi.ai/mcp

1. Add the endpoint as a remote MCP server.
2. Sign in and approve.

The Elaichi Agent already has these tools, with nothing to set up.

## What the consent screen decides

Only Read is granted by default, which is not enough to call a Plastiq tool. Over MCP there is no trusted place to confirm a write in the moment, so the consent screen is the standing approval rather than a formality. Grant Read and Run tools. Think hard before granting Delete, which reaches into connected apps and cannot be undone.

## What teams do with Plastiq through Elaichi

### Pay a vendor bill by card

Accounts payable. Find the biller in Plastiq, choose the payment method on file, and send the payment from the chat, then confirm the payment shows up with the right amount.

### Check whether a payment went out

Finance. Ask which Plastiq payments were created this week, who was paid, and what status each one is in, without opening the dashboard.

### Set up a new recipient

Accounts payable. Add a new landlord, supplier or contractor as a recipient in Plastiq, and update their details later when an address or account number changes.

### Issue a refund on a payment

Finance. Pull up the original Plastiq payment, confirm the details, and create the refund against it in one step.

### Attach the invoice to a payment

Controller. Upload the invoice or supporting paperwork as a Plastiq document so the payment has its backup when the auditors ask.

### Find the right biller before paying

Procurement. Search Plastiq's billers by name, confirm it is the right company, and check the category so the payment is filed correctly.

## Frequently asked questions

### How do I connect Plastiq to Claude?

Connect Plastiq in Elaichi first. Plastiq connects with an API key, so you paste the key from your Plastiq account when Elaichi asks for it, and there is no client ID or secret to generate. Then in Claude go to Customize, then Connectors, then Add, and paste https://api.elaichi.ai/mcp as the endpoint. Claude asks you to sign in to Elaichi, and Plastiq is available from then on.

### Does Plastiq work with ChatGPT and Cursor as well as Claude?

Yes. Once Plastiq is connected in Elaichi, the same endpoint, https://api.elaichi.ai/mcp, works in Claude, ChatGPT, Cursor, any other MCP client and the Elaichi Agent. You connect Plastiq once and every client uses it.

### What can an AI agent actually do with my Plastiq data?

An agent connected to Plastiq can search billers, list recipients and payment methods, look up a payment by its ID, and create new payments, payment intents and refunds. It can also add or update recipients and payers, upload documents such as invoices, and browse categories. In practice that means asking who was paid this month, paying a bill by card, or setting up a new vendor, all in plain language.

### Does connecting Plastiq give the AI access to every payment and payment method?

No. Every call to Plastiq runs under the API key of the person who connected it, so the agent can only see and do what that Plastiq account can. Elaichi can narrow that further with restrictions per action, and it never widens what the Plastiq account already allows.

### Can my team share one Plastiq connection?

Yes. One person connects Plastiq in Elaichi and shares the connection with a team, and nobody else ever handles the API key. Each teammate still signs in to Elaichi as themselves, so the audit log names the person who created a payment or refund, not the person who connected Plastiq.

### Can I stop an agent from creating payments or refunds in Plastiq?

Yes. Restrictions in Elaichi work per action, so you can allow looking up Plastiq billers and payments while blocking the creation of payments, refunds or payment methods. A blocked action is never advertised to Claude, ChatGPT or Cursor at all, so no prompt can reach it.

### What happens to a Plastiq connection when someone leaves?

When a person is offboarded in Elaichi, their access to Plastiq through every client ends at once. A Plastiq connection that was shared with a team keeps working for everyone else on that team. If you want Plastiq gone entirely, disconnecting it once in Elaichi removes it from Claude, ChatGPT, Cursor and every other client.

## All 26 Plastiq tools

Every tool below is callable through https://api.elaichi.ai/mcp once Plastiq is connected, subject to the toolbox it is in and the restrictions on the caller.

- **Create a Plastiq payment method** (Create). Create a Plastiq payment method (Bank Account or Card) for a payer. Returns the created payment method including id, type, status, data, externalId, and statusReasons. Required: type, data.
- **List all Plastiq payment methods** (List). List Plastiq payment methods for a payer. Returns payment method records including id, type, status, data, externalId, and statusReasons. Required: payerId.
- **Get single Plastiq payment method by ID** (Get). Retrieve a single Plastiq payment method by id. Returns the payment method object including id, type, status, data, externalId, and statusReasons. Required: id, payerId.
- **Update a Plastiq payment method by ID** (Update). Update a Plastiq payment method by id. Returns the updated payment method including id, type, status, data, externalId, and statusReasons. Required: id, type, data, payer.
- **Create a Plastiq recipient** (Create). Create a plastiq Recipient for payment disbursement via ACH, EFT, Check, or Wire. Returns: id, status, createdAt, businessName, contact, receivingMethod. Required: contact (with at least email or phone) and receivingMethod (with type). Supply payer.id to scope the recipient to a single payer.
- **List all Plastiq recipients** (List). List plastiq Recipients associated with a given payer. Returns per recipient: id, businessName, contact, receivingMethod, status, createdAt. Required: payerId.
- **Get single Plastiq recipient by ID** (Get). Get a single plastiq Recipient by id. Returns: id, businessName, contact, receivingMethod, status, createdAt. Required: id. Optionally filter by payerId to resolve payer-scoped recipients.
- **Update a Plastiq recipient by ID** (Update). Update an existing plastiq Recipient by id using partial (PATCH) semantics — supply only the fields to change. Returns: id, businessName, contact, receivingMethod, status, createdAt. Required: id.
- **List all Plastiq categories** (List). List all supported Recipient Categories in Plastiq Connect. Returns category objects with vendor-specific fields; consult the Plastiq Connect docs for the full field-level breakdown. Categories are read-only — they cannot be created, updated, or deleted.
- **Create a Plastiq client secret** (Create). Create a plastiq Client Secret for authenticating requests from the browser with prebuilt widgets or the Connect Workflows Checkout experience. Optionally scope the secret to an existing Payer by supplying payer.id; omit the body entirely to create a non-scoped secret. Returns: payer. Client Secrets expire 30 minutes after creation.
- **Plastiq billers search** (Search). Search Plastiq billers by business name. Returns a list of biller groups each containing groupId and a billers array of individual biller records with id, businessName, groupId, businessAddress, and categoryId. Required: name.
- **Get single Plastiq biller by ID** (Get). Get a single Plastiq biller by id. Returns the biller record including id, businessName, groupId, businessAddress (with line1, city, state, postalCode, country), and categoryId. Required: id.
- **List all Plastiq billers** (List). List Plastiq billers by business name. Returns a list of biller groups each containing groupId and a billers array of individual biller records with id, businessName, groupId, businessAddress, and categoryId. Required: name.
- **Create a Plastiq document** (Create). Upload a document to Plastiq and receive a pre-signed S3 upload URL for the file. Returns: uploadURL and metadata (containing AWS signing fields such as Key, bucket, and X-Amz-Signature). Required: type, fileType, filename, payer.
- **Create a Plastiq payer** (Create). Create a new payer in plastiq. Returns the created payer including id, externalId, businessName, contact, businessAddress, createdAt, status, hasIdentityDocuments, identityDocuments, and metadata. Required: contact (must supply either email or phone).
- **Get single Plastiq payer by ID** (Get). Retrieve a single plastiq payer by id. Returns the payer object including id, externalId, businessName, contact, businessAddress, createdAt, status, hasIdentityDocuments, identityDocuments, and metadata. Required: id.
- **Update a Plastiq payer by ID** (Update). Update an existing plastiq payer by id. Returns the updated payer object including id, externalId, businessName, contact, businessAddress, createdAt, status, hasIdentityDocuments, identityDocuments, and metadata. Required: id.
- **Create a Plastiq payment** (Create). Create a plastiq payment from a Payment Intent — reference an existing intent by paymentIntent.id, or supply paymentMethod and recipient for inline intent creation. Returns: id, status, sourceAmount, targetAmount, fees, deliveryDate, createdAt, statusReasons. Required: payer.
- **List all Plastiq payments** (List). List plastiq payments for a given payer. Returns: id, status, sourceAmount, targetAmount, fees, deliveryDate, createdAt per payment. Required: payerId.
- **Get single Plastiq payment by ID** (Get). Get a single plastiq payment by id. Returns: id, status, sourceAmount, targetAmount, fees, details, deliveryDate, createdAt, statusReasons, sourceDescriptor, targetDescriptor. Required: id, payerId.
- **Create a Plastiq payment refund** (Create). Create a refund or cancellation for an existing plastiq payment. Returns: status (REFUNDED or REFUND_FAILED) indicating whether the refund succeeded. Required: payment_id, payer.
- **Create a Plastiq payment intent** (Create). Create a Plastiq payment intent, staging a payment for execution. Returns the created intent including id, status, sourceAmount, targetAmount, fees, paymentMethod, recipient, payer, deliveryDate, createdAt, expiresAt, deliveryOptions, details, warnings, and statusReasons. Required: paymentMethod, recipient, payer.
- **Get single Plastiq payment intent by ID** (Get). Retrieve a single Plastiq payment intent by id. Returns the full payment intent including id, status, sourceAmount, targetAmount, fees, paymentMethod, recipient, payer, details, warnings, statusReasons, deliveryDate, createdAt, expiresAt, and deliveryOptions. Required: id, payerId.
- **Update a Plastiq payment intent by ID** (Update). Update a Plastiq payment intent by id. Returns the updated intent including id, status, sourceAmount, targetAmount, fees, paymentMethod, recipient, payer, details, warnings, statusReasons, deliveryDate, createdAt, expiresAt, and deliveryOptions. Required: id.
- **List all Plastiq webhooks** (List). List Plastiq webhook notifications, optionally filtered by date range. Returns each notification's payload (containing id, event, and data sub-fields such as object, state, timestamp, and payer) and status. Use startDate and endDate to narrow results.
- **Create a Plastiq single use client secret** (Create). Create a single-use Client Secret in plastiq to be shared with a browser widget for tokenizing sensitive data such as credit card numbers. Returns: clientSecret. Required: payer. The secret expires after 60 seconds.