# Zum Rails MCP connector The Zum Rails connector brings users, payment instruments, bank accounts, cards, balances, card transactions and statements into Claude, ChatGPT, Cursor and any MCP client, so your team can look them up and update them by asking, within their own Zum Rails access. Source: https://elaichi.ai/connectors/zumrails/ ## Facts | | | | --- | --- | | Application | Zum Rails | | Category | Payment Gateway | | AI tools | 74 | | 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 | No. 74 tools is past the 30-tool threshold, so clients use `search_tools` and `execute_tool` | ## What you can ask once Zum Rails is connected - List Zum Rails users added this week with bank accounts. - Which card approvals are still pending in Zum Rails? - Show payment instruments updated for our top ten users. ## Connect Zum Rails in Elaichi This happens once for the organization, before any client is involved. 1. Open Connections, choose Add connection, and pick Zum Rails. 2. Optionally set Share with, then press Connect. 3. Paste a Zum Rails API key. One person generates a token in Zum Rails 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 Zum Rails tools are exposed, rename them, or freeze arguments before anyone points a client at it. ## Connect Zum Rails 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 Zum Rails 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 Zum Rails 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 Zum Rails 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 Zum Rails 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 Zum Rails through Elaichi ### Freeze a lost card and reissue it Support. When a cardholder calls about a missing card, look up the card, change its status so it stops working, and order a reissue in the same conversation. The audit log records who did it and when. ### Check a card balance before approving spend Finance. Ask for the current balance on a specific Zum Rails card and its recent transactions before you sign off on a purchase or a top-up, without opening another tab. ### Update a user's bank account or address Operations. When a customer sends new banking details or moves, update their bank account, billing address or shipping address on the Zum Rails user record from the notes in front of you. ### Set up a new user with a payment instrument Onboarding. Create the Zum Rails user, add their payment instrument or credit card, and record the card approval as one job instead of five screens. ### Pull statements and transactions for a period Accounting. Ask for a card's statements for the quarter and the transactions behind each one, then have the agent summarize totals for the close or an expense query. ### Review cards and transactions across a program Card programs. List the cards in a program, see which ones are active or blocked, scan their transactions, and adjust the card program settings when the terms change. ## Frequently asked questions ### How do I connect Zum Rails to Claude? First connect Zum Rails in Elaichi by pasting your Zum Rails API key when prompted. There is 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. Sign in as yourself and Zum Rails users, cards and statements are available in your chat. ### Does Zum Rails work with ChatGPT and Cursor as well as Claude? Yes. Once Zum Rails is connected in Elaichi, the same endpoint, https://api.elaichi.ai/mcp, works in Claude, ChatGPT, Cursor, any MCP client and the Elaichi Agent. You connect Zum Rails once and every client you use picks it up. ### What can an AI agent actually do with my Zum Rails data? An agent connected to Zum Rails can look up a user, create or update a user and their payment instruments, bank account, credit card and addresses, check a card balance, change a card's status, order a reissue, and pull card transactions and statements. Because Zum Rails offers many actions, short concrete asks such as "show the balance on card ending 4412" work better than long paragraphs. ### Does connecting Zum Rails give the AI access to everything in my account? No. Every request to Zum Rails runs inside the access of the person who signed in to Elaichi, so the agent sees and changes only what that person could already see and change. Elaichi can narrow that further, for example to read-only on cards and statements, but it can never widen it. ### Can my team share one Zum Rails connection? Yes. One person connects Zum Rails in Elaichi and shares it with a team, and nobody else ever handles the API key. Each teammate still signs in to Elaichi as themselves, so every card status change or user update in the audit log names the person who made it. ### Can I stop an agent from deleting or changing things in Zum Rails? Yes. Restrictions in Elaichi work per action, so you can allow looking up Zum Rails users and card balances while blocking deleting a user or changing a card's status. A blocked action is never shown to Claude, ChatGPT or any other client, so no prompt can reach it. ### What happens to a Zum Rails connection when someone leaves? Offboarding the person in Elaichi ends their access to Zum Rails through every client at once. If they set up a shared Zum Rails connection, it keeps working for everyone else on the team. Disconnecting Zum Rails once in Elaichi removes it from Claude, ChatGPT, Cursor and every other client together. ## All 74 Zum Rails tools Every tool below is callable through https://api.elaichi.ai/mcp once Zum Rails is connected, subject to the toolbox it is in and the restrictions on the caller. - **Create a Zum Rails auth** (Create). Authenticate in zumrails and generate an access token. No prior authentication is required to call this endpoint. Returns the authorization result; the upstream zumrails API documentation should be consulted for the specific token fields contained in the response, as none are enumerated in the available source. - **Update a Zum Rails auth by ID** (Update). Cancel or invalidate an active authorization token in zumrails. Returns the cancellation result; the upstream zumrails API documentation should be consulted for the specific fields contained in the response, as none are enumerated in the available source. - **Create a Zum Rails user** (Create). Create a new user in zumrails. Returns: id. - **Get single Zum Rails user by ID** (Get). Get a specific zumrails user by id. Returns: id. Required: id. - **Update a Zum Rails user by ID** (Update). Update basic information for a zumrails user by id. Returns: id. Required: id. - **Delete a Zum Rails user by ID** (Delete). Delete a zumrails user by id. Returns an empty 204 response on success. Required: id. - **List all Zum Rails users** (List). Search for zumrails users using a filter. Returns: id. - **Create a Zum Rails user payment instrument** (Create). Add a payment instrument to a zumrails user account. Returns: id. Required: addpaymentinstrumentinformation_id (the target user's id). - **Update a Zum Rails user payment instrument by ID** (Update). Update payment instrument information for a zumrails user. Returns: id. Required: user_id, id (payment instrument id). - **Update a Zum Rails user bank account by ID** (Update). Update bank account information for a zumrails user by id. Returns: id. Required: id. - **Update a Zum Rails user billing address by ID** (Update). Update billing address information for a user in zumrails. Returns: id. Required: id. - **Update a Zum Rails user credit card by ID** (Update). Update credit/debit card information for a user in zumrails. Returns: id. Required: id. - **Update a Zum Rails user card info by ID** (Update). Update card information for a user in zumrails by id. The source documents no request body fields or response payload fields for this endpoint. Returns an empty 204 response on success. Required: id. - **Create a Zum Rails user card approval** (Create). Approve a card for a user in zumrails. Returns a result object; the source provides no field-level documentation for either the request body or the response — consult the zumrails API reference for the expected inputs and return values. - **Update a Zum Rails user shipping address by ID** (Update). Update the shipping address information for a zumrails user. Returns the updated shipping address record including id and attributes. Required: user_id, same_as_billing. - **Create a Zum Rails card** (Create). Activate a card in zumrails. Returns: id, created_at, updated_at. - **List all Zum Rails cards** (List). List cards for a user in zumrails. Returns: id, created_at, updated_at. Required: get_card_id. - **Update a Zum Rails card program by ID** (Update). Update a card program in zumrails. Returns: id, created_at, updated_at. Required: id. - **Get single Zum Rails card balance by ID** (Get). Retrieve a card balance inquiry in zumrails for a user by id. Returns the balance inquiry result; id is the primary identifier of the returned record. Required: id. - **Update a Zum Rails card status by ID** (Update). Update the status of a card in zumrails. Returns: id, createdAt, updatedAt. No specific body parameters are documented in the available source; consult the zumrails cards API reference for required fields. - **Create a Zum Rails card reissue** (Create). Reissue a card in zumrails by submitting a POST request to the reissue-card endpoint. Returns the reissue operation result. The available source provides no field-level documentation for request body parameters or the response payload; consult the zumrails API reference at docs.zumrails.com/api-reference/cards for full details. - **List all Zum Rails card transactions** (List). List card transactions in zumrails. Returns card transaction records including id, created_at, and updated_at. - **List all Zum Rails card statements** (List). Filter and list card statements in zumrails by submitting filter criteria in the request body. Returns a collection of card statement records. Returns: id. - **List all Zum Rails card statement transactions** (List). Filter and list card statement transactions in zumrails. Returns a collection of transaction records from the result.Items envelope; the per-record field shape is not enumerated in the available source documentation. Returns: id, attributes. - **Create a Zum Rails transaction** (Create). Create a new transaction in zumrails. Returns the created transaction object including id, created_at, and updated_at. - **Get single Zum Rails transaction by ID** (Get). Get a specific zumrails transaction by id. Returns the transaction object including id, created_at, and updated_at. Required: id. - **List all Zum Rails transactions** (List). Search for transactions in zumrails using the filter endpoint. Returns a collection of transaction records including id, created_at, and updated_at. - **Delete a Zum Rails transaction by ID** (Delete). Delete a zumrails transaction by id. Returns an empty 204 response on success. Required: id. - **Create a Zum Rails transaction batch validate** (Create). Validate a batch transaction file in zumrails by submitting it to the ValidateBatchFile endpoint. Returns validation results. The source documentation does not enumerate request body fields or response field names; consult the zumrails API reference for the full field-level breakdown. - **Create a Zum Rails transaction batch process** (Create). Process a batch file of transactions in zumrails. Returns a result object containing the outcome of the batch processing operation; the specific response fields are not enumerated in the available source documentation and the payload is treated as a dynamic result. - **Create a Zum Rails transaction batch US** (Create). Upload a batch file for US transactions in zumrails. Returns the result object including the batch id. - **List all Zum Rails batches** (List). Search and list batches in zumrails by posting filter criteria to the batch filter endpoint. Returns batch records including id, created_at, and updated_at. No required parameters are documented in the available source. - **List all Zum Rails funding sources** (List). Search for funding sources in zumrails. Returns: id, created_at, updated_at. - **Get single Zum Rails funding source by ID** (Get). Get a specific funding source in zumrails by id. Returns: id, created_at, updated_at. Required: id. - **Create a Zum Rails product** (Create). Create a product in zumrails. Returns the created product object including its id, created_at, and updated_at. - **Update a Zum Rails product by ID** (Update). Update a product in zumrails by id. Returns the updated product object including its id, created_at, and updated_at. Required: id. - **Get single Zum Rails product by ID** (Get). Get a specific product in zumrails by id. Returns the product object including its id, created_at, and updated_at. Required: id. - **List all Zum Rails products** (List). Search for products in zumrails. Returns a list of product objects, each including id, created_at, and updated_at. - **Delete a Zum Rails product by ID** (Delete). Delete a product in zumrails by id. Returns an empty 204 response on success. Required: id. - **Update a Zum Rails product image by ID** (Update). Upload a product image for a zumrails product. Returns the upload result via the result envelope. Required: product_id. - **Update a Zum Rails product archive by ID** (Update). Archive a product in zumrails by its product ID. Returns: id, created_at, updated_at. Required: product_id. - **Update a Zum Rails product unarchive by ID** (Update). Unarchive a product in zumrails by product ID. Returns the unarchived product result including id, created_at, and updated_at. Required: product_id. - **Get single Zum Rails product price by ID** (Get). Get a specific product price in zumrails by id. Returns: id. Required: id. - **Delete a Zum Rails product price by ID** (Delete). Delete a product price in zumrails by id. Returns an empty 204 response on success. Required: id. - **Update a Zum Rails product price archive by ID** (Update). Archive a product price in zumrails by its product price ID. Returns an empty 204 response on success. Required: product_price_id. - **Update a Zum Rails product price unarchive by ID** (Update). Unarchive a product price in zumrails, restoring it to active status. Returns the updated product price record including id, created_at, and updated_at. Required: product_price_id. - **Create a Zum Rails invoice** (Create). Create an invoice in zumrails. Returns: id. - **Update a Zum Rails invoice by ID** (Update). Update an invoice in zumrails by id. Returns: id. Required: id. - **Get single Zum Rails invoice by ID** (Get). Get a specific invoice in zumrails by id. Returns: id. Required: id. - **List all Zum Rails invoices** (List). Search for invoices in zumrails. Returns: id. - **List all Zum Rails invoice events** (List). List invoice events for a specific invoice in zumrails. Returns: id, created_at, updated_at. Required: getinvoiceevent_id. - **Update a Zum Rails invoice status by ID** (Update). Change the status of an invoice in zumrails by its id. Returns: id. Required: id. - **Create a Zum Rails subscription** (Create). Create a subscription in zumrails. Returns the created subscription object including id, created_at, and updated_at. - **Update a Zum Rails subscription by ID** (Update). Update a subscription in zumrails by id. Returns the updated subscription object including id, created_at, and updated_at. Required: id. - **Get single Zum Rails subscription by ID** (Get). Get a specific subscription in zumrails by id. Returns the subscription object including id, created_at, and updated_at. Required: id. - **List all Zum Rails subscriptions** (List). Search for subscriptions in zumrails. Returns a list of subscription objects each including id, created_at, and updated_at. - **Update a Zum Rails subscription cancel by ID** (Update). Cancel a subscription in zumrails by id. Returns an empty 204 response on success. Required: id. - **Update a Zum Rails subscription pause by ID** (Update). Pause a zumrails subscription by id. Returns: id. Required: id. - **Update a Zum Rails subscription resume by ID** (Update). Resume a paused subscription in zumrails by id. Returns: id. Required: id. - **List all Zum Rails subscription events** (List). List subscription events for a given subscription in zumrails. Returns a collection of subscription event records including id, created_at, and updated_at. Required: getsubscriptionevent_id. - **List all Zum Rails subscription invoices** (List). List invoices for a specific zumrails subscription. Returns subscription invoice records including id, created_at, and updated_at. Required: getsubscriptioninvoice_id. - **Get single Zum Rails aggregation request by ID** (Get). Get aggregation information from zumrails by request id. Returns the aggregation result object including id and request-specific attributes; the exact field set varies by aggregation type and is not enumerated in the upstream docs. Required: id. - **Get single Zum Rails aggregation async status by ID** (Get). Get the async transaction status for a zumrails aggregation request by id. Returns: id, status, created_at, updated_at. Required: id. - **List all Zum Rails insights profiles** (List). List Zumrails insights profiles by applying a filter. Returns a collection of insights profile records including id, created_at, and updated_at. - **Get single Zum Rails insights profile by ID** (Get). Get a single Zumrails insights profile. Returns the insights profile record including id, created_at, and updated_at. - **Zum Rails insights profiles search** (Search). Search for a Zumrails insights profile. Returns the matching insights profile record including id, created_at, and updated_at. - **Create a Zum Rails insight** (Create). Retrieve insights data from zumrails by calling the GetInsights endpoint. Returns a result object containing analytics or summary data; the specific fields are not enumerated in the available source documentation — consult the zumrails Insights API reference for the full field-level breakdown. No request parameters are documented in the current source. - **List all Zum Rails wallets** (List). List wallets in zumrails. Returns a collection of wallet records from the result array, including id, created_at, and updated_at for each entry. - **List all Zum Rails wallet transactions** (List). Search and list wallet transactions in zumrails by posting filter criteria. Returns a collection of transaction records including id, created_at, and updated_at. - **Get single Zum Rails transaction limit by ID** (Get). Get the transaction limits for a specific customer in zumrails by id. Returns: id, created_at, updated_at. Required: id. - **Update a Zum Rails transaction chargeback by ID** (Update). Accept a zumrails transaction chargeback, marking it as accepted. Returns an empty 204 response on success. Required: transaction_chargeback_id. - **Delete a Zum Rails transaction chargeback by ID** (Delete). Dispute a zumrails transaction chargeback, marking it as disputed. Returns an empty 204 response on success. Required: transaction_chargeback_id. - **Update a Zum Rails transaction action by ID** (Update). Take action on an Interac fraud transaction in zumrails by id. Returns: id. Required: id. - **Create a Zum Rails wallet transaction summary** (Create). Retrieve the daily auto-withdrawal summary in zumrails by posting to the summary endpoint. Returns the summary result object; the specific fields within the result are not enumerated in the available documentation. No body parameters or query parameters are documented for this endpoint.