Zum Rails MCP connector
The Zum Rails connector brings users, payment instruments, bank accounts, cards, balances, card transactions and statements into Claude, ChatGPT, Cursor, Microsoft Copilot and any MCP client, so your team can look them up and update them by asking, within their own Zum Rails access.
- Connects with an API key
- Free 14-day trial
- No credit card
List Zum Rails users added this week with bank accounts.
Working in Zum Rails with Elaichi
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Get single Zum Rails user by ID
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List all Zum Rails users
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List all Zum Rails cards
How to connect Zum Rails to Claude, ChatGPT, Cursor or Microsoft Copilot
Step by step, for each AI app
Zum Rails 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.
Zum Rails 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.
Zum Rails 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.
Zum Rails MCP connector for Cursor
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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.
Zum Rails 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 Zum Rails 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 Zum Rails through Elaichi
Ask in plain English. Each person’s AI can do only what they’re allowed to, and every action it takes in Zum Rails is logged.
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Support
Freeze a lost card and reissue it
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.
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Finance
Check a card balance before approving spend
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.
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Operations
Update a user's bank account or address
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.
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Onboarding
Set up a new user with a payment instrument
Create the Zum Rails user, add their payment instrument or credit card, and record the card approval as one job instead of five screens.
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Accounting
Pull statements and transactions for a period
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.
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Card programs
Review cards and transactions across a program
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.
Try asking
- “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.”
What connecting Zum Rails gets you
6 screens from Elaichi, each doing one job for your Zum Rails account.
Ask Elaichi to work across your apps.
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.
Also runs in Claude, ChatGPT, Cursor or Microsoft Copilot
The agent
Ask about Zum Rails users in plain language.
Answers come from live Zum Rails users, payment instruments and card approvals.
Copy the endpoint
AI apps
Claude, ChatGPT, Cursor and Microsoft Copilot share one endpoint.
Connect Zum Rails from any MCP client over OAuth, no SDK, no shared key.
Tool catalog
All 74 Zum Rails tools, no custom code.
Users, payment instruments, bank accounts, credit cards and card approvals, ready to call.
Toolboxes
Every team gets its own Zum Rails toolbox.
Finance, payments and support each see the toolbox scoped to their work.
Shared connections
Teammates move payments without seeing a credential.
Each Zum Rails connection shows who added it and which teams share it.
Audit log
Answer who touched which Zum Rails user.
Append-only log records when, who, what happened, type and resource.
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.
Zum Rails digest
Run 418 · started 2 minutes ago · on behalf of Emily Carter
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✓
Schedule
Every weekday at 8:00 AM
0.2s -
✓
Fetch users
Zum Rails
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
Zum Rails
Queued
Automations
A schedule drafts the payout digest, you approve.
Six steps fetch Zum Rails transactions, group them, draft, wait for approval, post back.
Zum Rails health
Refreshed 4 minutes ago · every 15 minutes · from the users collection
Users
1,284 ↓ 12%
Payment instruments
96 ↓ 8%
Needs attention
3 ↑ 2
Updated this week
412 ↑ 9%
Users created
Last 14 days
By team
Share of activity
Finance Canada 34%
Payments Ops 27%
Risk Review 21%
Support Tier 1 18%
Collections and dashboards
Zum Rails payment numbers, computed not generated.
Four metrics, 14 days of users created and a team breakdown, refreshed on schedule.
For IT and engineering
Elaichi vs Zapier MCP vs Composio for Zum Rails
All three can connect Zum Rails 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 Zum Rails tools | Allow or restrict single Zum Rails 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 Zum Rails 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.
Zum Rails tools for your AI agents
74 tools are ready to call through Elaichi's MCP endpoint the moment you connect Zum Rails, 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 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, Microsoft Copilot, 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 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 restricting deleting a user or changing a card's status. 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 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, Microsoft Copilot and every other client together.
Does the Zum Rails MCP connector work with Gemini, Codex, Claude Code or other MCP clients?
Yes. Zum Rails 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 Zum Rails?
Yes. Both let Claude, ChatGPT or Cursor use Zum Rails. 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 Zum Rails call.
How is Elaichi different from Composio for Zum Rails?
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 Zum Rails: one address, restrictions per role or user, and $15 per user per month. Both have role permissions and a log of every call.
Put Zum Rails 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