Connectors · Accounting & finance

GoCardless MCP server for AI agents.

actionlake is an MCP gateway: one remote MCP server that connects Claude and other MCP clients to GoCardless and the rest of your systems. It gives your agent 138 GoCardless actions (63 reads, 59 writes and 16 that wait for a confirmation) and holds the GoCardless credential itself, so the agent never does. It paces GoCardless's limits and records every call.

Connect GoCardless free See pricing

100,000 free calls a month. No card, no email, no password: press Start a free sandbox on the next screen and keep the key it shows you.

claude mcp add --transport http actionlake https://connect.actionlake.com/mcp

138actionsin one signed file
63readlook, never change
59writecreate and update
16wait for a yesdestructive, confirmed first

Set up

Connect GoCardless in three steps.

01
Add actionlake to Claude.
Run the command once in Claude Code; its consent page can create a free sandbox: 100,000 calls a month, no card. In the Claude app, add a custom connector with the URL below and paste your key on the consent page. Creating a new sandbox from the Claude app is not yet tested by us.
https://connect.actionlake.com/mcp
02
Connect GoCardless.
Bearer token. No consent screen: your agent can connect it for you, but the key then passes through your chat. To keep it out of the model's context, paste it in the console instead. actionlake stores what you paste write-only, sealed under your tenant's key.
- access_tokenGoCardless access token
- hostWhere your GoCardless lives: your host
```
account { op: "connections.requirements", service: "gocardless" }
# free: exactly what to paste, and what is found for you
```

Make the first call. Check before a write.

Ask in plain words; Claude picks the action. Before anything changes, check validates the call and prices it, for free.

do    { action: "gocardless.payments.list" }# list payments · read · 1 upstream callcheck { action: "gocardless.payments.create", input: { … } }# free: inputs, permissions, cost and confirmations, nothing sent

GoCardless at a glance

Sign-in: Bearer token. No consent screen: your agent can connect it for you, but the key then passes through your chat. To keep it out of the model's context, paste it in the console instead.
You provide: access_token
Setup fields: host
Limits we pace to: 1,000 calls a minute, per connection
API covered: GoCardless API 2015-07-06 (OpenAPI 3.0.0, openapi-schema-public.json)api.gocardless.com
Built from: GoCardless's documentation, read 23 October 2026docs.gocardless.com docs.gocardless.com
Service file: Version 1.0.0, signed (Ed25519)
Cached reads: 62 of 63 reads, for up to 5 minutes; a write clears what it affects
Shared entities: 5, so ask can line GoCardless up with your other systems
Data: Processed and stored in Sydney, Australia. No US region yet

Capabilities

What an AI agent can do in GoCardless.

138 actions in 45 areas. Every one carries its effect, so a key can allow the reads and hold the rest.

63readlook, never change
59writecreate and update
16destructivewait for a confirmation

Billing requests
13
2 read · 10 write · 1 destructive
Create a Billing Request · Create a Billing Request with Actions · List Billing Requests · Change currency
Outbound payments
8
3 read · 1 write · 4 destructive
Create an outbound payment · List outbound payments · Create a withdrawal outbound payment · Approve an outbound payment
Subscriptions
7
2 read · 4 write · 1 destructive
List subscriptions · Create a subscription · Get a single subscription · Update a subscription
Blocks
6
2 read · 3 write · 1 destructive
Create blocks by reference · Create a block · List multiple blocks · Enable a block
Instalment schedules
6
2 read · 3 write · 1 destructive
Create (with dates) · Create (with schedule) · List instalment schedules · Get a single instalment schedule
Mandates
6
2 read · 3 write · 1 destructive
Create a mandate · List mandates · Get a single mandate · Reinstate a mandate
Payments
6
2 read · 3 write · 1 destructive
List payments · Create a payment · Get a single payment · Update a payment
Customer bank accounts
5
2 read · 2 write · 1 destructive
Create a customer bank account · List customer bank accounts · Get a single customer bank account · Update a customer bank account

37 more areas · 81 actions

Customers 5
Payer authorisations 5
Billing request templates 4
Creditor bank accounts 4
Creditors 4
Mandate imports 4
Refunds 4
Outbound payment imports 3
Payouts 3
Redirect flows 3
Scheme identifiers 3
Webhooks 3
Bank account holder verifications 2
Bank authorisations 2
Billing request flows 2
Events 2
Exports 2
Institutions 2
Mandate import entries 2
Payment account transactions 2
Payment accounts 2
Tax rates 2
Verification details 2
Balances 1
Bank account details 1
Bank details lookups 1
Currency exchange rates 1
Customer notifications 1
Funds availability 1
Logos 1
Mandate PDFS 1
Negative balance limits 1
Outbound payment import entries 1
Payer themes 1
Payout items 1
Scenario simulators 1
Transferred mandates 1

Top actions

The GoCardless API, shaped for agents.

The ids your agent types, what each does, and the one name it shares with other systems. 32 of GoCardless's 32 action names are shared with at least one other connector, so an agent learns them once.

Action	What it does	Effect	Same name in
`gocardless.payments.list`List payments	List payments.	read	`finance.payment.list`75 connectors
`gocardless.subscriptions.list`List subscriptions	List subscriptions.	read	`finance.subscription.list`37 connectors
`gocardless.refunds.list`List refunds	List refunds.	read	`finance.refund.list`23 connectors
`gocardless.payouts.list`List payouts	List payouts.	read	`finance.payout.list`14 connectors
`gocardless.customers.list`List customers	List customers.	read	`commerce.customer.list`45 connectors
`gocardless.payments.create`Create a payment	Create a payment.	write	`finance.payment.create`67 connectors
`gocardless.subscriptions.create`Create a subscription	Create a subscription.	write	`finance.subscription.create`27 connectors
`gocardless.refunds.create`Create a refund	Create a refund.	destructive	`finance.refund.create`19 connectors
`gocardless.customers.create`Create a customer	Create a customer.	write	`commerce.customer.create`43 connectors
`gocardless.payouts.get`Get a single payout	Get a single payout.	read	`finance.payout.get`13 connectors
`gocardless.tax_rates.list`List tax rates	List tax rates.	read	`finance.tax_rate.list`36 connectors
`gocardless.creditor_bank_accounts.list`List creditor bank accounts	List creditor bank accounts.	read	`finance.bank_account.list`35 connectors

Try it

Prompts to paste into Claude.

Each one names the GoCardless actions it will call, so you know what it reads and what it changes before you send it.

Readread
List the payments recorded in GoCardless this month, largest first.
callsgocardless.payments.list
Writewrite
Create a payment in GoCardless. Show me exactly what you will send before you save it.
callsgocardless.payments.create

Governance for GoCardless

Destructive actions wait for a yes.

16 GoCardless actions are destructive. These are all of them:

Create a refundgocardless.refunds.create
Cancel a subscriptiongocardless.subscriptions.cancel
Remove a customergocardless.customers.remove
Cancel a paymentgocardless.payments.cancel
Create an outbound paymentgocardless.outbound_payments.create
Create a withdrawal outbound paymentgocardless.outbound_payments.withdraw
Simulate a scenariogocardless.scenario_simulators.run
Approve an outbound paymentgocardless.outbound_payments.approve
Disable a blockgocardless.blocks.disable
Disable a creditor bank accountgocardless.creditor_bank_accounts.disable
Disable a customer bank accountgocardless.customer_bank_accounts.disable
Cancel a mandategocardless.mandates.cancel
Cancel a mandate importgocardless.mandate_imports.cancel
Cancel a Billing Requestgocardless.billing_requests.cancel
Cancel an outbound paymentgocardless.outbound_payments.cancel
Cancel an instalment schedulegocardless.instalment_schedules.cancel

A destructive action runs only with confirm: true. Under the human policy the agent cannot confirm for itself: the run stops until a named person approves, in the console or from a signed link in an email. The cap on a key is refused before the call is sent, never after.

dogocardless.subscriptions.cancelconfirm_policy: human

Cancel a subscription?

intent: the user asked me to cancel a subscription

run suspended · waiting for a named person · key gocardless-agent cannot confirm itself

In the console, or from an emailed signed link.

a key for this connector

account {  op: "keys.create", name: "gocardless-agent",  allowed_actions: ["gocardless.*"], cap_calls: 2000,  confirm_policy: "human_for_writes",  approval_rules: [    { match: "gocardless.refunds.create", approver: "[email protected]" },    { match: "gocardless.subscriptions.cancel", approver: "[email protected]" },    { match: "gocardless.customers.remove", approver: "[email protected]" }  ]}

Illustrative. Scoped to GoCardless only, capped at 2,000 upstream calls, every write confirmed, and the destructive ones approved by a named person.

Cost

What GoCardless costs on actionlake.

Every GoCardless action is one upstream call, the only thing actionlake bills. Searching, check, cost, account and any call GoCardless refused with 401, 403, 429 or a 5xx are free. Paid plans start at US$49 a month for 250,000 calls, with overage from US$0.30 down to US$0.18 per 1,000.

1upstream call per actionall 138 GoCardless actions
138actions pageeach page of a long list is one call
62reads can be cacheda cache hit costs nothing
100,000calls a month, freepaid plans from US$49 a month for 250,000

See pricing

Action index

Every GoCardless action.

138 actions by area: the id your agent calls, what it does, and its effect.

Billing requests13

gocardless.billing_requests.cancelCancel a Billing Requestdestructive
gocardless.billing_requests.choose_currencyChange currencywrite
gocardless.billing_requests.collect_bank_accountCollect bank account detailswrite
gocardless.billing_requests.collect_customer_detailsCollect customer detailswrite
gocardless.billing_requests.confirm_payer_detailsConfirm the payer detailswrite
gocardless.billing_requests.createCreate a Billing Requestwrite
gocardless.billing_requests.create_with_actionsCreate a Billing Request with Actionswrite
gocardless.billing_requests.fallbackTrigger fallbackwrite
gocardless.billing_requests.fulfilFulfil a Billing Requestwrite
gocardless.billing_requests.getGet a single Billing Requestread
gocardless.billing_requests.listList Billing Requestsread
gocardless.billing_requests.notifyNotify the customerwrite
gocardless.billing_requests.select_institutionSelect institution for a Billing Requestwrite

Outbound payments8

gocardless.outbound_payments.approveApprove an outbound paymentdestructive
gocardless.outbound_payments.cancelCancel an outbound paymentdestructive
gocardless.outbound_payments.createCreate an outbound paymentdestructive
gocardless.outbound_payments.getGet an outbound paymentread
gocardless.outbound_payments.listList outbound paymentsread
gocardless.outbound_payments.statsOutbound payment statisticsread
gocardless.outbound_payments.updateUpdate an outbound paymentwrite
gocardless.outbound_payments.withdrawCreate a withdrawal outbound paymentdestructive

Subscriptions7

gocardless.subscriptions.cancelCancel a subscriptiondestructive
gocardless.subscriptions.createCreate a subscriptionwrite
gocardless.subscriptions.getGet a single subscriptionread
gocardless.subscriptions.listList subscriptionsread
gocardless.subscriptions.pausePause a subscriptionwrite
gocardless.subscriptions.resumeResume a subscriptionwrite
gocardless.subscriptions.updateUpdate a subscriptionwrite

Blocks6

gocardless.blocks.block_by_refCreate blocks by referencewrite
gocardless.blocks.createCreate a blockwrite
gocardless.blocks.disableDisable a blockdestructive
gocardless.blocks.enableEnable a blockwrite
gocardless.blocks.getGet a single blockread
gocardless.blocks.listList multiple blocksread

Instalment schedules6

gocardless.instalment_schedules.cancelCancel an instalment scheduledestructive
gocardless.instalment_schedules.create_with_datesCreate (with dates)write
gocardless.instalment_schedules.create_with_scheduleCreate (with schedule)write
gocardless.instalment_schedules.getGet a single instalment scheduleread
gocardless.instalment_schedules.listList instalment schedulesread
gocardless.instalment_schedules.updateUpdate an instalment schedulewrite

Mandates6

gocardless.mandates.cancelCancel a mandatedestructive
gocardless.mandates.createCreate a mandatewrite
gocardless.mandates.getGet a single mandateread
gocardless.mandates.listList mandatesread
gocardless.mandates.reinstateReinstate a mandatewrite
gocardless.mandates.updateUpdate a mandatewrite

Payments6

gocardless.payments.cancelCancel a paymentdestructive
gocardless.payments.createCreate a paymentwrite
gocardless.payments.getGet a single paymentread
gocardless.payments.listList paymentsread
gocardless.payments.retryRetry a paymentwrite
gocardless.payments.updateUpdate a paymentwrite

Customer bank accounts5

gocardless.customer_bank_accounts.createCreate a customer bank accountwrite
gocardless.customer_bank_accounts.disableDisable a customer bank accountdestructive
gocardless.customer_bank_accounts.getGet a single customer bank accountread
gocardless.customer_bank_accounts.listList customer bank accountsread
gocardless.customer_bank_accounts.updateUpdate a customer bank accountwrite

Customers5

gocardless.customers.createCreate a customerwrite
gocardless.customers.getGet a single customerread
gocardless.customers.listList customersread
gocardless.customers.removeRemove a customerdestructive
gocardless.customers.updateUpdate a customerwrite

Payer authorisations5

gocardless.payer_authorisations.confirmConfirm a Payer Authorisationwrite
gocardless.payer_authorisations.createCreate a Payer Authorisationwrite
gocardless.payer_authorisations.getGet a single Payer Authorisationread
gocardless.payer_authorisations.submitSubmit a Payer Authorisationwrite
gocardless.payer_authorisations.updateUpdate a Payer Authorisationwrite

Billing request templates4

gocardless.billing_request_templates.createCreate a Billing Request Templatewrite
gocardless.billing_request_templates.getGet a single Billing Request Templateread
gocardless.billing_request_templates.listList Billing Request Templatesread
gocardless.billing_request_templates.updateUpdate a Billing Request Templatewrite

Creditor bank accounts4

gocardless.creditor_bank_accounts.createCreate a creditor bank accountwrite
gocardless.creditor_bank_accounts.disableDisable a creditor bank accountdestructive
gocardless.creditor_bank_accounts.getGet a single creditor bank accountread
gocardless.creditor_bank_accounts.listList creditor bank accountsread

Creditors4

gocardless.creditors.createCreate a creditorwrite
gocardless.creditors.getGet a single creditorread
gocardless.creditors.listList creditorsread
gocardless.creditors.updateUpdate a creditorwrite

Mandate imports4

gocardless.mandate_imports.cancelCancel a mandate importdestructive
gocardless.mandate_imports.createCreate a new mandate importwrite
gocardless.mandate_imports.getGet a mandate importread
gocardless.mandate_imports.submitSubmit a mandate importwrite

Refunds4

gocardless.refunds.createCreate a refunddestructive
gocardless.refunds.getGet a single refundread
gocardless.refunds.listList refundsread
gocardless.refunds.updateUpdate a refundwrite

Outbound payment imports3

gocardless.outbound_payment_imports.createCreate an outbound payment importwrite
gocardless.outbound_payment_imports.getGet an outbound payment importread
gocardless.outbound_payment_imports.listList outbound payment importsread

Payouts3

gocardless.payouts.getGet a single payoutread
gocardless.payouts.listList payoutsread
gocardless.payouts.updateUpdate a payoutwrite

Redirect flows3

gocardless.redirect_flows.completeComplete a redirect flowwrite
gocardless.redirect_flows.createCreate a redirect flowwrite
gocardless.redirect_flows.getGet a single redirect flowread

Scheme identifiers3

gocardless.scheme_identifiers.createCreate a scheme identifierwrite
gocardless.scheme_identifiers.getGet a single scheme identifierread
gocardless.scheme_identifiers.listList scheme identifiersread

Webhooks3

gocardless.webhooks.getGet a single webhookread
gocardless.webhooks.listList webhooksread
gocardless.webhooks.retryRetry a webhookwrite

Bank account holder verifications2

gocardless.bank_account_holder_verifications.createCreate a bank account holder verificationwrite
gocardless.bank_account_holder_verifications.getGet a bank account holder verificationread

Bank authorisations2

gocardless.bank_authorisations.createCreate a Bank Authorisationwrite
gocardless.bank_authorisations.getGet a Bank Authorisationread

Billing request flows2

gocardless.billing_request_flows.createCreate a Billing Request Flowwrite
gocardless.billing_request_flows.initialiseInitialise a Billing Request Flowwrite

Events2

gocardless.events.getGet a single eventread
gocardless.events.listList eventsread

Exports2

gocardless.exports.getGet a single exportread
gocardless.exports.listList exportsread

Institutions2

gocardless.institutions.listList Institutionsread
gocardless.institutions.list_for_billing_requestList institutions for Billing Requestread

Mandate import entries2

gocardless.mandate_import_entries.createAdd a mandate import entrywrite
gocardless.mandate_import_entries.listList all mandate import entriesread

Payment account transactions2

gocardless.payment_account_transactions.getGet a single payment account transactionread
gocardless.payment_account_transactions.listList payment account transactionsread

Payment accounts2

gocardless.payment_accounts.getGet a single payment account detailsread
gocardless.payment_accounts.listList payment accountsread

Tax rates2

gocardless.tax_rates.getGet a single tax rateread
gocardless.tax_rates.listList tax ratesread

Verification details2

gocardless.verification_details.createCreate a verification detailwrite
gocardless.verification_details.listList verification detailsread

Balances1

gocardless.balances.listList balancesread

Bank account details1

gocardless.bank_account_details.getGet encrypted bank detailsread

Bank details lookups1

gocardless.bank_details_lookups.createPerform a bank details lookupread

Currency exchange rates1

gocardless.currency_exchange_rates.listList exchange ratesread

Customer notifications1

gocardless.customer_notifications.handleHandle a notificationwrite

Funds availability1

gocardless.funds_availability.checkFunds availabilityread

Logos1

gocardless.logos.createCreate a logo associated with a creditorwrite

Mandate PDFS1

gocardless.mandate_pdfs.createCreate a mandate PDFwrite

Negative balance limits1

gocardless.negative_balance_limits.listList negative balance limitsread

Outbound payment import entries1

gocardless.outbound_payment_import_entries.listList outbound payment import entriesread

Payer themes1

gocardless.payer_themes.createCreate a payer theme associated with a creditorwrite

Payout items1

gocardless.payout_items.listGet all payout items in a single payoutread

Scenario simulators1

gocardless.scenario_simulators.runSimulate a scenariodestructive

Transferred mandates1

gocardless.transferred_mandates.getGet updated customer bank detailsread

Questions

The GoCardless MCP server, answered.

Is there a GoCardless MCP server for Claude?

Yes. actionlake is an MCP gateway: a remote MCP server that gives Claude, or another MCP client, 138 GoCardless actions across billing requests, outbound payments, subscriptions and blocks, through the same eight tools it uses for every other connector. actionlake is independent; it is not made or endorsed by GoCardless.

What do I need to connect GoCardless?

GoCardless access token. Plus your host. The free call account { op: "connections.requirements", service: "gocardless" } lists exactly what to paste.

Can an AI agent delete or change things in GoCardless?

Only if its key allows it, and only with an explicit confirmation. 16 GoCardless actions are destructive, including create a refund, cancel a subscription and remove a customer. Each runs only with confirm: true. Under the human confirm policy, or an approval rule on the key, the run waits until a named person approves it.

Will an AI agent use up my GoCardless API limit?

actionlake paces every call to the limits in the GoCardless service file: 1,000 calls a minute per connection. Repeated reads are answered from cache (62 GoCardless actions can be), which never reaches GoCardless.

What does a GoCardless action cost?

One upstream call, the only unit actionlake bills. A list that pages bills one call per page (138 GoCardless actions page). Cache hits, searches, dry runs and calls GoCardless refused with 401, 403, 429 or a 5xx are free. The Free plan includes 100,000 calls a month with no card. Paid plans start at US$49 a month for 250,000 calls, with overage from US$0.30 down to US$0.18 per 1,000.

Which GoCardless API does it cover?

The GoCardless API 2015-07-06 (OpenAPI 3.0.0, openapi-schema-public.json) at api.gocardless.com by default, or the base URL set when you connect. It is built from GoCardless's documentation as read on 23 October 2026. 138 actions in 45 areas, each one in the signed service file (version 1.0.0).

Does actionlake keep my GoCardless data, and where?

actionlake processes and stores data in Sydney, Australia; there is no US region yet. Reads may be cached for up to 5 minutes, and a write clears the reads it affects. Each run's request and response is kept, sealed, for your plan's trace window: 1 day on Free, 3 days on Starter, 7 days on Pro, 14 days on Team, 30 days on Business and 30 days on Enterprise. Your GoCardless credential is sealed under your tenant's key, never logged and never returned. Your traffic is not used to train models.

Which AI clients can use it?

Claude Code, tested by us end to end, and the Claude app as a custom connector, tested by us with an existing key. Other MCP clients that support remote servers over Streamable HTTP (MCP revisions 2025-06-18 and 2025-11-25) and OAuth dynamic client registration, or a bearer header, should connect the same way; we have not tested them. Or plain REST, under the same action names.

Give your agent GoCardless today.

Connect GoCardless free See pricing

Start free - 100,000 calls/month, no card. No signup. Hard caps on every key. Cached answers are free.

GoCardless MCP server for AI agents.

Connect GoCardless in three steps.

Add actionlake to Claude.

Connect GoCardless.

Make the first call. Check before a write.

What an AI agent can do in GoCardless.

Billing requests

Outbound payments

Subscriptions

Blocks

Instalment schedules

Mandates

Payments

Customer bank accounts