--- title: "GoCardless MCP server for AI agents - actionlake" description: "Give Claude 138 GoCardless actions through one MCP server: billing requests. Your agent never holds the credential. 100,000 calls a month free." canonical: https://actionlake.com/connectors/gocardless updated: 2026-10-23 --- 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](https://actionlake.com/console?start=sandbox) [See pricing](https://actionlake.com/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` the first call ``` do { action: "gocardless.payments.list", intent: "check which GoCardless account is connected" } # List payments · read · 1 upstream call ``` - 138 actions in one signed file - 63 read look, never change - 59 write create and update - 16 wait for a yes destructive, confirmed first Set up ## Connect GoCardless in three steps. 1. 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` 2. 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_token` GoCardless access token - `host` Where your GoCardless lives: your host ``` account { op: "connections.requirements", service: "gocardless" } # free: exactly what to paste, and what is found for you ``` 3. 03 ### 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 call check { 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 2026[docs.gocardless.com](https://docs.gocardless.com/openapi-schema-public.json) [docs.gocardless.com](https://docs.gocardless.com/docs/api-reference) **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. - **63** read look, never change - **59** write create and update - **16** destructive wait for a confirmation 1. ### Billing requests 13 2 read · 10 write · 1 destructive Create a Billing Request · Create a Billing Request with Actions · List Billing Requests · Change currency 2. ### 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 3. ### Subscriptions 7 2 read · 4 write · 1 destructive List subscriptions · Create a subscription · Get a single subscription · Update a subscription 4. ### Blocks 6 2 read · 3 write · 1 destructive Create blocks by reference · Create a block · List multiple blocks · Enable a block 5. ### Instalment schedules 6 2 read · 3 write · 1 destructive Create (with dates) · Create (with schedule) · List instalment schedules · Get a single instalment schedule 6. ### Mandates 6 2 read · 3 write · 1 destructive Create a mandate · List mandates · Get a single mandate · Reinstate a mandate 7. ### Payments 6 2 read · 3 write · 1 destructive List payments · Create a payment · Get a single payment · Update a payment 8. ### 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. 1. Read read List the payments recorded in GoCardless this month, largest first. calls `gocardless.payments.list` 2. Write write Create a payment in GoCardless. Show me exactly what you will send before you save it. calls `gocardless.payments.create` Governance for GoCardless ## Destructive actions wait for a yes. 16 GoCardless actions are destructive. These are all of them: - Create a refund `gocardless.refunds.create` - Cancel a subscription `gocardless.subscriptions.cancel` - Remove a customer `gocardless.customers.remove` - Cancel a payment `gocardless.payments.cancel` - Create an outbound payment `gocardless.outbound_payments.create` - Create a withdrawal outbound payment `gocardless.outbound_payments.withdraw` - Simulate a scenario `gocardless.scenario_simulators.run` - Approve an outbound payment `gocardless.outbound_payments.approve` - Disable a block `gocardless.blocks.disable` - Disable a creditor bank account `gocardless.creditor_bank_accounts.disable` - Disable a customer bank account `gocardless.customer_bank_accounts.disable` - Cancel a mandate `gocardless.mandates.cancel` - Cancel a mandate import `gocardless.mandate_imports.cancel` - Cancel a Billing Request `gocardless.billing_requests.cancel` - Cancel an outbound payment `gocardless.outbound_payments.cancel` - Cancel an instalment schedule `gocardless.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. do gocardless.subscriptions.cancel confirm_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: "lead@example.com" }, { match: "gocardless.subscriptions.cancel", approver: "lead@example.com" }, { match: "gocardless.customers.remove", approver: "lead@example.com" } ] } ``` 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. - 1 upstream call per action all 138 GoCardless actions - 138 actions page each page of a long list is one call - 62 reads can be cached a cache hit costs nothing - 100,000 calls a month, free paid plans from US$49 a month for 250,000 [See pricing](https://actionlake.com/pricing) Action index ## Every GoCardless action. 138 actions by area: the id your agent calls, what it does, and its effect. **Billing requests 13** - `gocardless.billing_requests.cancel` Cancel a Billing Request destructive - `gocardless.billing_requests.choose_currency` Change currency write - `gocardless.billing_requests.collect_bank_account` Collect bank account details write - `gocardless.billing_requests.collect_customer_details` Collect customer details write - `gocardless.billing_requests.confirm_payer_details` Confirm the payer details write - `gocardless.billing_requests.create` Create a Billing Request write - `gocardless.billing_requests.create_with_actions` Create a Billing Request with Actions write - `gocardless.billing_requests.fallback` Trigger fallback write - `gocardless.billing_requests.fulfil` Fulfil a Billing Request write - `gocardless.billing_requests.get` Get a single Billing Request read - `gocardless.billing_requests.list` List Billing Requests read - `gocardless.billing_requests.notify` Notify the customer write - `gocardless.billing_requests.select_institution` Select institution for a Billing Request write **Outbound payments 8** - `gocardless.outbound_payments.approve` Approve an outbound payment destructive - `gocardless.outbound_payments.cancel` Cancel an outbound payment destructive - `gocardless.outbound_payments.create` Create an outbound payment destructive - `gocardless.outbound_payments.get` Get an outbound payment read - `gocardless.outbound_payments.list` List outbound payments read - `gocardless.outbound_payments.stats` Outbound payment statistics read - `gocardless.outbound_payments.update` Update an outbound payment write - `gocardless.outbound_payments.withdraw` Create a withdrawal outbound payment destructive **Subscriptions 7** - `gocardless.subscriptions.cancel` Cancel a subscription destructive - `gocardless.subscriptions.create` Create a subscription write - `gocardless.subscriptions.get` Get a single subscription read - `gocardless.subscriptions.list` List subscriptions read - `gocardless.subscriptions.pause` Pause a subscription write - `gocardless.subscriptions.resume` Resume a subscription write - `gocardless.subscriptions.update` Update a subscription write **Blocks 6** - `gocardless.blocks.block_by_ref` Create blocks by reference write - `gocardless.blocks.create` Create a block write - `gocardless.blocks.disable` Disable a block destructive - `gocardless.blocks.enable` Enable a block write - `gocardless.blocks.get` Get a single block read - `gocardless.blocks.list` List multiple blocks read **Instalment schedules 6** - `gocardless.instalment_schedules.cancel` Cancel an instalment schedule destructive - `gocardless.instalment_schedules.create_with_dates` Create (with dates) write - `gocardless.instalment_schedules.create_with_schedule` Create (with schedule) write - `gocardless.instalment_schedules.get` Get a single instalment schedule read - `gocardless.instalment_schedules.list` List instalment schedules read - `gocardless.instalment_schedules.update` Update an instalment schedule write **Mandates 6** - `gocardless.mandates.cancel` Cancel a mandate destructive - `gocardless.mandates.create` Create a mandate write - `gocardless.mandates.get` Get a single mandate read - `gocardless.mandates.list` List mandates read - `gocardless.mandates.reinstate` Reinstate a mandate write - `gocardless.mandates.update` Update a mandate write **Payments 6** - `gocardless.payments.cancel` Cancel a payment destructive - `gocardless.payments.create` Create a payment write - `gocardless.payments.get` Get a single payment read - `gocardless.payments.list` List payments read - `gocardless.payments.retry` Retry a payment write - `gocardless.payments.update` Update a payment write **Customer bank accounts 5** - `gocardless.customer_bank_accounts.create` Create a customer bank account write - `gocardless.customer_bank_accounts.disable` Disable a customer bank account destructive - `gocardless.customer_bank_accounts.get` Get a single customer bank account read - `gocardless.customer_bank_accounts.list` List customer bank accounts read - `gocardless.customer_bank_accounts.update` Update a customer bank account write **Customers 5** - `gocardless.customers.create` Create a customer write - `gocardless.customers.get` Get a single customer read - `gocardless.customers.list` List customers read - `gocardless.customers.remove` Remove a customer destructive - `gocardless.customers.update` Update a customer write **Payer authorisations 5** - `gocardless.payer_authorisations.confirm` Confirm a Payer Authorisation write - `gocardless.payer_authorisations.create` Create a Payer Authorisation write - `gocardless.payer_authorisations.get` Get a single Payer Authorisation read - `gocardless.payer_authorisations.submit` Submit a Payer Authorisation write - `gocardless.payer_authorisations.update` Update a Payer Authorisation write **Billing request templates 4** - `gocardless.billing_request_templates.create` Create a Billing Request Template write - `gocardless.billing_request_templates.get` Get a single Billing Request Template read - `gocardless.billing_request_templates.list` List Billing Request Templates read - `gocardless.billing_request_templates.update` Update a Billing Request Template write **Creditor bank accounts 4** - `gocardless.creditor_bank_accounts.create` Create a creditor bank account write - `gocardless.creditor_bank_accounts.disable` Disable a creditor bank account destructive - `gocardless.creditor_bank_accounts.get` Get a single creditor bank account read - `gocardless.creditor_bank_accounts.list` List creditor bank accounts read **Creditors 4** - `gocardless.creditors.create` Create a creditor write - `gocardless.creditors.get` Get a single creditor read - `gocardless.creditors.list` List creditors read - `gocardless.creditors.update` Update a creditor write **Mandate imports 4** - `gocardless.mandate_imports.cancel` Cancel a mandate import destructive - `gocardless.mandate_imports.create` Create a new mandate import write - `gocardless.mandate_imports.get` Get a mandate import read - `gocardless.mandate_imports.submit` Submit a mandate import write **Refunds 4** - `gocardless.refunds.create` Create a refund destructive - `gocardless.refunds.get` Get a single refund read - `gocardless.refunds.list` List refunds read - `gocardless.refunds.update` Update a refund write **Outbound payment imports 3** - `gocardless.outbound_payment_imports.create` Create an outbound payment import write - `gocardless.outbound_payment_imports.get` Get an outbound payment import read - `gocardless.outbound_payment_imports.list` List outbound payment imports read **Payouts 3** - `gocardless.payouts.get` Get a single payout read - `gocardless.payouts.list` List payouts read - `gocardless.payouts.update` Update a payout write **Redirect flows 3** - `gocardless.redirect_flows.complete` Complete a redirect flow write - `gocardless.redirect_flows.create` Create a redirect flow write - `gocardless.redirect_flows.get` Get a single redirect flow read **Scheme identifiers 3** - `gocardless.scheme_identifiers.create` Create a scheme identifier write - `gocardless.scheme_identifiers.get` Get a single scheme identifier read - `gocardless.scheme_identifiers.list` List scheme identifiers read **Webhooks 3** - `gocardless.webhooks.get` Get a single webhook read - `gocardless.webhooks.list` List webhooks read - `gocardless.webhooks.retry` Retry a webhook write **Bank account holder verifications 2** - `gocardless.bank_account_holder_verifications.create` Create a bank account holder verification write - `gocardless.bank_account_holder_verifications.get` Get a bank account holder verification read **Bank authorisations 2** - `gocardless.bank_authorisations.create` Create a Bank Authorisation write - `gocardless.bank_authorisations.get` Get a Bank Authorisation read **Billing request flows 2** - `gocardless.billing_request_flows.create` Create a Billing Request Flow write - `gocardless.billing_request_flows.initialise` Initialise a Billing Request Flow write **Events 2** - `gocardless.events.get` Get a single event read - `gocardless.events.list` List events read **Exports 2** - `gocardless.exports.get` Get a single export read - `gocardless.exports.list` List exports read **Institutions 2** - `gocardless.institutions.list` List Institutions read - `gocardless.institutions.list_for_billing_request` List institutions for Billing Request read **Mandate import entries 2** - `gocardless.mandate_import_entries.create` Add a mandate import entry write - `gocardless.mandate_import_entries.list` List all mandate import entries read **Payment account transactions 2** - `gocardless.payment_account_transactions.get` Get a single payment account transaction read - `gocardless.payment_account_transactions.list` List payment account transactions read **Payment accounts 2** - `gocardless.payment_accounts.get` Get a single payment account details read - `gocardless.payment_accounts.list` List payment accounts read **Tax rates 2** - `gocardless.tax_rates.get` Get a single tax rate read - `gocardless.tax_rates.list` List tax rates read **Verification details 2** - `gocardless.verification_details.create` Create a verification detail write - `gocardless.verification_details.list` List verification details read **Balances 1** - `gocardless.balances.list` List balances read **Bank account details 1** - `gocardless.bank_account_details.get` Get encrypted bank details read **Bank details lookups 1** - `gocardless.bank_details_lookups.create` Perform a bank details lookup read **Currency exchange rates 1** - `gocardless.currency_exchange_rates.list` List exchange rates read **Customer notifications 1** - `gocardless.customer_notifications.handle` Handle a notification write **Funds availability 1** - `gocardless.funds_availability.check` Funds availability read **Logos 1** - `gocardless.logos.create` Create a logo associated with a creditor write **Mandate PDFS 1** - `gocardless.mandate_pdfs.create` Create a mandate PDF write **Negative balance limits 1** - `gocardless.negative_balance_limits.list` List negative balance limits read **Outbound payment import entries 1** - `gocardless.outbound_payment_import_entries.list` List outbound payment import entries read **Payer themes 1** - `gocardless.payer_themes.create` Create a payer theme associated with a creditor write **Payout items 1** - `gocardless.payout_items.list` Get all payout items in a single payout read **Scenario simulators 1** - `gocardless.scenario_simulators.run` Simulate a scenario destructive **Transferred mandates 1** - `gocardless.transferred_mandates.get` Get updated customer bank details read 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. ## More connectors like GoCardless Shares the most action names with - [Airwallex 24](https://actionlake.com/connectors/airwallex) - [Mollie 20](https://actionlake.com/connectors/mollie) - [Razorpay 18](https://actionlake.com/connectors/razorpay) - [Recurly 12](https://actionlake.com/connectors/recurly) - [TaxJar 11](https://actionlake.com/connectors/taxjar) - [Maxio Advanced Billing 11](https://actionlake.com/connectors/maxio-advanced-billing) Joins with, on shared entities - [Shopify Admin 3](https://actionlake.com/connectors/shopify-admin) - [WooCommerce 2](https://actionlake.com/connectors/woocommerce) - [EasyPost 2](https://actionlake.com/connectors/easypost) - [Recharge 2](https://actionlake.com/connectors/recharge) - [Dub 2](https://actionlake.com/connectors/dub) - [HaloPSA 1](https://actionlake.com/connectors/halopsa) Browse - [All Accounting & finance connectors](https://actionlake.com/connectors/category/accounting-and-finance) - [All connectors](https://actionlake.com/connectors) - [How actionlake compares](https://actionlake.com/compare) actionlake is independent. It is not made or endorsed by GoCardless; the name is the vendor's own. Counts are from the GoCardless service file, version 1.0.0. ## Give your agent GoCardless today. [Connect GoCardless free](https://actionlake.com/console?start=sandbox) [See pricing](https://actionlake.com/pricing) Start free - 100,000 calls/month, no card. No signup. Hard caps on every key. Cached answers are free. --- Source: https://actionlake.com/connectors/gocardless More: https://actionlake.com/llms.txt