Integration · Payments

Connect Claude & ChatGPT to GoCardless

Ask your AI which Direct Debit payments failed this week, what a payout contained or whether a customer has an active mandate, and it reads the answer from GoCardless. It can create customers and billing requests, collect one-off payments, set up subscriptions and retry or refund payments, with your approval if you want it.

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Try asking

“Which payments failed this week?”
The AI lists payments with status failed in that date range, with customer and amount.
“Retry Oakfield Dental's failed payment on the 1st.”
It retries the payment with that charge date. The customer's bank account is debited again.
“Set up Direct Debit for our new client, Nordlys ApS.”
It creates a billing request for a mandate and a link to the hosted page, which you send to the customer to authorise.

What your AI can do

Customers and mandates

Search, create and update customers, check mandates and their next possible charge date, and start billing requests with a link the customer uses to authorise.

Payments and subscriptions

Collect one-off payments, retry failed ones, cancel pending ones, and create, update or cancel subscriptions.

Payouts and refunds

List payouts and the payments, refunds and fees in each one, and refund a payment.

“Charge Nordlys 2,500 DKK for the setup fee.”
It finds the customer's active mandate and creates a one-off payment. The amount is debited from their bank account.
“What was in last Friday's payout?”
It finds the payout and lists the payments, refunds and fees included in it.
“Cancel the subscription for Oakfield Dental.”
It finds the subscription and cancels it, so no further payments are created. This cannot be undone.

130 tools for GoCardless

These tools are switched on when you connect. You can switch any of them off, or require your approval before it runs.

approve_paymentVisible to othersApprove a payment (outbound payment id). Has effects visible outside this system. API summary: Approve an outbound payment.
approve_payment_payer_detailsVisible to othersConfirm a payment (billing request id). Has effects visible outside this system. API summary: Confirm the payer details.
archive_paymentVisible to othersDisable a payment (block id). Has effects visible outside this system. API summary: Disable a block.
archive_payment_disableVisible to othersDisable a payment (creditor bank account id). Has effects visible outside this system. API summary: Disable a creditor bank account.
archive_payment_disable_customer_bank_accountVisible to othersDisable a payment (customer bank account id). Has effects visible outside this system. API summary: Disable a customer bank account.
cancel_a_mandateDeletesCancel a payment (mandate id). Destructive action; may require approval. API summary: Cancel a mandate.
cancel_a_mandate_importDeletesCancel a payment (mandate import id). Destructive action; may require approval. API summary: Cancel a mandate import.
cancel_an_instalment_scheduleDeletesCancel a payment (instalment schedule id). Destructive action; may require approval. API summary: Cancel an instalment schedule.
cancel_an_outbound_paymentDeletesCancel a payment (outbound payment id). Destructive action; may require approval. API summary: Cancel an outbound payment.
cancel_paymentDeletesCancel a payment by `payment_id` that has not yet been submitted to the bank (status pending_submission). Cannot be undone.
cancel_payment_2DeletesCancel a payment (billing request id). Destructive action; may require approval. API summary: Cancel a Billing Request.
cancel_subscriptionDeletesCancel a subscription by `subscription_id`; no further payments are created. Cannot be undone.
create_a_creditor_bank_accountChanges dataCreate a new account. Required: go cardless version. API summary: Create a creditor bank account.
create_a_customer_bank_accountChanges dataCreate a new account. Required: go cardless version. API summary: Create a customer bank account.
create_a_withdrawal_outbound_paymentChanges dataCreate a new payment. Required: go cardless version. API summary: Create a withdrawal outbound payment.
create_accountChanges dataCreate a new account. Required: go cardless version. API summary: Create a bank account holder verification.
create_account_collect_bank_account_billing_requestChanges dataCreate a new account. Required: go cardless version. API summary: Collect bank account details.
create_an_outbound_payment_importChanges dataCreate a new payment. Required: go cardless version. API summary: Create an outbound payment import.
create_bank_authorisationChanges dataCreate a new bank authorisation. Required: go cardless version. API summary: Create a Bank Authorisation.
create_bank_details_lookupChanges dataCreate a new bank details lookup. Required: go cardless version. API summary: Perform a bank details lookup.
create_billing_requestChanges dataStart collecting a mandate and/or a one-off payment from a customer: pass `billing_requests` with mandate_request {scheme, currency} and/or payment_request {amount in pence/cents, currency, description}, plus links {customer} if known.
create_billing_request_linkChanges dataCreate a hosted page link for a billing request, which you send to the customer to authorise it: pass `billing_request_flows` {redirect_uri, links {billing_request}}. Returns authorisation_url.
create_billing_request_templateChanges dataCreate a new billing request template. Required: go cardless version. API summary: Create a Billing Request Template.
create_billing_request_with_actionsChanges dataCreate a new billing request. Required: go cardless version. API summary: Create a Billing Request with Actions.
create_blockChanges dataCreate a new block. Required: go cardless version. API summary: Create a block.
create_block_by_refChanges dataCreate a new block by ref. Required: go cardless version. API summary: Create blocks by reference.
create_choose_currencyChanges dataCreate a new choose currency. Required: go cardless version. API summary: Change currency.
create_collect_customer_detailChanges dataCreate a new collect customer detail. Required: go cardless version. API summary: Collect customer details.
create_customerChanges dataCreate a customer: pass `customers` {email, given_name, family_name or company_name, address_line1, city, postal_code, country_code}. To also collect a mandate, prefer create_billing_request.
create_customer_handle_customer_notificationChanges dataCreate a new customer. Required: go cardless version. API summary: Handle a notification.
create_fallbackChanges dataCreate a new fallback. Required: go cardless version. API summary: Trigger fallback.
create_initialiseChanges dataCreate a new initialise. Required: go cardless version. API summary: Initialise a Billing Request Flow.
create_instalment_schedule_with_datesChanges dataCreate a new instalment schedule. Required: go cardless version. API summary: Create (with dates).
create_instalment_schedule_with_scheduleChanges dataCreate a new instalment schedule. Required: go cardless version. API summary: Create (with schedule).
create_logoChanges dataCreate a new logo. Required: go cardless version. API summary: Create a logo associated with a creditor.
create_mandateChanges dataCreate a new mandate. Required: go cardless version. API summary: Create a mandate.
create_mandate_importChanges dataCreate a new mandate import. Required: go cardless version.
create_mandate_pdfChanges dataCreate a new mandate pdf. Required: go cardless version. API summary: Create a mandate PDF.
create_pageChanges dataCreate a new page. Required: go cardless version. API summary: Add a mandate import entry.
create_payer_themeChanges dataCreate a new payer theme. Required: go cardless version. API summary: Create a payer theme associated with a creditor.
create_paymentChanges dataCollect a one-off payment against an active mandate: pass `payments` {amount in pence/cents, currency, description, charge_date (optional), links {mandate}}. The customer's bank account is debited.
create_payment_2Changes dataCreate a new payment. Required: go cardless version. API summary: Create an outbound payment.
create_payment_retry_webhookDeletesCreate a new payment. Required: go cardless version. Destructive action; may require approval. API summary: Retry a webhook.
create_reinstateChanges dataCreate a new reinstate. Required: go cardless version. API summary: Reinstate a mandate.
create_runChanges dataCreate a new run. Required: go cardless version. API summary: Simulate a scenario.
create_scheme_identifierChanges dataCreate a new scheme identifier. Required: go cardless version. API summary: Create a scheme identifier.
create_select_institutionChanges dataCreate a new select institution. Required: go cardless version. API summary: Select institution for a Billing Request.
create_subscriptionChanges dataCreate a recurring subscription on an active mandate: pass `subscriptions` {amount in pence/cents, currency, name, interval_unit (weekly, monthly, yearly), day_of_month, links {mandate}}. The customer is charged automatically.
create_subscription_pause_subscriptionChanges dataCreate a new subscription. Required: go cardless version. API summary: Pause a subscription.
create_subscription_resume_subscriptionChanges dataCreate a new subscription. Required: go cardless version. API summary: Resume a subscription.
create_supplierChanges dataCreate a new supplier. Required: go cardless version. API summary: Create a creditor.
create_verification_detailChanges dataCreate a new verification detail. Required: go cardless version. API summary: Create a verification detail.
delete_customerDeletesPermanently delete a customer by customer id. Destructive action; may require approval. API summary: Remove a customer.
get_a_bank_account_holder_verificationGet one account by account id. API summary: Get a bank account holder verification.
get_a_single_creditor_bank_accountGet one account by account id. API summary: Get a single creditor bank account.
get_a_single_customer_bank_accountGet one account by account id. API summary: Get a single customer bank account.
get_a_single_payment_account_detailsGet one account by account id. API summary: Get a single payment account details.
get_a_single_payment_account_transactionGet one payment by payment id. API summary: Get a single payment account transaction.
get_accountGet one account by customer bank account id. API summary: Get encrypted bank details.
get_an_outbound_payment_importGet one payment by payment id. API summary: Get an outbound payment import.
get_bank_authorisationGet one bank authorisation by bank authorisation id. API summary: Get a Bank Authorisation.
get_billing_requestGet one billing request by `billing_request_id` (BRQ...), with its status and the resulting mandate/payment.
get_billing_request_templateGet one billing request template by billing request template id. API summary: Get a single Billing Request Template.
get_blockGet one block by block id. API summary: Get a single block.
get_creditorList your creditor account(s) in GoCardless (your business as the party collecting payments), with name and scheme identifiers.
get_customerGet one customer by `customer_id` (CU...), with name, email and address.
get_eventGet one event by event id. API summary: Get a single event.
get_exportGet one export by export id. API summary: Get a single export.
get_funds_availabilityGet one funds availability by mandate id.
get_instalment_scheduleGet one instalment schedule by instalment schedule id. API summary: Get a single instalment schedule.
get_mandateGet one mandate by `mandate_id` (MD...), with status, scheme and next possible charge date.
get_mandate_importGet one mandate import by mandate import id. API summary: Get a mandate import.
get_paymentGet one payment by `payment_id` (PM...), with amount, charge date, status and payout.
get_payment_2Get one payment by payment id. API summary: Get an outbound payment.
get_payoutGet one payout by `payout_id` (PO...), with amount, fees and arrival date. Read-only.
get_refundGet one refund by refund id. API summary: Get a single refund.
get_scheme_identifierGet one scheme identifier by scheme identifier id. API summary: Get a single scheme identifier.
get_subscriptionGet one subscription by `subscription_id` (SB...), with amount, interval, status and upcoming payments.
get_supplierGet one supplier by supplier id. API summary: Get a single creditor.
get_tax_rateGet one tax rate by tax rate id. API summary: Get a single tax rate.
get_transferred_mandateGet one transferred mandate by mandate id. API summary: Get updated customer bank details.
get_webhookGet one webhook by webhook id. API summary: Get a single webhook.
list_account_paymentsList payments for a account. Optional filters: before, value date from, value date to or direction. Results are paginated. API summary: List payment account transactions.
list_accountsList accounts. Optional filters: before, created at, creditor or enabled. Results are paginated. API summary: List creditor bank accounts.
list_balancesList balances. Optional filters: before or creditor. Results are paginated.
list_billing_request_templatesList billing request templates. Optional filters: before or payment request scheme. Results are paginated.
list_billing_requestsList billing requests, filtered by `status` or `customer`.
list_blocksList blocks. Optional filters: before, created at, block type or reason type. Results are paginated. API summary: List multiple blocks.
list_currency_exchange_ratesList currency exchange rates. Optional filters: before, source or target. Results are paginated. API summary: List exchange rates.
list_customer_bank_accountsList accounts. Optional filters: before, created at, customer or enabled. Results are paginated. API summary: List customer bank accounts.
list_customersList customers, newest first, with `limit` and the `after`/`before` cursors; filter by `created_at` or `currency`.
list_eventsList events. Optional filters: before, created at, billing request, creditor, export or instalment schedule. Results are paginated.
list_exportsList exports. Optional filters: before. Results are paginated.
list_instalment_schedulesList instalment schedules. Optional filters: before, created at, status, mandate or customer. Results are paginated.
list_institutionsList institutions. Optional filters: country code, scheme, feature or branch code.
list_mandatesList mandates (permissions to collect Direct Debit from a customer), filtered by `customer`, `status` or `reference`.
list_negative_balance_limitsList negative balance limits. Optional filters: before, currency or creditor. Results are paginated.
list_outbound_payment_import_entriesList pages. Optional filters: before or outbound payment import. Results are paginated. API summary: List outbound payment import entries.
list_outbound_payment_importsList payments. Optional filters: before, created at or status. Results are paginated. API summary: List outbound payment imports.
list_pagesList pages. Optional filters: before, mandate import or status. Results are paginated. API summary: List all mandate import entries.
list_payment_accountsList accounts. Optional filters: before. Results are paginated. API summary: List payment accounts.
list_paymentsList payments, filtered by `customer`, `mandate`, `subscription`, `status`, `charge_date` or `created_at` ranges, with cursor paging.
list_payments_2List payments. Optional filters: before, created from, created to or status. Results are paginated. API summary: List outbound payments.
list_payments_list_outbound_payments_statsList payments. API summary: Outbound payment statistics.
list_payout_itemsMoves moneyList the payments, refunds and fees included in a payout, by `payout` (PO...). Read-only.
list_payoutsList payouts from GoCardless to your bank account, filtered by `status`, `currency` or `created_at`. Read-only.
list_refundsList refunds, filtered by `payment`, `mandate` or `created_at`.
list_scheme_identifiersList scheme identifiers. Optional filters: before or creditor. Results are paginated.
list_subscriptionsList subscriptions, filtered by `customer`, `mandate` or `status`.
list_tax_ratesList tax rates. Optional filters: before or jurisdiction. Results are paginated.
list_verification_detailsList verification details. Optional filters: before or creditor. Results are paginated.
list_webhooksList webhooks. Optional filters: before, created at, successful or is test. Results are paginated.
refund_paymentMoves moneyRefund a payment: pass `refunds` {amount in pence/cents, total_amount_confirmation (total refunded after this one), reference, links {payment}}. Sends money back to the customer.
restore_paymentChanges dataEnable a payment (block id). API summary: Enable a block.
retry_paymentChanges dataRetry a failed payment by `payment_id`; optionally pass `payments` {charge_date}. The customer's bank account is debited again.
search_billing_request_institutionsSearch institutions for a billing request by search, ids, country code or include disabled. Use this to find existing institutions before creating a new institution. API summary: List institutions for Billing Request.
send_paymentVisible to othersNotify a payment (billing request id). Has effects visible outside this system. API summary: Notify the customer.
submit_paymentVisible to othersFulfil a payment (billing request id). Has effects visible outside this system. API summary: Fulfil a Billing Request.
submit_payment_submitVisible to othersSubmit a payment (mandate import id). Has effects visible outside this system. API summary: Submit a mandate import.
update_a_paymentChanges dataUpdate an existing payment identified by payment id. API summary: Update a payment.
update_accountChanges dataUpdate an existing account identified by account id. API summary: Update a customer bank account.
update_billing_request_templateChanges dataUpdate an existing billing request template identified by billing request template id. API summary: Update a Billing Request Template.
update_customerChanges dataUpdate a customer by `customer_id`; pass `customers` with only the fields to change (e.g. email, address).
update_instalment_scheduleChanges dataUpdate an existing instalment schedule identified by instalment schedule id. API summary: Update an instalment schedule.
update_mandateChanges dataUpdate an existing mandate identified by mandate id. API summary: Update a mandate.
update_paymentChanges dataUpdate an existing payment identified by payment id. API summary: Update an outbound payment.
update_payoutMoves moneyUpdate an existing payout identified by payout id. Financial or irreversible action; may require approval. API summary: Update a payout.
update_refundMoves moneyUpdate an existing refund identified by refund id. Financial or irreversible action; may require approval. API summary: Update a refund.
update_subscriptionChanges dataUpdate a subscription by `subscription_id`; pass `subscriptions` with fields to change such as amount, name or metadata.
update_supplierChanges dataUpdate an existing supplier identified by supplier id. API summary: Update a creditor.

Set up in three steps

1
Pick the app
Create a free HeyMyApps account and choose GoCardless from the app list.
2
Paste your key
Paste a GoCardless live access token. The API version is filled in for you. In the GoCardless dashboard, go to Developers › Create › Access token, give it a name, choose Read-write or Read-only access and copy the token. It is shown only once.
3
Add the link to your AI
You get a personal MCP link. Add it to Claude, ChatGPT or Cursor:
1. Click your name, then Settings › Connectors › Add custom connector.
2. Paste your link as the Remote MCP server URL.
3. Switch it on from the + menu in a chat.

Questions

What can the AI do in GoCardless?

It can read customers, mandates, payments, subscriptions, billing requests, refunds, payouts, the items in each payout and your creditor details. It can create customers, billing requests and hosted authorisation links, collect one-off payments, create and update subscriptions, retry, cancel and refund payments, and cancel subscriptions.

Does the AI see my GoCardless access token?

No. Your GoCardless access token is encrypted at rest and never shown to the AI. After you save it, it is not shown again, not even to you. The AI only sees the results of the tools it calls.

Can I control what the AI is allowed to do?

Yes. Switch on only the tools you want, for example lookups only. Creating or retrying a payment debits a customer's bank account, refunds send money back, and cancelling a payment or subscription cannot be undone, so these can require your approval before they run. Every tool call is logged.

Does it work with ChatGPT?

Yes. In ChatGPT, open Settings › Apps & Connectors › Advanced, turn on Developer mode and add your HeyMyApps link. Developer mode needs a paid ChatGPT plan: Plus, Pro, Business or Enterprise. The same link also works in Claude (Settings › Connectors › Add custom connector), Cursor and other MCP clients.

What does it cost?

HeyMyApps has a free plan, and you do not need a credit card to start. Paid plans bill per completed task. You also need your own GoCardless account.

Should I use a read-only token?

If you only want lookups, yes. GoCardless lets you choose Read-only or Read-write access when you create the token. With a read-only token, GoCardless blocks any payment or change, on top of the tools you switch on in HeyMyApps. Choose Read-write if you want the AI to collect payments or manage subscriptions.