Payments Gateway MCP

The Payments Gateway MCP server exposes Inyo's Gateway APIs as AI-ready tools. It handles OAuth authentication automatically, caching and refreshing tokens as needed.

Package: @inyo-global/gateway-mcp

Install

Choose your client to get started:

Cursor

Install in Cursor

or configure manually

Add to your Cursor MCP configuration at ~/.cursor/mcp.json:

{
  "mcpServers": {
    "inyo-gateway": {
      "command": "npx",
      "args": ["-y", "@inyo-global/gateway-mcp@latest"],
      "env": {
        "GATEWAY_BASE_URL": "your-gateway-url",
        "GATEWAY_CLIENT_ID": "your-client-id",
        "GATEWAY_CLIENT_SECRET": "your-client-secret"
      }
    }
  }
}

Or go to Settings → MCP Servers in Cursor and add the configuration there.

VS Code

Install in VS Code

or configure manually

Add to .vscode/mcp.json in your project root:

{
  "mcpServers": {
    "inyo-gateway": {
      "command": "npx",
      "args": ["-y", "@inyo-global/gateway-mcp@latest"],
      "env": {
        "GATEWAY_BASE_URL": "your-gateway-url",
        "GATEWAY_CLIENT_ID": "your-client-id",
        "GATEWAY_CLIENT_SECRET": "your-client-secret"
      }
    }
  }
}

Windsurf

Add to your Windsurf MCP configuration at ~/.windsurf/mcp.json:

{
  "mcpServers": {
    "inyo-gateway": {
      "command": "npx",
      "args": ["-y", "@inyo-global/gateway-mcp@latest"],
      "env": {
        "GATEWAY_BASE_URL": "your-gateway-url",
        "GATEWAY_CLIENT_ID": "your-client-id",
        "GATEWAY_CLIENT_SECRET": "your-client-secret"
      }
    }
  }
}

Claude Desktop

Add to your Claude Desktop configuration:

macOS: ~/Library/Application Support/Claude/claude_desktop_config.json
Windows: %APPDATA%\Claude\claude_desktop_config.json

{
  "mcpServers": {
    "inyo-gateway": {
      "command": "npx",
      "args": ["-y", "@inyo-global/gateway-mcp@latest"],
      "env": {
        "GATEWAY_BASE_URL": "your-gateway-url",
        "GATEWAY_CLIENT_ID": "your-client-id",
        "GATEWAY_CLIENT_SECRET": "your-client-secret"
      }
    }
  }
}

Restart Claude Desktop after saving the configuration.

Claude Code (CLI)

Run the following command to add the MCP server:

claude mcp add inyo-gateway \
  -e GATEWAY_BASE_URL=your-gateway-url \
  -e GATEWAY_CLIENT_ID=your-client-id \
  -e GATEWAY_CLIENT_SECRET=your-client-secret \
  -- npx -y @inyo-global/gateway-mcp@latest

Or add to .mcp.json in your project root (or ~/.claude/mcp.json globally):

{
  "mcpServers": {
    "inyo-gateway": {
      "command": "npx",
      "args": ["-y", "@inyo-global/gateway-mcp@latest"],
      "env": {
        "GATEWAY_BASE_URL": "your-gateway-url",
        "GATEWAY_CLIENT_ID": "your-client-id",
        "GATEWAY_CLIENT_SECRET": "your-client-secret"
      }
    }
  }
}

Environment Variables

Variable	Description
`GATEWAY_BASE_URL`	Gateway API endpoint URL
`GATEWAY_CLIENT_ID`	OAuth client identifier
`GATEWAY_CLIENT_SECRET`	OAuth client secret

Contact your Inyo account representative to obtain your credentials. For sandbox testing, use your sandbox environment URL and credentials.

Available Tools

Payment Operations

Tool	Description
`create-payment`	Create a new payment (PULL, PUSH, PULLPUSH, or CHECK)
`capture-payment`	Capture a previously authorized payment
`void-payment`	Void a payment before settlement
`refund-payment`	Refund a settled payment

Account Verification

Tool	Description
`check-card-account`	Verify card account details (ANI check)
`check-bank-account`	Verify bank account details

Read Operations

Tool	Description
`authenticate`	Manually trigger OAuth authentication
`get-payment`	Retrieve payment details by ID

Additional Services

Tool	Description
`create-fx`	Generate a foreign exchange quote
`create-plaid-link`	Create a Plaid Link token for bank account linking
`get-plaid-link`	Retrieve Plaid Link session details

Payment Types

The create-payment tool supports multiple payment types:

Type	Description
PULL	Pull funds from a payment source (card charge, ACH debit)
PUSH	Push funds to a recipient (OCT, payout)
PULLPUSH	Pull and push in a single operation
CHECK	Account verification without charging

Supported Payment Methods

Cards — Visa, Mastercard, credit and debit
Bank accounts — ACH direct debit
PIX — Brazilian instant payments
Digital wallets — Where supported

Authentication

The MCP server handles OAuth token management automatically:

On the first tool call, the server authenticates using your client credentials
The access token is cached in memory
Tokens are refreshed automatically 60 seconds before expiration
No manual token management required

Example Usage

Once configured, you can interact with the Gateway through natural language in your AI assistant:

"Create a $50 card payment using token tk_abc123"
"Check the status of payment pay_xyz789"
"Refund payment pay_xyz789 for $25"
"Void the authorization on payment pay_abc456"
"Verify this card account: 4111111111111111"

The AI assistant translates your request into the appropriate tool call, executes it against the Gateway API, and returns the structured response.