What is the SmartRetry Payment Tools MCP server?

A free, public MCP server at https://tools.mcp.smartretry.com/mcp. It lets AI assistants such as Claude, ChatGPT and Cursor look up a card BIN, an issuing bank, a merchant category code (MCC) or a payment decline code, from SmartRetry’s payment data.

Which AI assistants does it work with?

Any client that supports MCP over Streamable HTTP, including Claude, Claude Code, ChatGPT, Codex, Cursor, VS Code with GitHub Copilot and Gemini CLI.

How do I add it to Claude?

In Claude, open Settings, then Connectors, choose Add custom connector and paste https://tools.mcp.smartretry.com/mcp. No login or API key is needed.

How do I add it to ChatGPT?

Turn on Developer Mode in ChatGPT under Settings > Apps & Connectors. Then create a connector with https://tools.mcp.smartretry.com/mcp and choose no authentication.

Yes. It is open to everyone, with no sign-up, login, or API key. Fair-use rate limits keep it fast for everyone.

Does it store my questions or card numbers?

No. It never accepts a full card number: BIN lookups take only the first 6 to 8 digits. It logs which tool ran and how long it took, not what you asked.

Can it see my transactions?

No. It reads public payment reference data only. SmartRetry customers can get the Platform MCP, with their own transaction data and insights, through their account manager.

Payments MCP server for AI assistants

Free BIN, MCC, issuer and decline code lookups in Claude and ChatGPT.

https://tools.mcp.smartretry.com/mcp

Set it up in your assistant

You ask

Why did this Visa payment fail with code 51?

Your assistant calls smartretry-toolslookup_decline_code { code: "51", provider: "Visa" }

And answers

Visa 51: Not sufficient funds

An issuer response code. Source: SmartRetry.

A real answer from the server, shortened.

Connect Claude, ChatGPT, Cursor and more

Claude, Claude Code, ChatGPT, Codex, Cursor, VS Code, Gemini CLI and any client that speaks MCP over Streamable HTTP.

Claude

On the web or desktop, open Settings, then Connectors, and add a custom connector with this URL.

https://tools.mcp.smartretry.com/mcp

Claude Code

Run this once in your terminal.

claude mcp add --transport http smartretry-tools https://tools.mcp.smartretry.com/mcp

ChatGPT

Turn on developer mode in Settings, under Apps and Connectors. Then create a connector with this URL and no authentication.

https://tools.mcp.smartretry.com/mcp

Codex

Run this once in your terminal.

codex mcp add smartretry-tools --url https://tools.mcp.smartretry.com/mcp

Cursor

Install it in one click, or add it to ~/.cursor/mcp.json yourself.

Add to Cursor

{
  "mcpServers": {
    "smartretry-tools": {
      "url": "https://tools.mcp.smartretry.com/mcp"
    }
  }
}

VS Code

Install it in one click for GitHub Copilot, or add it to .vscode/mcp.json.

Add to VS Code

{
  "servers": {
    "smartretry-tools": {
      "type": "http",
      "url": "https://tools.mcp.smartretry.com/mcp"
    }
  }
}

Gemini CLI

Add it to ~/.gemini/settings.json.

{
  "mcpServers": {
    "smartretry-tools": {
      "httpUrl": "https://tools.mcp.smartretry.com/mcp"
    }
  }
}

Any MCP client

Point any client that supports Streamable HTTP at this URL. No login or API key.

{
  "mcpServers": {
    "smartretry-tools": {
      "url": "https://tools.mcp.smartretry.com/mcp"
    }
  }
}

Four payment lookups your AI can call

lookup_bin
BIN lookup
Card network, card type, issuing bank and country from the first 6 to 8 digits.
Open the BIN Lookup
“Which bank issued card BIN 424242?”
Card: VISA CREDIT (CLASSIC)Issuing bank: STRIPE PAYMENTS UK, LTD.Country: United Kingdom (GB)
lookup_issuer
Issuer lookup
Card issuing banks by name, with country, website and phone. Partial names work.
Open the Issuer Lookup
“Find the card issuers called Barclays.”
BARCLAYS BANK S.A.E.: Spain (ES)BARCLAYS BANK PLC, HAMBURG: Germany (DE)
lookup_mcc
MCC lookup
Merchant category codes: Visa and Mastercard definitions, group and high-risk flag.
Open the MCC Lookup
“What is MCC 5411, and is it high risk?”
MCC 5411: Grocery Stores and SupermarketsGroup: Retail outletsHigh risk: no
lookup_decline_code
Decline code lookup
Why a card payment was declined, for Visa, Mastercard, Stripe, Adyen and more.
Open the Decline Code Lookup
“What does do_not_honor mean on Stripe?”
Stripe do_not_honor: The card was declined for an unknown reason.Customer must contact their card issuer.

Read-only by design. It never needs a card number.

BIN lookups take 6 to 8 digits. A full card number is rejected before anything runs.
We log which tool ran and how long it took, never what you asked.
No sign-up, no API key, no account. Fair-use rate limits keep it quick.

MCP server questions

Need it on your own payments?

Everything on this page is our free MCP, open to everyone, for our free tools.

SmartRetry Platform MCP

For SmartRetry customers: our internal tools, your transaction data and insights on it, in your AI assistant. Already a customer? Ask your account manager for access.

Not a customer yet?See pricing

Any other question?Contact us

Payments MCP server for AI assistants

Connect Claude, ChatGPT, Cursor and more

Claude

Claude Code

ChatGPT

Codex

Cursor

VS Code

Gemini CLI

Any MCP client

Four payment lookups your AI can call

BIN lookup

Issuer lookup

MCC lookup

Decline code lookup

MCP server questions

Need it on your own payments?

SmartRetry Platform MCP