--- description: Free MCP server for Claude, ChatGPT and Cursor: BIN, issuing bank, MCC and decline code lookups for card payments. No login, read-only. title: Payment Tools MCP Server: BIN, MCC & Decline Codes | SmartRetry image: https://cdn.smartretry.com/cdn-cgi/image/width=1200,height=630,quality=85,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fog-image.0z0q4_5kazzzo.jpeg --- # Payments MCP server for AI assistants Free BIN, MCC, issuer and decline code lookups in Claude and ChatGPT. `https://tools.mcp.smartretry.com/mcp`Copy [Set it up in your assistant](#connect) You ask Why did this Visa payment fail with code 51? Your assistant calls smartretry-tools`lookup_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 and Claude CodeChatGPT and CodexCursorVS CodeGemini CLIAny MCP client ### Claude On the web or desktop, open Settings, then Connectors, and add a custom connector with this URL. `https://tools.mcp.smartretry.com/mcp`Copy ### Claude Code Run this once in your terminal. `claude mcp add --transport http smartretry-tools https://tools.mcp.smartretry.com/mcp`Copy ### 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`Copy ### Codex Run this once in your terminal. `codex mcp add smartretry-tools --url https://tools.mcp.smartretry.com/mcp`Copy ### Cursor Install it in one click, or add it to \~/.cursor/mcp.json yourself. [Add to Cursor](cursor://anysphere.cursor-deeplink/mcp/install?name=smartretry-tools&config=eyJ1cmwiOiJodHRwczovL3Rvb2xzLm1jcC5zbWFydHJldHJ5LmNvbS9tY3AifQ==) `{ "mcpServers": { "smartretry-tools": { "url": "https://tools.mcp.smartretry.com/mcp" } } }`Copy ### VS Code Install it in one click for GitHub Copilot, or add it to .vscode/mcp.json. [Add to VS Code](vscode:mcp/install?%7B%22name%22%3A%22smartretry-tools%22%2C%22type%22%3A%22http%22%2C%22url%22%3A%22https%3A%2F%2Ftools.mcp.smartretry.com%2Fmcp%22%7D) `{ "servers": { "smartretry-tools": { "type": "http", "url": "https://tools.mcp.smartretry.com/mcp" } } }`Copy ### Gemini CLI Add it to \~/.gemini/settings.json. `{ "mcpServers": { "smartretry-tools": { "httpUrl": "https://tools.mcp.smartretry.com/mcp" } } }`Copy ### 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" } } }`Copy ## Four payment lookups your AI can call 1. `lookup_bin` ### BIN lookup Card network, card type, issuing bank and country from the first 6 to 8 digits. [Open the BIN Lookup](/bin) “Which bank issued card BIN 424242?” `Card: VISA CREDIT (CLASSIC)` `Issuing bank: STRIPE PAYMENTS UK, LTD.` `Country: United Kingdom (GB)` 2. `lookup_issuer` ### Issuer lookup Card issuing banks by name, with country, website and phone. Partial names work. [Open the Issuer Lookup](/issuer) “Find the card issuers called Barclays.” `BARCLAYS BANK S.A.E.: Spain (ES)` `BARCLAYS BANK PLC, HAMBURG: Germany (DE)` 3. `lookup_mcc` ### MCC lookup Merchant category codes: Visa and Mastercard definitions, group and high-risk flag. [Open the MCC Lookup](/mcc) “What is MCC 5411, and is it high risk?” `MCC 5411: Grocery Stores and Supermarkets` `Group: Retail outlets` `High risk: no` 4. `lookup_decline_code` ### Decline code lookup Why a card payment was declined, for Visa, Mastercard, Stripe, Adyen and more. [Open the Decline Code Lookup](/decline-code) “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 What is the SmartRetry Payment Tools MCP server? A free, public MCP server at . 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. Is it free? 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. ## 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. 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