MONEI is now AI-native: introducing the MONEI MCP Server

The future of payment operations is conversational

The way merchants interact with payment tools is changing. Instead of logging into a dashboard, navigating menus, and clicking through forms, a growing number of businesses are asking AI assistants to do it for them with prompts like: 

• "Generate a €50 payment link for this customer." 
• "What was my revenue last week?" 
• "Show me all failed transactions from today."

"Payment operation dashboards are disappearing—merchants don't want to navigate menus and manual data analysis, they want to ask a question and get an answer in seconds,” says Alex Saiz Verdaguer, CEO at MONEI. “With the MONEI MCP Server, we're the first European payment solution giving them that, safely, with all the local methods global platforms don't support."

This is not how managing and analyzing business payments will work in the future; it’s how it works today. That’s why we’re open-sourcing the MONEI MCP Server, a production-grade integration that connects your MONEI account to AI assistants such as Claude and ChatGPT via the Model Context Protocol (MCP).
Live now at https://docs.monei.com/guides/mcp-server/.

What is MCP?

Created by Anthropic and adopted by OpenAI, Google, Microsoft, and others, the Model Context Protocol is an open standard that defines how AI assistants connect to external tools and data. You can think of it as a universal plug that lets any AI talk to any service.

When you connect MONEI via MCP, your AI assistant can do the following all through natural language (no API knowledge required):  

• Generate payment links and send them to customers via email or SMS
• Look up transactions by ID, status, date range, or free-text search
• View analytics like revenue, success rates, and time-series KPIs
• Check subscriptions, including status, billing periods, and payment methods
• Review account configuration, like enabled payment methods and business details

Built for Southern European merchants

We’ve joined a very short list of payment companies with production MCP servers, alongside Stripe, Square, and PayPal. But unlike those platforms, MONEI is built for the Southern European market.

Our MCP Server gives AI assistants access to local payment methods that other providers don't offer, including Bizum (Spain's #1 mobile payment app), MB WAY and Multibanco (Portugal), and the full ServiRed card network—the major Spanish card payment scheme and network that facilitates electronic payments—all through the same natural-language interface.

You can just ask Claude, “How much did I make via Bizum this month?", and the AI will surface results in seconds.

Secure AI-assisted payment operations 

We built this with one principle: an AI assistant should never be able to move money without a human in the loop.

The server blocks sensitive operations at the code level, so you never have to worry about compromising security.  

• No refunds through AI (requires manual review)
• No direct card or Bizum charges (requires PCI context and cardholder consent)
• No payouts (requires compliance controls)
• No subscription cancellations (destructive)
• No account or API key modifications (security-sensitive)

These aren't configurable options; instead, they're enforced in the server code. Even a manually crafted tool call gets rejected with a clear message directing you to your MONEI Dashboard.

Authentication uses OAuth 2.0 with PKCE, which involves scoped tokens, single-use CSRF state, rate limiting, and structured audit logging for every operation. Simply put, when you log in, the system lets you approve access through a trusted login screen (like "Sign in with Google"), and we get a temporary digital "key" in return.

Open source and GraphQL-native

The entire server is open source under the MIT license on GitHub. 

It communicates directly with MONEI's GraphQL API. There’s no REST translation layer or middleware bloat. The codebase is fully typed in TypeScript, with 49 tests, CI/CD on every PR, and a weekly automated check that detects new MONEI API capabilities.

In other words, the server talks to MONEI directly, without any extra layers in between, so it's fast, and there are fewer places for things to break. It's written carefully, double-checked by dozens of automated tests before any change goes live, and a bot sweeps through every week to make sure it stays up to date with new MONEI features. It's built the way professional payment infrastructure is built, and tested, automated, and kept current.

You can connect to our hosted server at https://docs.monei.com/guides/mcp-server/, or self-host it on your own infrastructure.

Getting started

If you already have a MONEI account

The fastest way is to connect through Claude. 

1. Open Claude
2. Go to Settings → Connectors → Add
3. Enter: https://docs.monei.com/guides/mcp-server/
4. Complete the authorization flow
5. Start asking Claude about your payments

If you're new to MONEI

1. Create your MONEI account
2. Get your API key from Dashboard → Settings → API Access 
3. Connect to Claude using the steps above

What's next

We’re actively building version 0.2.0 of MONEI MCP Server, which will include: 

• Anthropic Connectors Directory listing, so in one click you can get a connection from Claude
• Webhook notifications to allow AI assistants to respond to payment events in real-time
• NPM package which involves an `npx @monei/mcp-server` for instant local setup*
• Multi-language descriptions in Spanish, Portuguese, and French
• Bizum-specific tools for request-to-pay and Bizum analytics
  

*Once we publish the MCP Server in the NPM app store, any developer will be able to run a single command on their computer—npx @monei/mcp-server—and have their own copy running locally in seconds. No downloading files or lengthy configuration processes. With one line, it's live on your machine.

Agentic commerce, in which AI assistants handle routine payment operations on behalf of merchants, is the next major shift in financial technology, and we’re building the infrastructure to support it.

Alexis Damen

Alexis Damen is a former Shopify merchant turned content marketer. Here, she breaks down complex topics about payments, e-commerce, and retail to help you succeed (with MONEI as your payments partner, of course).