# io.usefulapi/gocardless (remote · gocardless.usefulapi.io)

Query GoCardless: customers, mandates, payments, subscriptions, payouts, refunds, events.

- Trust score: 18/100 (low)
- Change this week: −51
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `gocardless.usefulapi.io`: 18/100 (this document), [markdown](https://verifymcp.io/servers/io-usefulapi-gocardless/gocardless.md), [page](https://verifymcp.io/servers/io-usefulapi-gocardless/gocardless)

## Channel facts

- Endpoint: `https://gocardless.usefulapi.io/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.1`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-03.

- **Endpoint Security**: 46/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to connect, but we couldn't read the tool list to see what that exposes.
  - HTTPS not yet verified: we couldn't determine whether a plaintext access path exists.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 0/100
  - Transport check failed: declared streamable-http, but the endpoint returned HTTP 429.
- **Schema Quality & AI Usability**: 0/100
  - Schema not yet verified: we couldn't read the endpoint's schema.
- **Stability & Change Management**: 0/100
  - Stability not yet verified: not enough scan history yet (needs a 30-day window).
- **Tool Coverage**: 0/100
  - Tool coverage not yet verified: we couldn't read the endpoint's tools.
- **Capabilities**: 0/100
  - Capabilities not yet verified: we couldn't read the endpoint's capabilities.

**Unverified: 4 categories.** Categories scored 0 because we could not verify them: authentication we do not have, an unreachable endpoint, or not enough scan history. We only credit what we can confirm.

## Install

### Claude

```bash
claude mcp add --transport http io-usefulapi-gocardless https://gocardless.usefulapi.io/mcp
```

### Codex

```toml
[mcp_servers.io-usefulapi-gocardless]
url = "https://gocardless.usefulapi.io/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "io-usefulapi-gocardless": {
      "type": "remote",
      "url": "https://gocardless.usefulapi.io/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add io-usefulapi-gocardless --url https://gocardless.usefulapi.io/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  io-usefulapi-gocardless:
    url: "https://gocardless.usefulapi.io/mcp"
```

### Other

```json
{
  "mcpServers": {
    "io-usefulapi-gocardless": {
      "type": "http",
      "url": "https://gocardless.usefulapi.io/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-03 (score 18, −55)

- [security regression] Endpoint reachability: reachable → not serving MCP
- [security regression] Authorization: pass → unverified
- [security regression] Stability: 0.20 → unverified
- [security regression] Transport: pass → fail
- [functional regression] Tool coverage: 100 → unverified
- [functional regression] Capabilities: fail → unverified

### 2026-08-02 (score 73, +14)

- [security improvement] Authorization: unverified → pass
- [functional] Stability: fail → 0.20

### 2026-08-01 (score 59, −13)

- [security regression] Authorization: pass → unverified
- [security regression] Stability: 0.13 → fail

### 2026-07-31 (score 72, +5)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 67, −4)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-29 (score 71, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-28 (score 70, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-07-27 (score 69, +57)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

## MCP tools (15)

### `gocardless_list_customers` (~146 tokens)

List customers

List customers (payers) with cursor pagination. Read-only observability. GoCardless: GET /customers.

Input parameters:

- `after` (string): Cursor: return records after this id (from meta.cursors.after).
- `before` (string): Cursor: return records before this id (from meta.cursors.before).
- `created_at_gt` (string): Only customers created after this ISO 8601 timestamp (maps to created_at[gt]).
- `created_at_lt` (string): Only customers created before this ISO 8601 timestamp (maps to created_at[lt]).
- `limit` (integer): Max records per page (1–500). Default 50.

### `gocardless_get_customer` (~46 tokens)

Get customer

Retrieve a single customer by id. Read-only. GoCardless: GET /customers/{id}.

Input parameters:

- `id` (string, required): Customer id, e.g. CU123.

### `gocardless_list_customer_bank_accounts` (~116 tokens)

List customer bank accounts

List customer bank accounts (account details are masked by GoCardless). Read-only. GoCardless: GET /customer_bank_accounts.

Input parameters:

- `after` (string): Cursor: return records after this id (from meta.cursors.after).
- `before` (string): Cursor: return records before this id (from meta.cursors.before).
- `customer` (string): Filter by customer id, e.g. CU123.
- `limit` (integer): Max records per page (1–500). Default 50.

### `gocardless_list_mandates` (~136 tokens)

List mandates

List mandates (a mandate = a customer's authorization to debit their bank account). Read-only. GoCardless: GET /mandates.

Input parameters:

- `after` (string): Cursor: return records after this id (from meta.cursors.after).
- `before` (string): Cursor: return records before this id (from meta.cursors.before).
- `customer` (string): Filter by customer id.
- `limit` (integer): Max records per page (1–500). Default 50.
- `status` (string): Filter by status, e.g. pending_customer_approval, active, cancelled, expired, failed.

### `gocardless_get_mandate` (~50 tokens)

Get mandate

Retrieve a single mandate by id. Read-only. GoCardless: GET /mandates/{id}.

Input parameters:

- `id` (string, required): Mandate id, e.g. MD123.

### `gocardless_list_payments` (~153 tokens)

List payments

List payments (READ ONLY — this server never creates or modifies payments). GoCardless: GET /payments.

Input parameters:

- `after` (string): Cursor: return records after this id (from meta.cursors.after).
- `before` (string): Cursor: return records before this id (from meta.cursors.before).
- `customer` (string): Filter by customer id.
- `limit` (integer): Max records per page (1–500). Default 50.
- `mandate` (string): Filter by mandate id.
- `status` (string): Filter by status, e.g. pending_submission, submitted, confirmed, paid_out, failed, cancelled.
- `subscription` (string): Filter by subscription id.

### `gocardless_get_payment` (~46 tokens)

Get payment

Retrieve a single payment by id. Read-only. GoCardless: GET /payments/{id}.

Input parameters:

- `id` (string, required): Payment id, e.g. PM123.

### `gocardless_list_subscriptions` (~112 tokens)

List subscriptions

List subscriptions (recurring payment schedules). Read-only. GoCardless: GET /subscriptions.

Input parameters:

- `after` (string): Cursor: return records after this id (from meta.cursors.after).
- `before` (string): Cursor: return records before this id (from meta.cursors.before).
- `customer` (string): Filter by customer id.
- `limit` (integer): Max records per page (1–500). Default 50.
- `mandate` (string): Filter by mandate id.

### `gocardless_get_subscription` (~46 tokens)

Get subscription

Retrieve a single subscription by id. Read-only. GoCardless: GET /subscriptions/{id}.

Input parameters:

- `id` (string, required): Subscription id, e.g. SB123.

### `gocardless_list_payouts` (~131 tokens)

List payouts

List payouts (funds GoCardless sends to your bank account). Read-only. GoCardless: GET /payouts.

Input parameters:

- `after` (string): Cursor: return records after this id (from meta.cursors.after).
- `before` (string): Cursor: return records before this id (from meta.cursors.before).
- `creditor` (string): Filter by creditor (merchant account) id.
- `limit` (integer): Max records per page (1–500). Default 50.
- `status` (string): Filter by status, e.g. pending, paid.

### `gocardless_get_payout` (~50 tokens)

Get payout

Retrieve a single payout by id. Read-only. GoCardless: GET /payouts/{id}.

Input parameters:

- `id` (string, required): Payout id, e.g. PO123.

### `gocardless_list_refunds` (~114 tokens)

List refunds

List refunds (READ ONLY — this server never creates refunds). GoCardless: GET /refunds.

Input parameters:

- `after` (string): Cursor: return records after this id (from meta.cursors.after).
- `before` (string): Cursor: return records before this id (from meta.cursors.before).
- `limit` (integer): Max records per page (1–500). Default 50.
- `mandate` (string): Filter by mandate id.
- `payment` (string): Filter by payment id.

### `gocardless_list_events` (~167 tokens)

List events

List events — the audit / webhook event log (payment confirmed, mandate cancelled, etc.). Read-only. GoCardless: GET /events.

Input parameters:

- `action` (string): Filter by action, e.g. confirmed, failed, cancelled, created.
- `after` (string): Cursor: return records after this id (from meta.cursors.after).
- `before` (string): Cursor: return records before this id (from meta.cursors.before).
- `limit` (integer): Max records per page (1–500). Default 50.
- `mandate` (string): Filter by mandate id.
- `payment` (string): Filter by payment id.
- `resource_type` (string): Filter by resource type, e.g. payments, mandates, payouts, subscriptions, refunds.

### `gocardless_list_creditors` (~93 tokens)

List creditors

List creditors (your merchant accounts that receive payouts). Read-only. GoCardless: GET /creditors.

Input parameters:

- `after` (string): Cursor: return records after this id (from meta.cursors.after).
- `before` (string): Cursor: return records before this id (from meta.cursors.before).
- `limit` (integer): Max records per page (1–500). Default 50.

### `gocardless_create_customer` (~218 tokens)

Create customer

Creates a customer record in GoCardless. Contact details only — no bank account, MOVES NO MONEY. GoCardless: POST /customers (body wrapped as { customers: {...} }).

Input parameters:

- `address_line1` (string): Address line 1.
- `city` (string): City.
- `company_name` (string): Company name (use instead of given/family name for businesses).
- `country_code` (string): ISO 3166-1 alpha-2 country code, e.g. GB, US, DE.
- `email` (string): Customer email.
- `family_name` (string): Last name.
- `given_name` (string): First name.
- `language` (string): ISO 639-1 language code for notifications, e.g. en, fr.
- `metadata` (object): Up to 3 key-value string pairs of your own metadata.
- `phone_number` (string): Phone number in E.164 format.
- `postal_code` (string): Postal / ZIP code.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/io-usefulapi-gocardless/gocardless#diagnostics

## Score history

- 2026-08-03: 18
- 2026-08-02: 73
- 2026-08-01: 59
- 2026-07-31: 72
- 2026-07-30: 67
- 2026-07-29: 71
- 2026-07-28: 70
- 2026-07-27: 69
- 2026-07-26: 12

## Links

- Remote endpoint: https://gocardless.usefulapi.io/mcp
- Repository: https://github.com/m190/usefulapi-mcp
- Changelog RSS feed: https://verifymcp.io/servers/io-usefulapi-gocardless/gocardless/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/io-usefulapi-gocardless/gocardless/changelog.json
- HTML version of this page: https://verifymcp.io/servers/io-usefulapi-gocardless/gocardless