Merchant Integration Guide - AI PAB Model Context Protocol (MCP)

Prerequisites

Complete these steps before starting the integration:

1. Obtain your MiFinity API key — Your key must already exist in the MiFinity API system. Contact the API/development team if you need a new key. Have your alphanumeric key string ready.

2. Submit your public IP address(es) — Provide your public egress IP(s) to the DevOps team. They will add them to the API Gateway allowlist. Integration will not work until your IPs are allowlisted.

3. Install an MCP-compatible client — Use one of the following: Claude Code, Cursor, VS Code (with MCP extension), Codex, or another MCP-compatible client.

Gateway URLs

⚠️

Note that direct live payouts are currently disabled within this MCP.

Client Setup

{
  "mcpServers": {
    "ai-pab-gateway": {
      "type": "http",
      "url": "https://mcp.payanybank.mifinity.com",
      "headers": {
        "Authorization": "Bearer ${MIFINITY_API_KEY}",
        "x-api-version": "1"
      }
    }
  }
}

export MIFINITY_API_KEY="your_api_key_here"

$env:MIFINITY_API_KEY = "your_api_key_here"

export MIFINITY_API_KEY="your_api_key_here"

claude-code

Validation

Quick test

Ask your AI agent:

What currencies are supported for Ireland?

Expected response: A list of currency codes such as EUR, USD, GBP. This calls aipab___get_supported_currencies and confirms connectivity.

Full validation

Run these prompts in sequence to validate all four tools:

1. Get supported currencies:

   Text

   What currencies can I use for payouts to France?

2. Get required fields:

   Text

   What fields do I need for a EUR payout to Ireland?

3. Get bank list (if applicable):

   Text

   What banks are available for HKD payouts to Hong Kong?

4. Demo payout (AI demo environment only):

   Text

   Create a test payout for €10 to Ireland with IBAN IE29AIBK93115212345678

❗️

Only run test payouts in the AI demo environment with test data. Production payouts transfer real money.

Available Tools

The AI PAB Gateway exposes 4 MCP tools:

1. get_supported_currencies

Check which currencies are supported for a specific country.

What currencies are supported for payouts to Germany?

Returns: List of currency codes (e.g., EUR, USD, GBP).

2. get_bank_detail_fields

Get the required and optional fields for a specific country/currency combination.

What fields do I need for a GBP payout to the UK?

Returns: List of required and optional fields with their formats.

📋

Always call get_bank_detail_fields before initiating a payout to ensure you provide all required fields.

3. get_bank_name

Get the list of available banks or payment rails for a country/currency combination.

What banks are available for USD payouts to Hong Kong?

Returns: List of bank names or payment methods. Not all country/currency combinations have multiple banks — some return a single method or an empty list.

4. initiate_bank_payout

Submit a payout request.

Create a payout for €100 to Ireland:
- IBAN: IE29AIBK93115212345678
- Name: John Smith
- Source account: 1234567890
- Description: Invoice payment

Returns: Transaction ID and status.

⚠️

• Call get_bank_detail_fields first to confirm required fields for the destination country/currency.
• Your API key must have payout permissions.
• Production payouts are disabled by default and require the MCP_PAB_PAYMENTS_ENABLED feature flag.
• When enabled in production, payouts are real — verify all details carefully.
• Use the AI demo environment for all testing.

Troubleshooting

Security Best Practices

Support

For any queries about the usage of this MCP, please contact our integration support team.

Next Steps

After a successful integration:

1. Test in the AI demo environment with demo data before moving to production.
2. Implement error handling for network failures, rate limits, and validation errors.
3. Monitor usage through your AI agent logs.
4. Review additional documentation:
   • Error Reference — Troubleshooting guide
   • OpenAPI Specification — Full API details