What it does
The Stripe MCP gives an agent the ability to operate inside a Stripe account — but with a tighter authority surface than most integrations expose, because money operations have asymmetric downside.
Capabilities
- Read account state (balance, recent transactions, open invoices, subscriptions)
- Look up customer records and payment history
- Generate payment links (with configurable amount caps)
- Send invoices from existing templates
- Subscription operations (pause, resume, cancel) within bounds
Authority surface
Money operations are bounded by amount and type:
- Read-only — default; agent can answer questions but cannot move money
- Payment link, capped — agent can generate payment links up to a configured cap (typical $5,000)
- Invoice send — agent can send invoices from approved templates only
- Subscription ops — agent can pause / resume; cancel requires confirmation
- Refund — never automated; always escalated to a human
The authority surface is configured during onboarding and is not expandable without explicit re-authorization.
Auth
Stripe restricted API key, scoped to the surface above.
When to use it
- Businesses that take payment through Stripe and want their agent to handle quote-to-cash without a human typing in card numbers
- Subscription businesses where the agent handles billing questions and the standard pause/resume flow
Limitations
The MCP intentionally does not expose: refund issuance, dispute response, raw card data access. Those are human-only operations.