MCP Server: 52 Tools for AI Payments

Our MCP server has grown from 4 tools to 52. From treasury ACH rails to virtual cards, learn how to give Claude or Cursor complete payment capabilities without writing any code.

The Evolution

When we launched the Sardis MCP server, it had four basic tools: get balance, make payment, list transactions, and request approval.

Today, we ship 52 tools that cover the full payment lifecycle, including the USD-first treasury lane for ACH fund/withdraw and virtual cards via Stripe Issuing. Your AI agent can now manage wallets, fund from banks, issue virtual cards, and pay anywhere Visa is accepted.

Quick Setup

Add this to your Claude Desktop or Cursor MCP configuration:

{
  "mcpServers": {
    "sardis": {
      "command": "npx",
      "args": ["@sardis/mcp-server", "start"],
      "env": {
        "SARDIS_API_KEY": "sk_..."
      }
    }
  }
}

Restart your app, and you now have 52 payment tools available.

Tool Categories

Wallet Management (8 tools)

Treasury Rails (11 tools)

Fund and withdraw via ACH with financial account and bank-link lifecycle support:

Virtual Cards (5 tools)

Payments (7 tools)

Example: Full Payment Flow

Here is what Claude can do with these tools. Just say: "Fund my wallet with $100 from my bank, then pay $50 for OpenAI credits using a virtual card"

1. sardis_list_financial_accounts --> Find ISSUING/OPERATING account
2. sardis_fund_wallet --> Fund $100 from linked external bank account
3. sardis_get_funding_status --> Wait for funding to complete
4. sardis_get_treasury_balances --> Verify treasury snapshot
5. sardis_create_card --> Issue virtual card (limit: $50)
6. Returns: Card number, expiry, CVV for use at openai.com

The agent handles the entire flow, including:
- Replay-safe payment status tracking
- Policy validation at each step
- Waiting for funding confirmation
- Card issuance with merchant lock

Unified Balance

Unified balance means one policy budget across USD and stablecoin rails. You can fund with fiat or USDC, and Sardis chooses the configured route. Cross-rail conversion is quote-driven and can be batched to reduce cost.

Pro Tips:

• Use sardis_check_policy before large transactions
• Issue single-use virtual cards for one-time purchases
• Link bank account once, fund multiple times
• Use sardis_request_approval for amounts near policy limits

What's Next

We are working on:

• Recurring payments: Set up automatic subscriptions
• Multi-wallet transfers: Move funds between wallets
• Spending reports: Generate analytics from MCP
• Webhook management: Configure notifications from MCP

Have a tool you would like to see? Let us know on GitHub.

Read the full MCP Server documentation for detailed usage instructions.