Pagos, a leader in payments optimization solutions, has launched its first Model Context Protocol (MCP) Server, enabling AI agents and applications to access real-time BIN-level card data directly from card networks. This innovation simplifies payments intelligence, offering businesses a powerful tool to enhance decision-making and streamline operations.
Pagos introduces the first MCP Server for AI-driven payments intelligence.
Enables real-time BIN data access from card networks for AI tools.
Supports merchants in optimizing card-based payments globally.
Facilitates routing strategies, fraud detection, and cost reduction.
Developers can integrate BIN data into AI workflows seamlessly.
Pagos plans to expand MCP offerings for broader product support.
The Pagos MCP Server marks a significant step in making payments data more accessible. Designed for the company’s direct-to-network BIN data solution, it allows large language models (LLMs) and AI-powered tools to securely query real-time card data, including issuer details, card brand, and country information. This capability empowers businesses to make informed decisions swiftly, enhancing payment processing efficiency.
Merchants can leverage the MCP Server to manage card-based payments effectively. By integrating BIN-level data, businesses can design routing strategies to improve approval rates and reduce processing costs. Additionally, the server supports the creation of BIN-based fraud rules, enabling merchants to identify and block issuing banks or specific BINs associated with fraudulent activities or carding attacks.
The MCP Server helps businesses lower interchange costs by identifying cards that qualify for Level II or III data processing. It also simplifies the development of AI tools by eliminating the need for custom connectors to Pagos, allowing developers to prototype and deploy solutions quickly. This streamlined approach enhances operational efficiency and supports scalable payments optimization.
Businesses and developers can explore the Pagos MCP Server on GitHub, sign up for API access, and deploy the server locally or in their preferred environment. Pagos encourages feedback from merchants and AI builders to refine and expand its MCP offerings, with plans to support additional products and workflows in the coming months.
"We're watching merchants embrace AI as a partner in their quest for payments optimization," said Klas Bäck, CEO and Co-founder of Pagos. "But these tools are only as good as the context they can access. Our MCP Server opens the door to smarter BIN-based automation by giving AI agents the most up-to-date data directly from the card networks."
This launch positions Pagos as a pioneer in integrating payments intelligence with AI, offering businesses a competitive edge in managing global transactions. With a focus on scalability and accessibility, Pagos is set to drive further innovation in the payments industry.
Pagos is a 2024 Fintech Innovation 50 honoree, providing data-driven payments intelligence solutions that help businesses maximize revenue and minimize costs. The company powers payments optimization for leading global brands including Adobe, Eventbrite, GoFundMe, StubHub, Ultra Mobile, and Warner Bros. Discovery (Max).
Pagos is backed by Arbor Ventures, Infinity Ventures, Point72 Ventures, Tarsadia, and Underscore VC and has a global team spanning ten countries.
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