Pagos, a leading AI-driven payments intelligence company, announced a significant expansion of its Model Context Protocol (MCP) Server, giving merchants the ability to query their own verified and harmonized payments data through AI chat agents such as Claude, ChatGPT, and Gemini. This upgrade transforms how businesses analyze transaction data, approval rates, processor performance, and more.
Originally launched in June 2025 as an open-source MCP server, the platform enabled large language models (LLMs) to securely access real-time BIN-level data from card networks. The latest expansion now allows merchants to engage directly with aggregated transaction event data via natural language, asking questions like: “What decline codes fueled the spike in declines on February 3?” or “What are my top dispute reasons this quarter?” and receive verified answers instantly.
“Payments teams are done spending hours digging through raw payments data. They need instant & actionable insights based on verified and reliable data,” said Albert Drouart, CPO and Co-Founder of Pagos. “Our competitive advantage has always been payments data aggregation and harmonization—the Pagos MCP Server gives teams conversational access to that verified, consolidated, and enriched data in whatever AI workflow they’re already using.”
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The MCP Server leverages Pagos’ strengths in data consolidation, normalization, and enrichment. Merchants can connect payment processors via no-code integrations or the Data Ingestion API to access unified streams of transaction data, enriched with details such as issuing bank, card type, and routing options. Flexible natural language queries allow users to analyze refunds, declines, chargebacks, and other metrics across processors, regions, and card brands.
Pagos MCP Server integrates seamlessly into merchants’ existing AI workflows, extending the capabilities of Pagos AI, the company’s internal chatbot, to external platforms. This enables operators to combine payments intelligence with internal business context, automate monitoring, and streamline routing decisions.
“We’re a Payments Intelligence company,” added Klas Bäck, CEO and Co-Founder of Pagos. “The days of flying blind without payments data visibility are done. Payment operators want answers now, and they want them in their existing AI workflows.” The platform ensures full privacy, with no data shared between customers, catering to today’s lean and efficiency-driven payments teams.
