SmartRetry Payment Tools MCP Server

by smartretry Your server? Claim it

answering

SmartRetry Payment Tools is answering right now. Last checked 10 min ago. It exposes 4 tools.

Free BIN, issuer, MCC and decline code lookups for card payments (Visa, Mastercard, Stripe, Adyen).

Uptime history 5 days of history

5 days agonow

100.0%

Uptime 24h

91 of 91 checks

Tools

read from the server

57 ms

Response time

average over 24h

open, no key

Access

streamable-http

Nothing serious here today

Today is the operative word: we check SmartRetry Payment Tools every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 10 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add payment-tools --transport http https://tools.mcp.smartretry.com/mcp

Settings → Connectors → Add custom connector, then paste this address

https://tools.mcp.smartretry.com/mcp

~/.codex/config.toml

[mcp_servers.payment-tools]
url = "https://tools.mcp.smartretry.com/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "payment-tools": {
      "url": "https://tools.mcp.smartretry.com/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "payment-tools": {
      "type": "http",
      "url": "https://tools.mcp.smartretry.com/mcp"
    }
  }
}

Available tools 4

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

lookup

lookup_bin

BIN / IIN lookup (card BIN checker). Returns the card network (Visa, Mastercard, Amex and others), card type (credit, debit, prepaid), card level, issuing bank and country for the first 6 to 8 digits of a card number. Use it to identify a card or where it was issued. Never pass a full card number.

lookup_decline_code

Explain why a card payment was declined or failed. Accepts a decline code, response code, refusal reason or error message (for example "51", "05", "do_not_honor" or "insufficient funds") from card networks and processors such as Visa, Mastercard, Stripe and Adyen. Optionally narrow by provider.

lookup_issuer

Find card issuing banks by name, with their country, website and phone number. Accepts partial or misspelled names. Use it to confirm the bank behind a card or to find how to contact an issuer.

lookup_mcc

Merchant category code (MCC) lookup. Pass a 4-digit MCC for its full definition (category group, high-risk flag, Visa and Mastercard definitions), or describe a business (for example "grocery store" or "software") to find the matching MCC.

Endpoints

URL	Transport	State	Latency	Checked
https://tools.mcp.smartretry.com/mcp	streamable-http	answering	27 ms	10 min ago

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SmartRetry Payment Tools — questions

Answers built from our own checks of this server.

What can SmartRetry Payment Tools do?

It exposes 4 tools, read directly from the server on our last check. Among them: lookup_bin, lookup_decline_code, lookup_issuer, lookup_mcc. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →

Is SmartRetry Payment Tools working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 91 of 91 checks got a reply (100.0%), average response time 57 ms. The bar chart above shows every period we have measured.

How do I connect SmartRetry Payment Tools?

Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.

Does SmartRetry Payment Tools need an API key?

No. SmartRetry Payment Tools completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 4 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is SmartRetry Payment Tools?

It answers our handshake in 57 ms on average, which is faster than 99% of all working MCP servers we measure. That puts it in the quick quarter of the ecosystem. The comparison comes from our own checks across the whole registry, every 15 minutes.