Overview

Stripe MCP is the Model Context Protocol server for Stripe, the leading payment processing platform. It enables AI assistants to interact with Stripe''s comprehensive payment infrastructure, including customers, subscriptions, invoices, payment intents, and financial reporting through a standardized MCP interface.

Stripe powers payment processing for millions of businesses worldwide, from startups to Fortune 500 companies. The MCP server provides programmatic access to Stripe''s full API surface, enabling AI workflows that can manage customer billing, analyze revenue data, handle subscription changes, and troubleshoot payment issues.

Given the financial sensitivity of payment operations, Stripe MCP represents one of the highest-stakes connectors in any AI governance strategy. Every operation touches real money, making proper access controls and audit trails essential.

Key Features

Customer Management

Create, update, and search customer records. Manage customer metadata, payment methods, and billing information through AI-assisted workflows.

Subscription & Billing

Create and manage subscriptions, handle plan changes, process cancellations, and manage billing cycles. Monitor subscription health and churn metrics.

Payment Operations

Create payment intents, process refunds, and manage disputes. Handle one-time charges and recurring billing through conversational AI interactions.

Invoice Management

Generate, send, and manage invoices. Track payment status, send reminders, and handle invoice adjustments programmatically.

Financial Reporting

Access revenue data, subscription metrics, and payment analytics. Generate financial reports and track key business metrics through AI queries.

Product & Price Management

Create and manage products, prices, and pricing tiers. Update pricing structures and manage product catalogs.

Capabilities

Stripe MCP exposes 7 tools for AI agents. 4 require approval.

3 Read3 Write1 Delete

Tool	Operation	Risk	Description
`list_invoices` Lists invoices with filters	Read	Medium Risk	Lists invoices with filters
`create_payment`Approval Creates a payment intent	Write	High Risk	Creates a payment intent
`process_refund`Approval Processes a refund	Write	High Risk	Processes a refund
`list_customers` Lists customer records	Read	Medium Risk	Lists customer records
`get_balance` Gets account balance	Read	Medium Risk	Gets account balance
`create_subscription`Approval Creates a recurring subscription	Write	High Risk	Creates a recurring subscription
`cancel_subscription`Approval Cancels a subscription	Delete	High Risk	Cancels a subscription

Use Cases

Strategy-Aligned Use Cases

Revenue Analytics & Reporting

AI assistants can query Stripe data to generate revenue reports, track MRR/ARR growth, analyze churn patterns, and identify expansion opportunities.

Customer Billing Support

Help support teams resolve billing inquiries by looking up customer payment history, subscription status, and invoice details through conversational AI.

Subscription Management

Automate routine subscription operations like plan upgrades, trial extensions, and billing schedule adjustments with proper approval workflows.

Financial Health Monitoring

Monitor payment failure rates, dispute volumes, and revenue trends. Alert teams to anomalies and generate insights for business review meetings.

Considerations

Before You Adopt

**Financial Risk — Critical**: Stripe operations directly affect revenue and customer billing. Creating charges, modifying subscriptions, or processing refunds involves real monetary transactions. This is among the highest-risk MCP connectors.
**PCI & Compliance**: Payment data is subject to PCI DSS compliance requirements. AI access to payment methods, card details, and transaction data must comply with payment industry regulations.
**Refund & Dispute Risk**: The ability to issue refunds or respond to disputes through AI carries significant financial risk. These operations should require human approval in most governance configurations.
**Customer Impact**: Billing changes directly affect customers. Incorrect subscription modifications, unexpected charges, or billing errors can damage customer relationships and trigger support escalations.
**Audit Requirements**: Financial operations require comprehensive audit trails for accounting, tax, and regulatory compliance. Every AI-initiated Stripe action must be fully logged and attributable.

Stratafy Fit

Integration Potential

3/5

Stripe MCP is a critical governance target for Stratafy, though its fit as a frequently-governed connector is moderate due to most organizations limiting AI access to read-only financial operations. Stratafy''s governance platform can enforce strict read-only access for financial data queries while gating all write operations (charges, refunds, subscription changes) behind multi-step approval workflows. The high-risk nature of financial operations makes Stripe an excellent showcase for Stratafy''s compound risk detection and approval workflow features. Organizations will value the comprehensive audit trails Stratafy provides for any AI-Stripe interactions.

Stripe MCP