Interswitch MCP Server

A Model Context Protocol (MCP) server that enables AI assistants to interact with Interswitch APIs for payments, transfers, VAS, cardless paycodes, Transaction Search, Card 360, lending, payouts, agency banking, and fintech card-processing utilities.

[!WARNING]
Public Preview: This MCP server is currently in public preview. It supports both Interswitch sandbox and production environments, so use cautiously, start with read-only mode, and report any issues you encounter.

Quick Start

Install and run via npm (recommended):

npx interswitch-mcp-server

Or install globally:

npm install -g interswitch-mcp-server
interswitch-mcp-server

Or for local development, clone and build:

git clone https://github.com/Dairus01/Interswitch-mcp-server.git
cd Interswitch-mcp-server
npm install
npm run build

Then configure your MCP client to use the server (see Client Integration).

Requirements

• Node.js v18+
• npm or yarn
• Interswitch API credentials for the domains you want to use
• Required Interswitch merchant, payable, initiating entity, terminal, or domain-specific identifiers for your use case

Configuration Options

Environment Variable	Purpose
INTERSWITCH_CLIENT_ID	Core OAuth2 client ID for payments, transfers, VAS, cardless, lending, transfer service, and payouts
INTERSWITCH_CLIENT_SECRET	Core OAuth2 client secret
INTERSWITCH_ENV	API environment: sandbox or production; defaults to sandbox
INTERSWITCH_READ_ONLY	Set true to block write tools before any API call; defaults to false
INTERSWITCH_REQUIRE_CONFIRMATION	Compatibility setting. Tool confirmation is enforced by tool mode and risk.
INTERSWITCH_MERCHANT_CODE	Merchant code for payment operations that require it
INTERSWITCH_PAYABLE_CODE	Payable code for payment operations that require it
INTERSWITCH_INITIATING_ENTITY_CODE	Initiating entity code for transfer operations
INTERSWITCH_TERMINAL_ID	Terminal ID for operations that require terminal identification
CARD360_CLIENT_ID	Separate Card 360 client ID
CARD360_CLIENT_SECRET	Separate Card 360 client secret
CARD360_RSA_PUBLIC_KEY	RSA public key used to encrypt Card 360 PIN payloads locally
TRANSACTION_SEARCH_CLIENT_ID	Separate Transaction Search client ID
TRANSACTION_SEARCH_CLIENT_SECRET	Separate Transaction Search client secret
INTERSWITCH_AGENCY_MERCHANT_ID	Agency Banking merchant identifier
INTERSWITCH_AGENCY_TERMINAL_ID	Agency Banking terminal identifier
INTERSWITCH_LEGACY_AUTH_ENABLED	Enables legacy InterswitchAuth-backed flows where supported
DEBUG	Enables debug logging. Avoid using this in production.

You can select the API environment with INTERSWITCH_ENV:

1. Sandbox (default): INTERSWITCH_ENV=sandbox
2. Production: INTERSWITCH_ENV=production

Security note: Production mode uses real Interswitch production endpoints. If INTERSWITCH_ENV=production, valid production credentials are configured, INTERSWITCH_READ_ONLY=false, and a write tool is called with confirm: true, the server can make real production API calls.

For safer first-time setup, start in read-only mode:

INTERSWITCH_ENV=production \
INTERSWITCH_READ_ONLY=true \
INTERSWITCH_CLIENT_ID=your_production_client_id \
INTERSWITCH_CLIENT_SECRET=your_production_client_secret \
interswitch-mcp-server

When you are authorized and ready to allow live writes, set:

INTERSWITCH_READ_ONLY=false

Client Integration

The Interswitch MCP Server works with any MCP-compatible client. Below is the standard configuration schema used by most clients (Claude Desktop, ChatGPT Desktop, Cursor, Windsurf, VS Code, Claude Code, etc.).

Using npm (recommended)

For npm-installed server:

{
  "mcpServers": {
    "interswitch": {
      "command": "npx",
      "args": ["-y", "interswitch-mcp-server"],
      "env": {
        "INTERSWITCH_ENV": "sandbox",
        "INTERSWITCH_READ_ONLY": "true",
        "INTERSWITCH_CLIENT_ID": "your_client_id",
        "INTERSWITCH_CLIENT_SECRET": "your_client_secret",
        "INTERSWITCH_MERCHANT_CODE": "your_merchant_code",
        "INTERSWITCH_PAYABLE_CODE": "your_payable_code",
        "INTERSWITCH_INITIATING_ENTITY_CODE": "your_entity_code"
      }
    }
  }
}

For production, change the environment values intentionally:

{
  "mcpServers": {
    "interswitch": {
      "command": "npx",
      "args": ["-y", "interswitch-mcp-server"],
      "env": {
        "INTERSWITCH_ENV": "production",
        "INTERSWITCH_READ_ONLY": "true",
        "INTERSWITCH_CLIENT_ID": "your_production_client_id",
        "INTERSWITCH_CLIENT_SECRET": "your_production_client_secret",
        "INTERSWITCH_MERCHANT_CODE": "your_production_merchant_code",
        "INTERSWITCH_PAYABLE_CODE": "your_production_payable_code",
        "INTERSWITCH_INITIATING_ENTITY_CODE": "your_production_entity_code"
      }
    }
  }
}

Using a local build

If you've cloned and built the server locally:

{
  "mcpServers": {
    "interswitch": {
      "command": "node",
      "args": ["/path/to/Interswitch-mcp-server/dist/index.js"],
      "env": {
        "INTERSWITCH_ENV": "sandbox",
        "INTERSWITCH_READ_ONLY": "true",
        "INTERSWITCH_CLIENT_ID": "your_client_id",
        "INTERSWITCH_CLIENT_SECRET": "your_client_secret"
      }
    }
  }
}

[!IMPORTANT]
When setting command: "node", you should ensure you're using Node v18+. If you are using a package manager, you might need to get the path of your Node binary by running this command in your CLI:

Linux and MacOS

which node

Windows

where node

Once you have the path, use it as the value of the MCP Server command in the JSON configuration. e.g., command: "path/to/installation/bin/node"

Where to add this configuration

Client	Config file location
VS Code	.vscode/mcp.json
Claude Desktop	claude_desktop_config.json
ChatGPT Desktop	MCP settings in app preferences
Cursor	.cursor/mcp.json or global MCP settings
Windsurf	MCP configuration in settings
Claude Code	~/.claude/mcp.json or project-level .mcp.json

How It Works

The Interswitch MCP Server exposes Interswitch API domains to AI assistants through dedicated MCP tools. The server does not parse an OpenAPI file at runtime; instead, it provides curated, typed tools for the supported Interswitch domains.

Architecture Diagram

graph TD
    subgraph MCP Server
        A[Interswitch MCP Server]
        B[Tool Registry]
        C[Resource Registry]
    end

    subgraph Auth Layer
        D[OAuth2 Passport Manager]
        E[Card 360 Token Manager]
        F[Transaction Search Manager]
        G[Agency Banking Token Manager]
        H[Legacy Auth Manager]
    end

    subgraph Core Services
        I[Payments Service]
        J[VAS Services]
        K[Transfers Service]
        L[Cardless Services]
        M[Transaction Search Service]
        N[Card 360 Service]
        O[Lending Service]
        P[Transfer Service]
        Q[Payouts Service]
        R[Agency Service]
        S[Fintech Utilities]
    end

    subgraph Safety Layer
        J1[Confirmation Gate]
        J2[Read-Only Mode]
        J3[Redaction System]
        J4[Audit Logging]
    end

    A --> B
    A --> C
    A --> D
    A --> E
    A --> F
    A --> G
    A --> H
    B --> I
    B --> J
    B --> K
    B --> L
    B --> M
    B --> N
    B --> O
    B --> P
    B --> Q
    B --> R
    B --> S
    I --> J1
    J --> J1
    K --> J1
    L --> J1
    M --> J1
    N --> J1
    O --> J1
    P --> J1
    Q --> J1
    R --> J1
    S --> J1
    J1 --> J2
    J2 --> J3
    J3 --> J4
    J4 --> Z[External APIs]
    
    style MCP Server fill:#f0f8ff,stroke:#333,stroke-width:2px
    style Auth Layer fill:#e6f7e6,stroke:#333,stroke-width:1px
    style Core Services fill:#f9f9f9,stroke:#666,stroke-width:1px
    style Safety Layer fill:#fff0f0,stroke:#c33,stroke-width:1px
    style Z fill:#d4d4d4,stroke:#999,stroke-dasharray: 5 5

Each tool:

1. Validates its input with a strict schema
2. Applies confirmation and read-only safety gates
3. Selects the configured sandbox or production base URL
4. Uses the correct authentication system for the domain
5. Calls the Interswitch API only when the tool is invoked
6. Redacts sensitive fields from returned data
7. Returns a normalized MCP response

Authentication systems

Auth system	Used for
OAuth2 Passport	Core payments, transfers, VAS, cardless, lending, transfer service, and payouts
Card 360 token manager	Card 360 operations
Transaction Search token manager	Transaction Search APIs
Legacy InterswitchAuth	Legacy signed request flows where enabled
Agency Banking token manager	Agency Banking SOAP/XML token flow

Available Tools

Tool	Description
isw_initialize_payment	Initialize a payment request
isw_get_transaction_status	Check transaction status
isw_get_transaction_by_reference	Fetch transaction by reference
isw_create_payment_link	Create a payment link
isw_initiate_refund	Initiate a refund; high-risk write
isw_get_refund_status	Check refund status
isw_pay_bill	Pay a bill
isw_get_billers	List billers
isw_get_biller_packages	List packages for a biller
isw_get_billers_by_category	List billers by category
isw_get_biller_details	Fetch biller details
isw_validate_customer	Validate a biller customer
isw_pay_vas_bill	Pay a VAS bill
isw_airtime_recharge	Recharge airtime
isw_get_airtime_epins	Request airtime ePINs
isw_single_transfer	Send a single bank transfer; high-risk write
isw_bulk_transfer	Send bulk transfers; high-risk write; max 100 transactions
isw_resolve_bank_account	Resolve bank account details
isw_get_bank_codes	List supported bank codes
isw_agency_banking_cashout	Initiate agency cashout; high-risk write
isw_create_paycode	Create a cardless paycode
isw_create_bulk_paycodes	Create bulk paycodes; high-risk write; max 100 paycodes
isw_get_paycode_status	Check paycode status
isw_deactivate_paycode	Deactivate a paycode
isw_transaction_search_quick_search	Search transactions by quick-search fields
isw_transaction_search_reference_search	Search by transaction reference
isw_transaction_search_bulk_search	Search multiple transactions
isw_get_transaction_details	Fetch detailed transaction information
isw_create_card	Create a card; high-risk write
isw_retry_card_creation	Retry card creation
isw_initiate_card_data_prep	Initiate card data preparation
isw_fetch_data_prep_request	Fetch a data-prep request
isw_fetch_prepared_cards	Fetch prepared cards
isw_bulk_card_production	Start bulk card production; high-risk write
isw_reissue_card_pin	Reissue a card PIN; high-risk write
isw_change_card_pin	Change a card PIN; high-risk write
isw_get_pin	Retrieve PIN-related response where supported; high-risk read
isw_block_card	Block a card; high-risk write
isw_unblock_card	Unblock a card; high-risk write
isw_block_prepaid_card	Block a prepaid card; high-risk write
isw_unblock_prepaid_card	Unblock a prepaid card; high-risk write
isw_link_card_to_account	Link a card to an account; high-risk write
isw_check_prepaid_balance	Check prepaid card balance
isw_check_debit_balance	Check debit card balance
isw_confirm_prepaid_sufficient	Confirm prepaid sufficient balance
isw_confirm_debit_sufficient	Confirm debit sufficient balance
isw_fetch_cards_by_issuer	Fetch cards by issuer
isw_fetch_single_card_by_pan	Fetch a single card by PAN with redaction
isw_fetch_cards_by_account	Fetch cards by account
isw_fetch_customer_card_details	Fetch customer card details
isw_fetch_request_logs	Fetch Card 360 request logs
isw_validate_card	Validate card data
isw_request_nano_loan	Request a nano loan; high-risk write
isw_salary_lending	Start salary lending flow; high-risk write
isw_value_financing	Start value financing flow; high-risk write
isw_get_customer_demographics	Fetch customer demographics
isw_get_financial_history	Fetch customer financial history
isw_get_financial_history_average	Fetch financial-history averages
isw_get_financial_habits	Fetch customer financial habits
isw_credit_inquiry	Run credit inquiry
isw_complete_credit	Complete credit using OTP; high-risk write
isw_requery_transfer	Requery transfer status
isw_get_receiving_institutions	List payout receiving institutions
isw_get_payout_channels	List payout channels
isw_agency_get_token	Fetch/cache Agency Banking token
isw_fintech_validate_debit_payload	Validate debit payload structure
isw_fintech_validate_reversal_payload	Validate reversal payload structure
isw_fintech_validate_enquiry_payload	Validate enquiry payload structure
isw_fintech_validate_place_lien_payload	Validate place-lien payload structure
isw_fintech_validate_debit_lien_payload	Validate debit-lien payload structure
isw_fintech_compute_mac	Compute MAC; high-risk because it accepts secrets
isw_fintech_build_response	Build fintech response payload; high-risk when secrets are supplied

Available Resources

Resource	URI	Description
response_codes	isw://response-codes	Common Interswitch response-code reference
config_summary	isw://config-summary	Safe runtime configuration summary; returns credential presence only, never secrets

Example

When you ask your AI assistant something like "Use Interswitch to initialize a 5000 NGN payment for customer@example.com", here's what happens behind the scenes:

1. The assistant selects isw_initialize_payment
2. It passes explicit money input such as amountNaira: 5000
3. For write operations, it must include confirm: true
4. The server validates the request, converts the amount safely where required, authenticates with Interswitch, and calls the configured sandbox or production endpoint
5. You get a normalized response with redacted raw data

Prompt recommendation

To get the best results when using this MCP server, be specific in your prompts and always include "Interswitch" in your requests.

Good prompts:

• "Initialize an Interswitch payment for 50000 NGN for user@example.com."
• "Check the Interswitch transaction status for reference order-1001."
• "Resolve Interswitch bank account 0123456789 with bank code 058."
• "Send an Interswitch single transfer for 1000 NGN with confirm true."
• "Read the Interswitch response code resource."

Less effective prompts:

• "List my transactions" (unclear which service and reference/search criteria to use)
• "Send money" (missing beneficiary, bank, amount, and confirmation details)
• "Pay this bill" (missing biller, package, customer, and amount details)

Being explicit ensures the LLM narrows down to the right tool quickly and reduces ambiguity.

Production Safety

This server can route to production Interswitch endpoints when INTERSWITCH_ENV=production is set. Production readiness depends on correct credentials, Interswitch account permissions, and your organization's operational controls.

Safety behavior built into the server:

• Write tools require confirm: true
• High-risk sensitive read tools require confirm: true
• INTERSWITCH_READ_ONLY=true blocks all writes before any external API call
• Low-risk reads do not require confirmation
• Raw responses are redacted before being returned
• Tokens and secrets are never intentionally returned in tool output
• Card PIN payloads are encrypted locally when the required RSA public key is configured
• Production startup warnings are written to stderr instead of silently hiding risky configuration

Recommended production rollout:

1. Configure production credentials but keep INTERSWITCH_READ_ONLY=true
2. Verify startup warnings and config summary
3. Test safe read-only tools first
4. Confirm domain credentials for the exact tools you intend to use
5. Switch INTERSWITCH_READ_ONLY=false only when live writes are authorized
6. Require human review before prompts that include confirm: true

Development

Run locally (without building)

For local development and testing, you can run the TypeScript source directly:

npm run dev

Run with MCP Inspector

npm run inspect

Build

npm run build

Run tests

npm test

Type-check

npm run lint

Preview npm package contents

npm pack --dry-run

Troubleshooting

Issue	Solution
Server exits silently at startup	Run it from a terminal and check stderr; verify Node v18+ and valid environment variables
Production warning appears	Add the missing credential group, set INTERSWITCH_READ_ONLY=true, or disable DEBUG depending on the warning
Tools not appearing in client	Ensure the server is running and the client config path is correct
Write tool blocked	Pass confirm: true; if still blocked, check INTERSWITCH_READ_ONLY
High-risk read blocked	Pass confirm: true
Payment tools fail	Configure INTERSWITCH_MERCHANT_CODE and INTERSWITCH_PAYABLE_CODE where required
Transfer tools fail	Configure INTERSWITCH_INITIATING_ENTITY_CODE where required
Card 360 tools fail	Configure CARD360_CLIENT_ID and CARD360_CLIENT_SECRET
PIN operations fail	Configure a valid CARD360_RSA_PUBLIC_KEY
Transaction Search fails	Configure TRANSACTION_SEARCH_CLIENT_ID and TRANSACTION_SEARCH_CLIENT_SECRET
Agency tools fail	Configure INTERSWITCH_AGENCY_MERCHANT_ID and INTERSWITCH_AGENCY_TERMINAL_ID
Request timeouts	Check network connectivity to the configured Interswitch environment

Contributing

Pull requests are welcome. For major changes, please open an issue first to discuss what you would like to change.

See CONTRIBUTING.md for more details.

License

MIT