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SIBS Payment MCP

SIBS Payment MCP

SIBS Payment MCP

A Model Context Protocol (MCP) server that exposes the SIBS payment gateway as tools for AI agents — enabling LLMs to create checkouts, verify payments, issue refunds, and generate Multibanco references natively in any MCP-compatible environment.

MCP TypeScript SIBS License


What It Does

Bridges the SIBS payment gateway to the MCP ecosystem. Any AI agent or LLM-powered tool running in an MCP-compatible host (Claude Desktop, n8n, custom agents) can:

  • Check payment status in real time

  • Create checkout sessions with configurable payment methods

  • Capture, refund, or cancel authorised payments

  • Generate Multibanco references for ATM/homebanking payment

  • Initiate MB WAY push notifications to a customer's phone


Related MCP server: Magpie MCP Server

Architecture

flowchart LR
    A[AI Agent\nClaude / n8n] -->|MCP tool call| B[sibs-payment-mcp\nMCP Server]
    B -->|REST API| C[SIBS Gateway\nAPI]
    C -->|response| B
    B -->|structured result| A

    subgraph Tools
        T1[sibs_create_checkout]
        T2[sibs_payment_status]
        T3[sibs_capture_payment]
        T4[sibs_refund_payment]
        T5[sibs_cancel_payment]
        T6[sibs_generate_mb_reference]
        T7[sibs_mbway_payment]
        T8[sibs_test]
    end

Tools (8 total)

Tool

Description

sibs_create_checkout

Create a new checkout. Returns transactionID and hosted checkout URL

sibs_payment_status

Get payment state, amount, method, and timestamps by transaction ID

sibs_capture_payment

Capture an authorised payment — full or partial

sibs_refund_payment

Refund a captured payment — full or partial

sibs_cancel_payment

Cancel an authorised payment before capture

sibs_generate_mb_reference

Generate a Multibanco entity/reference for ATM payment

sibs_mbway_payment

Send MB WAY push to customer phone (351#912345678 format)

sibs_test

Validate credentials and connectivity


Stack

Component

Tool

Protocol

Model Context Protocol SDK

Language

TypeScript 5 + Node.js

Schema validation

Zod

Payment gateway

SIBS API (Portugal)

Build

tsc → dist/


Setup

Prerequisites

  • Node.js 18+

  • SIBS merchant account with API credentials

  • MCP-compatible host (Claude Desktop, n8n, custom agent)

1. Install

git clone https://github.com/RobsonAdvincula/sibs-payment-mcp.git
cd sibs-payment-mcp
npm install
npm run build

2. Configure environment

SIBS_BASE_URL=https://stargate.sibs.pt/m001/v1
SIBS_BEARER_TOKEN=your_bearer_token
SIBS_CLIENT_ID=your_client_id
SIBS_TERMINAL_ID=your_terminal_id

3. Add to MCP host

Claude Desktop (claude_desktop_config.json):

{
  "mcpServers": {
    "sibs-payment": {
      "command": "node",
      "args": ["/path/to/sibs-payment-mcp/dist/index.js"],
      "env": {
        "SIBS_BEARER_TOKEN": "...",
        "SIBS_CLIENT_ID": "...",
        "SIBS_TERMINAL_ID": "..."
      }
    }
  }
}

n8n MCP Client node: point to the compiled dist/index.js with the same env vars.


Example Interactions

Create a payment and send MB WAY:

Agent: "Create a €29.99 checkout for customer +351912345678"

→ sibs_create_checkout({ amount: 2999, currency: "EUR", paymentMethods: ["MBWAY"] })
→ sibs_mbway_payment({ transactionId: "txn_xxx", amount: 2999, customerPhone: "351#912345678" })

Result: "MB WAY notification sent. Customer has 4 minutes to confirm."

Verify and refund:

Agent: "Check transaction txn_abc and refund if paid"

→ sibs_payment_status({ transactionId: "txn_abc" })
  ← { status: "Success", amount: 4999 }
→ sibs_refund_payment({ transactionId: "txn_abc" })
  ← { refunded: true }

Payment Methods Supported

  • CARD — Visa / Mastercard

  • MBWAY — MB WAY mobile payment

  • REFERENCE — Multibanco ATM reference

  • COFIDIS — Instalments

  • PAYPAL — PayPal


License

MIT — free to use, adapt, and build on.


Built by Robson Advincula — AI & Automation Consultant

Available Tools

8 tools
sibs_cancel_paymentA

Cancel a SIBS payment authorization. Only works for payments not yet captured.

NameRequiredDescriptionDefault
transactionIdYesSIBS transaction ID to cancel
sibs_capture_paymentA

Capture a previously authorized SIBS payment. Omit amount for full capture, or specify partial amount in minor units.

NameRequiredDescriptionDefault
amountNoAmount to capture in minor units (omit for full capture)
currencyNoCurrency code (default: EUR)EUR
transactionIdYesSIBS transaction ID to capture
sibs_create_checkoutB

Create a new SIBS checkout/payment. Amount in minor units (1000 = 10.00 EUR). Returns transactionID and checkout URL.

NameRequiredDescriptionDefault
amountYesPayment amount in minor units (e.g., 1000 = 10.00 EUR)
currencyNoCurrency code (default: EUR)EUR
customerEmailNoCustomer email address
customerPhoneNoCustomer phone number
paymentMethodsNoAllowed payment methods (e.g., ['CARD', 'MBWAY', 'REFERENCE']). Defaults to all.
merchantTransactionIdNoYour own transaction reference/ID for reconciliation
sibs_generate_mb_referenceA

Generate a Multibanco (MB) payment reference. Returns entity, reference number, and amount for ATM/homebanking payment.

NameRequiredDescriptionDefault
amountYesAmount in minor units (e.g., 1000 = 10.00 EUR)
currencyNoCurrency code (default: EUR)EUR
expiryDateNoReference expiry date in ISO 8601 (e.g., '2026-03-01T23:59:59Z')
transactionIdYesSIBS transaction ID for Multibanco reference generation
sibs_mbway_paymentA

Initiate MB WAY payment. Sends notification to customer's MB WAY app. Phone format: '351#912345678'.

NameRequiredDescriptionDefault
amountYesAmount in minor units (e.g., 1000 = 10.00 EUR)
currencyNoCurrency code (default: EUR)EUR
customerPhoneYesCustomer phone with country code (e.g., '351#912345678')
transactionIdYesSIBS transaction ID for the MB WAY payment
sibs_payment_statusA

Get the status of a SIBS payment by transaction ID. Returns payment state, amount, method, and timestamps.

NameRequiredDescriptionDefault
transactionIdYesSIBS transaction ID (returned when payment was created)
sibs_refund_paymentA

Refund a SIBS payment. Omit amount for full refund, or specify partial amount in minor units.

NameRequiredDescriptionDefault
amountNoAmount to refund in minor units (omit for full refund)
currencyNoCurrency code (default: EUR)EUR
transactionIdYesSIBS transaction ID to refund
sibs_testA

Test SIBS API authentication. Verifies Bearer token and credentials are valid.

NameRequiredDescriptionDefault

No parameters

Tool Schema Changelog

Recent tool additions, removals, and schema changes observed during successful MCP inspections.

  1. 8 tool updatesv1.0.0
    • First observedsibs_cancel_payment
    • First observedsibs_capture_payment
    • First observedsibs_create_checkout
    • First observedsibs_generate_mb_reference
    • First observedsibs_mbway_payment
    • First observedsibs_payment_status
    • First observedsibs_refund_payment
    • First observedsibs_test

TDQS

A3.9/5.0

Scored across 8 tools

Disambiguation5/5

Each tool targets a distinct operation: authentication testing, initiating MB WAY, creating a checkout, generating Multibanco references, querying status, and lifecycle actions (capture, refund, cancel). There is no meaningful overlap or ambiguity between tool purposes.

Naming Consistency4/5

Most tools follow the sibs_verb_noun pattern (create_checkout, capture_payment, refund_payment, cancel_payment, generate_mb_reference). Minor deviations exist: sibs_mbway_payment and sibs_payment_status omit an explicit verb, and sibs_test uses a bare verb, but the shared sibs_ prefix keeps the family recognizable.

Tool Count5/5

Eight tools is well-scoped for a payment MCP server covering authentication, multiple payment methods, status lookup, and payment lifecycle operations. Each tool serves a necessary and distinct role without unnecessary bloat or duplication.

Completeness5/5

The tool surface covers the core payment workflow end-to-end: create payments via MB WAY, checkout, and Multibanco reference, check status, capture, refund, and cancel. Authentication testing is also included, making the set self-sufficient for typical SIBS integration scenarios.

Maintenance

ActivityStale
ResponsivenessNo recent community issues

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