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SmartRetry MCP server

Which MCP servers are SmartRetry's own, from the official registry and from asking its own domain, whether they answer, and what they offer. A program checked each of these, nobody copied them from a product page.

read 2026-11-03

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Whose server it is
  • Registry namecom.smartretry/payment-toolsverified in the MCP registry

The registry name sits under smartretry.com. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

When we asked itchecked 2026-11-03
  • Stateanswerschecked 2026-11-03
  • Tools4
  • Server calls itselfsmartretry-tools
  • Server version1.0.0
  • Protocol version2025-06-18

On 2026-11-03 the server answered initialize and tools/list without a sign-in. First answer in 150 ms.

Should an agent connect itSkip it
  • Its tools do none of the product's use cases we checked: reroute failed transactions through alternate processors or paths; schedule retries for soft-declined card payments.
  • Checked on 1 of the 7 days it takes to judge reliability.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

Measured dailydaily checks: 1, the first on 2026-11-03
  • INITE MCP scoreafter a weeka score needs 7 daily checks: 1 so far
  • What an agent can do with it0 of 2 use cases
  • Answeredmeasuring1 of the 7 daily checks it takes to print a share
  • Median first answer145 ms
  • Space in an agent's context≈ 656 tokensthe definitions of all its tools (4), which an agent carries on every turn
  • Tool definitionsA · 100 of 100
  • Typed results0 of 4 toolsdeclared outputSchema: results come typed, read once
  • Every tool passes all six checks.

What an agent can do with it

  • not sure · recover payments declined for 3DS or issuer reasons
  • cannot · reroute failed transactions through alternate processors or paths
  • cannot · schedule retries for soft-declined card payments

Each of the product's use cases, put to Jev against this server's tool list: can an agent do it with these tools?

Worth a look

None of the five warning signs in these definitions.

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (25%), doing the product's job (25%), definitions (20%), context (10%), use (10%) and how readily a client connects (10%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

Tools it offers4 tools · read 2026-11-03
  • 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…

  • 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.

  • 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…

How to connect

Add the server to your MCP client config. Claude Desktop, Cursor and most other clients read this shape:

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

Add it

Claude Code, in a terminal

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

Add to CursorAdd to VS Code

claude.ai, ChatGPT and other clients: add https://tools.mcp.smartretry.com/mcp as a custom connector in the settings.

Each line is something a program found when it went looking: the registry entry, the server's own answer, a spec that parses. A missing line means we did not find it, not that it does not exist.