In anticipation of the advent of the Agentic Commerce era, MCP server for the first time in Japan is released on GitHub as OSS
~ fincode byGMO "Supporting the Establishment of a Technical Foundation for AtoA Transactions~

GMO Internet Group provides comprehensive payment-related services and finance-related services to GMO Payment Gateway, Inc. (TSE Prime Market: Stock Code 3769, President & Chief Executive Officer: Issei Ainoura hereinafter referred to as GMO-PG) and the consolidated company GMO Epsilon, Inc. (President & Chief Executive Officer: Tomoyuki Murakami or below), GMO-EP) released the MCP (Model Context Protocol) ^(*1) server of the online infrastructure of payments "fincode by GMO" on GitHub as OSS ^(*2) on Monday, August 4, 2025.
In anticipation of the advent of the "Agentic Commerce ^(*3)" era, where AI agents are responsible for economic activities autonomously, we will create an environment where developers around the world can freely utilize the MCP of "fincode byGMO". This will help build a technological foundation for the future of Agent-to-Agent (AtoA) trading, where AI agents can autonomously trade with each other.

• *1 A common standard for AI agents to understand the specifications of external services and generate and execute appropriate requests.
• (*2) Abbreviation for Open Source Software. The source code is released free of charge and can be used, modified, and redistributed by anyone software
• *3 AI agents autonomously perform economic activities such as searching, comparing, purchasing, and payment products and services based on user instructions.

【Background and Summary】

Advances in generative AI are changing the decision-making process for individuals and businesses, with the adoption of AI-powered natural language assistance tools from the daily life to the work domain. Against this backdrop, attempts to "Agentic Commerce," in which AI agents autonomously search for products and services, compare, purchase, and even payment, are spreading overseas, and the development of infrastructure of payments to support this is also progressing. However, payment service providers (PSPs) in Japan have not been able to respond to the assumption of direct connection to these AI agents.
In response to this situation, GMO-PG has pioneered the development of a system that can utilize payment functions via AI agents, and has achieved MCP support for "fincode byGMO" for the first time ^{in Japan (*4)}。 We provided an evaluation version to companies that are working on advanced AI development, and based on feedback, we improved the product, and now released it on GitHub as OSS. Companies have commented that "the link can be issued in a consistent flow without relying on payment method, and the intuitive UI/UX has contributed to reducing the operational load," and "the API documentation is organized and the implementation can be carried out without additional confirmation, which has reduced development man-hours."
This release will enable developers to quickly consider the introduction of "fincode byGMO" and integrate it into their applications using MCP hosts such as Claude for Desktop ^(*5) and VSCode ^(*6). In addition, AI agents can be linked with multiple tools, allowing for flexible response to a wide range of development environments and applications.
As the number one PSP in the AI-native era, GMO-PG will continue to provide advanced value to society through the fusion of AI technology and infrastructure of payments.

• *4 Announced on June 19, 2025, "For the first time in Japan, "fincode byGMO" supports MCP, making it the optimal payment platform in the AI era"
  （URL：https://www.gmo-pg.com/news/press/gmo-paymentgateway/2025/0619.html）
• *5 A generative AI model developed by Anthropic in the United States.
• (*6) Abbreviation for Visual Studio Code. A source code editor developed and provided by Microsoft Corporation in the United States.

■ The MCP server of "fincode byGMO" can be downloaded and used from the following page ^(*7).​ ​https://github.com/fincode-byGMO

• (*7) The specifications of the "fincode byGMO" MCP server may be changed or discontinued without notice. Please note.

Japan Data Science Consortium Co., Ltd. Technical Co-Founder Keisuke Hashimoto Comment

This time, from the perspective of an AI startup company, we were able to consider the use of AI services and verify technology. Claude for Desktop can use the fincode byGMO API via MCP, allowing you to create payment pages that traditionally required understanding of parameters, specifications, and programming skills simply by interacting with AI tools. By using AI, it is possible to generate 2D code for payment, so I feel that there are various possibilities, and the ability to easily implement payment functions will be a powerful support for everyone who wants to start a business in the cashless era. The use of generative AI to create payment pages, the user-friendly payment features of "fincode byGMO", and the combination of dashboards and UI/UX are good examples of Agentic AI ×Fintech, which has been attracting attention recently.
At this stage, there is room for tuning in document search, etc., but it will be enhanced in the future, and since it will be released as OSS, I think it will be valuable as a reference example for future MCP implementations.
Above all, we have high expectations for the future development of AI-native payment services.

[About MCP support]

MCP is a common standard that allows AI agents to understand the specifications of external services and generate and execute appropriate requests. In "fincode byGMO", the following functions are available through interaction with AI through MCP support.
1. Development Documentation Search
For example, if you type "I want to implement recurring billing in my payment system" to the AI, the MCP server will quickly search for the "fincode byGMO" development documentation including specifications and API references, and return the tool definition to the AI agent in JSON format. This allows developers to obtain technical information from the chat screen of the conversational AI agent they use and start developing as it is. This minimizes the development burden of developers and leads to the optimal and safe embedding of "fincode byGMO" with various functions.
2. Redirect type payment URL creation
When you enter "Create a payment URL for 1,000 yen", the AI agent will execute the API of "fincode byGMO" and immediately issue a redirect payment URL. Even non-engineers, such as corporate sales representatives and sole proprietors, can intuitively build payment functions in dialogue with the AI they use on a daily basis.

【About "fincode byGMO"】

"fincode byGMO" is an online infrastructure of payments that snuggles up with the growth of startups. It not only solves the payment field challenges that arise before and after the launch of a new service, but also seamlessly delivers the scalable value required as the business phase progresses.
By providing an immediate test environment, rapid web review, and reducing development man-hours, we are able^​ to implement payment systems with short lead times^​. In addition, through REST ^{APIs (*10)} and other extended functions, we support adopters in their "next move", such as "supporting unique payment flows", "adding payment method to expand users", "adding subscription plans", and "expanding into a platform-based business model".
By providing these functions with no initial and monthly fees, and a fee structure that minimizes "hard-to-see costs" such as account maintenance costs and transfer fees, we reduce the burden of cost management for operators and provide an environment where they can focus on the growth of their own services.
Based on a design concept that considers scalability, it supports "MCP (Model Context Protocol)" in line with the evolution of UX in the AI era, and is leading a new user experience through the fusion of AI agents and payment.

• (*8) Abbreviation for Software Development Kit. fincode byGMO provides libraries that make it easier to incorporate APIs.
• *9 Function to generate and provide credit card information input forms.
• *10 Abbreviation for Representational State Transfer API. fincode byGMO allows you to manipulate data such as payment and subscriptions through a resource-oriented, easy-to-understand REST API.

【About GMO Epsilon, Inc.】

GMO-EP offers two payment processing services: "Epsilon by GMO" and "fincode byGMO". As of the end of March 2025, "Epsilon by GMO" is used by more than 40,000 e-commerce operators, and it is subject to initial costs and transaction processing fees ^(*11). It is available for free. "fincode byGMO" is an online payment service aimed at startups, designed to cater to various business needs. It enables rapid payment system deployment and is ideal for E-commerce as well as platform and subscription business models.
In addition, in order to support the smooth cash flow of e-commerce businesses, we also provide finance-related services such as the sales-linked business card "Cycle by GMO" and lending and Remittance Service.
TSE As a consolidated company of GMO Payment Gateway of a Prime-listed company, we provide an environment where users can use it with peace of mind with Privacy Mark certification, PCI DSS, and ISMS compliant security standards.

• *11 Transaction processing fee is a fee charged for each communication with the credit card company for credit card authorization ization (acquisition of an authorization number) or billing.