Stripe

In this article, you'll learn how to connect Stripe to Enjo using Model Context Protocol (MCP), enabling your AI Agent to query payment data and perform payment operations in real time.

Note: This integration requires admin or Owner access in both your Stripe account and your Enjo workspace.

How this works

Stripe MCP is an AI action in Enjo — meaning your AI Agent can query and operate on your Stripe data in real time during customer interactions. The connection uses bearer token authentication and requires your Stripe API secret key.

Once connected, your AI Agent can:

• Look up customer payment history

• Retrieve invoice details

• Check payment status

• Create charges and refunds

• Manage customer payment methods

• Resolve billing and payment disputes with accurate data

What is Model Context Protocol (MCP)?

MCP is an open standard that enables AI systems to safely connect to external APIs and tools. Instead of hardcoding integrations, MCP provides a secure, standardized way to give AI Agents access to services like Stripe.

Key benefits of MCP:

• Secure — APIs are accessed via authenticated bearer tokens, not embedded credentials

• Standardized — Same protocol across all MCP integrations (Stripe, future integrations, etc.)

• Flexible — Add or remove MCP integrations without code changes

• Auditable — All AI Agent actions through MCP are logged for compliance

Before you start

Prerequisites:

• Admin or Owner role in Enjo workspace

• Stripe account with API access

• Access to Stripe Developer Settings

Choose your environment:

• Test mode — Use test API keys during development and testing

• Live mode — Use live API keys only after testing is complete

ℹ️ Tip: Start with Stripe Test mode to safely verify your AI Agent's payment operations before enabling live transactions.

Step 1: Access App Integrations in Enjo

1. Log in to your Enjo workspace.

2. Navigate to Settings > Apps.

3. Click the Connect Apps tab (or Apps tab depending on your UI version).

4. You'll see a list of available integrations.
   

   

Step 2: Search for Stripe MCP

1. In the App Integrations list, search for Stripe MCP.

2. Click Stripe MCP to open the connection form.

You'll see the MCP connection form with the following fields:

• Enter Connection Name — Give your connection a name (e.g., "Stripe Payments")

• Enter MCP Server URL — Pre-filled with Stripe's MCP endpoint

• Select Authentication Method — Set to "Bearer"

• Enter Bearer Token — Your Stripe API secret key

  

Step 3: Retrieve your Stripe API secret key

Your Stripe API secret key is required to authenticate the connection.

In your Stripe account:

1. Log in to Stripe Dashboard.

2. Navigate to Developers > API Keys (in the left sidebar).

3. You'll see two API key types:

   • Publishable key — Safe to use in public (frontend code)

   • Secret key — Keep private; used for backend and AI operations

4. You need the Secret key.

5. Toggle between Test mode and Live mode (top left) depending on which key you want to use.

6. Click the Reveal button next to the Secret key.

7. Copy the secret key (starts with sk_test_ for test mode or sk_live_ for live mode).

⚠️ Warning: Your secret key is sensitive. Treat it like a password:

• Never share it publicly or with anyone outside your organization

• Never commit it to version control

• Rotate it regularly in Stripe Developer Settings if you suspect it's been exposed

Step 4: Enter the bearer token in Enjo

1. Return to the Stripe MCP connection form in Enjo.

2. In the Enter Bearer Token field, paste the Stripe secret key you copied.

3. Enter Connection Name — Optionally customize the connection name (e.g., "Stripe Test" or "Stripe Live").

4. Verify that Select Authentication Method is set to Bearer.

5. Click Submit.

Step 5: Confirm the connection

After clicking Submit, Enjo will validate the bearer token with Stripe. You'll see:

• Success notification — "MCP connection successful" (green banner)

• Connection listed — Your new Stripe MCP connection appears in the App Integrations list

• Status — Shows as "Active" (green)

The connection is now live and your AI Agent can use Stripe actions.

Verify the connection is working

To test your Stripe MCP connection:

1. Go to AI Agents in your Enjo workspace.

2. Create a new AI Agent or edit an existing one.

3. Navigate to AI Actions or MCP Actions section.

4. Search for Stripe in the available actions.

5. You should see Stripe payment actions available (e.g., "Look up customer," "Retrieve invoice").

6. Add a test action and ask your AI Agent a payment-related question:

   • "What is our customer's invoice status?"

   • "Retrieve the most recent payment for customer XYZ"

7. The AI Agent should retrieve data from Stripe and return the answer.

If the connection fails, see the troubleshooting section below.

Manage your connection

From the App Integrations list, you can:

Test mode vs. Live mode

Test mode (Recommended for setup):

• Use Stripe test API keys (start with sk_test_)

• No real charges are created

• No real customers are affected

• Safe for developing and testing your AI Agent

• Use this first to verify everything works

Live mode (Only after testing):

• Use Stripe live API keys (start with sk_live_)

• Real charges are created

• Real customer data is accessed

• Production environment

• Only switch to live after thorough testing

How to switch between modes:

1. In Stripe Dashboard, toggle View test data (top left)

2. In Developer Settings, you'll see separate API keys for test and live

3. In Enjo, you can maintain two separate MCP connections: one for test, one for live

4. Your AI Agent can be configured to use either connection

💡 Tip: Create two MCP connections in Enjo—one for Stripe Test mode and one for Stripe Live mode. This lets you safely test changes before pushing to production.

Security best practices

Protect your secret key:

• Store secret keys in a secure location (only share with Enjo)

• Rotate keys regularly (especially if anyone left your team)

• Use test keys during development

• Review Stripe logs to monitor AI Agent activity

• Never commit API keys to version control

• Never share API keys in emails or chat

• Never use the same key across multiple workspaces

Review AI Agent permissions:

• By default, AI Agents with access to Stripe MCP can perform any action that the API key allows

• Consider what payment operations your AI Agent really needs

• Test thoroughly in Test mode before enabling in Live mode

Monitor activity:

• Check Stripe Dashboard > Logs regularly to see what operations your AI Agent has performed

• Set up Stripe alerts for unusual activity

• Audit your Enjo audit log to track which AI Agents accessed Stripe

Troubleshooting

"Bearer token invalid" error

Check that:

• You copied the entire secret key (should start with sk_test_ or sk_live_)

• There are no extra spaces before or after the key

• You're using the Secret key, not the Publishable key

• The key hasn't been revoked in Stripe Developer Settings

"Connection failed" or timeout

Check that:

• Your Stripe account has API access enabled

• You're using the correct Stripe environment (test vs. live)

• Enjo has network access to Stripe's servers (no firewall blocks)

AI Agent can't access Stripe actions

Check that:

• The connection status shows "Active" (green)

• The AI Agent is configured to use the Stripe MCP connection

• You've added Stripe actions to the AI Agent's action set

"Permission denied" when running a Stripe action

This usually means:

• The API key doesn't have permission for that action

• The action requires Live mode, but you're using a Test key (or vice versa)

• The Stripe account doesn't have the feature enabled (e.g., Connect, Issuing)

Check your Stripe account settings and verify the API key has the necessary permissions.

What's next

• Stripe MCP Actions — Learn what actions your AI Agent can perform with Stripe

• Using AI Actions — Configure your AI Agent to use the Stripe connection

• Audit Log — Track all AI Agent activity for compliance