银联 MCP 支付服务

Name: 银联 MCP 支付服务
Author: 中国银联

中国银联官方国内厂商

开始使用官网与文档

让 LLM 应用接入银联开放平台的交易创建、查询和退款能力。

接入配置

选择客户端，复制配置，再按项目文档补齐环境变量。

一键添加到 Cursor 一键添加到 VS Code

claude mcp add dfdb51 --env UP_ACCESS_TYPE='<UP_ACCESS_TYPE>' --env UP_ACQ_INS_CODE='<UP_ACQ_INS_CODE>' --env UP_BACK_URL='<UP_BACK_URL>' --env UP_DECRYPT_CERT_PATH='<UP_DECRYPT_CERT_PATH>' --env UP_ENCRYPT_CERT_PATH='<UP_ENCRYPT_CERT_PATH>' --env UP_ENCRYPT_CERT_PWD='<UP_ENCRYPT_CERT_PWD>' --env UP_FRONT_FAIL_URL='<UP_FRONT_FAIL_URL>' --env UP_FRONT_URL='<UP_FRONT_URL>' --env UP_LOG_DIR='<UP_LOG_DIR>' --env UP_MER_ID='<UP_MER_ID>' -- npx -y @unionpay/unionpay-mcp-server

~/.codex/config.toml

[mcp_servers.dfdb51]
command = "npx"
args = ["-y", "@unionpay/unionpay-mcp-server"]
env = { UP_ACCESS_TYPE = "<UP_ACCESS_TYPE>", UP_ACQ_INS_CODE = "<UP_ACQ_INS_CODE>", UP_BACK_URL = "<UP_BACK_URL>", UP_DECRYPT_CERT_PATH = "<UP_DECRYPT_CERT_PATH>", UP_ENCRYPT_CERT_PATH = "<UP_ENCRYPT_CERT_PATH>", UP_ENCRYPT_CERT_PWD = "<UP_ENCRYPT_CERT_PWD>", UP_FRONT_FAIL_URL = "<UP_FRONT_FAIL_URL>", UP_FRONT_URL = "<UP_FRONT_URL>", UP_LOG_DIR = "<UP_LOG_DIR>", UP_MER_ID = "<UP_MER_ID>" }

# codex mcp add dfdb51 --env UP_ACCESS_TYPE='<UP_ACCESS_TYPE>' --env UP_ACQ_INS_CODE='<UP_ACQ_INS_CODE>' --env UP_BACK_URL='<UP_BACK_URL>' --env UP_DECRYPT_CERT_PATH='<UP_DECRYPT_CERT_PATH>' --env UP_ENCRYPT_CERT_PATH='<UP_ENCRYPT_CERT_PATH>' --env UP_ENCRYPT_CERT_PWD='<UP_ENCRYPT_CERT_PWD>' --env UP_FRONT_FAIL_URL='<UP_FRONT_FAIL_URL>' --env UP_FRONT_URL='<UP_FRONT_URL>' --env UP_LOG_DIR='<UP_LOG_DIR>' --env UP_MER_ID='<UP_MER_ID>' -- npx -y @unionpay/unionpay-mcp-server

~/.cursor/mcp.json

{
  "mcpServers": {
    "dfdb51": {
      "command": "npx",
      "args": [
        "-y",
        "@unionpay/unionpay-mcp-server"
      ],
      "env": {
        "UP_ACCESS_TYPE": "<UP_ACCESS_TYPE>",
        "UP_ACQ_INS_CODE": "<UP_ACQ_INS_CODE>",
        "UP_BACK_URL": "<UP_BACK_URL>",
        "UP_DECRYPT_CERT_PATH": "<UP_DECRYPT_CERT_PATH>",
        "UP_ENCRYPT_CERT_PATH": "<UP_ENCRYPT_CERT_PATH>",
        "UP_ENCRYPT_CERT_PWD": "<UP_ENCRYPT_CERT_PWD>",
        "UP_FRONT_FAIL_URL": "<UP_FRONT_FAIL_URL>",
        "UP_FRONT_URL": "<UP_FRONT_URL>",
        "UP_LOG_DIR": "<UP_LOG_DIR>",
        "UP_MER_ID": "<UP_MER_ID>"
      }
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "dfdb51": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "@unionpay/unionpay-mcp-server"
      ],
      "env": {
        "UP_ACCESS_TYPE": "<UP_ACCESS_TYPE>",
        "UP_ACQ_INS_CODE": "<UP_ACQ_INS_CODE>",
        "UP_BACK_URL": "<UP_BACK_URL>",
        "UP_DECRYPT_CERT_PATH": "<UP_DECRYPT_CERT_PATH>",
        "UP_ENCRYPT_CERT_PATH": "<UP_ENCRYPT_CERT_PATH>",
        "UP_ENCRYPT_CERT_PWD": "<UP_ENCRYPT_CERT_PWD>",
        "UP_FRONT_FAIL_URL": "<UP_FRONT_FAIL_URL>",
        "UP_FRONT_URL": "<UP_FRONT_URL>",
        "UP_LOG_DIR": "<UP_LOG_DIR>",
        "UP_MER_ID": "<UP_MER_ID>"
      }
    }
  }
}

~/.gemini/settings.json

{
  "mcpServers": {
    "dfdb51": {
      "command": "npx",
      "args": [
        "-y",
        "@unionpay/unionpay-mcp-server"
      ],
      "env": {
        "UP_ACCESS_TYPE": "<UP_ACCESS_TYPE>",
        "UP_ACQ_INS_CODE": "<UP_ACQ_INS_CODE>",
        "UP_BACK_URL": "<UP_BACK_URL>",
        "UP_DECRYPT_CERT_PATH": "<UP_DECRYPT_CERT_PATH>",
        "UP_ENCRYPT_CERT_PATH": "<UP_ENCRYPT_CERT_PATH>",
        "UP_ENCRYPT_CERT_PWD": "<UP_ENCRYPT_CERT_PWD>",
        "UP_FRONT_FAIL_URL": "<UP_FRONT_FAIL_URL>",
        "UP_FRONT_URL": "<UP_FRONT_URL>",
        "UP_LOG_DIR": "<UP_LOG_DIR>",
        "UP_MER_ID": "<UP_MER_ID>"
      }
    }
  }
}

claude_desktop_config.json

{
  "mcpServers": {
    "dfdb51": {
      "command": "npx",
      "args": [
        "-y",
        "@unionpay/unionpay-mcp-server"
      ],
      "env": {
        "UP_ACCESS_TYPE": "<UP_ACCESS_TYPE>",
        "UP_ACQ_INS_CODE": "<UP_ACQ_INS_CODE>",
        "UP_BACK_URL": "<UP_BACK_URL>",
        "UP_DECRYPT_CERT_PATH": "<UP_DECRYPT_CERT_PATH>",
        "UP_ENCRYPT_CERT_PATH": "<UP_ENCRYPT_CERT_PATH>",
        "UP_ENCRYPT_CERT_PWD": "<UP_ENCRYPT_CERT_PWD>",
        "UP_FRONT_FAIL_URL": "<UP_FRONT_FAIL_URL>",
        "UP_FRONT_URL": "<UP_FRONT_URL>",
        "UP_LOG_DIR": "<UP_LOG_DIR>",
        "UP_MER_ID": "<UP_MER_ID>"
      }
    }
  }
}

.trae/mcp.json

{
  "mcpServers": {
    "dfdb51": {
      "command": "npx",
      "args": [
        "-y",
        "@unionpay/unionpay-mcp-server"
      ],
      "env": {
        "UP_ACCESS_TYPE": "<UP_ACCESS_TYPE>",
        "UP_ACQ_INS_CODE": "<UP_ACQ_INS_CODE>",
        "UP_BACK_URL": "<UP_BACK_URL>",
        "UP_DECRYPT_CERT_PATH": "<UP_DECRYPT_CERT_PATH>",
        "UP_ENCRYPT_CERT_PATH": "<UP_ENCRYPT_CERT_PATH>",
        "UP_ENCRYPT_CERT_PWD": "<UP_ENCRYPT_CERT_PWD>",
        "UP_FRONT_FAIL_URL": "<UP_FRONT_FAIL_URL>",
        "UP_FRONT_URL": "<UP_FRONT_URL>",
        "UP_LOG_DIR": "<UP_LOG_DIR>",
        "UP_MER_ID": "<UP_MER_ID>"
      }
    }
  }
}

需要的环境变量

UP_ACCESS_TYPE
UP_ACQ_INS_CODE
UP_BACK_URL
UP_DECRYPT_CERT_PATH
UP_ENCRYPT_CERT_PATH
UP_ENCRYPT_CERT_PWD
UP_FRONT_FAIL_URL
UP_FRONT_URL
UP_LOG_DIR
UP_MER_ID

把占位值换成你自己的密钥；不要把密钥提交到代码仓库。

接入配置

需要的环境变量

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