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Zum Rails MCP connector

The Zum Rails connector brings users, payment instruments, bank accounts, cards, balances, card transactions and statements into Claude, ChatGPT, Cursor and any MCP client, so your team can look them up and update them by asking, within their own Zum Rails access.

  • How it connects. Connects with an API key. The credential goes into a vault nobody reads back.

  • One address. https://api.elaichi.ai/mcp, the same for every user.

  • Their own access. An agent never gets more than the person it acts for.

How to connect

How to connect Zum Rails to Claude, ChatGPT or Cursor

Two steps, about a minute.

1

In Elaichi

Connect Zum Rails once

  1. Open Connections, choose Add connection, and pick Zum Rails.

  2. Optionally set Share with to give a team access, then press Connect.

  3. Paste a Zum Rails API key. One person generates a token in Zum Rails and pastes it once. Everyone else works through Share with, and never sees it.

The credential is vaulted. Nobody reads it back, not even the AI.

Add connection

Choose a connector.

zum rails
Zum Rails
Airwallex
Cashfree Payments
ChargeDesk
Chimoney
Circle
2

In your AI client

Point it at one endpoint

Everyone in the organization uses the same address, and each person only ever reaches what their own account allows.

Zum Rails MCP connector for Claude

  1. 1

    Open Customize, then Connectors.

  2. 2

    Press Add.

  3. 3

    Name it, paste the MCP server URL, then Continue.

    https://api.elaichi.ai/mcp
  4. 4

    Sign in and approve.

On Team and Enterprise, an Owner adds it once. Everyone else turns it on for themselves.

Zum Rails MCP connector for ChatGPT

  1. 1

    Open Plugins, then press the + button.

  2. 2

    Name it and paste the endpoint into Server URL.

    https://api.elaichi.ai/mcp
  3. 3

    Leave Authentication on OAuth, then tick the risk acknowledgement.

  4. 4

    Press Create, then sign in and approve.

Works on the web today. The plugin directory lives at chatgpt.com/plugins.

Zum Rails MCP connector for Cursor

  1. 1

    Open ~/.cursor/mcp.json.

  2. 2

    Add the endpoint under mcpServers.

    https://api.elaichi.ai/mcp
  3. 3

    Reload Cursor, then sign in and approve.

~/.cursor/mcp.json

{
  "mcpServers": {
    "elaichi": {
      "url": "https://api.elaichi.ai/mcp"
    }
  }
}

Set up per machine, so repeat it on each computer you work from.

Connect Zum Rails to any MCP client

  1. 1

    Add the endpoint as a remote MCP server.

    https://api.elaichi.ai/mcp
  2. 2

    Sign in and approve.

{
  "mcpServers": {
    "elaichi": {
      "url": "https://api.elaichi.ai/mcp"
    }
  }
}

The Elaichi Agent already has these tools, with nothing to set up.

Use cases

What teams do with Zum Rails through Elaichi

Every one of these runs inside the access the person already has, and lands in the same audit log.

  • Support

    Freeze a lost card and reissue it

    When a cardholder calls about a missing card, look up the card, change its status so it stops working, and order a reissue in the same conversation. The audit log records who did it and when.

  • Finance

    Check a card balance before approving spend

    Ask for the current balance on a specific Zum Rails card and its recent transactions before you sign off on a purchase or a top-up, without opening another tab.

  • Operations

    Update a user's bank account or address

    When a customer sends new banking details or moves, update their bank account, billing address or shipping address on the Zum Rails user record from the notes in front of you.

  • Onboarding

    Set up a new user with a payment instrument

    Create the Zum Rails user, add their payment instrument or credit card, and record the card approval as one job instead of five screens.

  • Accounting

    Pull statements and transactions for a period

    Ask for a card's statements for the quarter and the transactions behind each one, then have the agent summarize totals for the close or an expense query.

  • Card programs

    Review cards and transactions across a program

    List the cards in a program, see which ones are active or blocked, scan their transactions, and adjust the card program settings when the terms change.

Try asking

  • “List Zum Rails users added this week with bank accounts.”
  • “Which card approvals are still pending in Zum Rails?”
  • “Show payment instruments updated for our top ten users.”

See all 74 Zum Rails tools below

Compare

Elaichi vs Zapier MCP vs Composio for Zum Rails

All three can connect Zum Rails to an AI assistant, and all three have admin controls. They differ in where access lives and how you pay.

Elaichi compared with Zapier MCP and Composio for Zum Rails, by what to check
What to check Elaichi Zapier MCP Composio
Where the AI connects One address for the whole organization. https://api.elaichi.ai/mcp A server per member, created at sign-in. An MCP endpoint per team, or an SDK.
Control over Zum Rails tools Allow or restrict single Zum Rails tools, per role or user. App and action restrictions on the account. Role permissions, down to the action.
Record of calls One audit entry per Zum Rails call. A History tab of tool calls. A log of every tool call.
Single sign-on SAML or OIDC, plus SCIM, on Gold. SAML on Enterprise. SAML and OIDC on Enterprise.
Price $15 per user per month. 2 tasks per successful call. Billed per tool call.

Sources: Zapier MCP docs, security, usage; Composio docs, gateway, enterprise, pricing. Checked September 2026.

Longer take: Zapier MCP alternative and when you don't need an MCP gateway.

AI tools

Zum Rails tools for your AI agents

74 tools are ready to call through Elaichi's MCP endpoint the moment you connect Zum Rails, governed by the same roles, restrictions, and audit log as everything else in Elaichi.

See it in Elaichi

What connecting Zum Rails gets you

6 screens from the product, each doing one job for your Zum Rails account.

The agent

Ask about Zum Rails users in plain language.

Answers come from live Zum Rails users, payment instruments and card approvals.

  • users
  • payment instruments
  • bank accounts
  • card approvals

Ask Elaichi to work across your apps.

List Zum Rails users added this week with bank accounts.

Which card approvals are still pending in Zum Rails?

Show payment instruments updated for our top ten users.

Also runs in Claude, ChatGPT or Cursor

MCP clients

Claude, ChatGPT and Cursor share one endpoint.

Connect Zum Rails from any MCP client over OAuth, no SDK, no shared key.

ElaichiMCP clients
Claude ChatGPT Cursor

Copy the endpoint

https://api.elaichi.ai/mcp
Client Connected by Status Last used
Claude
E

Emily Carter

• Connected 4 minutes ago
Cursor
M

Megan Brooks

• Connected 2 hours ago
ChatGPT
R

Ryan Hayes

• Connected Yesterday

Tool catalog

All 74 Zum Rails tools, no custom code.

Users, payment instruments, bank accounts, credit cards and card approvals, ready to call.

  • Create a Zum Rails auth
  • Update a Zum Rails auth by ID
  • Create a Zum Rails user
  • Get single Zum Rails user by ID
ElaichiTools
Tool Action Description
Create a Zum Rails auth Create Authenticate in zumrails and generate an access token. No prior authentication is required to call this endpoint. Returns the authorization result; the upstream zumrails API documentation should be consulted for the specific token fields contained in the response, as none are enumerated in the available source.
Update a Zum Rails auth by ID Update Cancel or invalidate an active authorization token in zumrails. Returns the cancellation result; the upstream zumrails API documentation should be consulted for the specific fields contained in the response, as none are enumerated in the available source.
Create a Zum Rails user Create Create a new user in zumrails. Returns: id.
Get single Zum Rails user by ID Get Get a specific zumrails user by id. Returns: id. Required: id.
Update a Zum Rails user by ID Update Update basic information for a zumrails user by id. Returns: id. Required: id.

Toolboxes

Every team gets its own Zum Rails toolbox.

Finance, payments and support each see the toolbox scoped to their work.

  • Finance
  • Payments Ops
  • Risk
  • Support
ElaichiToolboxes
Name Source template Tools Created

Finance toolbox

Zum Rails · transactions and payouts

Zum Rails starter 18 Mar 4, 2026

Payments Ops toolbox

Zum Rails · payment instruments and bank accounts

— 9 Mar 2, 2026

Risk toolbox

Zum Rails · card approvals and holds

— 24 Feb 27, 2026

Support toolbox

Zum Rails · user lookups and billing addresses

Zum Rails starter 6 Feb 19, 2026

Onboarding toolbox

Zum Rails · new users and credit cards

— 31 Jan 30, 2026

Engineering toolbox

Zum Rails · auth tokens and integration checks

— 12 Jan 22, 2026

Shared connections

Teammates move payments without seeing a credential.

Each Zum Rails connection shows who added it and which teams share it.

  • Finance Canada
  • Payments Ops
  • Risk Review
  • Support Tier 1
ElaichiConnections
Connection Scope Status Access
ZU

Zum Rails (Finance Canada)

Connected by Emily Carter

Personal • Active 1 team · 6 members
ZU

Zum Rails (Payments Ops)

Connected by Jake Morgan

Organization • Active 3 teams · 24 members
ZU

Zum Rails (Risk Review)

Connected by Megan Brooks

Organization • Active 2 teams · 11 members
ZU

Zum Rails (Support Tier 1)

Connected by Tyler Reed

Personal • Needs re-auth 1 team · 3 members
ZU

Zum Rails (Onboarding)

Connected by Ryan Hayes

Personal • Active Not shared
ZU

Zum Rails (Treasury)

Connected by Ashley Parker

Personal • Active 2 teams · 9 members

Audit log

Answer who touched which Zum Rails user.

Append-only log records when, who, what happened, type and resource.

  • When
  • Who
  • What happened
  • Type
ElaichiAudit log
When Who What happened Type

2 minutes ago

Mar 6, 2026, 3:10 PM

E

Emily Carter

emily.carter@northwind.io

Restriction Created Access

8 minutes ago

Mar 6, 2026, 3:04 PM

J

Jake Morgan

jake.morgan@northwind.io

Restriction Updated Access

14 minutes ago

Mar 6, 2026, 2:58 PM

M

Megan Brooks

megan.brooks@northwind.io

Role Assigned Access

20 minutes ago

Mar 6, 2026, 2:52 PM

T

Tyler Reed

tyler.reed@northwind.io

Zum Rails Users Updated MCP

26 minutes ago

Mar 6, 2026, 2:46 PM

R

Ryan Hayes

ryan.hayes@northwind.io

Zum Rails Users Created MCP

32 minutes ago

Mar 6, 2026, 2:40 PM

A

Ashley Parker

ashley.parker@northwind.io

Zum Rails Users List Toolbox

Launching soon

From answering questions to doing the work

A person no longer has to ask. A trigger starts the work, inside the same permissions and the same audit log as everything else. Automations and live dashboards are launching soon, on the Black plan.

Automations

A schedule drafts the payout digest, you approve.

Six steps fetch Zum Rails transactions, group them, draft, wait for approval, post back.

Zum Rails digest

Run 418 · started 2 minutes ago · on behalf of Emily Carter

  1. ✓

    Schedule

    Every weekday at 8:00 AM

    0.2s
  2. ✓

    Fetch users

    Zum Rails

    1.4s
  3. ✓

    Group by owner

    Transform

    0.1s
  4. ✓

    Draft the digest

    Agent step

    Ran with 4 tools, returned a structured summary

    6.2s
  5. Approve the digest

    Needs approval

    Assigned to Michael Brennan

    Approve
  6. Post the digest

    Zum Rails

    Queued

Collections and dashboards

Zum Rails payment numbers, computed not generated.

Four metrics, 14 days of users created and a team breakdown, refreshed on schedule.

Zum Rails health

Refreshed 4 minutes ago · every 15 minutes · from the users collection

Live

Users

1,284 ↓ 12%

Payment instruments

96 ↓ 8%

Needs attention

3 ↑ 2

Updated this week

412 ↑ 9%

Users created

Last 14 days

By team

Share of activity

Finance Canada 34%

Payments Ops 27%

Risk Review 21%

Support Tier 1 18%

FAQ

Frequently asked questions

How do I connect Zum Rails to Claude?

First connect Zum Rails in Elaichi by pasting your Zum Rails API key when prompted. There is no OAuth application to register and no client ID or secret to generate. Then in Claude open Customize, then Connectors, then Add, and paste https://api.elaichi.ai/mcp. Sign in as yourself and Zum Rails users, cards and statements are available in your chat.

Does Zum Rails work with ChatGPT and Cursor as well as Claude?

Yes. Once Zum Rails is connected in Elaichi, the same endpoint, https://api.elaichi.ai/mcp, works in Claude, ChatGPT, Cursor, any MCP client and the Elaichi Agent. You connect Zum Rails once and every client you use picks it up.

What can an AI agent actually do with my Zum Rails data?

An agent connected to Zum Rails can look up a user, create or update a user and their payment instruments, bank account, credit card and addresses, check a card balance, change a card's status, order a reissue, and pull card transactions and statements. Because Zum Rails offers many actions, short concrete asks such as "show the balance on card ending 4412" work better than long paragraphs.

Does connecting Zum Rails give the AI access to everything in my account?

No. Every request to Zum Rails runs inside the access of the person who signed in to Elaichi, so the agent sees and changes only what that person could already see and change. Elaichi can narrow that further, for example to read-only on cards and statements, but it can never widen it.

Can my team share one Zum Rails connection?

Yes. One person connects Zum Rails in Elaichi and shares it with a team, and nobody else ever handles the API key. Each teammate still signs in to Elaichi as themselves, so every card status change or user update in the audit log names the person who made it.

Can I stop an agent from deleting or changing things in Zum Rails?

Yes. Restrictions in Elaichi work per action, so you can allow looking up Zum Rails users and card balances while blocking deleting a user or changing a card's status. A blocked action is never shown to Claude, ChatGPT or any other client, so no prompt can reach it.

What happens to a Zum Rails connection when someone leaves?

Offboarding the person in Elaichi ends their access to Zum Rails through every client at once. If they set up a shared Zum Rails connection, it keeps working for everyone else on the team. Disconnecting Zum Rails once in Elaichi removes it from Claude, ChatGPT, Cursor and every other client together.

Does the Zum Rails MCP connector work with Gemini, Codex, Claude Code or other MCP clients?

Yes. Zum Rails is reached over the same MCP endpoint every client uses, so anything that speaks MCP can call it — Gemini, Codex, Claude Code, Windsurf, Cline, Zed and OpenCode among them — alongside Claude, ChatGPT, Cursor, and the Elaichi Agent. The tools on offer and the access behind them are identical whichever client asks. Only the setup screen differs.

Is Elaichi an alternative to Zapier MCP for Zum Rails?

Yes. Both let Claude, ChatGPT or Cursor use Zum Rails. Zapier MCP fits a team that already automates in Zapier, since each person signs in and acts as themselves in that account. Elaichi fits when IT wants one address for the whole company, per-tool rules by role, and a record of every Zum Rails call.

How is Elaichi different from Composio for Zum Rails?

Composio gives AI agents tools and sign-in handling across 1,000+ apps, for developers building agents or people using an assistant, billed per tool call. Elaichi gives a company's own people governed access to Zum Rails: one address, restrictions per role or user, and $15 per user per month. Both have role permissions and a log of every call.

Put Zum Rails in front of your team

14 days on Gold, no credit card. Connect it once and pick what each team can call.

Works with
Claude ChatGPT Cursor and any other MCP client, or the Elaichi Agent.
When the trial ends
Nothing is deleted. Connections, roles and the audit log stay where they are, so subscribing picks up exactly where you left off.