SumUp MCP Server vs Xero MCP Server
A side-by-side look at the SumUp MCP Server and Xero MCP Server MCP servers: transport, auth, tools, quality signals, and the config to install either one in Claude, Cursor, Windsurf or VS Code.
Verdict: choose SumUp MCP Server for finance & fintech work as a local process; choose Xero MCP Server for finance & fintech as a local process. You can also run both side by side in one mcpServers block.
Which MCP server should you choose?
Choose SumUp MCP Server when
- You need dedicated capabilities in the Finance & Fintech domain.
- You prefer a local stdio subprocess transport.
- You have the keys it needs:
SUMUP_API_KEY. - You want tools like
create_checkout, create_customer, create_merchant_member.
Choose Xero MCP Server when
- You need dedicated capabilities in the Finance & Fintech domain.
- You prefer a local stdio subprocess transport.
- Its auth model fits you: OAuth 2.0.
- You have the keys it needs:
XERO_CLIENT_ID, XERO_CLIENT_SECRET, XERO_SCOPES, XERO_CLIENT_BEARER_TOKEN.
Feature & specification comparison
Rows where the two servers differ are marked.
| Spec | ||
|---|---|---|
| Category | Finance & Fintech | Finance & Fintech |
| Quality signal | 64/100 · Good | 57/100 · Good |
| Install command | Confirmed | Confirmed |
| Transport | Local subprocess (stdio) | Local subprocess (stdio) |
| Auth | Not declared | OAuth 2.0 |
| Pricing | Not declared | BYOK (pay the provider) |
| Required env vars | SUMUP_API_KEY | XERO_CLIENT_IDXERO_CLIENT_SECRETXERO_SCOPESXERO_CLIENT_BEARER_TOKEN |
| Verified owner | Community listing | Community listing |
| GitHub stars | 14 | 385 |
| Directory activity | 0 views 0 installs 0 upvotes | 3 views 0 installs 0 upvotes |
| Tools | 36 | Not listed |
| Full listing | View SumUp MCP Server | View Xero MCP Server |
Tools & capabilities
SumUp MCP Server tools 36
create_checkoutCreates a new payment checkout resource. The unique `checkout_reference` created by this request, is used for further manipulation of the checkout. For 3DS checkouts, add the `redirect_url` parameter to your request body schema. To use the [Hosted Checkout](https://developer.sumup.com/online-payments/checkouts/hosted-checkout/) page, set the `hosted_checkout.enabled` to `true`. Follow by processing a checkout to charge the provided payment instrument.create_customerCreates a new saved customer resource which you can later manipulate and save payment instruments to.create_merchant_memberCreate a merchant member.create_merchant_roleCreate a custom role for the merchant. Roles are defined by the set of permissions that they grant to the members that they are assigned to.create_readerCreate a new Reader for the merchant account.create_reader_checkoutCreates a Checkout for a Reader. This process is asynchronous and the actual transaction may take some time to be started on the device. There are some caveats when using this endpoint: * The target device must be online, otherwise checkout won't be accepted * After the checkout is accepted, the system has 60 seconds to start the payment on the target device. During this time, any other checkout for the same device will be rejected. **Note**: If the target device is a Solo, it must be in version 3.3.24.3 or higher.create_reader_terminateTerminate a Reader Checkout stops the current transaction on the target device. This process is asynchronous and the actual termination may take some time to be performed on the device. There are some caveats when using this endpoint: * The target device must be online, otherwise terminate won't be accepted * The action will succeed only if the device is waiting for cardholder action: e.g: waiting for card, waiting for PIN, etc. * There is no confirmation of the termination. If a transaction is successfully terminated and `return_url` was provided on Checkout, the transaction status will be sent as `failed` to the provided URL. **Note**: If the target device is a Solo, it must be in version 3.3.28.0 or higher.deactivate_checkoutDeactivates an identified checkout resource. If the checkout has already been processed it can not be deactivated.deactivate_payment_instrumentDeactivates an identified card payment instrument resource for a customer.delete_merchant_memberDeletes a merchant member.delete_merchant_roleDelete a custom role.delete_readerDelete a reader.- +24 more on the listing page
Xero MCP Server tools
No tool names declared yet. Check the project README from the listing page.
Ready-to-paste client configs
Paste either block (or both) into your client config, e.g. claude_desktop_config.json or ~/.cursor/mcp.json. We only show a config when the install command is confirmed.
SumUp MCP Server
{
"mcpServers": {
"sumup-mcp-server": {
"command": "npx",
"args": [
"-y",
"@sumup/mcp"
],
"env": {
"SUMUP_API_KEY": "YOUR_SUMUP_API_KEY_HERE"
}
}
}
}
Xero MCP Server
{
"mcpServers": {
"xeroapi-xero-mcp-server": {
"command": "npx",
"args": [
"-y",
"@xeroapi/xero-mcp-server@latest"
],
"env": {
"XERO_CLIENT_ID": "YOUR_XERO_CLIENT_ID_HERE",
"XERO_CLIENT_SECRET": "YOUR_XERO_CLIENT_SECRET_HERE",
"XERO_SCOPES": "YOUR_XERO_SCOPES_HERE",
"XERO_CLIENT_BEARER_TOKEN": "YOUR_XERO_CLIENT_BEARER_TOKEN_HERE"
}
}
}
}
Frequently asked questions
SumUp MCP Server is categorized under Finance & Fintech and uses a local stdio subprocess. Xero MCP Server belongs to Finance & Fintech and uses a local stdio subprocess. Pick SumUp MCP Server for finance & fintech work and Xero MCP Server for finance & fintech.
Copy the mcpServers block from the config section on this page into your client's config (for example claude_desktop_config.json or ~/.cursor/mcp.json), then fully restart the client.
SumUp MCP Server has no declared pricing — check the project's own site. Xero MCP Server is bring-your-own-key: usage is billed by the API provider you supply a key for. Auth: oauth 2.0. If a server needs environment variables such as API keys, define them under the env key in your client's MCP config.
Yes. MCP clients support multiple servers: add sumup-mcp-server and xeroapi-xero-mcp-server as separate keys in the same mcpServers object, and your assistant will call tools from either one.
On AllMCPs, SumUp MCP Server has a quality signal of 64/100 (Good) with 0 views, 0 installs and 14 GitHub stars. Xero MCP Server has 57/100 (Good) with 3 views, 0 installs and 385 GitHub stars.