diff --git a/xendit/README.md b/xendit/README.md
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+Connect Xendit to help Captain look up transactions, payments, customers, and subscription plans.
+
+## Setup
+
+1. In the Xendit dashboard, go to Settings > API Keys and generate a secret key.
+2. Give the key Read permission for the products you want Captain to look up, including Transaction, and leave everything else set to None.
+3. Enter the secret key when installing.
+
+## Tools
+
+- **Find Transactions by Reference:** Find up to 10 transactions by the reference your business assigned to the payment. The match is exact and case sensitive. Returns the transaction ID and product ID the other tools need.
+- **Get Transaction:** Read one transaction's type, status, amount, fees, net amount, and settlement status.
+- **Get Payment Request:** Check a payment request's status, amount, channel, failure reason, and any step the customer still needs to complete.
+- **Get Payment:** Check a single payment's status, amount, captures, channel, and failure reason.
+- **Find Customer by Reference:** Find a customer by the reference ID your business assigned to them.
+- **Get Subscription Plan:** Read a subscription plan's status, amount, billing schedule, retry settings, and items.
+- **List Subscription Cycles:** Check up to 10 billing cycles of a subscription plan, with payment attempts and failure reasons.
+
+Start with Find Transactions by Reference when the customer has an order or payment reference.
+
+## Notes
+
+- Xendit's API cannot search by customer email address. Captain needs a reference your business assigned, or a Xendit ID such as a payment request ID (`pr-`), payment ID (`py-`), or subscription plan ID (`repl_`), so these tools work best when those values are available in the conversation.
+- Xendit cannot list the subscription plans of a customer, so the plan ID has to come from your own records.
+- The tools do not send an `api-version` header, so each endpoint uses Xendit's default version. Find Customer by Reference reads both the current and the older customer format.
+- Use a live secret key for real transactions. A test key only returns test data.
+- Sub-accounts on xenPlatform are not supported; lookups run against the account that owns the key.
diff --git a/xendit/toolset.yml b/xendit/toolset.yml
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+version: 0.0.1
+kind: captain_toolset
+name: Xendit
+author: chatwoot
+category: Payments & billing
+description: Look up transactions, payments, customers, and subscription plans in Xendit.
+
+secrets:
+  secret_key:
+    label: Xendit secret API key
+    type: password
+    required: true
+
+tools:
+  - id: find_transactions
+    title: Find Transactions by Reference
+    description: Find Xendit transactions by reference ID, the reference your business assigned to the payment, such as an order or invoice number. Use this first when a customer asks about a payment, refund, or payout. The match is exact and case sensitive.
+    http_method: GET
+    endpoint_url: https://api.xendit.co/transactions?reference_id={{ reference_id | strip | url_encode }}&limit=10
+    auth_type: basic
+    auth_config:
+      username: ${{ secrets.secret_key }}
+      password: ''
+    param_schema:
+      - name: reference_id
+        type: string
+        description: The reference your business assigned to the payment, exactly as given, such as an order or invoice number.
+        required: true
+    response_template: |-
+      {% if response.data %}{% for transaction in response.data limit: 10 %}- {{ transaction.created | slice: 0, 10 }} · {{ transaction.type | replace: "_", " " | downcase }} · {{ transaction.status | downcase }} · {{ transaction.amount }} {{ transaction.currency }} · {{ transaction.channel_category | replace: "_", " " | downcase }}{% if transaction.channel_code %} ({{ transaction.channel_code }}){% endif %}
+        Transaction ID: {{ transaction.id }}
+        Product ID: {{ transaction.product_id }}{% if transaction.settlement_status %}
+        Settlement: {{ transaction.settlement_status | replace: "_", " " | downcase }}{% endif %}
+      {% else %}No transactions found with this reference.
+      {% endfor %}{% if response.has_more %}More transactions match this reference than the 10 shown.{% endif %}{% else %}Xendit returned an unexpected response.{% endif %}
+
+  - id: get_transaction
+    title: Get Transaction
+    description: Get one Xendit transaction with its type, status, amount, fees, net amount, and settlement status. Use a transaction ID from Find Transactions by Reference, starting with txn_.
+    http_method: GET
+    endpoint_url: https://api.xendit.co/transactions/{{ transaction_id | strip | url_encode }}
+    auth_type: basic
+    auth_config:
+      username: ${{ secrets.secret_key }}
+      password: ''
+    param_schema:
+      - name: transaction_id
+        type: string
+        description: The Xendit transaction ID from Find Transactions by Reference, starting with txn_.
+        required: true
+    response_template: |-
+      {% if response.id %}Transaction {{ response.id }} · {{ response.type | replace: "_", " " | downcase }} · {{ response.status | downcase }}
+      Reference: {{ response.reference_id }}
+      Amount: {{ response.amount }} {{ response.currency }} ({{ response.cashflow | replace: "_", " " | downcase }})
+      Channel: {{ response.channel_category | replace: "_", " " | downcase }}{% if response.channel_code %} ({{ response.channel_code }}){% endif %}{% if response.fee %}
+      Xendit fee: {{ response.fee.xendit_fee }} · VAT: {{ response.fee.value_added_tax }} · fee status {{ response.fee.status | replace: "_", " " | downcase }}{% endif %}
+      Net amount: {{ response.net_amount }} {{ response.net_amount_currency | default: response.currency }}
+      Settlement: {{ response.settlement_status | default: "unknown" | replace: "_", " " | downcase }}{% if response.estimated_settlement_time %}, estimated {{ response.estimated_settlement_time | slice: 0, 10 }}{% endif %}
+      Created: {{ response.created | slice: 0, 10 }} · updated {{ response.updated | slice: 0, 10 }}
+      Product ID: {{ response.product_id }}{% if response.product_data.payment_request_id %}
+      Payment request ID: {{ response.product_data.payment_request_id }}{% endif %}{% else %}Xendit returned an unexpected response.{% endif %}
+
+  - id: get_payment_request
+    title: Get Payment Request
+    description: Check the status of a Xendit payment request, including amount, payment channel, failure reason, and what the customer still needs to do to pay. Use a payment request ID starting with pr-, from Get Transaction or from your own records.
+    http_method: GET
+    endpoint_url: https://api.xendit.co/v3/payment_requests/{{ payment_request_id | strip | url_encode }}
+    auth_type: basic
+    auth_config:
+      username: ${{ secrets.secret_key }}
+      password: ''
+    param_schema:
+      - name: payment_request_id
+        type: string
+        description: The Xendit payment request ID, starting with pr-.
+        required: true
+    response_template: |-
+      {% if response.payment_request_id %}Payment request {{ response.payment_request_id }} · {{ response.status | replace: "_", " " | downcase }}
+      Reference: {{ response.reference_id }}
+      Amount: {{ response.request_amount }} {{ response.currency }}
+      Channel: {{ response.channel_code }}{% if response.country %} · country {{ response.country }}{% endif %}{% if response.description %}
+      Description: {{ response.description | newline_to_br | replace: "<br />", " " | strip_newlines | truncate: 200 }}{% endif %}{% if response.failure_code %}
+      Failure reason: {{ response.failure_code | replace: "_", " " | downcase }}{% endif %}{% for action in response.actions limit: 5 %}
+      Pending step for the customer: {{ action.descriptor | replace: "_", " " | downcase }}{% if action.descriptor == "PAYMENT_CODE" or action.descriptor == "VIRTUAL_ACCOUNT_NUMBER" %} {{ action.value }}{% endif %}{% endfor %}{% if response.latest_payment_id %}
+      Latest payment ID: {{ response.latest_payment_id }}{% endif %}{% if response.customer_id %}
+      Customer ID: {{ response.customer_id }}{% endif %}
+      Created: {{ response.created | slice: 0, 10 }} · updated {{ response.updated | slice: 0, 10 }}{% else %}Xendit returned an unexpected response.{% endif %}
+
+  - id: get_payment
+    title: Get Payment
+    description: Check the status of a single Xendit payment, including amount, captures, payment channel, and failure reason. Use a payment ID starting with py-, from Get Payment Request, List Subscription Cycles, or a transaction's product ID.
+    http_method: GET
+    endpoint_url: https://api.xendit.co/v3/payments/{{ payment_id | strip | url_encode }}
+    auth_type: basic
+    auth_config:
+      username: ${{ secrets.secret_key }}
+      password: ''
+    param_schema:
+      - name: payment_id
+        type: string
+        description: The Xendit payment ID, starting with py-.
+        required: true
+    response_template: |-
+      {% if response.payment_id %}Payment {{ response.payment_id }} · {{ response.status | replace: "_", " " | downcase }}
+      Reference: {{ response.reference_id }}
+      Amount: {{ response.request_amount }} {{ response.currency }}
+      Channel: {{ response.channel_code }}{% if response.payment_details.issuer_name %} · {{ response.payment_details.issuer_name }}{% endif %}{% if response.payment_details.payer_name %} · paid by {{ response.payment_details.payer_name | truncate: 80 }}{% endif %}{% if response.failure_code %}
+      Failure reason: {{ response.failure_code | replace: "_", " " | downcase }}{% endif %}{% if response.payment_details.authorization_data.network_response_code_descriptor %}
+      Card network response: {{ response.payment_details.authorization_data.network_response_code_descriptor | truncate: 150 }}{% endif %}{% for capture in response.captures limit: 5 %}
+      Captured: {{ capture.capture_amount }} {{ response.currency }} on {{ capture.capture_timestamp | slice: 0, 10 }}{% endfor %}{% if response.payment_details.receipt_id %}
+      Receipt ID: {{ response.payment_details.receipt_id }}{% endif %}{% if response.payment_request_id %}
+      Payment request ID: {{ response.payment_request_id }}{% endif %}{% if response.customer_id %}
+      Customer ID: {{ response.customer_id }}{% endif %}
+      Created: {{ response.created | slice: 0, 10 }} · updated {{ response.updated | slice: 0, 10 }}{% else %}Xendit returned an unexpected response.{% endif %}
+
+  - id: find_customer_by_reference
+    title: Find Customer by Reference
+    description: Find a Xendit customer by reference ID, the identifier your business assigned to the customer when creating them in Xendit. Xendit cannot search customers by email address.
+    http_method: GET
+    endpoint_url: https://api.xendit.co/customers?reference_id={{ reference_id | strip | url_encode }}
+    auth_type: basic
+    auth_config:
+      username: ${{ secrets.secret_key }}
+      password: ''
+    param_schema:
+      - name: reference_id
+        type: string
+        description: Your business's own identifier for the customer, exactly as stored in Xendit.
+        required: true
+    response_template: |-
+      {% if response.data %}{% assign customers = response.data %}{% else %}{% assign customers = response %}{% endif %}{% if response.data or customers.first.id %}{% for customer in customers limit: 5 %}{% capture person %}{{ customer.individual_detail.given_names | default: customer.given_names }} {{ customer.individual_detail.surname | default: customer.surname }}{% endcapture %}{% assign person = person | strip %}- {{ customer.business_detail.business_name | default: person | default: "No name" }} <{{ customer.email | default: "no email" }}>
+        Customer ID: {{ customer.id }}
+        Reference ID: {{ customer.reference_id }}{% if customer.type %}
+        Type: {{ customer.type | downcase }}{% endif %}{% if customer.mobile_number %}
+        Mobile: {{ customer.mobile_number }}{% endif %}{% if customer.description %}
+        Description: {{ customer.description | newline_to_br | replace: "<br />", " " | strip_newlines | truncate: 200 }}{% endif %}{% if customer.created %}
+        Created: {{ customer.created | slice: 0, 10 }}{% endif %}
+      {% else %}No Xendit customer found with this reference ID.
+      {% endfor %}{% else %}Xendit returned an unexpected response.{% endif %}
+
+  - id: get_subscription_plan
+    title: Get Subscription Plan
+    description: Get a Xendit subscription plan, with status, amount, billing schedule, retry settings, and items. Use a plan ID starting with repl_, which comes from your own records because Xendit cannot list a customer's plans.
+    http_method: GET
+    endpoint_url: https://api.xendit.co/recurring/plans/{{ plan_id | strip | url_encode }}
+    auth_type: basic
+    auth_config:
+      username: ${{ secrets.secret_key }}
+      password: ''
+    param_schema:
+      - name: plan_id
+        type: string
+        description: The Xendit subscription plan ID, starting with repl_.
+        required: true
+    response_template: |-
+      {% if response.id %}Subscription plan {{ response.id }} · {{ response.status | replace: "_", " " | downcase }}
+      Reference: {{ response.reference_id }}{% if response.description %}
+      Description: {{ response.description | newline_to_br | replace: "<br />", " " | strip_newlines | truncate: 200 }}{% endif %}
+      Amount: {{ response.amount }} {{ response.currency }} every {% if response.schedule.interval_count > 1 %}{{ response.schedule.interval_count }} {{ response.schedule.interval | downcase }}s{% else %}{{ response.schedule.interval | downcase }}{% endif %}{% if response.schedule.total_recurrence %}, {{ response.schedule.total_recurrence }} cycles in total{% endif %}{% if response.schedule.anchor_date %}
+      Billing anchor date: {{ response.schedule.anchor_date | slice: 0, 10 }}{% endif %}{% if response.recurring_cycle_count %}
+      Cycles created so far: {{ response.recurring_cycle_count }}{% endif %}{% if response.schedule.total_retry %}
+      Retries after a failed charge: {{ response.schedule.total_retry }}{% endif %}{% if response.failed_cycle_action %}
+      After a failed cycle: {{ response.failed_cycle_action | downcase }}{% endif %}{% if response.failure_code %}
+      Failure reason: {{ response.failure_code | replace: "_", " " | downcase }}{% endif %}{% for item in response.items limit: 10 %}
+      Item: {{ item.name | truncate: 80 }} × {{ item.quantity }} at {{ item.net_unit_amount }} {{ response.currency }}{% endfor %}{% if response.customer_id %}
+      Customer ID: {{ response.customer_id }}{% endif %}
+      Created: {{ response.created | slice: 0, 10 }} · updated {{ response.updated | slice: 0, 10 }}{% else %}Xendit returned an unexpected response.{% endif %}
+
+  - id: list_subscription_cycles
+    title: List Subscription Cycles
+    description: List up to 10 billing cycles of a Xendit subscription plan, with each cycle's scheduled date, amount, status, payment attempts, and failure reasons. Use this to see whether a subscription charge succeeded or is being retried. Use the same plan ID as Get Subscription Plan.
+    http_method: GET
+    endpoint_url: https://api.xendit.co/recurring/plans/{{ plan_id | strip | url_encode }}/cycles?limit=10
+    auth_type: basic
+    auth_config:
+      username: ${{ secrets.secret_key }}
+      password: ''
+    param_schema:
+      - name: plan_id
+        type: string
+        description: The Xendit subscription plan ID, starting with repl_.
+        required: true
+    response_template: |-
+      {% if response.data %}{% for cycle in response.data limit: 10 %}- Cycle {{ cycle.cycle_number }} · scheduled {{ cycle.scheduled_timestamp | slice: 0, 10 }} · {{ cycle.status | downcase }} · {{ cycle.amount }} {{ cycle.currency }}
+        Cycle ID: {{ cycle.id }} · {{ cycle.attempt_count | default: 0 }} attempts{% for attempt in cycle.attempt_details limit: 5 %}
+        Attempt {{ attempt.attempt_number }} ({{ attempt.type | replace: "_", " " | downcase }}) on {{ attempt.created | slice: 0, 10 }}: {{ attempt.status | downcase }}{% if attempt.failure_code %}, {{ attempt.failure_code | replace: "_", " " | downcase }}{% endif %}{% if attempt.payment_id %} · payment ID {{ attempt.payment_id }}{% endif %}{% if attempt.next_retry_timestamp %} · next retry {{ attempt.next_retry_timestamp | slice: 0, 10 }}{% endif %}{% if attempt.payment_session.payment_link_url %}
+        Payment link: {{ attempt.payment_session.payment_link_url }}{% endif %}{% endfor %}
+      {% else %}No billing cycles found for this subscription plan.
+      {% endfor %}{% if response.has_more %}More cycles exist than the 10 shown.{% endif %}{% else %}Xendit returned an unexpected response.{% endif %}