{"$schema":"https://verifymcp.io/schemas/trust-report.json","schemaVersion":1,"license":{"name":"CC BY-NC 4.0","url":"https://creativecommons.org/licenses/by-nc/4.0/"},"generatedAt":"2026-11-05T19:28:56.744Z","url":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter","markdownUrl":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter.md","server":{"slug":"com-paidrouter-paidrouter","name":"PaidRouter","registryName":"com.paidrouter/paidrouter","description":"Cheapest way to get paid: every route ranked by fee, from providers' own pricing pages, dated.","registryStatus":"active","deletedAt":null,"statusMessage":null,"liveness":"live","publisher":{"class":"unknown","claimed":false}},"component":{"slug":"paidrouter","type":"remote","identifier":"https://paidrouter.com/mcp","withdrawn":false,"url":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter","version":"0.2.0","transport":null,"scoredAt":"2026-11-05T01:03:40.868Z"},"score":{"total":58,"tier":"low","status":"scored","weekDelta":null,"history":[{"date":"2026-11-05","total":58},{"date":"2026-11-04","total":58},{"date":"2026-11-03","total":57},{"date":"2026-11-02","total":57},{"date":"2026-11-01","total":56},{"date":"2026-10-31","total":56},{"date":"2026-10-30","total":55}]},"categories":[{"name":"Endpoint Security","score":46,"verdict":"fail","reasons":["The endpoint's TLS certificate is valid, in date, and uses a strong key.","Authorisation not fully verified: no authorisation is required to call this server, and 9 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.","HTTPS enforcement could not be verified: the plaintext port answered with HTTP 406, which proves neither a plaintext path nor enforcement.","HSTS check failed: the Strict-Transport-Security header is absent.","DNSSEC check failed: this domain isn't protected by DNSSEC."],"codes":[{"code":"tls.valid","args":{}},{"code":"auth.none_undeclared","args":{"undeclared_tools":"9"}},{"code":"https.inconclusive","args":{"reason":"plaintext_status","status":"406"}},{"code":"headers.hsts_absent","args":{}},{"code":"dnssec.absent","args":{}}]},{"name":"Transport & Reachability","score":100,"verdict":"pass","reasons":["Verified streamable-http transport via a live MCP handshake."],"codes":[{"code":"transport.verified","args":{"transport":"streamable-http"}}]},{"name":"Schema Quality & AI Usability","score":59,"verdict":"fail","reasons":["AI-judged instruction clarity (excellent).","Context-footprint check failed: tool/resource definitions use about 2991 tokens (~332/item across 9 items; 9 tools + 0 resources), over budget; trim descriptions and params.","Usage-examples check failed: none of the tools include examples."],"codes":[{"code":"schema.ai_quality","args":{"band":"excellent"}},{"code":"schema.footprint_heavy","args":{"avg":"332","items":"9","tools":"9","tokens":"2991","resources":"0"}},{"code":"schema.examples_absent","args":{}}]},{"name":"Stability & Change Management","score":20,"verdict":"partial","reasons":["Stability observed for 6 of 30 days with no destabilising changes; credit accrues until the full window elapses."],"codes":[{"code":"stability.building_history","args":{"days":"6"}}]},{"name":"Tool Coverage","score":95,"verdict":"partial","reasons":["100% of tools have a non-trivial description (not blank, and not just the tool's name).","84% of tool parameters carry a description."],"codes":[{"code":"toolquality.descriptions","args":{"pct":"100"}},{"code":"toolquality.param_docs","args":{"pct":"84"}}]},{"name":"Tool Safety","score":75,"verdict":"fail","reasons":["No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.","0 of 1 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation; \"compare_send_money\" implies \"send\" and declares no destructiveHint at all, which the MCP spec reads as destructive by default.","An AI judge read all 10 captured unit(s) of tool text and found none that tries to manipulate the model reading it."],"codes":[{"code":"toolsafety.injection_clean","args":{}},{"code":"toolsafety.destructive_undeclared","args":{"pct":"0","tool":"compare_send_money","verb":"send","declared":"none","annotated":"0","destructive":"1"}},{"code":"toolsafety.manipulation_clean","args":{"units":"10","judged":"10"}}]},{"name":"Capabilities","score":100,"verdict":"pass","reasons":["Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28."],"codes":[{"code":"protocol.supported","args":{"latest":"2026-07-28","version":"2025-11-25"}}]}],"inconclusive":["Authorisation not fully verified: no authorisation is required to call this server, and 9 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.","HTTPS enforcement could not be verified: the plaintext port answered with HTTP 406, which proves neither a plaintext path nor enforcement."],"malware":[],"components":[{"slug":"paidrouter","type":"remote","identifier":"https://paidrouter.com/mcp","withdrawn":false,"score":58,"current":true,"url":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter","markdownUrl":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter.md"}],"facts":[{"label":"Endpoint","value":"https://paidrouter.com/mcp"},{"label":"Transports","value":"streamable-http"},{"label":"Auth","value":"none"},{"label":"Version","value":"0.2.0"}],"install":{"available":true,"bundleSha256":null},"tools":[{"name":"cheapest_way_to_get_paid","title":"Cheapest way to get paid","description":"Ask this before the owner invoices or accepts a payment, or when they wonder if they overpay in fees. Give the amount and how the payer can pay (card online, card in person, bank transfer, payment app, or any). Returns every route ranked by fee, cheapest first: provider, method, fee in dollars, what the owner keeps, how to set it up, and whether the number is exact or an estimate. Pass current_route to get the saving per payment and per year. Example: a $1,000 invoice costs $35.39 on PayPal Checkout, $29.30 on Stripe card, $5.00 on Stripe ACH and $0 on a Melio bank-transfer request. Fees are from the providers' own pricing pages, dated, US only.","inputs":[{"name":"amount","type":"number","required":true,"description":"Payment amount in USD"},{"name":"current_route","type":"string","required":false,"description":"How the owner gets paid today (e.g. paypal_checkout, stripe_card), to compute savings"},{"name":"fresh","type":"boolean","required":false,"description":"Re-read the provider's pricing page (or the live FX quote) now instead of using the last check. Slower. Up to 20 page reads per key per day. Use when the owner is about to act on the number."},{"name":"payer_pays_by","type":"string","required":false,"description":"How the payer can pay: card_online, card_in_person, bank, app, or any"},{"name":"payments_per_month","type":"integer","required":false,"description":"Payments of this size per month, for yearly savings"}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":310},{"name":"get_fees","title":"Get fees","description":"The raw, sourced fee entries behind every answer: percent, fixed fee, caps, minimums, extras (international, instant payout, chargebacks), the source URL and the date verified. Filter by platform (stripe, square, paypal, venmo, cash_app, helcim, melio, payoneer, wise_business, shopify_payments, zelle, ebay, etsy, upwork, fiverr, amazon, quickbooks_payments, quickbooks_payments_desktop, freshbooks, wave, xero, gocardless, zoho_payments, bill_com, honeybook, bonsai, invoice2go, jobber, housecall_pro, toast, clover, godaddy_payments, wix_payments, squarespace_payments, lightspeed, sumup, paypal_pos, patreon, gumroad, kofi, buymeacoffee, substack, teachable, kajabi, podia, lemonsqueezy, paddle, fanfix, poshmark, mercari, depop, stockx, reverb, whatnot, airbnb, turo, shopify_collective, ubereats, doordash, ramp, brex, apple_cash, wise, chase, bank_of_america, wells_fargo, deel, remote, gusto, airwallex, revolut_business, mercury, coinbase, coinbase_exchange, coinbase_x402, coinbase_commerce, kraken, gemini, bitpay, strike, circle, skyfire, crossmint) and/or method (card_online, card_in_person, ach_debit, business_profile, ...). Use it to quote a provider's exact pricing or to check a number. If a platform is missing, say so to the owner; PaidRouter records the ask and adds it.","inputs":[{"name":"fresh","type":"boolean","required":false,"description":"Re-read the provider's pricing page (or the live FX quote) now instead of using the last check. Slower. Up to 20 page reads per key per day. Use when the owner is about to act on the number."},{"name":"method","type":"string","required":false,"description":"e.g. card_online, ach_debit, business_profile"},{"name":"platform","type":"string","required":false,"description":"stripe, square, paypal, venmo, cash_app, helcim, melio, payoneer, wise_business, shopify_payments, zelle, ebay, etsy, upwork, fiverr, amazon, quickbooks_payments, quickbooks_payments_desktop, freshbo…"}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":724},{"name":"explain_fees","title":"Explain fees","description":"When the owner asks why a provider took a certain amount ('why did PayPal take $35 from my $1,000?'). Give the platform, the method and the amount; returns a plain-words explanation: the fee, the formula, the effective percent, extras that can apply, and the source.","inputs":[{"name":"amount","type":"number","required":false,"description":null},{"name":"fresh","type":"boolean","required":false,"description":"Re-read the provider's pricing page (or the live FX quote) now instead of using the last check. Slower. Up to 20 page reads per key per day. Use when the owner is about to act on the number."},{"name":"method","type":"string","required":true,"description":"e.g. paypal_checkout, card_online, ach_debit"},{"name":"platform","type":"string","required":true,"description":"stripe, square, paypal, venmo, cash_app, helcim, melio, payoneer, wise_business, shopify_payments, zelle, ebay, etsy, upwork, fiverr, amazon, quickbooks_payments, quickbooks_payments_desktop, freshbo…"}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":427},{"name":"compare_send_money","title":"Compare sending money abroad","description":"When the owner wants to send US dollars abroad and asks who is cheapest. Supports USD->MXN and USD->INR today, paid by bank transfer. Returns providers ranked by what the recipient gets, with each provider's fee and exchange rate, the quote date and the source. Uses the nearest stored quote amount ($200 or $1,000, refreshed daily) and says so; with fresh: true it reads the live quote for the exact amount. The cheapest provider changes with the amount.","inputs":[{"name":"amount","type":"number","required":true,"description":null},{"name":"corridor","type":"string","required":true,"description":null},{"name":"fresh","type":"boolean","required":false,"description":"Re-read the provider's pricing page (or the live FX quote) now instead of using the last check. Slower. Up to 20 page reads per key per day. Use when the owner is about to act on the number."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":177},{"name":"my_effective_rate","title":"My effective rate","description":"What the owner really pays to get paid, from their own exports, next to the published fee for the same payments and the cheapest route their payers can use, with the yearly saving in dollars. Send totals only, one row per route and period: {route, period_start, period_end, gross_volume, fees_paid, payment_count}. Never send customer names, emails or transaction ids; PaidRouter stores only these totals.\nStripe: export the itemized Payout reconciliation report (Reports → Payout reconciliation) or Balance → Balance change from activity, itemized, and add the payment_method_type column. Keep rows with reporting_category = charge. Card rows go to stripe_card (stripe_terminal if taken in person), us_bank_account rows to stripe_ach. Per route, send the sum of gross, the sum of fee and the number of rows, with the first and last created date as the period. Amounts are in dollars. The plain Payouts list export has no per-payment fees; don't use it.\nPayPal: Activity → Reports → Activity download, CSV. Keep completed payments received: Status = Completed, positive Gross, Type such as Express Checkout Payment, Website Payment, General Payment or Mobile Payment. Checkout payments go to paypal_checkout (paypal_card if you can tell they were guest card payments), goods-and-services payments from PayPal users go to paypal_gs. Send the sum of Gross, the sum of Fee (PayPal may show it as a negative number; either sign works), and the row count, with the first and last Date as the period.","inputs":[{"name":"payer_pays_by","type":"string","required":false,"description":"How the owner's payers could pay instead. Default: the same way as today (card stays card). 'any' also counts bank transfer, which needs the payer's agreement."},{"name":"totals","type":"array","required":true,"description":null}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":381},{"name":"report_observed_fee","title":"Report an observed fee","description":"When the owner was charged a fee and you can see it (a Stripe, PayPal or Square payment detail, a statement line), send the route, the payment amount, the fee charged and the date. Returns the published fee for that payment, the difference, and a one-line reading: matches, promo (fee waived or reduced for a while), likely_negotiated (lower than published), or possible_hidden_extra (higher; names the published extra that explains it, such as an international card, when one does). Use it to answer 'was I overcharged?'. Each report also tells PaidRouter how real fees compare to published ones. Send only these numbers; nothing about the payer. Up to 100 reports per key per day.","inputs":[{"name":"amount","type":"number","required":true,"description":"Payment amount in USD"},{"name":"charged_on","type":"string","required":true,"description":"YYYY-MM-DD"},{"name":"extras","type":"string","required":false,"description":"Anything the statement says about the fee, e.g. 'international card', 'promo rate'. Not stored."},{"name":"fee_charged","type":"number","required":true,"description":"Fee the provider took on that payment, USD"},{"name":"route","type":"string","required":true,"description":"Route id, e.g. stripe_card, paypal_checkout, venmo_business"}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":251},{"name":"watch_routes","title":"Watch routes","description":"Tell PaidRouter which routes the owner uses (e.g. stripe_card, paypal_checkout, venmo_business, or a corridor like USD->MXN). From then on, any PaidRouter answer to this key starts with 'Since your last call, routes you watch changed: ...' when a fee or the best FX provider moved. Optionally give an https webhook_url: when the daily check finds a change on a watched route, PaidRouter POSTs {event: 'fee_changes', changes: [...]} to it, signed with HMAC-SHA256 of the raw body using your PaidRouter key as the secret, hex in the x-paidrouter-signature header (sha256=...). Each call replaces the list; send an empty list to stop watching. Up to 50 routes.","inputs":[{"name":"routes","type":"array","required":true,"description":"Route ids (stripe_card), platform/method (stripe/card_online) or corridors (USD->MXN)"},{"name":"webhook_url","type":"string","required":false,"description":"https URL to POST changes to (optional)"}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":211},{"name":"request_route","title":"Request coverage","description":"When the owner needs a provider, method, country or corridor PaidRouter doesn't cover yet (get_fees came back empty, or compare_send_money doesn't know the corridor), send what they need. PaidRouter records it, counts it on https://paidrouter.com/coverage, and adds the most-requested coverage every week with the date. Returns what is covered today that comes closest.","inputs":[{"name":"country","type":"string","required":false,"description":"Country or currency involved, if any"},{"name":"kind","type":"string","required":false,"description":"What the owner is trying to do"},{"name":"note","type":"string","required":false,"description":"Anything that helps, e.g. the amount or how often"},{"name":"what","type":"string","required":true,"description":"Provider, method or corridor, e.g. 'QuickBooks Payments', 'Wise → Philippines', 'paying a supplier by ACH', 'GBP receiving'"}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":169},{"name":"route_it_for_me","title":"Route it for me","description":"Ask PaidRouter to set up the cheapest route for the owner's real payments instead of just reporting it. Not live yet: this records the request on the routing waitlist (with the owner's email only if they agreed) and tells you what the owner can do today. Call it when the owner says 'just switch me' or 'do it for me'.","inputs":[{"name":"amount","type":"number","required":false,"description":null},{"name":"how_paid_now","type":"string","required":false,"description":"e.g. 'PayPal Checkout on invoices'"},{"name":"owner_email","type":"string","required":false,"description":"Only with the owner's permission"}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":119}],"toolsTruncatedAtCapture":false,"diagnostics":{"capturedAt":"2026-11-05T01:03:40.000Z","track":"remote","endpoint":"https://paidrouter.com/mcp","declaredUrl":null,"truncated":false,"tls":{"outcome":"valid","label":"Valid","version":"TLS 1.3","cipherSuite":"TLS_AES_128_GCM_SHA256","chainError":null,"certificates":[{"subject":"CN=paidrouter.com","issuer":"CN=WE1,O=Google Trust Services,C=US","notBefore":"2026-10-30T01:37:14Z","notAfter":"2027-01-28T02:37:11Z","keyType":"ECDSA","keyBits":256,"isCa":false},{"subject":"CN=WE1,O=Google Trust Services,C=US","issuer":"CN=GTS Root R4,O=Google Trust Services LLC,C=US","notBefore":"2023-12-13T09:00:00Z","notAfter":"2029-02-20T14:00:00Z","keyType":"ECDSA","keyBits":256,"isCa":true},{"subject":"CN=GTS Root R4,O=Google Trust Services LLC,C=US","issuer":"CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE","notBefore":"2023-11-15T03:43:21Z","notAfter":"2028-01-28T00:00:42Z","keyType":"ECDSA","keyBits":384,"isCa":true}]},"dnssec":{"result":"insecure","label":"Not signed","name":"paidrouter.com.","steps":[{"zone":".","outcome":"verified","label":"Verified"},{"zone":"com.","outcome":"verified","label":"Verified"},{"zone":"paidrouter.com.","outcome":"insecure_proven","label":"Unsigned (proven)"}]},"auth":{"outcome":"none","label":"No authorisation required","gate":null,"gateLabel":null,"status":200,"authorizationServers":[]},"httpsRedirect":{"outcome":"inconclusive","label":"Inconclusive","status":406},"transports":[{"transport":"streamable-http","outcome":"verified","label":"Verified","status":200,"followed":false}],"provenance":null,"installScripts":[],"installScriptsTotal":null,"vulnerabilities":[],"vulnerabilitiesTotal":null,"dependencies":null},"mismatches":[],"changelog":{"trackingSince":"2026-10-30","recent":[{"id":"chg_01a1a415-5563-7465-bb7c-69ff44f18d6d","kind":"score.total_changed","summary":"Trust score (57 → 58)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-11-04","url":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter#chg-chg_01a1a415-5563-7465-bb7c-69ff44f18d6d"},{"id":"chg_01a199c8-2d0f-7909-a7b4-301b9a2d2414","kind":"score.total_changed","summary":"Trust score (56 → 57)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-11-02","url":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter#chg-chg_01a199c8-2d0f-7909-a7b4-301b9a2d2414"},{"id":"chg_01a18f7b-42d1-717f-b60c-7d44a57627ff","kind":"check.measure","summary":"Schema quality (269 → 332)","materiality":"functional","direction":"regression","scoreDelta":null,"occurredOn":"2026-10-31","url":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter#chg-chg_01a18f7b-42d1-717f-b60c-7d44a57627ff"},{"id":"chg_01a18f7b-42d2-78fe-a9ce-ad25e7da410e","kind":"check.reverified","summary":"Stability (unverified → 0.03)","materiality":"functional","direction":"improvement","scoreDelta":null,"occurredOn":"2026-10-31","url":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter#chg-chg_01a18f7b-42d2-78fe-a9ce-ad25e7da410e"},{"id":"chg_01a18f7b-42d4-70a3-9e9a-f9c3c1c9fd85","kind":"param.description_changed","summary":"“explain_fees” reworded the description of “platform”","materiality":"cosmetic","direction":"neutral","scoreDelta":null,"occurredOn":"2026-10-31","url":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter#chg-chg_01a18f7b-42d4-70a3-9e9a-f9c3c1c9fd85"},{"id":"chg_01a18f7b-42d4-7865-92e0-9175c5927001","kind":"tool.description_changed","summary":"Tool “get_fees” rewrote its description, which is the text the model reads","materiality":"security","direction":"neutral","scoreDelta":null,"occurredOn":"2026-10-31","url":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter#chg-chg_01a18f7b-42d4-7865-92e0-9175c5927001"},{"id":"chg_01a18f7b-42d6-7153-b00f-7e5a99c6f89d","kind":"param.description_changed","summary":"“get_fees” reworded the description of “platform”","materiality":"cosmetic","direction":"neutral","scoreDelta":null,"occurredOn":"2026-10-31","url":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter#chg-chg_01a18f7b-42d6-7153-b00f-7e5a99c6f89d"},{"id":"chg_01a18f7b-42d6-7a79-b0f9-d09b7fa3cbc9","kind":"tool.added","summary":"New tool “request_route”","materiality":"functional","direction":"neutral","scoreDelta":null,"occurredOn":"2026-10-31","url":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter#chg-chg_01a18f7b-42d6-7a79-b0f9-d09b7fa3cbc9"},{"id":"chg_01a18f7b-42d7-7310-8b6d-fb2adca8fdbc","kind":"score.total_changed","summary":"Trust score (55 → 56)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-10-31","url":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter#chg-chg_01a18f7b-42d7-7310-8b6d-fb2adca8fdbc"},{"id":"chg_01a18bde-e41f-7937-b897-74c426254d20","kind":"score.first_scored","summary":"First indexed and scored","materiality":"functional","direction":"neutral","scoreDelta":null,"occurredOn":"2026-10-30","url":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter#chg-chg_01a18bde-e41f-7937-b897-74c426254d20"},{"id":"chg_01a18afa-3839-7d9a-bd08-0b25cd02b5c7","kind":"score.first_scored","summary":"First indexed and scored","materiality":"functional","direction":"neutral","scoreDelta":null,"occurredOn":"2026-10-30","url":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter#chg-chg_01a18afa-3839-7d9a-bd08-0b25cd02b5c7"}],"truncated":false,"feedUrl":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter/changelog.json"},"links":{"html":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter","markdown":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter.md","changelogJson":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter/changelog.json","changelogRss":"https://verifymcp.io/servers/com-paidrouter-paidrouter/paidrouter.xml","external":[{"label":"Remote endpoint","href":"https://paidrouter.com/mcp"},{"label":"Website","href":"https://paidrouter.com/"}]}}