io.usefulapi/mercoa

REMOTE · MERCOA.USEFULAPI.IO · SCANNED AUG 3

Query and manage Mercoa AP/AR bill-pay: entities, invoices, transactions and payment methods.

Available components

+4 this week 71 71 Trust /100

Trust breakdown (6 categories)

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score →

Endpoint Security78

The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
Authorisation is enforced on tool calls, advertised via RFC 9728 protected-resource metadata. Discovery is public, which costs nothing: no tool can be invoked without a token. View diagnostics → Pass
HTTPS not yet verified: we couldn't determine whether a plaintext access path exists. View diagnostics → Unverified
HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
The authorisation server offers only Dynamic Client Registration (RFC 7591), which MCP 2026-07-28 deprecated in favour of Client ID Metadata Documents. View diagnostics → Partial

Transport & Reachability100

Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass

Schema Quality & AI Usability66

AI-judged instruction clarity (good).Pass
Context-footprint check failed: tool/resource definitions use about 2638 tokens (~155/item across 17 items; 17 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
Usage-examples check failed: none of the tools include examples. See how to fix → Fail

Stability & Change Management23

Stability observed for 7 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial

Tool Coverage100

100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
100% of tool parameters carry a description.Pass

Capabilities60

Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28. See how to fix → Fail

Install

Add this component to your MCP client. Where a client-specific snippet is available, pick your client below and copy it straight into your config; otherwise use the connection detail shown.

remote · mercoa.usefulapi.io

Claude Codex opencode OpenClaw Hermes Other

# add to Claude Code

claude mcp add --transport http io-usefulapi-mercoa https://mercoa.usefulapi.io/mcp

# ~/.codex/config.toml

[mcp_servers.io-usefulapi-mercoa]
url = "https://mercoa.usefulapi.io/mcp"

// opencode.json

{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "io-usefulapi-mercoa": {
      "type": "remote",
      "url": "https://mercoa.usefulapi.io/mcp",
      "enabled": true
    }
  }
}

# add to OpenClaw

openclaw mcp add io-usefulapi-mercoa --url https://mercoa.usefulapi.io/mcp --transport streamable-http

# ~/.hermes/config.yaml

mcp_servers:
  io-usefulapi-mercoa:
    url: "https://mercoa.usefulapi.io/mcp"

// mcp.json

{
  "mcpServers": {
    "io-usefulapi-mercoa": {
      "type": "http",
      "url": "https://mercoa.usefulapi.io/mcp"
    }
  }
}

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

Changelog

Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.

3 Aug 26 +1

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.
2 Aug 26 +42
- Authorization: unverified → pass ▲ security
- MCP protocol: unverified → fail ▼ functional
- Endpoint reachability: not serving MCP → reachable ▲ functional
- Tool coverage: unverified → 100 ▲ functional
- Stability: unverified → 0.20 ▲ functional
1 Aug 26 −42
- Endpoint reachability: reachable → not serving MCP ▼ security
- Stability: 0.13 → unverified ▼ security
- Authorization: pass → unverified ▼ security
- Tool coverage: 100 → unverified ▼ functional
- Capabilities: fail → unverified ▼ functional
31 Jul 26 +4
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
30 Jul 26 −2
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
29 Jul 26 +1

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.
28 Jul 26 0
- Stability: unverified → 0.03 ▲ functional
27 Jul 26 +55
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional

Show 5 earlier entries Hide earlier entries

Diagnostics

Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.

Captured 3 Aug 2026 · Probed https://mercoa.usefulapi.io/mcp

TLS valid

Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .

Subject	Issuer	Valid from	Valid until	Key	Signature	Serial
CN=usefulapi.io	CN=WE1,O=Google Trust Services,C=US	17 Jul 2026	15 Oct 2026	ECDSA 256	ECDSA-SHA256	73eb61dcb8cb0ed513a90d08cc23ffd3
SANs: usefulapi.io, mercoa.usefulapi.io, *.mercoa.usefulapi.io
CN=WE1,O=Google Trust Services,C=US (CA)	CN=GTS Root R4,O=Google Trust Services LLC,C=US	13 Dec 2023	20 Feb 2029	ECDSA 256	ECDSA-SHA384	7ff31977972c224a76155d13b6d685e3
CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA)	CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE	15 Nov 2023	28 Jan 2028	ECDSA 384	SHA256-RSA	7fe530bf331343bedd821610493d8a1b

DNSSEC insecure

Validation of mercoa.usefulapi.io. — Not signed

Zone	DS	Keys	Algorithms	Outcome
.	trust_anchor	20326, 38696	8, 8	Verified
io.	present	57355	8	Verified
usefulapi.io.	absent			Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation

Authentication Enforced and verified

The endpoint asked for a token and published valid RFC 9728 metadata describing how to get one.

Result	Enforced and verified
Enforced	On tool calls
HTTP status	200

WWW-Authenticate challenge Bearer realm="OAuth", resource_metadata="https://mercoa.usefulapi.io/.well-known/oauth-protected-resource/mcp", error="invalid_token", error_description="Missing or invalid access token"

Bearer realm="OAuth", resource_metadata="https://mercoa.usefulapi.io/.well-known/oauth-protected-resource/mcp", error="invalid_token", error_description="Missing or invalid access token"

Protected resource metadata

Document	https://mercoa.usefulapi.io/.well-known/oauth-protected-resource/mcp
Retrieved	Yes
Resource	https://mercoa.usefulapi.io/mcp
Authorisation server	https://mercoa.usefulapi.io

Transports 2 probes

Transport	URL	Outcome	Status	Location
streamable-http	https://mercoa.usefulapi.io/mcp	Verified	200
http (plaintext)	http://mercoa.usefulapi.io/mcp	Inconclusive	401

MCP tools — 17 exposed · ~2,638 tokens

The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability.

Tool Tokens

mercoa_add_invoice_comment Add invoice comment ~75

WRITE — adds a comment to an invoice (visible in its activity log). POST /invoice/{invoiceId}/comment.

Input Output Examples

Name	Type	Req	Description
invoiceId	string	yes	Invoice ID to comment on.
text	string	yes	Comment text.
userId	string	—	ID or foreign ID of the user creating the comment.

No output schema declared.

No examples provided.

mercoa_create_entity Create entity ~211

WRITE — creates a real entity (customer/vendor/payor/payee) in Mercoa. Supply role flags, accountType, and a nested `profile` object (business or individual details). POST /entity.

Input Output Examples

Name	Type	Req	Description
accountType	string	—	business or individual.
email	string	—	Primary email for the entity.
foreignId	string	—	Your system's ID for this entity.
isCustomer	boolean	—	Whether this entity has a direct relationship with your organization.
isPayee	boolean	—	Whether this entity can receive payments (AR / vendor).
isPayor	boolean	—	Whether this entity can pay invoices (AP).
profile	object	—	Nested profile object, e.g. { "business": { "legalBusinessName": "Acme Inc.", "email": "[email protected]", "businessType": "llc" } } or { "individual": { "name": {...}, "email": "..." } }.

No output schema declared.

No examples provided.

mercoa_create_invoice Create invoice ~335

WRITE — creates a real invoice/bill in Mercoa. Set status (DRAFT to stage, NEW to submit), amount, currency, payer/vendor, dates and line items. POST /invoice.

Input Output Examples

Name	Type	Req	Description
amount	number	—	Total invoice amount.
creatorEntityId	string	—	Entity ID on whose behalf the invoice is created.
creatorUserId	string	—	User ID creating the invoice.
currency	string	—	Currency code, e.g. USD.
deductionDate	string	—	Scheduled payment/deduction date (ISO 8601).
dueDate	string	—	Due date (ISO 8601).
invoiceDate	string	—	Invoice date (ISO 8601).
invoiceNumber	string	—	Human-readable invoice number, e.g. INV-123.
lineItems	array	—	Line items array, e.g. [{ "amount": 100, "currency": "USD", "description": "Product A", "quantity": 1, "unitPrice": 100 }].
metadata	object	—	Arbitrary key/value metadata.
noteToSelf	string	—	Internal note.
payerId	string	—	Payer entity ID (who owes).
paymentDestinationId	string	—	Payment method ID to pay to (vendor's).
paymentSourceId	string	—	Payment method ID to pay from (payer's).
status	string	—	Invoice status, e.g. DRAFT, NEW, APPROVED, SCHEDULED.
vendorId	string	—	Vendor entity ID (who is paid).

No output schema declared.

No examples provided.

mercoa_find_entities Find entities ~213

Find/search entities (buyers, vendors, payors, payees). Use to look up counterparties by name/email/foreignId or list all. GET /entity.

Input Output Examples

Name	Type	Req	Description
foreignId	—	—	Your system's ID(s) for the entity.
isCustomer	boolean	—	If true, only entities with a direct relationship to your organization.
isPayee	boolean	—	Filter entities marked as payees.
isPayor	boolean	—	Filter entities marked as payors.
limit	integer	—	Max entities to return (1-100, default 10).
paymentMethods	boolean	—	If true, include payment methods in the response.
returnMetadata	—	—	Metadata key(s) to include in the response.
search	string	—	Search by name, email, emailTo, entity ID, or foreign ID (partial matches).
startingAfter	string	—	Entity ID cursor for pagination.
status	—	—	Entity status filter (e.g. verified, pending).

No output schema declared.

No examples provided.

mercoa_find_invoices Find invoices ~429

Find/search invoices (bills) across payers and vendors. Filter by status, entity, date, approver and more. GET /invoices (plural list endpoint).

Input Output Examples

Name	Type	Req	Description
approverAction	—	—	Filter by approver action (use with approverId), e.g. APPROVE.
approverId	—	—	Filter by assigned approver user ID(s).
creatorUserId	—	—	Filter by the user ID(s) that created the invoice.
dateType	string	—	Date type to filter by (e.g. CREATED_AT, DUE_DATE).
endDate	string	—	End date filter (ISO 8601).
entityGroupId	string	—	Filter by entity group ID.
entityId	—	—	Filter by entity (payer or vendor) ID(s) or foreign ID(s).
invoiceId	—	—	Filter by invoice ID(s) or foreign ID(s).
invoiceTemplateId	—	—	Filter by invoice template ID(s).
limit	integer	—	Max invoices to return (1-100, default 10).
orderBy	string	—	Field to order by (e.g. CREATED_AT, AMOUNT, DUE_DATE).
orderDirection	string	—	asc or desc.
payerId	—	—	Filter by payer ID(s) or foreign ID(s).
paymentType	—	—	Filter by payment type (e.g. recurring).
returnPayerMetadata	boolean	—	Include payer metadata in the response.
returnPaymentTiming	boolean	—	Include payment timing in the response.
returnVendorMetadata	boolean	—	Include vendor metadata in the response.
search	string	—	Search by vendor name, invoice number, check number, or amount.
startDate	string	—	Start date filter (ISO 8601).
startingAfter	string	—	Invoice ID cursor for pagination.
status	—	—	Invoice status filter (e.g. DRAFT, NEW, APPROVED, SCHEDULED, PAID).
vendorId	—	—	Filter by vendor ID(s) or foreign ID(s).

No output schema declared.

No examples provided.

mercoa_find_transactions Find transactions ~216

List/search payment transactions. Filter by entity, invoice, status, type and date. GET /transactions.

Input Output Examples

Name	Type	Req	Description
endDate	string	—	CREATED_AT end date filter (ISO 8601).
entityGroupId	string	—	Filter by entity group ID.
entityId	—	—	Filter by entity ID(s) or foreign ID(s).
invoiceId	—	—	Filter by invoice ID(s) or foreign ID(s).
limit	integer	—	Max transactions to return (1-100, default 10).
payerId	—	—	Filter by payer ID(s).
search	string	—	Search by vendor name, invoice number, check number, or amount.
startDate	string	—	CREATED_AT start date filter (ISO 8601).
startingAfter	string	—	Transaction ID cursor for pagination.
status	—	—	Transaction status filter.
transactionId	—	—	Filter by transaction ID(s).
transactionType	—	—	Filter by transaction type.
vendorId	—	—	Filter by vendor ID(s).

No output schema declared.

No examples provided.

mercoa_get_entity Get entity ~48

Get a single entity by ID (or foreign ID). GET /entity/{entityId}.

Input Output Examples

Name	Type	Req	Description
entityId	string	yes	Entity ID (e.g. ent_...) or foreign ID.

No output schema declared.

No examples provided.

mercoa_get_entity_events Get entity events ~103

Get the event/audit log for an entity. GET /entity/{entityId}/events.

Input Output Examples

Name	Type	Req	Description
endDate	string	—	End date filter (ISO 8601).
entityId	string	yes	Entity ID or foreign ID.
limit	integer	—	Max events to return (1-100).
startDate	string	—	Start date filter (ISO 8601).
startingAfter	string	—	Event ID cursor for pagination.

No output schema declared.

No examples provided.

mercoa_get_entity_invoice_metrics Get entity invoice metrics ~331

Get aggregate invoice metrics (totals/counts, grouped by currency) for an entity's payables/receivables — for AP/AR dashboards and aging. GET /entity/{entityId}/invoice-metrics.

Input Output Examples

Name	Type	Req	Description
approverId	—	—	Filter by assigned approver user ID(s).
currency	—	—	Currency code(s) to filter on, e.g. USD.
dateType	string	—	Date type to filter by (e.g. CREATED_AT, DUE_DATE).
endDate	string	—	End date filter (ISO 8601).
entityId	string	yes	Entity ID or foreign ID.
excludePayables	boolean	—	Only return receivables (exclude payables).
excludeReceivables	boolean	—	Only return payables (exclude receivables).
groupBy	—	—	Additional grouping (e.g. by status).
invoiceId	—	—	Filter by invoice ID(s) or foreign ID(s).
payerId	—	—	Filter by payer ID(s).
returnByDate	string	—	Group metrics by date, e.g. CREATION_DATE or DUE_DATE.
returnByDateFrequency	string	—	Frequency for date grouping (e.g. DAILY, MONTHLY).
search	string	—	Search by vendor name, invoice number, check number, or amount.
startDate	string	—	Start date filter (ISO 8601).
status	—	—	Invoice status filter (e.g. NEW, SCHEDULED, PAID).
vendorId	—	—	Filter by vendor ID(s).

No output schema declared.

No examples provided.

mercoa_get_invoice Get invoice ~47

Get a single invoice (bill) by ID. GET /invoice/{invoiceId}.

Input Output Examples

Name	Type	Req	Description
invoiceId	string	yes	Invoice ID (e.g. in_...) or foreign ID.

No output schema declared.

No examples provided.

mercoa_get_invoice_events Get invoice events ~110

Get the event/audit log for an invoice (status changes, approvals, payments). GET /invoice/{invoiceId}/events.

Input Output Examples

Name	Type	Req	Description
endDate	string	—	End date filter (ISO 8601).
invoiceId	string	yes	Invoice ID or foreign ID.
limit	integer	—	Max events to return (1-100).
startDate	string	—	Start date filter (ISO 8601).
startingAfter	string	—	Event ID cursor for pagination.

No output schema declared.

No examples provided.

mercoa_get_organization Get organization ~32

Get the caller's Mercoa organization configuration (settings, payment methods enabled, etc.). GET /organization.

Input Output Examples

Input schema present but exposes no named parameters.

No output schema declared.

No examples provided.

mercoa_get_payment_method Get payment method ~66

Get a single payment method for an entity. GET /entity/{entityId}/paymentMethod/{paymentMethodId}.

Input Output Examples

Name	Type	Req	Description
entityId	string	yes	Entity ID or foreign ID.
paymentMethodId	string	yes	Payment method ID (e.g. pm_...).

No output schema declared.

No examples provided.

mercoa_get_transaction Get transaction ~35

Get a single payment transaction by ID. GET /transaction/{transactionId}.

Input Output Examples

Name	Type	Req	Description
transactionId	string	yes	Transaction ID.

No output schema declared.

No examples provided.

mercoa_list_entity_payment_methods List entity payment methods ~73

List an entity's payment methods (bank accounts, cards, check, etc.). GET /entity/{entityId}/paymentMethods.

Input Output Examples

Name	Type	Req	Description
entityId	string	yes	Entity ID or foreign ID.
type	string	—	Filter by payment method type (e.g. bankAccount, card, check).

No output schema declared.

No examples provided.

mercoa_list_entity_users List entity users ~48

List the users belonging to an entity (approvers, admins, etc.). GET /entity/{entityId}/users.

Input Output Examples

Name	Type	Req	Description
entityId	string	yes	Entity ID or foreign ID.

No output schema declared.

No examples provided.

mercoa_update_invoice Update invoice ~266

WRITE — updates an existing invoice/bill (all fields optional). Commonly used to advance status (e.g. DRAFT→NEW→SCHEDULED) or change amounts, dates, or payment methods. POST /invoice/{invoiceId}.

Input Output Examples

Name	Type	Req	Description
amount	number	—	Total invoice amount.
currency	string	—	Currency code, e.g. USD.
deductionDate	string	—	Scheduled payment/deduction date (ISO 8601).
dueDate	string	—	Due date (ISO 8601).
invoiceDate	string	—	Invoice date (ISO 8601).
invoiceId	string	yes	Invoice ID to update.
invoiceNumber	string	—	Human-readable invoice number.
lineItems	array	—	Replacement line items array.
metadata	object	—	Arbitrary key/value metadata.
noteToSelf	string	—	Internal note.
payerId	string	—	Payer entity ID.
paymentDestinationId	string	—	Payment method ID to pay to.
paymentSourceId	string	—	Payment method ID to pay from.
status	string	—	New invoice status, e.g. NEW, APPROVED, SCHEDULED.
vendorId	string	—	Vendor entity ID.

No output schema declared.

No examples provided.

On this page

Handy links

Scoring key

80+ high trust
60–79 medium
below 60 low

How we score

Score history · last 30 days

26 Jul 3 Aug

Day	Score
26 Jul	12
27 Jul	67
28 Jul	67
29 Jul	68
30 Jul	66
31 Jul	70
1 Aug	28
2 Aug	70
3 Aug	71