io.usefulapi/mercoa
REMOTE · MERCOA.USEFULAPI.IO · SCANNED SEP 20
Query and manage Mercoa AP/AR bill-pay: entities, invoices, transactions and payment methods.
Available components
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 → Why this is hard to 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 enforcement could not be verified: the plaintext port answered with HTTP 401, which proves neither a plaintext path nor enforcement. 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 Usability72
- AI-judged instruction clarity (excellent).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 Management100
- No destabilizing schema changes in the last 30 days.Pass
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
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 17 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 17 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities60
- Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28. See how to fix → Fail
How do I install the io.usefulapi/mercoa MCP server?
io.usefulapi/mercoa is a hosted endpoint at https://mercoa.usefulapi.io/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · mercoa.usefulapi.io
claude mcp add --transport http io-usefulapi-mercoa 'https://mercoa.usefulapi.io/mcp'
{
"mcpServers": {
"io-usefulapi-mercoa": {
"url": "https://mercoa.usefulapi.io/mcp"
}
}
} {
"servers": {
"io-usefulapi-mercoa": {
"type": "http",
"url": "https://mercoa.usefulapi.io/mcp"
}
}
} [mcp_servers.io-usefulapi-mercoa] url = "https://mercoa.usefulapi.io/mcp"
{
"$schema": "https://opencode.ai/config.json",
"mcp": {
"io-usefulapi-mercoa": {
"type": "remote",
"url": "https://mercoa.usefulapi.io/mcp",
"enabled": true
}
}
} openclaw mcp add io-usefulapi-mercoa --url 'https://mercoa.usefulapi.io/mcp' --transport streamable-http
mcp_servers:
io-usefulapi-mercoa:
url: "https://mercoa.usefulapi.io/mcp" {
"McpServers": {
"io-usefulapi-mercoa": {
"Transport": "http",
"Url": "https://mercoa.usefulapi.io/mcp"
}
}
} assistant mcp add io-usefulapi-mercoa -t streamable-http -u 'https://mercoa.usefulapi.io/mcp'
{
"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.
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.
- 16 Sept 26 +4
- Authorization: fail → pass ▲ security
- Stability: 0.97 → pass security
- 15 Sept 26 −4
- Authorization: pass → fail ▼ security
- Stability: pass → 0.97 functional
- 14 Sept 26 +54
- Authorization: unverified → pass ▲ security
- Injection markers: unverified → pass ▲ security
- Stability: fail → pass ▲ security
- Schema quality: unverified → fail ▼ functional
- Schema quality: unverified → fail ▼ functional
- Schema quality: unverified → excellent ▲ functional
- Tool coverage: unverified → 100 ▲ functional
- This server's schema is too large to store in full, so we cannot compare its tools day to day functional
- 13 Sept 26 −54
- Authorization: pass → unverified ▼ security
- Tool safety: pass → unverified ▼ security
- Stability: pass → fail ▼ security
- Schema quality: excellent → unverified ▼ functional
- Schema quality: fail → unverified ▼ functional
- Schema quality: fail → unverified ▼ functional
- Tool coverage: 100 → unverified ▼ functional
- This server's schema is too large to store in full, so we cannot compare its tools day to day functional
- 12 Sept 26 +14
- Authorization: unverified → pass ▲ security
- Stability: fail → pass ▲ security
- 11 Sept 26 −14
- Authorization: pass → unverified ▼ security
- Stability: pass → fail ▼ security
- 10 Sept 26 +14
- Authorization: unverified → pass ▲ security
- Stability: fail → pass ▲ security
- 9 Sept 26 +40
- Injection markers: unverified → pass ▲ security
- Authorization: Authorisation not fully verified: this server exposes a tool marked destructive (mercoa_create_entity) and its handshake is open, but we could not confirm whether a tool call is gated, so we do not assert it is callable unauthenticated. security
- Schema quality: unverified → fail ▼ functional
- Schema quality: unverified → fail ▼ functional
- Schema quality: unverified → excellent ▲ functional
- Tool coverage: unverified → 100 ▲ functional
- This server's schema is too large to store in full, so we cannot compare its tools day to day functional
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 20 Sept 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 | 14 Sept 2026 | 13 Dec 2026 | ECDSA 256 | ECDSA-SHA256 | d47b5308db3a852b0e1b41c974b4b451 |
| 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 |
Background: What to check on a remote MCP endpoint →
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 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
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 |
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. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
mercoa_add_invoice_comment Add invoice comment ~75
WRITE — adds a comment to an invoice (visible in its activity log). POST /invoice/{invoiceId}/comment.
| 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.
| Name | Type | Req | Description |
|---|---|---|---|
| accountType | string | – | business or individual. |
| 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": "ap@acme.com", "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.
| 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.
| 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).
| 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.
| 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}.
| 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.
| 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.
| 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}.
| 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.
| 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 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}.
| 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}.
| 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.
| 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.
| 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}.
| 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.
What is the io.usefulapi/mercoa MCP server?
io.usefulapi/mercoa is an MCP server listed in the public MCP registry as io.usefulapi/mercoa. Query and manage Mercoa AP/AR bill-pay: entities, invoices, transactions and payment methods. This page covers its hosted endpoint (https://mercoa.usefulapi.io/mcp).
Is the io.usefulapi/mercoa MCP server safe to use?
io.usefulapi/mercoa scores 85 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the io.usefulapi/mercoa MCP server expose?
io.usefulapi/mercoa exposes 17 tools: mercoa_find_entities, mercoa_get_entity, mercoa_get_entity_events, mercoa_get_entity_invoice_metrics, mercoa_list_entity_payment_methods, and 12 more. Their descriptions and schemas cost roughly 2,638 tokens of context every time the server is loaded.
Does the io.usefulapi/mercoa MCP server require authentication?
Yes. io.usefulapi/mercoa asked us for credentials when we connected, so you will need to authorise it in your MCP client before it can do anything.
Is the io.usefulapi/mercoa MCP server still maintained?
io.usefulapi/mercoa is still listed as active in the MCP registry. We last reached this channel on 20 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.