Mercoa MCP by usefulapi
REMOTE · MERCOA.USEFULAPI.IO
Query and manage Mercoa AP/AR bill-pay: entities, invoices, transactions and payment methods.
Available components
Last scanned (6 hours ago)
Scores higher than 4% of remote servers
Reachable. Last reached 5 Nov 2026.
Category Finance and Payments
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 Security46
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- Authorisation not yet verified: we couldn't confirm whether this endpoint requires it. View diagnostics → Unverified
- HTTPS enforcement could not be verified: the plaintext port redirected somewhere other than https, so enforcement is unproven. 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
Transport & Reachability0
- Transport check failed: declared streamable-http, but the endpoint redirected instead of responding directly. See how to fix → View diagnostics → Fail
Schema Quality & AI Usability0
- Schema not yet verified: we couldn't read the endpoint's schema, or could read only part of its tool list.Unverified
Stability & Change Management0
- Stability not yet verified: not enough scan history yet (needs a 30-day window).Unverified
Tool Coverage0
- Tool coverage not yet verified: we couldn't read the endpoint's tools, or could read only part of the list.Unverified
Tool Safety0
- Tool safety not yet verified: we couldn't read the endpoint's tools, or could read only part of the list.Unverified
Capabilities0
- Capabilities not yet verified: we couldn't read the endpoint's capabilities.Unverified
Unverified: 5 categories
Categories scored 0 because we could not verify them: authentication we do not have, an unreachable endpoint, or not enough scan history. We only credit what we can confirm.
Checks we ran (4)
- TLS certificate
- HSTS header
- DNSSEC
- Transport
Checks we could not complete (7)
These are gaps on our side, not findings about this hosted endpoint. We only credit what we can confirm, so a category made up entirely of them scores 0.
- Authorization in Endpoint SecurityAuthorisation not yet verified: we couldn't confirm whether this endpoint requires it.
- HTTPS in Endpoint SecurityHTTPS enforcement could not be verified: the plaintext port redirected somewhere other than https, so enforcement is unproven.
- Schema quality in Schema Quality & AI Usability (scores 0 for this)Schema not yet verified: we couldn't read the endpoint's schema, or could read only part of its tool list.
- Stability in Stability & Change Management (scores 0 for this)Stability not yet verified: not enough scan history yet (needs a 30-day window).
- Tool coverage in Tool Coverage (scores 0 for this)Tool coverage not yet verified: we couldn't read the endpoint's tools, or could read only part of the list.
- Tool safety in Tool Safety (scores 0 for this)Tool safety not yet verified: we couldn't read the endpoint's tools, or could read only part of the list.
- Capabilities in Capabilities (scores 0 for this)Capabilities not yet verified: we couldn't read the endpoint's capabilities.
Does not apply to this hosted endpoint (2)
- Supply Chain SecurityScored on package channels only. This is a hosted endpoint, so there is nothing to install or inspect.
- Provenance & TransparencyScored on package channels only. This is a hosted endpoint, so there is nothing to install or inspect.
The score does not measure everything. What the score does not measure →
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.
- 2 Nov 26 −61
- Endpoint reachability: reachable → not serving MCP ▼ security
- Tool safety: pass → unverified ▼ security
- Authorization: pass → unverified ▼ security
- Stability: 0.97 → unverified ▼ security
- Schema quality: 100 → unverified ▼ functional
- Capabilities: pass → unverified ▼ functional
- Tool coverage: 100 → unverified ▼ functional
- 1 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 93 to 97. That category is still filling its 30-day observation window: 28 days of observed history at the previous scan, 29 at this one. The score rises as the window fills, whether or not the server changes.
- 31 Oct 26 +2
- Authorization: partial → pass ▲ security
- MCP protocol: fail → pass ▲ functional
- Stability: pass → 0.93 functional
- New prompt “check_payment_transactions_for_an_invoice_or_entity” functional
- New prompt “create_a_bill_update_it_or_add_a_comment” functional
- New prompt “find_bills_that_wait_for_approval” functional
- New prompt “find_or_add_a_vendor_or_customer” functional
- New prompt “see_the_history_of_an_invoice” functional
- New prompt “total_invoice_amounts_per_entity_and_currency” functional
- MCP protocol version: 2025-06-18 → 2025-11-25 functional
- Server version: 1.31.0 → 1.33.0 functional
- Server version: 1.30.0 → 1.31.0 functional
- Server version: 1.29.2 → 1.30.0 functional
- 30 Oct 26 0
- Server version: 1.29.1 → 1.29.2 functional
- Server version: 1.29.0 → 1.29.1 functional
- 29 Oct 26 0
- Server version: 1.28.0 → 1.29.0 functional
- Server version: 1.27.0 → 1.28.0 functional
- 28 Oct 26 0
- Server version: 1.25.0 → 1.27.0 functional
- 27 Oct 26 0
- Server version: 1.24.0 → 1.25.0 functional
- 25 Oct 26 0
- Server version: 1.23.0 → 1.24.0 functional
- Server version: 1.22.0 → 1.23.0 functional
- Server version: 1.21.3 → 1.22.0 functional
- Server version: 1.21.0 → 1.21.3 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 5 Nov 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 | 13 Sept 2026 | 12 Dec 2026 | ECDSA 256 | ECDSA-SHA256 | d9be3287b0fde9630e825ba1f79bff3f |
| SANs: usefulapi.io, *.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. | DS published | 38690 | 8 | Verified |
| usefulapi.io. | No DS | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication Inconclusive
We could not reach the endpoint well enough to judge its authorisation posture.
| Result | Inconclusive |
|---|---|
| HTTP status | 302 |
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 | Redirected | 302 | https://usefulapi.io/mercoa/ |
| http (plaintext) | http://mercoa.usefulapi.io/mcp | Inconclusive | 302 | http://mercoa.usefulapi.io/mcp |
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.
How do I install the Mercoa MCP by usefulapi server?
Mercoa MCP by usefulapi 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'
What is the Mercoa MCP by usefulapi server?
Mercoa MCP by usefulapi is 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 Mercoa MCP by usefulapi server safe to use?
Mercoa MCP by usefulapi scores 18 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 Mercoa MCP by usefulapi server expose?
Mercoa MCP by usefulapi 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 Mercoa MCP by usefulapi server require authentication?
Its publisher declares no required credentials for Mercoa MCP by usefulapi. We have not been able to confirm that against the live endpoint, and a server can require authorisation without declaring it here.
Is the Mercoa MCP by usefulapi server still maintained?
Mercoa MCP by usefulapi is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.
What did VerifyMCP test on the Mercoa MCP by usefulapi server?
VerifyMCP ran 4 checks on Mercoa MCP by usefulapi, covering TLS certificate, HSTS header, DNSSEC and Transport. 7 items could not be completed, a gap on our side rather than a finding about Mercoa MCP by usefulapi: Authorization, HTTPS, Schema quality, Stability and 3 more. 5 categories score 0 for that reason, because we only credit what we can confirm. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.