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PaidRouter

by com.paidrouter
OverviewDiscussionsAdmin

Cheapest way to get paid

cheapest_way_to_get_paid

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.

Input Schema

NameRequiredDescriptionDefault
freshNoRe-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.
amountYesPayment amount in USD
current_routeNoHow the owner gets paid today (e.g. paypal_checkout, stripe_card), to compute savings
payer_pays_byNoHow the payer can pay: card_online, card_in_person, bank, app, or anyany
payments_per_monthNoPayments of this size per month, for yearly savings

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed1 schema field changed
    • changedInput schema / properties / current_route / enum
      Previous value: -[
-  "quickbooks_payments_invoice_card",
-  "quickbooks_payments_desktop_invoice_card",
-  "freshbooks_invoice_card",
-  "wave_invoice_card",
-  "xero_invoice_card",
-  "zoho_payments_card_online",
-  "bill_com_invoice_card",
-  "honeybook_invoice_card",
-  "bonsai_invoice_card",
-  "housecall_pro_invoice_card",
-  "godaddy_payments_card_online",
-  "godaddy_payments_invoice_card",
-  "wix_payments_card_online",
-  "squarespace_payments_card_online",
-  "squarespace_payments_card_online_plus",
-  "squarespace_payments_card_online_advanced",
-  "square_card_online",
-  "square_card_online_square_premium",
-  "sumup_invoice_card",
-  "paypal_invoice_card",
-  "airwallex_card_online",
-  "squarespace_payments_card_online_core",
-  "square_card_online_square_plus",
-  "stripe_card",
-  "square_card",
-  "paypal_checkout",
-  "paypal_card",
-  "helcim_card",
-  "melio_card",
-  "shopify_card",
-  "quickbooks_payments_card_in_person",
-  "xero_card_in_person",
-  "jobber_card_in_person",
-  "housecall_pro_card_in_person",
-  "clover_card_in_person_retail_growth",
-  "godaddy_payments_card_in_person",
-  "wix_payments_card_in_person",
-  "wix_payments_tap_to_pay",
-  "squarespace_payments_card_in_person",
-  "shopify_payments_card_in_person",
-  "shopify_payments_card_in_person_grow",
-  "shopify_payments_card_in_person_advanced",
-  "shopify_payments_card_in_person_plus",
-  "square_card_in_person_square_plus",
-  "square_card_in_person_square_premium",
-  "lightspeed_card_in_person",
-  "sumup_card_in_person",
-  "paypal_pos_card_in_person",
-  "stripe_tap_to_pay",
-  "squarespace_payments_card_in_person_core",
-  "stripe_terminal",
-  "square_in_person",
-  "helcim_in_person",
-  "quickbooks_payments_invoice_ach",
-  "freshbooks_invoice_ach",
-  "wave_invoice_ach",
-  "xero_invoice_ach",
-  "xero_bank_transfer",
-  "gocardless_ach_debit",
-  "zoho_payments_ach_debit",
-  "bill_com_invoice_ach",
-  "honeybook_invoice_ach",
-  "bonsai_invoice_ach",
-  "jobber_invoice_ach",
-  "housecall_pro_invoice_ach",
-  "melio_ach",
-  "stripe_ach",
-  "helcim_ach",
-  "square_ach",
-  "paypal_ach",
-  "zelle_business",
-  "wise_business_bank",
-  "payoneer_bank",
-  "venmo_business",
-  "cash_app_business",
-  "paypal_gs"
-]New value: +[
+  "quickbooks_payments_invoice_card",
+  "quickbooks_payments_desktop_invoice_card",
+  "freshbooks_invoice_card",
+  "wave_invoice_card",
+  "xero_invoice_card",
+  "zoho_payments_card_online",
+  "bill_com_invoice_card",
+  "honeybook_invoice_card",
+  "bonsai_invoice_card",
+  "housecall_pro_invoice_card",
+  "godaddy_payments_card_online",
+  "godaddy_payments_invoice_card",
+  "wix_payments_card_online",
+  "squarespace_payments_card_online",
+  "squarespace_payments_card_online_plus",
+  "squarespace_payments_card_online_advanced",
+  "square_card_online",
+  "square_card_online_square_premium",
+  "sumup_invoice_card",
+  "paypal_invoice_card",
+  "airwallex_card_online",
+  "stripe_card",
+  "square_card",
+  "paypal_checkout",
+  "paypal_card",
+  "helcim_card",
+  "melio_card",
+  "shopify_card",
+  "quickbooks_payments_card_in_person",
+  "xero_card_in_person",
+  "jobber_card_in_person",
+  "housecall_pro_card_in_person",
+  "clover_card_in_person_retail_growth",
+  "godaddy_payments_card_in_person",
+  "wix_payments_card_in_person",
+  "wix_payments_tap_to_pay",
+  "squarespace_payments_card_in_person",
+  "shopify_payments_card_in_person",
+  "shopify_payments_card_in_person_grow",
+  "shopify_payments_card_in_person_advanced",
+  "shopify_payments_card_in_person_plus",
+  "square_card_in_person_square_plus",
+  "square_card_in_person_square_premium",
+  "lightspeed_card_in_person",
+  "sumup_card_in_person",
+  "paypal_pos_card_in_person",
+  "stripe_tap_to_pay",
+  "stripe_terminal",
+  "square_in_person",
+  "helcim_in_person",
+  "quickbooks_payments_invoice_ach",
+  "freshbooks_invoice_ach",
+  "wave_invoice_ach",
+  "xero_invoice_ach",
+  "xero_bank_transfer",
+  "gocardless_ach_debit",
+  "zoho_payments_ach_debit",
+  "bill_com_invoice_ach",
+  "honeybook_invoice_ach",
+  "bonsai_invoice_ach",
+  "jobber_invoice_ach",
+  "housecall_pro_invoice_ach",
+  "melio_ach",
+  "stripe_ach",
+  "helcim_ach",
+  "square_ach",
+  "paypal_ach",
+  "zelle_business",
+  "wise_business_bank",
+  "payoneer_bank",
+  "venmo_business",
+  "cash_app_business",
+  "paypal_gs",
+  "square_card_online_square_plus",
+  "squarespace_payments_card_online_core",
+  "squarespace_payments_card_in_person_core"
+]
  2. Changed1 schema field changed
    • changedInput schema / properties / current_route / enum
      Previous value: -[
-  "stripe_card",
-  "square_card",
-  "paypal_checkout",
-  "paypal_card",
-  "helcim_card",
-  "melio_card",
-  "shopify_card",
-  "stripe_terminal",
-  "square_in_person",
-  "helcim_in_person",
-  "melio_ach",
-  "stripe_ach",
-  "helcim_ach",
-  "square_ach",
-  "paypal_ach",
-  "zelle_business",
-  "wise_business_bank",
-  "payoneer_bank",
-  "venmo_business",
-  "cash_app_business",
-  "paypal_gs"
-]New value: +[
+  "quickbooks_payments_invoice_card",
+  "quickbooks_payments_desktop_invoice_card",
+  "freshbooks_invoice_card",
+  "wave_invoice_card",
+  "xero_invoice_card",
+  "zoho_payments_card_online",
+  "bill_com_invoice_card",
+  "honeybook_invoice_card",
+  "bonsai_invoice_card",
+  "housecall_pro_invoice_card",
+  "godaddy_payments_card_online",
+  "godaddy_payments_invoice_card",
+  "wix_payments_card_online",
+  "squarespace_payments_card_online",
+  "squarespace_payments_card_online_plus",
+  "squarespace_payments_card_online_advanced",
+  "square_card_online",
+  "square_card_online_square_premium",
+  "sumup_invoice_card",
+  "paypal_invoice_card",
+  "airwallex_card_online",
+  "squarespace_payments_card_online_core",
+  "square_card_online_square_plus",
+  "stripe_card",
+  "square_card",
+  "paypal_checkout",
+  "paypal_card",
+  "helcim_card",
+  "melio_card",
+  "shopify_card",
+  "quickbooks_payments_card_in_person",
+  "xero_card_in_person",
+  "jobber_card_in_person",
+  "housecall_pro_card_in_person",
+  "clover_card_in_person_retail_growth",
+  "godaddy_payments_card_in_person",
+  "wix_payments_card_in_person",
+  "wix_payments_tap_to_pay",
+  "squarespace_payments_card_in_person",
+  "shopify_payments_card_in_person",
+  "shopify_payments_card_in_person_grow",
+  "shopify_payments_card_in_person_advanced",
+  "shopify_payments_card_in_person_plus",
+  "square_card_in_person_square_plus",
+  "square_card_in_person_square_premium",
+  "lightspeed_card_in_person",
+  "sumup_card_in_person",
+  "paypal_pos_card_in_person",
+  "stripe_tap_to_pay",
+  "squarespace_payments_card_in_person_core",
+  "stripe_terminal",
+  "square_in_person",
+  "helcim_in_person",
+  "quickbooks_payments_invoice_ach",
+  "freshbooks_invoice_ach",
+  "wave_invoice_ach",
+  "xero_invoice_ach",
+  "xero_bank_transfer",
+  "gocardless_ach_debit",
+  "zoho_payments_ach_debit",
+  "bill_com_invoice_ach",
+  "honeybook_invoice_ach",
+  "bonsai_invoice_ach",
+  "jobber_invoice_ach",
+  "housecall_pro_invoice_ach",
+  "melio_ach",
+  "stripe_ach",
+  "helcim_ach",
+  "square_ach",
+  "paypal_ach",
+  "zelle_business",
+  "wise_business_bank",
+  "payoneer_bank",
+  "venmo_business",
+  "cash_app_business",
+  "paypal_gs"
+]
  3. Changed1 schema field changed
    • addedInput schema / properties / fresh
      Added value: +{
+  "default": 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.",
+  "type": "boolean"
+}
  4. First observed

TDQS

A4.4/5.0
Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With no annotations, the description carries the full burden and does well: it discloses the return shape (provider, method, fee, net, setup, exact-vs-estimate), the data provenance (providers' own pricing pages, dated), and the scope limit (US only). It omits auth/quota context and whether the call is purely a computation, though the 'estimate' flag and dated-pricing note cover the main trust concerns.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Front-loaded with the usage trigger, then inputs, then output shape, then a concrete example, then provenance — a logical order with little waste. It is dense and slightly long, but each sentence (including the example) carries information an agent would otherwise have to guess.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

There is no output schema, so the description must describe returns, and it does so thoroughly, including the exact-vs-estimate distinction and the savings delta. Combined with full schema coverage on the five parameters, an agent has everything needed to call this correctly.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100%, so baseline is 3, but the description adds real meaning: "Pass current_route to get the saving per payment and per year" explains the enum's purpose better than the schema's terse "to compute savings," and "Give the amount and how the payer can pay" frames the two driving inputs. The `fresh` parameter's tradeoff is only documented in the schema, not the description.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

States a specific verb and resource: rank every payment route by fee, cheapest first, for a given amount and payer method. The ranked-output framing plus the concrete fee example makes it distinguishable from sibling lookups like get_fees or compare_send_money without opening the schema.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

"Ask this before the owner invoices or accepts a payment, or when they wonder if they overpay in fees" gives a clear triggering context. However, it never names the sibling alternatives (get_fees, explain_fees, compare_send_money) or says when this tool is the wrong choice, so routing between siblings is still partly inferential.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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