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PaidRouter

by com.paidrouter
OverviewDiscussionsAdmin

Report an observed fee

report_observed_fee

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.

Tool call template

Replace each placeholder with a value matching the input schema. Only required parameters are included; add optional parameters as needed.

{
  "id": 1,
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "arguments": {
      "route": "<route>",
      "amount": "<amount>",
      "fee_charged": "<fee_charged>",
      "charged_on": "<charged_on>"
    },
    "name": "report_observed_fee"
  }
}

Input Schema

NameRequiredDescriptionDefault
routeYesRoute id, e.g. stripe_card, paypal_checkout, venmo_business
amountYesPayment amount in USD
extrasNoAnything the statement says about the fee, e.g. 'international card', 'promo rate'. Not stored.
charged_onYesYYYY-MM-DD
fee_chargedYesFee the provider took on that payment, USD

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed1 schema field changed
    • changedInput schema / properties / 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 / 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. Added

TDQS

A3.9/5.0
Behavior4/5

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

With no annotations, the description does useful work: it explains the returned comparison categories, that each report informs PaidRouter's fee comparison data, that payer information should not be sent, and that there is a 100-reports-per-key daily limit. It still does not cover authentication requirements, duplicate-report handling, or whether reports can be corrected.

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?

The description is front-loaded with the trigger and required inputs, then moves to outputs, use case, side effect, privacy, and rate limit. It is longer than a minimal definition but each sentence contributes useful context.

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

Completeness4/5

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

For a five-parameter reporting tool with no annotations and no output schema, the description covers the key behavior, return values, privacy constraint, and rate limit. It is largely complete, though it could say more about error cases or duplicate submission behavior.

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

Parameters3/5

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

Schema description coverage is 100%, so the schema already documents the parameters well. The description reinforces the required numbers but does not add much beyond the schema, and it omits the optional `extras` field entirely.

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

Purpose4/5

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

The description states a specific action: submitting an observed card/payment fee for a route, amount, fee charged, and date, and receiving a published-fee comparison. It is clear what the tool does, but it does not explicitly distinguish itself from siblings such as explain_fees, get_fees, or my_effective_rate.

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?

It gives a clear triggering condition: use when the owner was charged a fee and the agent can see it in a payment detail or statement. It also states the practical use case ('was I overcharged?'), but it does not name alternatives or explicitly say when not to use it.

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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