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99Pay MCP

by io.github.mcp-dir

openfinance_force_sync

Forces the bank to re-sync one or more connections NOW and WAITS for it to finish (PATCH /items/:id, then polls until the item stops updating, up to ~60s). Use this when a balance or transaction list looks stale: a connection can read UPDATED yet be hours old, and this pulls fresh data WITHOUT disconnecting/reconnecting. Pass items as an array of selectors (item_id, connector_id, connector_name, or the user-set custom_label nickname); OMIT items to sync ALL linked banks. Returns { results, errors }; each result has the final status, executionStatus, lastUpdatedAt (advances when data is refreshed), and synced (true = fresh data is ready). needs_action (e.g. MFA_REINTERACTION / LOGIN_ERROR / WAITING_USER_INPUT) means the user must re-authenticate — those results include a reconnect_url that opens the widget in UPDATE mode for that exact connection (user enters credentials / MFA token, data refreshes in place, no slot consumed, no disconnect needed). timed_out: true means the sync is still running — re-check with openfinance_get_item_status. Set wait: false for fire-and-forget (returns immediately while UPDATING).

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
waitNo
itemsNo

TDQS

A4.7/5.0
Behavior5/5

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

Detailed disclosure of sync behavior, polling up to 60s, meanings of status fields, needs_action handling, and reconnect_url. Annotations indicate readOnlyHint: false, consistent with mutation. No contradictions.

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?

Well-structured and front-loaded, but somewhat verbose. Every sentence adds value, but could be slightly more concise for an AI agent. Still effective.

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?

No output schema, but description thoroughly explains return structure (results, errors, fields like status, executionStatus, synced, needs_action, reconnect_url). Covers error scenarios and timeout handling.

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

Parameters5/5

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

Schema has 0% description coverage; description compensates fully: explains items as array of selectors with examples, clarifies omitting items syncs all, explains wait parameter with fire-and-forget behavior.

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?

The description clearly states the tool forces a sync of bank connections and waits for completion. It distinguishes itself from siblings like openfinance_get_item_status by mentioning that tool for re-checking timed-out syncs.

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?

Gives explicit when-to-use (stale balance/transactions) and how to avoid disconnecting. Mentions fire-and-forget option with wait: false. Implicitly references sibling for status checks but doesn't name alternatives directly.

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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TDQS

A4.4/5.0
Disambiguation5/5

Each tool targets a distinct resource and action, with clear separation between general server utilities (authenticate, connect, marketplace) and the openfinance_* family (get/list/search/update per domain). No two tools appear to overlap: list_transactions vs list_transactions_by_item are differentiated by granularity, and get_item_status vs provider_status by scope. The marketplace tool, while broad, is explicitly named and described, so it doesn't cause ambiguity.

Naming Consistency5/5

All 20 openfinance_* tools follow a strict verb_noun snake_case pattern (list_accounts, get_account_balance, force_sync, update_transaction_category, etc.). The five general tools also use snake_case and clear names, maintaining consistency across the set. No mixing of conventions or inconsistent verb styles.

Tool Count4/5

At 25 tools, the set is on the higher end but well-justified for a platform that aggregates Open Finance data and provides a marketplace. The 20 openfinance tools cover distinct banking operations (accounts, transactions, bills, loans, investments, connections, sync, status, search, categories), each addressing a specific need. The 5 general tools handle authentication, connection status, and platform info. No obvious trivial or redundant tools; each earns its place.

Completeness5/5

The tool surface is comprehensive for the stated domain: CRUD-like coverage across financial resources (list/get for accounts, transactions, bills, loans, investments), plus state management (force_sync, disconnect, update_category) and ecosystem support (search_connectors, provider_status, marketplace). It also includes utilities like authenticate, connect, and version/bug reporting. No missing operations that would cause agent failures; the set covers connection lifecycle, data retrieval, and even API diagnostics.

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