Skip to main content
Glama

BTGPactual MCP

by io.github.mcp-dir

openfinance_get_credit_card_bill

Read-onlyIdempotent

Returns bill-level detail for one or more credit card bills by id (GET /bills/:id): dueDate, billClosingDate (when the cycle closed — the boundary that defines which purchases belong to this bill), totalAmount, financeCharges and payments[] (id, paymentDate, amount, valueType, paymentMode). ITEMIZED PURCHASES (OPT-IN): the bank's bill payload has no transactions in it — they live on the card ACCOUNT. Pass include_transactions:true (plus account_id of the credit card, since the bill itself carries no account reference) and each row also gets transactions[], transactions_count, transactions_sum and reconciles_with_total, already matched to that bill. Always check transactions_basis: bill_id = exact (the bank tagged each transaction with this bill — the normal case for CLOSED bills), date_window = ESTIMATE (confidence:'low', window echoed in transactions_window) used when the connector tags no billId or the bill is still open (PENDING lines get no billId until the cycle closes), unavailable = no link possible. Opt-in because it costs an extra full transaction scan of the account. Whatever the basis, the bill's own totalAmount is authoritative — do NOT rebuild it by summing transactions. Without the opt-in the response carries a transactions_hint; you can also fetch them yourself via openfinance_list_transactions with the credit card account_id and a from/to range ending at billClosingDate. Pass bill_ids as an array — use openfinance_list_credit_card_bills first to discover ids. { results, errors } batch shape. NOTE: Pluggy does NOT return a paid/status field. In Brazilian Open Finance, payments[] reflects payments registered during THIS bill's billing cycle — typically the payment of the PREVIOUS bill (do NOT assume this bill was paid just because payments[] is non-empty). To check paid status, prefer openfinance_list_credit_card_bills which derives payment_status via cross-bill match.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
bill_idsYes
account_idNo
transactions_detailNo
include_transactionsNo

Schema Changelog

Changes observed during successful MCP inspections. Dates show when Glama detected each change.

  1. Added
  2. Removed
  3. Added
  4. Removed
  5. Added
  6. Removed
  7. Added
  8. Removed
  9. Added
  10. Removed
  11. Added
  12. Removed
  13. Changed3 schema fields changed
    • addedInput schema / properties / account_id
      Added value: +{
+  "type": "string"
+}
    • addedInput schema / properties / include_transactions
      Added value: +{
+  "type": "boolean"
+}
    • addedInput schema / properties / transactions_detail
      Added value: +{
+  "enum": [
+    "compact",
+    "rich",
+    "raw"
+  ],
+  "type": "string"
+}
  14. Added
  15. Removed
  16. First observed

TDQS

A4.7/5.0
Behavior5/5

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

Even with readOnlyHint annotations, the description adds substantial real-world behavior: the bill payload has no transactions, transactions must be optioned in, transaction_basis may be exact or estimated, open-bill transactions are unreliable, totalAmount is authoritative, and Pluggy does not return a paid field. These are exactly the hidden behaviors an agent needs to know before calling.

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 dense and well-structured, front-loading the core fields before moving to opt-in transactions, matching basis, caveats, and alternatives. Its length is justified by the domain complexity, though there is minor redundancy (openingfinance_list_transactions is recommended twice, and closed-bill reliability is repeated).

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?

With no output schema, the description does a strong job of explaining return value shape, matching behavior, batch errors, and payment semantics. The only material gap is the undocumented transactions_detail parameter and its effect on response detail, which prevents perfect completeness.

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 0%, so the description carries the load. It explains bill_ids, account_id, and include_transactions, including how they interact. However, the transactions_detail enum (compact/rich/raw) is never explained, leaving that param ambiguous.

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 states a precise verb and resource: 'Returns bill-level detail for one or more credit card bills by id (GET /bills/:id)' and follows with the actual returned fields. It clearly distinguishes this from sibling list and transaction tools by scoping it to bill-level detail rather than account transactions.

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

Usage Guidelines5/5

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

The description explicitly tells the agent when to use this tool, what to use first ('openfinance_list_credit_card_bills to discover ids'), and when to prefer alternatives: 'prefer openfinance_list_transactions' for transactions, and 'prefer openfinance_list_credit_card_bills' for paid status. It also prevents misuse by warning that payments[] does not prove payment.

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

All BTGPactual MCP toolsInspect
Try in Browser
RayrunBuild, deploy, and operate MCP servers without becoming an infrastructure team.ray.runAd

Glama MCP Gateway

Add one secure layer between your agents and this server.

TDQS

A3.9/5.0
Disambiguation4/5

The openfinance_* family is well-decomposed by resource (accounts, transactions, bills, investments, loans, connections) and by action (list, get, update, sync, disconnect), and the highly detailed descriptions make each tool's boundaries clear. A few pairs can be confused at a glance (list_accounts vs. get_account_balance, list_transactions vs. list_transactions_by_item, connect vs. toolkit_info), but the semantics are ultimately distinguishable.

Naming Consistency3/5

The openfinance_* group follows a strong and consistent verb_noun pattern (list_transactions, get_item_status, force_sync). However, the platform-level tools are a mixed bag—authenticate, connect, marketplace, toolkit_info, show_version, report_bug—so there is no single predictable naming scheme across the whole server.

Tool Count3/5

At 25 tools, the server is at the heavy/borderline boundary, though most of the surface area is genuinely needed for Open Finance reads and connection lifecycle management. Some functions overlap (list_accounts returns balances that get_account_balance also exposes), making the set feel slightly bloated and closer to a two-in-one platform (Open Finance + marketplace).

Completeness4/5

The server covers the full Open Finance discovery and connectivity lifecycle: search, reconnect, force sync, provider health, accounts, transactions, credit cards, investments, loans, and category correction. Gaps like initiating a new connection or executing financial movements are handled through connect URLs rather than direct tools, so the unavoidable dead-end is likely workable and the core read/aggregate domain is well covered.

Resources