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Porto Bank MCP

by io.github.mcp-dir
OverviewAdmin

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. 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"
+}
  4. Added
  5. Removed
  6. First observed

TDQS

A4.7/5.0
Behavior5/5

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

Even though annotations already mark the operation as read-only, the description discloses important non-obvious behaviors: the Pluggy payload has a no paid-status field, payments[] reflects prior-bill payments rather than the current bill's paid status, transactions_basis can be exact or an estimate, and totalAmount should be trusted over any summed transactions. These go far beyond the annotations.

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 long but dense with valuable caveats and avoids fluff. It front-loads the core response and the opt-in transaction path, then appends warnings and alternatives, but the paragraph structure is somewhat sprawling and could benefit from clearer sectioning.

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?

Given there is no output schema, the description does an excellent job explaining the return values, batch shape, transactions fields, and the comprehensive caveat about paid status. Missing just the transactions_detail parameter's behavioral effect, which is the only notable completeness gap in an otherwise well-rounded definition.

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?

The schema itself has 0% description coverage, so the description must carry the load. It thoroughly explains bill_ids, account_id, and include_transactions, including the relationship between include_transactions and account_id. However, the fourth parameter, transactions_detail, is not mentioned anywhere in the description, leaving its enum options without explanatory context.

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 specific verb and resource ('Returns bill-level detail for one or more credit card bills by id'), names the exact endpoint, and summarizes the key fields returned. It clearly distinguishes itself from the sibling list/fetch tools.

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 agents to use openfinance_list_credit_card_bills first to discover ids, and to prefer that same tool when checking paid status. It also points to openfinance_list_transactions as the alternative for fetching transactions manually, providing clear when-to-use and when-not-to-use guidance.

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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