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collinsb1

Mercury Enhanced MCP

by collinsb1

get_recipient

Retrieve full details of a payment recipient by ID, including name, emails, status, default payment method, and ACH, wire, and RTP routing information.

Instructions

Retrieve full details of a specific payment recipient by their ID. Returns name, nickname, emails, defaultPaymentMethod, status, dateLastPaid, isBusiness, and all routing details (ACH, domestic wire, international wire, RTP).

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
recipientIdYesThe Mercury recipient UUID.

Schema Changelog

Changes observed during successful MCP inspections.

  1. First observedv1.0.0

TDQS

B3.4/5.0
Behavior3/5

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

No annotations, so description carries the burden. It enumerates the returned fields, functioning as a return-value disclosure. However no permissions, rate limits, or read-only semantics are stated. Partial coverage.

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?

Two efficient sentences, front-loaded with purpose then return contents. The field enumeration is borderline verbose but serves a purpose without an output schema.

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

Completeness3/5

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

No output schema, so listing return fields is valuable and compensates well. But guidance on usage, error conditions (invalid ID), and behavioral traits are missing for an otherwise simple lookup.

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 coverage is 100% and the single parameter (recipientId) is fully described as a UUID in the schema. Description adds nothing beyond the schema's parameter documentation, so baseline 3 is appropriate.

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 (retrieve) and resource (payment recipient) with a clear scope qualifier (by their ID). Distinguishes from the sibling list/get_recipients which handles collections.

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

Usage Guidelines2/5

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

No guidance on when to use this vs get_recipients or list_transactions. The 'by their ID' phrasing implies single-record retrieval but no explicit when-to-use or exclusion criteria are given.

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