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Scored across 7 tools
Each core tool targets a distinct resource and action: payment methods, payments, invoices, and refunds are clearly separated. The api_request escape hatch is explicitly scoped to endpoints not covered by the other tools, so it complements rather than overlaps with them.
Six tools consistently follow the myfatoorah_verb_noun pattern, which is predictable and readable. The only deviation is myfatoorah_api_request, a noun-style escape hatch, which is a minor exception rather than a systemic inconsistency.
Seven tools is well-scoped for a payment-focused server: it covers payment methods, payment creation/retrieval, invoice retrieval, refund creation/retrieval, plus one generic escape hatch. Every tool earns its place, and the count is neither bloated nor too thin.
The set covers the core payment workflow: create payment, check payment status, retrieve invoice, create refund, and check refund status. It lacks explicit cancel/update/list operations, but the api_request escape hatch covers documented endpoints not individually modeled, so agents are not left with a hard dead end.