pain001-mcp

Validate records against schema

validate_records

Read-onlyIdempotent

Validate flat payment records against a selected ISO 20022 pain message JSON Schema before generating XML, returning per-record structural and type errors.

Instructions

Validate flat records against a message type's input JSON Schema.

Use this before ``generate_message`` to catch structural/type errors
per record and get a row-by-row error report. This checks JSON-Schema
shape only; for payment-scheme rulebook checks (SEPA field lengths,
charset, etc.) also run ``validate_payment_scheme``.

Returns a report ``{"valid": bool, "total": int, "valid_count": int,
"errors": [...]}``.

Args:
    message_type: A supported ISO 20022 pain message type.
    records: One or more flat payment records to validate.

Input Schema

TableJSON Schema

Name	Required	Description	Default
`records`	Yes	One or more flat payment records to validate, each a dict of field name → value (see get_input_schema for the fields and get_required_fields for the mandatory ones).
`message_type`	Yes	A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.001.001.13', 'pain.008.001.02', 'pain.008.001.08', 'pain.001', 'pain.008' (see list_message_types). The bare family names 'pain.001' and 'pain.008' are accepted as aliases for 'pain.001.001.09' and 'pain.008.001.02'.

Schema Changelog

Changes observed during successful MCP inspections.

Changed2 schema fields changedv0.0.67Sep 12, 2026

changedInput schema / properties / message_type / description

Previous value: -"A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.001.001.13', 'pain.008.001.02', 'pain.001', 'pain.008' (see list_message_types). The bare family names 'pain.001' and 'pain.008' are accepted as aliases for 'pain.001.001.09' and 'pain.008.001.02'."New value: +"A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.001.001.13', 'pain.008.001.02', 'pain.008.001.08', 'pain.001', 'pain.008' (see list_message_types). The bare family names 'pain.001' and 'pain.008' are accepted as aliases for 'pain.001.001.09' and 'pain.008.001.02'."

changedInput schema / properties / message_type / enum

Previous value: -[
-  "pain.001.001.03",
-  "pain.001.001.04",
-  "pain.001.001.05",
-  "pain.001.001.06",
-  "pain.001.001.07",
-  "pain.001.001.08",
-  "pain.001.001.09",
-  "pain.001.001.10",
-  "pain.001.001.11",
-  "pain.001.001.12",
-  "pain.001.001.13",
-  "pain.008.001.02",
-  "pain.001",
-  "pain.008"
-]New value: +[
+  "pain.001.001.03",
+  "pain.001.001.04",
+  "pain.001.001.05",
+  "pain.001.001.06",
+  "pain.001.001.07",
+  "pain.001.001.08",
+  "pain.001.001.09",
+  "pain.001.001.10",
+  "pain.001.001.11",
+  "pain.001.001.12",
+  "pain.001.001.13",
+  "pain.008.001.02",
+  "pain.008.001.08",
+  "pain.001",
+  "pain.008"
+]

Changed2 schema fields changedJul 29, 2026

changedInput schema / properties / message_type / description

Previous value: -"A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.008.001.02', 'pain.001', 'pain.008' (see list_message_types). The bare family names 'pain.001' and 'pain.008' are accepted as aliases for 'pain.001.001.09' and 'pain.008.001.02'."New value: +"A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.001.001.13', 'pain.008.001.02', 'pain.001', 'pain.008' (see list_message_types). The bare family names 'pain.001' and 'pain.008' are accepted as aliases for 'pain.001.001.09' and 'pain.008.001.02'."

changedInput schema / properties / message_type / enum

Previous value: -[
-  "pain.001.001.03",
-  "pain.001.001.04",
-  "pain.001.001.05",
-  "pain.001.001.06",
-  "pain.001.001.07",
-  "pain.001.001.08",
-  "pain.001.001.09",
-  "pain.001.001.10",
-  "pain.001.001.11",
-  "pain.001.001.12",
-  "pain.008.001.02",
-  "pain.001",
-  "pain.008"
-]New value: +[
+  "pain.001.001.03",
+  "pain.001.001.04",
+  "pain.001.001.05",
+  "pain.001.001.06",
+  "pain.001.001.07",
+  "pain.001.001.08",
+  "pain.001.001.09",
+  "pain.001.001.10",
+  "pain.001.001.11",
+  "pain.001.001.12",
+  "pain.001.001.13",
+  "pain.008.001.02",
+  "pain.001",
+  "pain.008"
+]

Addedv0.0.60Jul 18, 2026
RemovedJul 18, 2026

Changed2 schema fields changedJul 17, 2026

changedInput schema / properties / message_type / description

Previous value: -"A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.008.001.02' (see list_message_types)."New value: +"A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.008.001.02', 'pain.001', 'pain.008' (see list_message_types). The bare family names 'pain.001' and 'pain.008' are accepted as aliases for 'pain.001.001.09' and 'pain.008.001.02'."

changedInput schema / properties / message_type / enum

Previous value: -[
-  "pain.001.001.03",
-  "pain.001.001.04",
-  "pain.001.001.05",
-  "pain.001.001.06",
-  "pain.001.001.07",
-  "pain.001.001.08",
-  "pain.001.001.09",
-  "pain.001.001.10",
-  "pain.001.001.11",
-  "pain.001.001.12",
-  "pain.008.001.02"
-]New value: +[
+  "pain.001.001.03",
+  "pain.001.001.04",
+  "pain.001.001.05",
+  "pain.001.001.06",
+  "pain.001.001.07",
+  "pain.001.001.08",
+  "pain.001.001.09",
+  "pain.001.001.10",
+  "pain.001.001.11",
+  "pain.001.001.12",
+  "pain.008.001.02",
+  "pain.001",
+  "pain.008"
+]

Changed2 schema fields changedv0.0.57Jul 10, 2026

changedInput schema / properties / message_type / description

Previous value: -"A supported ISO 20022 pain message type whose input JSON Schema the records are checked against, e.g. 'pain.001.001.09' — see list_message_types."New value: +"A supported ISO 20022 pain message type. Must be exactly one of: 'pain.001.001.03', 'pain.001.001.04', 'pain.001.001.05', 'pain.001.001.06', 'pain.001.001.07', 'pain.001.001.08', 'pain.001.001.09', 'pain.001.001.10', 'pain.001.001.11', 'pain.001.001.12', 'pain.008.001.02' (see list_message_types)."

addedInput schema / properties / message_type / enum

Added value: +[
+  "pain.001.001.03",
+  "pain.001.001.04",
+  "pain.001.001.05",
+  "pain.001.001.06",
+  "pain.001.001.07",
+  "pain.001.001.08",
+  "pain.001.001.09",
+  "pain.001.001.10",
+  "pain.001.001.11",
+  "pain.001.001.12",
+  "pain.008.001.02"
+]

Changed2 schema fields changedv0.0.56Jul 10, 2026

addedInput schema / properties / message_type / description

Added value: +"A supported ISO 20022 pain message type whose input JSON Schema the records are checked against, e.g. 'pain.001.001.09' — see list_message_types."

addedInput schema / properties / records / description

Added value: +"One or more flat payment records to validate, each a dict of field name → value (see get_input_schema for the fields and get_required_fields for the mandatory ones)."

First observedJul 9, 2026

TDQS

A4.4/5.0

Behavior4/5

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

Annotations already declare readOnly, idempotent, non-destructive, and closed-world, so the safety profile is covered. The description adds genuine behavioral context beyond that: it discloses that checks are JSON-Schema shape only, that a row-by-row error report is produced, and it gives the concrete return payload shape.

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?

Front-loaded with the core purpose, then the when-to-use guidance, then the return shape. The trailing Args section is largely redundant with the schema, costing a little efficiency, but the prose itself is tight and well-ordered.

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?

For a read-only, two-parameter validator with no output schema, the description supplies everything an agent needs: purpose, ordering relative to generate_message, scope limits, and an explicit return schema shape. No material gap remains.

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 description coverage is 100% and the schema's parameter descriptions (including the enum aliasing note) are richer than the terse Args block, which merely restates 'message_type' and 'records'. Baseline 3 is appropriate since the schema carries the semantic load and the description adds no format or example detail.

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 and resource ('Validate flat records against a message type's input JSON Schema') and immediately bounds the scope to structural/type checking per record. It clearly distinguishes itself from sibling validation tools like validate_payment_scheme and validate_xml_against_schema.

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?

Explicitly tells the agent when to use it ('before generate_message to catch structural/type errors') and names the alternative plus its condition ('for payment-scheme rulebook checks ... also run validate_payment_scheme'). Both the intended workflow position and the exclusion boundary are stated.

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

Validate records against schema

Instructions

Input Schema

Schema Changelog

TDQS

Other Tools