payme-mcp

Server Quality Checklist

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Latest release: v1.0.1
Disambiguation4/5
Tools are mostly distinct in purpose, but 'check_perform_transaction' and 'check_transaction' could be confused if descriptions are not read carefully. Overall, each tool targets a specific action.
Naming Consistency5/5
All tool names follow a consistent verb_noun pattern in snake_case (e.g., cancel_transaction, create_payment_link). No mixing of conventions.
Tool Count5/5
8 tools cover the essential payment lifecycle (create, validate, perform, cancel, status, balance, statement, payment link) without being excessive or insufficient.
Completeness4/5
Core payment operations are covered, but missing refund or void capabilities. The surface is functional for basic workflows but has minor gaps.
Average 2.8/5 across 8 of 8 tools scored.
See the Tool Scores section below for per-tool breakdowns.
- No community issues in the last 6 months
- 0 commits in the last 12 weeks
- No stable releases found
- No critical vulnerability alerts
- No high-severity vulnerability alerts
- No code scanning findings
- CI status not available
This repository is licensed under MIT License.
This repository includes a README.md file.
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How is the quality score calculated?

The overall quality score combines two components: Tool Definition Quality (70%) and Server Coherence (30%).

Tool Definition Quality measures how well each tool describes itself to AI agents. Every tool is scored 1–5 across six dimensions: Purpose Clarity (25%), Usage Guidelines (20%), Behavioral Transparency (20%), Parameter Semantics (15%), Conciseness & Structure (10%), and Contextual Completeness (10%). The server-level definition quality score is calculated as 60% mean TDQS + 40% minimum TDQS, so a single poorly described tool pulls the score down.

Server Coherence evaluates how well the tools work together as a set, scoring four dimensions equally: Disambiguation (can agents tell tools apart?), Naming Consistency, Tool Count Appropriateness, and Completeness (are there gaps in the tool surface?).

Tiers are derived from the overall score: A (≥3.5), B (≥3.0), C (≥2.0), D (≥1.0), F (<1.0). B and above is considered passing.

Tool Scores

Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations exist, so the description carries the full burden. It says 'validate', implying read-only, but does not confirm lack of side effects or disclose what checks are performed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness3/5
Is the description appropriately sized, front-loaded, and free of redundancy?
It is a single sentence, but extremely brief. While concise, it lacks informative front-loading and does not earn its place by adding significant value beyond the name.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the lack of output schema and presence of a nested object param, the description is insufficient. It does not explain return values, error conditions, or validation logic.
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% with descriptions for both parameters. The description adds no additional meaning beyond the schema, e.g., what the 'account' object structure should be or how 'amount' is used in validation.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose3/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description states 'Validate if a transaction can be performed', which clearly indicates a pre-check operation on a transaction. However, it does not distinguish from sibling 'check_transaction', whose purpose may overlap.
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 is provided on when to use this tool versus alternatives like 'check_transaction' or 'perform_transaction'. There is no mention of prerequisites or conditions.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must convey behavioral details, but it only states 'confirm'. It fails to disclose whether the operation is idempotent, irreversible, requires authorization, or what side effects occur (e.g., state change, notification triggers).
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 a single sentence with no extraneous content. While efficient, it could be slightly expanded to improve clarity without losing conciseness.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the complexity of a transaction tool with siblings and no output schema, the description is insufficient. It does not explain prerequisites (e.g., transaction must be in a specific state), return value, or how it fits into the broader workflow.
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 parameter description is present in the schema ('Payme transaction ID'). The description adds no additional meaning beyond what the schema already provides, warranting the baseline score of 3 for high coverage.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose3/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description specifies the verb 'perform' and resource 'transaction' with clarification 'confirm', but it lacks a clear definition of what performing a transaction entails in the transaction lifecycle. It vaguely distinguishes from siblings like cancel_transaction and create_transaction but does not precisely define the action.
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?
The description provides no guidance on when to use this tool versus alternatives such as cancel_transaction or check_transaction. No preconditions or use-cases are mentioned, leaving the agent without context for appropriate invocation.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full burden for behavioral disclosure. It only states the basic action and does not mention any side effects, prerequisites, or return behavior, such as whether the link is sent or returned.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness3/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single sentence, which is concise but lacks important details. It is front-loaded but achieves minimal information density.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool has 3 required parameters, no output schema, and no annotations, the description is insufficient. It does not explain what the tool returns or any other contextual information needed for successful invocation.
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?
The input schema covers all 3 parameters with descriptions, achieving 100% coverage. The description adds no additional meaning beyond the schema, meeting the baseline of 3.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose4/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool generates a Payme checkout payment link, using a specific verb and resource. However, it does not fully distinguish from sibling tools like create_transaction, leaving some ambiguity about when to use this specific tool.
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 is provided on when to use this tool versus alternatives such as create_transaction or perform_transaction. The description lacks context for appropriate usage conditions.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Without annotations, the description bears full responsibility for disclosing behavioral traits. It mentions cancellation with a reason code but does not explain effects, reversibility, authorization needs, or the meaning of reason codes. This lack of detail is a significant gap.
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 a single, efficient sentence. It communicates the essential action without extraneous words, though it could benefit from structured additional context.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the lack of output schema and annotations, the description fails to explain return values, side effects, or the implications of cancellation. For a mutation tool, this is insufficient for complete understanding.
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%, so the baseline is 3. The description adds minimal value by stating 'with a reason code' but does not deepen understanding beyond the schema's parameter descriptions.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose4/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the verb 'cancel' and the resource 'transaction', making the core action evident. However, it does not differentiate from sibling tools like perform_transaction or check_transaction, missing an opportunity to clarify distinct use cases.
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 is provided on when to use this tool versus alternatives. There is no mention of prerequisites, context, or scenarios where cancellation is appropriate, leaving the agent to infer.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are available, so the description must carry the full burden of behavioral disclosure. It does not specify whether this operation is read-only, has side effects, or requires any authorization. The minimal description fails to inform the agent about essential behavioral traits.
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 a single sentence with no wasted words. While concise, it meets the minimum requirement without verbosity. However, it could benefit from slight expansion for clarity.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the simplicity of the tool (one parameter, no output schema, no annotations), the description is too sparse. It does not explain what status values are possible, what the response looks like, or any prerequisites (e.g., transaction must exist). The presence of sibling tools increases the need for differentiation.
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?
The schema covers 100% of parameters, and the only parameter 'transaction_id' already has a description ('Payme transaction ID'). The description adds no additional meaning beyond the schema, earning the baseline score of 3.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose4/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the verb 'check' and resource 'transaction status', making the purpose evident. However, it does not differentiate from the sibling tool 'check_perform_transaction', which might also involve checking.
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 is provided on when to use this tool versus alternatives like 'cancel_transaction' or 'perform_transaction'. The description lacks any contextual cues for selection.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description should disclose behavioral traits like idempotency, side effects, or failure modes. It does not mention any, leaving agents unaware of critical behaviors for a creation tool.
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 a single, front-loaded sentence with no fluff. However, it is almost too brief; a bit more detail would improve structure.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the lack of output schema and annotations, the description should provide more complete context about the Payme transaction protocol and expected behavior. It is insufficient for an agent to fully understand the tool's role.
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%, so the schema already describes parameters. The description adds no extra meaning beyond that, meeting the baseline but not exceeding it.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose4/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the action ('Create') and the resource ('Payme transaction') with the protocol context ('JSON-RPC'), effectively distinguishing it from sibling tools like cancel_transaction or check_transaction.
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 is provided on when to use this tool versus alternatives, such as when a transaction is required versus when to check or perform one. The description lacks context for decision-making.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. It does not state whether the operation is read-only, requires permissions, or has any side effects. This is insufficient for a tool that retrieves data.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single sentence with no wasted words. It is appropriately concise for the information it conveys.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the lack of an output schema and only two parameters, the description is not complete. It does not explain what the returned statement looks like (e.g., list of transactions, summary), nor does it address potential edge cases or error conditions.
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?
The input schema already provides 100% coverage for parameter descriptions (from_timestamp and to_timestamp as number in milliseconds). The tool description adds no additional semantic meaning beyond the schema, so a baseline score of 3 is appropriate.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose4/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool gets a transaction statement for a time period. It uses a specific verb and resource, but does not differentiate from sibling tools like check_transaction or get_merchant_balance. The meaning of 'statement' could be more precise.
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 is given on when to use this tool versus siblings. The description does not mention any prerequisites, exclusions, or context for when this tool is appropriate.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations provided. Description lacks details on whether the balance is real-time, pending vs available, or if any auth is required. Single sentence does not disclose behavior beyond the basic action.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
Extremely concise single sentence. No waste of characters. Front-loaded with essential information.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given no output schema or annotations, description should compensate. It does not specify return format or what 'balance' includes (available, pending, etc.). Lacks completeness for a tool with no other documentation.
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?
Input schema has no parameters, so schema coverage is 100%. Description adds no parameter info, but with zero parameters this is acceptable. Baseline 4 for 0-param tools.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose4/5
Does the description clearly state what the tool does and how it differs from similar tools?
Description clearly states it gets merchant account balance (verb+resource). However, it does not differentiate from sibling tools like 'get_statement' which might also provide balance information.
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 tool versus alternatives. Given siblings like 'get_statement' and 'check_transaction', an agent needs more context to choose correctly.
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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