99Pay MCP: tool descriptions scored io.github.mcp-dir/99pay-mcp

tools/list taken: 2026-11-02 (UTC)
From: Official MCP Registry
Connected to: https://api.mcp.ai/p_99pay
Repository: github.com/mcp-dir/99pay-mcp
Scoring rules: v2
Removal: support@forecall.dev

Scores, issues and names only

This page shows how 99Pay MCP (io.github.mcp-dir/99pay-mcp)'s tool descriptions scored, the issues found and the names of its tools and parameters. The descriptions are the server's own: read them where the copy came from.

Forecall asked the URL this server lists in the official MCP Registry for its tools/list once, on the date above, without calling any tool. The server may have changed since.

servers/io.github.mcp-dir/99pay-mcp

Average score: 54.4 / 100Cloudy
Tools: 25
Near-identical descriptions: 0

Across the server

No server-wide issues.

Tools

report_bug

30 / 100Rain

Purpose: 17 / 20
When to use: 0 / 20
Arguments: 6 / 25
Return value: 0 / 15
Constraints and side effects: 7 / 10
Examples: 0 / 10

Major
Says nothing about when to use it, or when not to.no_usage_context
Major
Arguments without a description: message, context, conversation.param_no_description
Minor
String arguments with no constraint or example: message.loose_string_param
Minor
Says nothing about what it returns.no_return_info

openfinance_disconnect_bank

34 / 100Rain

Purpose: 17 / 20
When to use: 0 / 20
Arguments: 3 / 25
Return value: 7 / 15
Constraints and side effects: 7 / 10
Examples: 0 / 10

Major
Says nothing about when to use it, or when not to.no_usage_context
Major
Arguments without a description: item.param_no_description
Minor
String arguments with no constraint or example: item.loose_string_param

authenticate

37 / 100Rain

Purpose: 17 / 20
When to use: 5 / 20
Arguments: 0 / 25
Return value: 0 / 15
Constraints and side effects: 10 / 10
Examples: 5 / 10

Major
Arguments without a description: token.param_no_description
Minor
String arguments with no constraint or example: token.loose_string_param
Minor
No `required` list, so every argument is optional.no_required
Minor
Says nothing about what it returns.no_return_info

show_version

38 / 100Rain

Purpose: 6 / 20
When to use: 0 / 20
Arguments: 25 / 25
Return value: 0 / 15
Constraints and side effects: 7 / 10
Examples: 0 / 10

Major
The description only restates the name (8 words).restates_name
Major
Says nothing about when to use it, or when not to.no_usage_context
Minor
Says nothing about what it returns.no_return_info

openfinance_get_item_status

39 / 100Rain

Purpose: 17 / 20
When to use: 0 / 20
Arguments: 0 / 25
Return value: 7 / 15
Constraints and side effects: 10 / 10
Examples: 5 / 10

Major
Says nothing about when to use it, or when not to.no_usage_context
Major
Arguments without a description: item, item_id, item_ids.param_no_description
Minor
String arguments with no constraint or example: item, item_id.loose_string_param
Minor
No `required` list, so every argument is optional.no_required

openfinance_list_investment_transactions

44 / 100Cloudy

Purpose: 17 / 20
When to use: 5 / 20
Arguments: 3 / 25
Return value: 7 / 15
Constraints and side effects: 7 / 10
Examples: 5 / 10

Major
Arguments without a description: investment_id, page, page_size, investment_ids.param_no_description
Minor
String arguments with no constraint or example: investment_id.loose_string_param
Minor
Required identifiers whose description does not say where the value comes from: investment_id. Name the tool or the place that returns it, or models look it up first.id_source_missing

openfinance_list_loans

44 / 100Cloudy

Purpose: 17 / 20
When to use: 0 / 20
Arguments: 5 / 25
Return value: 7 / 15
Constraints and side effects: 10 / 10
Examples: 5 / 10

Major
Says nothing about when to use it, or when not to.no_usage_context
Major
Arguments without a description: items.param_no_description
Minor
No `required` list, so every argument is optional.no_required

openfinance_get_loan_detail

49 / 100Cloudy

Purpose: 17 / 20
When to use: 5 / 20
Arguments: 8 / 25
Return value: 7 / 15
Constraints and side effects: 7 / 10
Examples: 5 / 10

Major
Arguments without a description: loan_ids.param_no_description
Minor
Required identifiers whose description does not say where the value comes from: loan_ids. Name the tool or the place that returns it, or models look it up first.id_source_missing

openfinance_update_transaction_category

49 / 100Cloudy

Purpose: 17 / 20
When to use: 10 / 20
Arguments: 3 / 25
Return value: 7 / 15
Constraints and side effects: 7 / 10
Examples: 5 / 10

Major
Arguments without a description: items, items[].transaction_id, items[].category_id.param_no_description
Minor
String arguments with no constraint or example: items[].transaction_id, items[].category_id.loose_string_param

toolkit_info

53 / 100Cloudy

Purpose: 14 / 20
When to use: 0 / 20
Arguments: 25 / 25
Return value: 7 / 15
Constraints and side effects: 7 / 10
Examples: 0 / 10

Major
Says nothing about when to use it, or when not to.no_usage_context

openfinance_list_transactions_by_item

56 / 100Cloudy

Purpose: 17 / 20
When to use: 15 / 20
Arguments: 2 / 25
Return value: 7 / 15
Constraints and side effects: 10 / 10
Examples: 5 / 10

Major
Arguments without a description: item, item_id, from, to, type, granularity, top_n, detail, item_ids.param_no_description
Minor
String arguments with no constraint or example: item, item_id, from, to.loose_string_param
Minor
No `required` list, so every argument is optional.no_required

openfinance_get_accounts_detail

57 / 100Cloudy

Purpose: 17 / 20
When to use: 10 / 20
Arguments: 8 / 25
Return value: 7 / 15
Constraints and side effects: 10 / 10
Examples: 5 / 10

Major
Arguments without a description: account_ids.param_no_description
Minor
Required identifiers whose description does not say where the value comes from: account_ids. Name the tool or the place that returns it, or models look it up first.id_source_missing

openfinance_list_investments

58 / 100Cloudy

Purpose: 17 / 20
When to use: 20 / 20
Arguments: 2 / 25
Return value: 7 / 15
Constraints and side effects: 7 / 10
Examples: 5 / 10

Major
Arguments without a description: item, item_id, type, page, page_size, item_ids.param_no_description
Minor
String arguments with no constraint or example: item, item_id.loose_string_param
Minor
No `required` list, so every argument is optional.no_required

openfinance_force_sync

59 / 100Cloudy

Purpose: 17 / 20
When to use: 15 / 20
Arguments: 5 / 25
Return value: 7 / 15
Constraints and side effects: 10 / 10
Examples: 5 / 10

Major
Arguments without a description: items, wait.param_no_description
Minor
No `required` list, so every argument is optional.no_required
Minor
The meaning of the boolean argument wait is unclear.vague_boolean

openfinance_list_accounts

61 / 100Cloudy

Purpose: 17 / 20
When to use: 20 / 20
Arguments: 2 / 25
Return value: 7 / 15
Constraints and side effects: 10 / 10
Examples: 5 / 10

Major
Arguments without a description: item, item_id, type, item_ids.param_no_description
Minor
The description is long (464 words). It helps selection but costs steps and tokens.too_long
Minor
String arguments with no constraint or example: item, item_id.loose_string_param
Minor
No `required` list, so every argument is optional.no_required

openfinance_search_bank_connectors

61 / 100Cloudy

Purpose: 17 / 20
When to use: 20 / 20
Arguments: 5 / 25
Return value: 7 / 15
Constraints and side effects: 7 / 10
Examples: 5 / 10

Major
Arguments without a description: keywords, include_accounts.param_no_description
Minor
No `required` list, so every argument is optional.no_required
Minor
The meaning of the boolean argument include_accounts is unclear.vague_boolean

openfinance_get_account_balance

62 / 100Cloudy

Purpose: 17 / 20
When to use: 15 / 20
Arguments: 8 / 25
Return value: 7 / 15
Constraints and side effects: 10 / 10
Examples: 5 / 10

Major
Arguments without a description: account_ids.param_no_description

openfinance_list_credit_card_bills

62 / 100Cloudy

Purpose: 17 / 20
When to use: 20 / 20
Arguments: 3 / 25
Return value: 7 / 15
Constraints and side effects: 10 / 10
Examples: 5 / 10

Major
Arguments without a description: account_id, page, page_size, include_open_bill, account_ids.param_no_description
Minor
The description is long (552 words). It helps selection but costs steps and tokens.too_long
Minor
String arguments with no constraint or example: account_id.loose_string_param
Minor
The meaning of the boolean argument include_open_bill is unclear.vague_boolean

openfinance_list_transactions

63 / 100Cloudy

Purpose: 17 / 20
When to use: 20 / 20
Arguments: 4 / 25
Return value: 7 / 15
Constraints and side effects: 10 / 10
Examples: 5 / 10

Major
Arguments without a description: account_id, from, to, page, page_size, search_queries, detail, account_ids.param_no_description
Minor
The description is long (749 words). It helps selection but costs steps and tokens.too_long
Minor
String arguments with no constraint or example: account_id, from, to.loose_string_param

connect

64 / 100Cloudy

Purpose: 17 / 20
When to use: 5 / 20
Arguments: 25 / 25
Return value: 7 / 15
Constraints and side effects: 10 / 10
Examples: 0 / 10

No issues.

marketplace

64 / 100Cloudy

Purpose: 17 / 20
When to use: 20 / 20
Arguments: 5 / 25
Return value: 7 / 15
Constraints and side effects: 10 / 10
Examples: 5 / 10

Major
Arguments without a description: action, query, mcp_id, limit, tier_slug, immediate, cancel_reason, cancel_comment, message, report_context, conversation, request_name, request_details, tool_id, arguments, prompt_slug, prompt_vars, prompt_category, prompt_tool, prompt_title, prompt_description, prompt_body, prompt_targets.param_no_description
Minor
No `required` list, so every argument is optional.no_required
Minor
The meaning of the boolean argument immediate is unclear.vague_boolean

openfinance_get_credit_card_bill

64 / 100Cloudy

Purpose: 17 / 20
When to use: 20 / 20
Arguments: 5 / 25
Return value: 7 / 15
Constraints and side effects: 10 / 10
Examples: 5 / 10

Major
Arguments without a description: bill_ids, include_transactions, account_id, transactions_detail.param_no_description
Minor
String arguments with no constraint or example: account_id.loose_string_param
Minor
The meaning of the boolean argument include_transactions is unclear.vague_boolean

openfinance_provider_status

66 / 100Cloudy

Purpose: 17 / 20
When to use: 5 / 20
Arguments: 25 / 25
Return value: 7 / 15
Constraints and side effects: 7 / 10
Examples: 5 / 10

No issues.

openfinance_list_categories

71 / 100Clear

Purpose: 17 / 20
When to use: 10 / 20
Arguments: 25 / 25
Return value: 7 / 15
Constraints and side effects: 7 / 10
Examples: 5 / 10

No issues.

openfinance_list_connections

74 / 100Clear

Purpose: 17 / 20
When to use: 15 / 20
Arguments: 25 / 25
Return value: 7 / 15
Constraints and side effects: 10 / 10
Examples: 0 / 10

No issues.

What static scoring cannot tell

This score reads only the text of each description and schema: it says what is written, not what a model will do. Short tools whose names already say what they do, such as browser_close, score low here even when models use them well, and in our measurements current models chose the right tool in one step even from one-line descriptions, as long as the names and schemas differed. What the text cannot show, such as what happens over several steps and whether an added sentence helps or misleads, is what an evaluation measures, on the Pro and Team plans.

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