generated: '2026-09-06'
method: derived
source: openapi/accrue-savings-merchant-api-openapi.yaml
name: Accrue Merchant API — candidate MCP tool surface
status: candidate
deployment:
  mode: none
  auth: api-key
  verified: probed
note: 'Accrue publishes no MCP server. Probed 2026-09-06: mcp.byaccrue.com and mcp.accruesavings.com do
  not resolve; POST https://merchant-api.accruesavings.com/mcp returns the API''s own 404 envelope; docs.byaccrue.com/mcp
  is a Docusaurus 404; no /llms.txt is served. The tools below are DERIVED from the published OpenAPI
  operations and are a candidate surface only — nothing here is running.'
probes:
- url: https://mcp.byaccrue.com/
  result: DNS does not resolve
- url: https://mcp.accruesavings.com/
  result: DNS does not resolve
- url: https://merchant-api.accruesavings.com/mcp
  status: 404
  result: 'NotFoundException: Cannot POST /mcp'
- url: https://docs.byaccrue.com/mcp
  status: 404
  result: Docusaurus 404
- url: https://merchant-api.accruesavings.com/graphql
  status: 404
  result: 'NotFoundException: Cannot POST /graphql — no GraphQL surface'
transport: null
tool_count: 82
tool_groups:
- group: PaymentIntents
  tools:
  - tool: createPaymentIntent
    rest: createPaymentIntent
    method: POST
    path: /api/v1/payment-intents
    summary: Create a Payment Intent
  - tool: listPaymentIntents
    rest: listPaymentIntents
    method: GET
    path: /api/v1/payment-intents
    summary: List Payment Intents
  - tool: getPaymentIntent
    rest: getPaymentIntent
    method: GET
    path: /api/v1/payment-intents/{paymentIntentId}
    summary: Get a Payment Intent
  - tool: authorizePayment
    rest: authorizePayment
    method: POST
    path: /api/v1/payment-intents/{paymentIntentId}/authorize
    summary: Authorize Payment
- group: Payments
  tools:
  - tool: createPayment
    rest: createPayment
    method: POST
    path: /api/v1/payments
    summary: Create Payment
  - tool: listPayments
    rest: listPayments
    method: GET
    path: /api/v1/payments
    summary: List Payments
  - tool: getPayment
    rest: getPayment
    method: GET
    path: /api/v1/payments/{paymentId}
    summary: Get a Payment
  - tool: updatePayment
    rest: updatePayment
    method: PATCH
    path: /api/v1/payments/{paymentId}
    summary: Update a payment
  - tool: getVirtualDebitCard
    rest: getVirtualDebitCard
    method: GET
    path: /api/v1/payments/{paymentId}/card
    summary: Get Virtual Debit Card
  - tool: capturePayment
    rest: capturePayment
    method: POST
    path: /api/v1/payments/{paymentId}/capture
    summary: Capture Payment
  - tool: increaseAuthorization
    rest: increaseAuthorization
    method: PATCH
    path: /api/v1/payments/{paymentId}/increase-authorization
    summary: Increase Authorization Amount
  - tool: cancelPayment
    rest: cancelPayment
    method: POST
    path: /api/v1/payments/{paymentId}/cancel
    summary: Cancel Payment
  - tool: completePayment
    rest: completePayment
    method: POST
    path: /api/v1/payments/{paymentId}/complete
    summary: Complete Payment
  - tool: refund
    rest: refund
    method: POST
    path: /api/v1/payments/{paymentId}/refund
    summary: Refund Payment
- group: Simulations
  tools:
  - tool: simulateCardAuthorization
    rest: simulateCardAuthorization
    method: POST
    path: /api/v1/simulation/{paymentId}/card/auth
    summary: Simulate Card Authorization
  - tool: getAuthorizationRequestList
    rest: getAuthorizationRequestList
    method: GET
    path: /api/v1/simulation/{paymentId}/card/auth
    summary: Get Authorization Request List
  - tool: simulateCardCapture
    rest: simulateCardCapture
    method: POST
    path: /api/v1/simulation/{paymentId}/card/capture
    summary: Simulate Card Capture
  - tool: getCapturesList
    rest: getCapturesList
    method: GET
    path: /api/v1/simulation/{paymentId}/card/capture
    summary: Get Captures List
  - tool: simulateCardAuthorizationCapture
    rest: simulateCardAuthorizationCapture
    method: POST
    path: /api/v1/simulation/{paymentId}/card/auth-capture
    summary: Simulate Card Authorization/Capture
  - tool: createDemoBackupPaymentMethod
    rest: createDemoBackupPaymentMethod
    method: POST
    path: /api/v1/simulation/wallets/{walletId}/backup-linked-account
    summary: Create Demo Backup Payment Method
  - tool: clearPendingTransactions
    rest: clearPendingTransactions
    method: POST
    path: /api/v1/simulation/wallets/{walletId}/clear-pending/{type}
    summary: Clear Pending Transactions
  - tool: listWalletBarcodes
    rest: listWalletBarcodes
    method: GET
    path: /api/v1/simulation/wallets/{walletId}/barcodes
    summary: List Wallet Barcodes
  - tool: generateWalletBarcode
    rest: generateWalletBarcode
    method: POST
    path: /api/v1/simulation/wallets/{walletId}/barcodes
    summary: Generate Wallet Barcode
  - tool: getWalletBarcode
    rest: getWalletBarcode
    method: GET
    path: /api/v1/simulation/barcodes/{lookUpId}
    summary: Get Wallet Barcode
  - tool: failPendingTransaction
    rest: failPendingTransaction
    method: POST
    path: /api/v1/simulation/wallets/{walletId}/fail-transaction
    summary: Fail Pending Transaction
  - tool: simulateCounterpartyDeposit
    rest: simulateCounterpartyDeposit
    method: POST
    path: /api/v1/simulation/counterparties/{counterpartyId}/deposits
    summary: Simulate Counterparty Deposit
- group: Wallets
  tools:
  - tool: getWallet
    rest: getWallet
    method: GET
    path: /api/v1/wallets/:walletId
    summary: Get Wallet
  - tool: getWalletByBarcode
    rest: getWalletByBarcode
    method: GET
    path: /api/v1/wallets/barcode/{lookUpId}
    summary: Get Wallet by Barcode
  - tool: createWallet
    rest: createWallet
    method: POST
    path: /api/v1/wallets
    summary: Create Wallet
  - tool: getWalletBalance
    rest: getWalletBalance
    method: GET
    path: /api/v1/wallets/:walletId/balance
    summary: Get Wallet Balance
  - tool: listWallets
    rest: listWallets
    method: GET
    path: /api/v1/wallets/
    summary: List Wallets
  - tool: createOneTimeDeposit
    rest: createOneTimeDeposit
    method: POST
    path: /api/v1/wallets/:walletId/transactions
    summary: Create One-Time Deposit
  - tool: listTransactions
    rest: listTransactions
    method: GET
    path: /api/v1/wallets/:walletId/transactions
    summary: List Transactions
  - tool: closedLoopWithdraw
    rest: closedLoopWithdraw
    method: POST
    path: /api/v1/wallets/:walletId/withdraw
    summary: Closed-Loop Withdraw
  - tool: getTransaction
    rest: getTransaction
    method: GET
    path: /api/v1/wallets/:walletId/transactions/:transactionId
    summary: Get Transaction
- group: Users
  tools:
  - tool: listUsers
    rest: listUsers
    method: GET
    path: /api/v1/users
    summary: List Users
  - tool: createUser
    rest: createUser
    method: POST
    path: /api/v1/users
    summary: Create User
  - tool: updateUser
    rest: updateUser
    method: PATCH
    path: /api/v1/users/:userReference/attached-profile
    summary: Update User
  - tool: getUser
    rest: getUser
    method: GET
    path: /api/v1/users/:userId
    summary: Get User
  - tool: acceptKycDisclosureDocuments
    rest: acceptKycDisclosureDocuments
    method: POST
    path: /api/v1/users/:userId/disclosures/kyc
    summary: Accept KYC Disclosure Documents
- group: Identity Verification
  tools:
  - tool: createIdentityVerificationChallenge
    rest: createIdentityVerificationChallenge
    method: POST
    path: /api/v1/users/:userIdentifier/identity-verification/challenges
    summary: Create Identity Verification Challenge
  - tool: submitIdentityVerificationChallenge
    rest: submitIdentityVerificationChallenge
    method: POST
    path: /api/v1/users/:userIdentifier/identity-verification/challenges/:challengeId/submissions
    summary: Submit Identity Verification Challenge
  - tool: applyVerifiedProfileUpdate
    rest: applyVerifiedProfileUpdate
    method: POST
    path: /api/v1/users/:userIdentifier/identity-verification/profile-updates
    summary: Apply Verified Profile Update
- group: Widgets
  tools:
  - tool: getWalletWidgetData
    rest: getWalletWidgetData
    method: GET
    path: /api/v1/widgets/wallet/{walletId}
    summary: Get Wallet Widget Data
  - tool: findWalletWidgetData
    rest: findWalletWidgetData
    method: GET
    path: /api/v1/widgets/wallet
    summary: Find Wallet Widget Data
  - tool: getLinkedAccountWidgetData
    rest: getLinkedAccountWidgetData
    method: GET
    path: /api/v1/widgets/payment-intent/{paymentIntentId}/linked-account
    summary: Get Linked Account Widget Data
  - tool: getWalletWidgetDataV2
    rest: getWalletWidgetDataV2
    method: GET
    path: /api/v2/widgets/wallet/{walletId}
    summary: Get Wallet Widget Data (V2)
  - tool: findWalletWidgetDataV2
    rest: findWalletWidgetDataV2
    method: GET
    path: /api/v2/widgets/wallet
    summary: Find Wallet Widget Data (V2)
  - tool: createWidgetSession
    rest: createWidgetSession
    method: POST
    path: /api/v1/widgets/session
    summary: Create Widget Session
- group: Sweepstakes
  tools:
  - tool: addSweepstakesResults
    rest: addSweepstakesResults
    method: POST
    path: /api/v1/sweepstakes/{sweepstakesId}/results
    summary: Add Sweepstakes Results
- group: Rewards
  tools:
  - tool: issueReward
    rest: issueReward
    method: POST
    path: /api/v1/rewards
    summary: Issue Reward
  - tool: listIssuedRewards
    rest: listIssuedRewards
    method: GET
    path: /api/v1/rewards
    summary: List Issued Rewards
  - tool: getIssuedRewardById
    rest: getIssuedRewardById
    method: GET
    path: /api/v1/rewards/{id}
    summary: Get Issued Reward by ID
  - tool: updateReward
    rest: updateReward
    method: PATCH
    path: /api/v1/rewards/{id}
    summary: Update Reward
  - tool: cancelReward
    rest: cancelReward
    method: DELETE
    path: /api/v1/rewards/{id}
    summary: Cancel Reward
- group: Gifts
  tools:
  - tool: getGiftByLookUpId
    rest: getGiftByLookUpId
    method: GET
    path: /api/v1/gifts/{lookUpId}
    summary: Get Gift by lookUpId
- group: Banking
  tools:
  - tool: createKycApplication
    rest: createKycApplication
    method: POST
    path: /api/v1/users/:userId/kyc/application
    summary: Create KYC Application
  - tool: getKycStatus
    rest: getKycStatus
    method: GET
    path: /api/v1/users/:userId/kyc/status
    summary: Get KYC Status
  - tool: getDocumentVerificationLink
    rest: getDocumentVerificationLink
    method: POST
    path: /api/v1/users/:userId/kyc/document-verification-link
    summary: Get Document Verification Link
  - tool: completeDocumentVerification
    rest: completeDocumentVerification
    method: POST
    path: /api/v1/users/:userId/kyc/document-verification/complete
    summary: Complete Document Verification
- group: Counterparties
  tools:
  - tool: createCounterparty
    rest: createCounterparty
    method: POST
    path: /api/v1/counterparties
    summary: Create Counterparty
  - tool: listCounterparties
    rest: listCounterparties
    method: GET
    path: /api/v1/counterparties/
    summary: List Counterparties
  - tool: getCounterparty
    rest: getCounterparty
    method: GET
    path: /api/v1/counterparties/:counterpartyId
    summary: Get Counterparty
  - tool: updateCounterparty
    rest: updateCounterparty
    method: PATCH
    path: /api/v1/counterparties/:counterpartyId
    summary: Update Counterparty
  - tool: deleteCounterparty
    rest: deleteCounterparty
    method: DELETE
    path: /api/v1/counterparties/:counterpartyId
    summary: Delete Counterparty
  - tool: createCounterpartyPayout
    rest: createCounterpartyPayout
    method: POST
    path: /api/v1/counterparties/:counterpartyId/payouts
    summary: Create Counterparty Payout
  - tool: listCounterpartyPayouts
    rest: listCounterpartyPayouts
    method: GET
    path: /api/v1/counterparties/:counterpartyId/payouts
    summary: List Counterparty Payouts
- group: CounterpartyTransfers
  tools:
  - tool: createCounterpartyTransfer
    rest: createCounterpartyTransfer
    method: POST
    path: /api/v1/counterparty-transfers
    summary: Create Counterparty Transfer
  - tool: listCounterpartyTransfers
    rest: listCounterpartyTransfers
    method: GET
    path: /api/v1/counterparty-transfers/
    summary: List Counterparty Transfers
  - tool: getCounterpartyTransfer
    rest: getCounterpartyTransfer
    method: GET
    path: /api/v1/counterparty-transfers/:counterpartyTransferId
    summary: Get Counterparty Transfer
- group: LinkedAccounts
  tools:
  - tool: getLinkedAccounts
    rest: getLinkedAccounts
    method: GET
    path: /api/v1/users/:userId/linked-accounts
    summary: Get Linked Accounts for User
  - tool: deleteLinkedAccount
    rest: deleteLinkedAccount
    method: DELETE
    path: /api/v1/users/:userId/linked-accounts/:linkedAccountId
    summary: Remove a Linked Account
- group: ExternalTransactions
  tools:
  - tool: addExternalTransactions
    rest: addExternalTransactions
    method: POST
    path: /api/v1/external-transactions
    summary: Add External Transactions
  - tool: listExternalTransactions
    rest: listExternalTransactions
    method: GET
    path: /api/v1/external-transactions
    summary: List External Transactions
  - tool: getExternalTransaction
    rest: getExternalTransaction
    method: GET
    path: /api/v1/external-transactions/{externalTransactionId}
    summary: Get an External Transaction
- group: Webhooks
  tools:
  - tool: createWebhook
    rest: createWebhook
    method: POST
    path: /api/v1/webhooks
    summary: Create a webhook
  - tool: getWebhooks
    rest: getWebhooks
    method: GET
    path: /api/v1/webhooks
    summary: Get webhooks
  - tool: getWebhook
    rest: getWebhook
    method: GET
    path: /api/v1/webhooks/{webhookId}
    summary: Get a webhook
  - tool: updateWebhook
    rest: updateWebhook
    method: PATCH
    path: /api/v1/webhooks/{webhookId}
    summary: Update a webhook
  - tool: deleteWebhook
    rest: deleteWebhook
    method: DELETE
    path: /api/v1/webhooks/{webhookId}
    summary: Delete a webhook
- group: WebhookEvents
  tools:
  - tool: listWebhookEvents
    rest: listWebhookEvents
    method: GET
    path: /api/v1/webhook-events
    summary: List Webhook Events
  - tool: getWebhookEvent
    rest: getWebhookEvent
    method: GET
    path: /api/v1/webhook-events/{webhookEventId}
    summary: Get a webhook event