list_merchant_accounts

THE RISK

Low Risk

Why list_merchant_accounts needs a policy

This tool retrieves merchant bank account information without side effects. It is purely a query operation used to gather data for financial workflows, not to execute payments, modify accounts, or delete records.

From the tool's definition Tool name is 'list_merchant_accounts' with verb 'List'; description states it retrieves/queries 'bank accounts registered for a merchant' with no mention of modification or deletion.

Documented attack patterns abuse exactly the kind of access list_merchant_accounts gives an agent:

POLICY

How to control list_merchant_accounts

PolicyLayer is an MCP gateway — it sits between your AI agents and Mcp Afip, and nothing reaches the server without passing your rules. This is the rule we recommend for list_merchant_accounts:

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "list_merchant_accounts": {}
  }
}

list_merchant_accounts is read-only, so it stays allowed — but everything else on the server is denied unless you say otherwise.

Create a free account and register Mcp Afip — nothing to install.
Add this policy — paste it, or build it visually.
Point your MCP client (Claude, Cursor, anything) at your gateway URL.

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EXPLORE

Related tools and policies

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Financial authorize_transaction Authorize a transaction (reserve funds without capturing) via Braintree GraphQL authorizeP Financial cancel_collection Cancel a scheduled collection request Financial cancel_credit Cancel an authorized-but-uncaptured credit payment. Financial cancel_payment Attempt to cancel a payment that has not yet settled. Iniciador endpoint: POST /payments/{ Financial cancel_payment_intent Cancel a payment intent that has not yet been captured. Fails on already-captured intents; Financial cancel_recurrence Cancel an active recurrence. Future charges will stop; already-charged cycles are untouche Financial cancel_subscription Cancel a subscription by ID Financial revoke_token Revoke an issued access_token or refresh_token at POST /v1/token/revoke. Use to terminate

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Go deeper

The MCP Attack Database → Documented attack patterns against MCP deployments — and the policies that stop them.
Data exfiltration → How read access becomes an exfiltration channel when chained with untrusted content.
MCP token cost → What connecting this server costs in context-window tokens on every request.
Rate Limiting MCP Tool Calls: A Practical Guide →
MCP Security: Why Prompt Guardrails Aren't Enough →

FAQ

Questions about list_merchant_accounts

What does the list_merchant_accounts tool do? +

List the bank accounts registered for a merchant to collect into. Use with refund_payment / conciliation flows to know which account funds settle to. It is categorised as a Read tool in the Mcp Afip MCP Server, which means it retrieves data without modifying state.

How do I enforce a policy on list_merchant_accounts? +

Register the Mcp Afip MCP server in PolicyLayer and add a rule for list_merchant_accounts: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Mcp Afip. Nothing to install.

What risk level is list_merchant_accounts? +

list_merchant_accounts is a Read tool with low risk. Read-only tools are generally safe to allow by default.

Can I rate-limit list_merchant_accounts? +

Yes. Add a rate_limit block to the list_merchant_accounts rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.

How do I block list_merchant_accounts completely? +

Set action: deny in the PolicyLayer policy for list_merchant_accounts. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.

What MCP server provides list_merchant_accounts? +

list_merchant_accounts is provided by the Mcp Afip MCP server (codespar/mcp-dev-latam). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.

Enforce policy on every Mcp Afip tool call.

Start from Mcp Afip, add the rest of your stack, and see everything your agents can call. Then put policy on all of it.

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