create_contacts

THE RISK

Medium Risk

Why create_contacts needs a policy

This tool creates new contact records in Xero, which is reversible (contacts can be modified or deactivated) but has business impact in an accounting context. It is Write category rather than Destructive because contact creation is not irreversible.

From the tool's definition Tool name 'create_contacts' and description 'Creates one or multiple contacts in a Xero organisation' explicitly indicate creation of new data in an accounting system.

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

POLICY

How to control create_contacts

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

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "create_contacts": {
      "limits": [
        {
          "counter": "create_contacts_rate",
          "window": "minute",
          "max": 30,
          "scope": "grant"
        }
      ]
    }
  }
}

create_contacts stays usable, but capped — an agent stuck in a loop can't make hundreds of changes a minute. Everything else on the server is denied unless you say otherwise.

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

LIMIT THIS TOOL →

Free to start. No card required.

EXPLORE

Related tools and policies

More Xero MCP Server tools

Write create_bank_transactions Creates one or more spent or received money transaction. Only use this tool when user has Write update_bank_transaction Updates an existing spent or received money transaction by its Xero bank transaction ID Write update_invoice Updates an existing sales invoice or purchase bill (typically a draft) to change fields li Other authenticate Authenticate with Xero using OAuth2 Read get_balance_sheet Returns a balance sheet for the end of the month of the specified date. It also returns th Read get_bank_transaction Retrieves a single spent or received money transaction by its Xero bank transaction ID Read get_invoice Retrieves a single sales invoice or purchase bill by its Xero invoice ID Read list_accounts Retrieves the full chart of accounts

All 15 Xero MCP Server tools →

Write tools on other servers

M-Team MCP Server download_torrent YouTube MCP Server generate_video_title Android Forensics ADB MCP Server combine_reports 0xarchive web3_signup

Go deeper

The MCP Attack Database → Documented attack patterns against MCP deployments — and the policies that stop them.
Argument validation → Checking tool call arguments against schema and policy before they run.
Scoped token → Per-person credentials that grant a defined subset of servers and tools.
Rate Limiting MCP Tool Calls: A Practical Guide →
MCP Security: Why Prompt Guardrails Aren't Enough →

FAQ

Questions about create_contacts

What does the create_contacts tool do? +

Creates one or multiple contacts in a Xero organisation. Only use this tool when user has directly and explicitly ask you to create contact. It is categorised as a Write tool in the Xero MCP Server MCP Server, which means it can create or modify data. Consider rate limits to prevent runaway writes.

How do I enforce a policy on create_contacts? +

Register the Xero MCP Server MCP server in PolicyLayer and add a rule for create_contacts: 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 Xero MCP Server. Nothing to install.

What risk level is create_contacts? +

create_contacts is a Write tool with medium risk. Write tools should be rate-limited to prevent accidental bulk modifications.

Can I rate-limit create_contacts? +

Yes. Add a rate_limit block to the create_contacts 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 create_contacts completely? +

Set action: deny in the PolicyLayer policy for create_contacts. 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 create_contacts? +

create_contacts is provided by the Xero MCP Server MCP server (john-zhang-dev/xero-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.

Enforce policy on every Xero MCP Server tool call.

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

CHECK YOUR STACK →