Tool reference

The Vero MCP Server exposes tools organized into 5 categories:

User context — Identity and integration status
Bank accounts — Connect, list, and disconnect bank accounts
Transactions — Search and filter transactions with itemized receipt data
Receipts — Upload, match, and manage receipts
Email — Connect Gmail and scan for receipts

All tools require authentication — the user must complete the OAuth flow before any tool can be called.

User context

get_user_context

Returns a consolidated snapshot of the user’s identity and current integration state, including bank connection status, email connection status, and profile info. Parameters: None Use this tool to understand what the user has set up before suggesting actions. This is typically the first tool called in a conversation.

Example response

{
  "user": {
    "sub": "auth0|abc123",
    "email": "user@example.com",
    "name": "Jane Doe"
  },
  "status": {
    "has_bank_account": true,
    "accounts_count": 2
  },
  "email": {
    "connected": true,
    "provider": "google"
  }
}

Bank accounts

connect_bank_account

Creates a Plaid Link session and returns a URL for the user to connect their bank account in a browser. After the user completes the flow, the account is automatically linked. Parameters: None

This tool returns a browser URL. The user must open the link and complete the Plaid Link flow. The AI assistant cannot complete this step on the user’s behalf.

get_accounts

Returns the user’s connected bank accounts with balances and account details. Parameters: None

Example response

[
  {
    "account_id": "abc123",
    "name": "Checking Account",
    "type": "depository",
    "subtype": "checking",
    "balance": {
      "available": 1250.00,
      "current": 1300.00,
      "currency": "USD"
    },
    "institution": "Chase"
  }
]

disconnect_bank_account

Disconnects a bank account. This removes the entire institution connection, so all accounts under the same institution will be disconnected. Parameters:

string

required

The account ID to disconnect. Use get_accounts to find it.

This disconnects all accounts under the same institution, not just the specified account. Only call this once per institution.

Transactions

get_transactions

Syncs the latest transactions from Plaid and returns them. Supports extensive filtering and sorting. Parameters:

string

Search transactions by name or merchant name.

string

Start date filter. Format: YYYY-MM-DD.

string

End date filter. Format: YYYY-MM-DD.

string

Minimum transaction amount (absolute value).

string

Maximum transaction amount (absolute value).

string

Filter by transaction category. One of:BANK_FEES ENTERTAINMENT FOOD_AND_DRINK GENERAL_MERCHANDISE GENERAL_SERVICES GOVERNMENT_AND_NON_PROFIT HOME_IMPROVEMENT INCOME LOAN_DISBURSEMENTS LOAN_PAYMENTS MEDICAL OTHER PERSONAL_CARE RENT_AND_UTILITIES TRANSFER_IN TRANSFER_OUT TRANSPORTATION TRAVEL

string

Filter by receipt match status. One of: matched, unmatched.

string

Filter by pending status. One of: true, false.

string

Sort field. One of: date, amount, merchant, name. Default: date.

string

Sort direction. One of: asc, desc. Default: desc.

Example response

[
  {
    "transaction_id": "txn_abc123",
    "name": "STARBUCKS #1234",
    "merchant_name": "Starbucks",
    "amount": 5.75,
    "date": "2026-04-10",
    "category": "FOOD_AND_DRINK",
    "pending": false,
    "matched": true,
    "receipt_id": "rec_xyz789"
  }
]

Receipts

ingest_receipt_image

Creates a receipt upload session and returns a URL for the user to upload a receipt image in their browser. The uploaded image is processed with OCR and automatically matched to transactions when possible. Parameters: None

After showing the upload URL to the user, immediately call wait_for_receipt_upload with the returned session_id to get the OCR and matching results.

wait_for_receipt_upload

Waits for a receipt image upload to complete. Call this after ingest_receipt_image once the user has been given the upload URL. Blocks until the user uploads the image or the session times out. Parameters:

string

required

The session ID returned by ingest_receipt_image.

This tool blocks for up to 5 minutes waiting for the user to upload. If the session times out, it returns an error.

get_receipts

Returns the user’s receipts with optional filters. Includes match status, OCR-extracted data, and linked transaction info. Parameters:

string

Filter by receipt status. One of: matched, unmatched, suggested.

string

Filter by receipt source. One of: upload, email.

string

Filter by how the receipt was matched. One of: auto, manual, suggested, confirmed.

string

Search by merchant name or line items.

string

Start date filter. Format: YYYY-MM-DD.

string

End date filter. Format: YYYY-MM-DD.

string

Minimum receipt amount.

string

Maximum receipt amount.

string

Sort field. One of: date, amount, merchant. Default: created_at.

string

Sort direction. One of: asc, desc. Default: desc.

match_receipt

Manually matches a receipt to a specific transaction. Use when automatic matching didn’t find the right transaction or when the user wants to link a specific receipt to a specific transaction. Parameters:

string

required

The UUID of the receipt to match.

string

required

The Plaid transaction ID to match the receipt to.

unmatch_receipt

Removes an existing association between a receipt and a transaction. Parameters:

string

required

The UUID of the receipt to unmatch.

confirm_receipt_suggestion

Confirms an auto-suggested receipt-to-transaction match. Use when the system suggested a match and the user agrees it’s correct. Parameters:

string

required

The UUID of the receipt whose suggestion to confirm.

reject_receipt_suggestion

Rejects an auto-suggested receipt-to-transaction match. Use when the system suggested a match but the user says it’s wrong. Parameters:

string

required

The UUID of the receipt whose suggestion to reject.

Email

connect_email

Initiates Gmail connection via Google OAuth. Returns a URL for the user to authorize Gmail access in a browser. Once connected, Vero can scan the inbox for receipts. Parameters: None

The user must open the returned URL and complete the Google OAuth flow. Only Gmail is currently supported.

scan_email

Scans the user’s connected Gmail inbox for receipts. Runs in the background — results may take a moment to appear. Parameters: None

The user must have a connected email account before calling this tool. Use get_user_context to check.

list_email_receipts

Returns receipts that were discovered from scanning the user’s email inbox. Parameters: None

Tool summary

Tool	Category	Parameters	Description
`get_user_context`	User	None	Get user identity and connection status
`connect_bank_account`	Bank	None	Get Plaid Link URL to connect a bank account
`get_accounts`	Bank	None	List connected accounts with balances
`disconnect_bank_account`	Bank	`account_id`	Disconnect an institution
`get_transactions`	Transactions	10 optional filters	Search and filter transactions
`ingest_receipt_image`	Receipts	None	Get URL for receipt image upload
`wait_for_receipt_upload`	Receipts	`session_id`	Wait for upload to complete
`get_receipts`	Receipts	10 optional filters	List and filter receipts
`match_receipt`	Receipts	`receipt_id`, `transaction_id`	Manually match receipt to transaction
`unmatch_receipt`	Receipts	`receipt_id`	Remove receipt-transaction match
`confirm_receipt_suggestion`	Receipts	`receipt_id`	Confirm auto-suggested match
`reject_receipt_suggestion`	Receipts	`receipt_id`	Reject auto-suggested match
`connect_email`	Email	None	Get Google OAuth URL for Gmail
`scan_email`	Email	None	Scan inbox for receipts
`list_email_receipts`	Email	None	List email-sourced receipts

For Merchants

Ask About Your Receipts

The Protocol

API Reference

User Onboarding (Card Issuer)

Payment (Merchant, Gateway)

Receipt Decryption (Card Issuer)

Receipt Encryption (Merchant)

Tool reference

User context

get_user_context

Bank accounts

connect_bank_account

get_accounts

disconnect_bank_account

Transactions

get_transactions

Receipts

ingest_receipt_image

wait_for_receipt_upload

get_receipts

match_receipt

unmatch_receipt

confirm_receipt_suggestion

reject_receipt_suggestion

Email

connect_email

scan_email

list_email_receipts

Tool summary