xendit-mcp (read-only)

Minimal, read-only MCP server for Xendit. Built for the CareNow Issue Resolver agent — looks up payments, disbursements, refunds, and VA transactions. Never moves money.

Unofficial. Not affiliated with or endorsed by Xendit.

Why read-only?

Agents should not be able to call create_disbursement, create_refund, or expire_invoice — even via prompt injection from a Xendit-side field. This server exposes only GET endpoints. For defense in depth, also use a Xendit API key scoped to *_READ permissions.

Install & run

No clone required. Install directly from GitHub via npx:

{
  "mcpServers": {
    "xendit": {
      "command": "npx",
      "args": ["-y", "github:indratjhai/xendit-mcp"],
      "env": {
        "XENDIT_API_KEY": "xnd_development_..."
      }
    }
  }
}

On first run, npm clones the repo, installs deps, and runs npm run build via the prepare script. After that it launches from the cached install.

Pin a specific commit for reproducibility:

"args": ["-y", "github:indratjhai/xendit-mcp#<commit-sha>"]

Local development

git clone https://github.com/indratjhai/xendit-mcp.git
cd xendit-mcp
npm install
cp .env.example .env  # fill in XENDIT_API_KEY
npm run dev

API key

1. Go to https://dashboard.xendit.co/settings/developers#api-keys
2. Create a key with READ-only permissions:
   • BALANCE_READ
   • INVOICE_READ
   • TRANSACTION_READ
   • DISBURSEMENT_READ
   • REFUND_READ
   • PAYMENT_REQUEST_READ
3. Use a xnd_development_... test key while developing.

Tools

Tool	Purpose
xendit_get_balance	Account balance by type (CASH / HOLDING / TAX)
xendit_list_invoices	Filter by external_id, status, date range
xendit_get_invoice	Invoice by ID
xendit_list_transactions	Core tool — filter by reference_id, type, channel, date
xendit_get_transaction	Transaction by ID
xendit_get_disbursement	Disbursement by ID
xendit_get_disbursement_by_external_id	Disbursement by your reference
xendit_list_refunds	Filter by payment_request_id / invoice_id / reference_id
xendit_get_refund	Refund by ID
xendit_list_payment_requests	New Payments API — filter by reference_id
xendit_get_payment_request	Payment request by ID
xendit_get_fixed_va	Virtual account — for Wrong VA investigations
xendit_get_va_payment	VA payment by payment_id

What's not here (by design)

• create_invoice, expire_invoice
• create_disbursement
• create_refund
• create_payment_request
• Any POST / PATCH / DELETE

If a workflow needs a mutation, it should be done manually in the Xendit dashboard or via a separate approval flow that a human reviews — not from an agent session.

Security notes

• API key read from XENDIT_API_KEY env var. Never logged, never sent to tool output.
• Network egress is hardcoded to https://api.xendit.co — no other hosts.
• Path-component IDs are validated against ^[a-zA-Z0-9_-]+$ and URL-encoded.
• All tool inputs are zod-validated.
• Only runtime deps: @modelcontextprotocol/sdk, zod.

License

MIT