EU Payments Law MCP server

• Registry nameeu.paymentslaw/legislationverified in the MCP registry

The registry name sits under paymentslaw.eu. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

• Stateanswerschecked 2026-10-20
• Tools15
• Server calls itselfpaymentslaw
• Server version1.21.0
• Protocol version2025-06-18

On 2026-10-20 the server answered initialize and tools/list without a sign-in. First answer in 417 ms.

• Its tools do every use case we checked: Look up a provision and link to its exact article; Trace which articles changed and whether they are law.
• Checked on 2 of the 7 days it takes to judge reliability.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

• INITE MCP scoreafter a weeka score needs 7 daily checks: 2 so far
• What an agent can do with it2 of 2 use cases
• Answeredmeasuring2 of the 7 daily checks it takes to print a share
• Median first answer325 ms
• Space in an agent's context≈ 7,217 tokensthe definitions of all its tools (15), which an agent carries on every turn
• Tool definitionsA · 90 of 100
• Typed results15 of 15 toolsdeclared outputSchema: results come typed, read once

• Parameters without a description: in 9 of 15

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (30%), doing the product's job (25%), definitions (20%), context (10%) and use (15%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

• get_provision

  Use this to read or quote an EU legislative provision, such as PSD2 Article 97 or RTS-SCA Article 5. Returns the source text of an article, annex or recital as markdown (a sub- or superscript with no Unicode form as inline <sub>/<sup>)…

• get_instrument

  Use this to check an EU instrument's recorded legal status, source version, dates and amendments, including whether a held PSR or PSD3 text is a proposal, a Council compromise text or the act published in the Official Journal. Metadata…

• list_instruments

  Use this to discover which EU instruments are held before a coverage question, or find their registry ids and legal status. Paginated, filterable by status, category, core/supplementary, and by whether an instrument was in force on a…

• get_source_notes

  Use this to read the original legislative footnotes and source-note bodies for a held instrument, including preamble and annex notes. Omit note_key for the paginated inventory; supply an exact returned key to retrieve one. Keys retain…

• list_provisions

  Use this to browse an EU instrument's article, annex or recital index, or enumerate its topic-tagged provisions for a coverage question. Metadata only: each item carries the exact locator get_provision accepts. Articles and annexes by…

• search_legislation

  Use this to find EU legislative provisions on payment-services questions: strong customer authentication (SCA), dynamic linking, open banking, safeguarding and payment liability. The held corpus includes PSD2, RTS-SCA, PSD3/PSR and DORA…

• resolve_citation

  Use this to resolve a written EU legal citation, such as Article 97(1) PSD2, into an instrument and provision locator. For a topic rather than a citation, use search_legislation. Ranked candidates with ambiguity flagged and confidence…

• search_defined_terms

  Use this to find which EU instruments define a legal term, such as payment transaction or payment account, and where their definitions differ. For definition wording use get_defined_term. A listing: term, definers and divergence flags…

• get_defined_term

  Use this to read and compare the held legislative definitions of a term, such as payment transaction in PSD2 and PSR. These are source definitions, not a general dictionary or a legal opinion. Every definition verbatim and resolved…

• compare_versions

  Use this to compare an article between the Commission proposal and the Council compromise text of PSR or PSD3, within the same instrument. Serves the word-level comparison the build published: a pair is servable if and only if a diff…

• list_version_changes

  Use this to browse which articles changed between the Commission proposal and the Council compromise text of PSR or PSD3; no comparison with a text published in the Official Journal is held. For one article's wording changes use…

• show_changes

  Shows the reader what changed: presents a comparison or a change inventory to the reader as an interactive card, this service's intended way of showing what changed between the two texts of a served pair. With article, the card is that…

• search

  Use this to find EU payments legislation on topics such as SCA, open banking and safeguarding in the held PSD2, RTS-SCA, PSD3/PSR and related instruments. Simple search returning the top hits as {id, title, url}, where id is the cite…

• fetch

  Use this to open and cite an EU legislative provision found by search. Simple retrieval of one provision's text by its cite anchor id (e.g. "psd-2 Art 97"), with citation metadata. A provision longer than the response ceiling arrives in…

• get_orientation

  Use this for a starting reading order in EU payments legislation when a relevant curated pathway exists. For other subjects use search_legislation. Curated reading pathways into the corpus for a stated audience: ordered waypoints with…