SmartAccounts MCP server

Read SmartAccounts clients, vendors, invoices, payments, ledger, accounts; create and book records. Hosted by usefulapi: connect it to Claude, ChatGPT, Cursor or any MCP client.

Connect SmartAccounts50 free tool calls a month

What can I ask?

Turn on the SmartAccounts connector, then ask in plain words. The AI picks the tools.

How much does client Acme OU currently owe us?
Show the sales invoices we issued last month.
Which vendor invoices from this quarter are still unpaid?
Which products and services do we sell, with their prices and VAT codes?

What you can do with SmartAccounts in Claude and ChatGPT

For accountants and small business owners who keep their books in SmartAccounts.

Check what a client owes or what you owe a vendor

The AI finds a client or vendor and reads the outstanding balance, optionally on a past date and with the open documents.

List sales invoices and find the unpaid ones

The AI lists sales invoices filtered by date, client, number or payment status, such as unpaid or overdue, with amounts, VAT and outstanding amount.

List vendor invoices that are still unpaid

The AI lists purchase invoices filtered by date, vendor or payment status, so you see what you still need to pay this quarter.

Review payments and general ledger entries

The AI lists bank and cash payments with the invoices they paid, and ledger entries filtered by date, type or text.

Check your products, VAT codes and accounts

The AI lists products and services with prices and VAT codes, the VAT rates, and the chart of accounts.

Create a client and book a sales invoice

The AI searches for a client, adds one if missing, and posts a sales invoice from article rows. The invoice is booked to the ledger at once and this server cannot edit it.

Changes data

How do I connect SmartAccounts?

Before you connect

The login page asks for your SmartAccounts public key and SmartAccounts secret key.

Generate both keys in SmartAccounts under Settings → Connected services → API. The API user group has access to every function by default: narrow it under Settings → User groups to what you need. Your keys are used only to sign and send SmartAccounts API requests on your behalf; they are never shown to anyone.

Claude claude.ai · Desktop

Open Customize → Connectors, then click + Add → Add custom connector.
Enter the name SmartAccounts and this URL, then click Add:
https://smartaccounts.usefulapi.io/mcp
Claude opens the login page: enter your SmartAccounts public key and SmartAccounts secret key.
In a chat, click + → Connectors and turn on SmartAccounts.

Team and Enterprise: an Owner adds the connector for the organization first.

ChatGPT chatgpt.com

Open Plugins, click +, then Add custom MCP server.
Enter the name SmartAccounts and this URL, choose OAuth as the authentication, confirm the warning and create it:
https://smartaccounts.usefulapi.io/mcp
ChatGPT opens the login page: enter your SmartAccounts public key and SmartAccounts secret key.
In Plugins, install SmartAccounts, then choose it in a chat.

No Add custom MCP server option? It depends on your account or workspace settings: see OpenAI's guide.

Claude Code

Run this command, then run /mcp in Claude Code to log in:

claude mcp add --transport http smartaccounts https://smartaccounts.usefulapi.io/mcp

Cursor

Add to Cursor or add this to ~/.cursor/mcp.json:

{
  "mcpServers": {
    "smartaccounts": {
      "url": "https://smartaccounts.usefulapi.io/mcp"
    }
  }
}

VS Code

Add to VS Code or add this to .vscode/mcp.json:

{
  "servers": {
    "smartaccounts": {
      "type": "http",
      "url": "https://smartaccounts.usefulapi.io/mcp"
    }
  }
}

Codex

Run these commands. The second one opens the login page:

codex mcp add smartaccounts --url https://smartaccounts.usefulapi.io/mcp

codex mcp login smartaccounts

Other clients

Windsurf, Cline, Zed and other MCP clients: add this URL as a remote MCP server (Streamable HTTP). The client then opens the login page in your browser.

https://smartaccounts.usefulapi.io/mcp

Add only the URL. Do not add an Authorization header or an API key to the client config. The server signs you in with OAuth: the login page asks for your SmartAccounts public key and SmartAccounts secret key. If the config has such a header, remove it: some clients then send that header instead of the login token, and every call fails with 401.

Pricing

Plan	Price	Limit
Free	$0	50 tool calls / month
Proper API key	$9/mo · $90/yr	10,000 tool calls / month
Pro+per API key	$39/mo · $390/yr	100,000 tool calls / month

Each paid plan covers this SmartAccounts server only. Ask your AI to run smartaccounts_upgrade and choose Pro or Pro+, billed monthly or yearly (it returns a Stripe Checkout link). If you already have Pro, ask to change it to Pro+. The change requires your confirmation, keeps your billing interval and charges the price difference for the rest of the period immediately. Cancel any time with smartaccounts_cancel_subscription: your paid plan continues to the end of the paid period, with no refund for the current period, and asking to resume the same plan with smartaccounts_upgrade before then undoes the cancel. Or write to support@usefulapi.io.

Tools 22

Show all 22 tools (the AI picks them for you)

Read only · 14

List or search clientssmartaccounts_list_clients
Customers of the company (purchasesales/clients:get): id, name, regCode, vatNumber, bank account, due days, discount, VAT code. Filter by name or registry code, by id, or by modification time. Paged (100 per page). The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
Get a client's outstanding balancesmartaccounts_get_client_balance
The outstanding balance of one client (purchasesales/clients:getbalance), optionally on a past date and with the open documents. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
List or search vendorssmartaccounts_list_vendors
Suppliers of the company (purchasesales/vendors:get): id, name, regCode, vatNumber, bank account, VAT code. Filter by name or registry code, by id, or by modification time. Paged (100 per page). The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
Get a vendor's outstanding balancesmartaccounts_get_vendor_balance
The outstanding balance owed to one vendor (purchasesales/vendors:getbalance), optionally on a past date and with the open documents. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
List or search articlessmartaccounts_list_articles
Products, services and warehouse items (purchasesales/articles:get): code, description, type, unit, VAT code, sales and purchase prices, accounts. Search by code or name, or by modification time. Paged (100 per page). The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
List sales invoicessmartaccounts_list_sales_invoices
Sales (client) invoices (purchasesales/clientinvoices:get): number, client, dates, amounts, VAT, outstanding amount, optionally the rows. Filter by date, client, number or payment status (unpaid, overdue). Paged (100 per page). The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
List purchase invoicessmartaccounts_list_purchase_invoices
Purchase (vendor) invoices (purchasesales/vendorinvoices:get): number, vendor, dates, amounts, VAT, outstanding amount, optionally the rows. Filter by date, vendor, number or payment status (unpaid, overdue). Paged (100 per page). The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
List paymentssmartaccounts_list_payments
Bank and cash payments from clients and to vendors (purchasesales/payments:get): date, partner, account, currency, amount, optionally the rows (which invoices were paid). Paged (100 per page). The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
List general ledger entriessmartaccounts_list_ledger_entries
General ledger entries of every type (general/entries:get): manual entries, invoices, payments, VAT returns, depreciation. Filter by date, type, text or payment status. Paged (100 per page). The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
List the chart of accountssmartaccounts_list_accounts
The chart of accounts: code, type (ASSET, LIABILITY, INCOME, EXPENSE), Estonian and English description. Use the codes in ledger entries. (settings/accounts:get). Not paged. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
List VAT ratessmartaccounts_list_vat_rates
VAT codes: vatPc code, percentage, descriptions, whether active for sales or purchases, accounts. Use vatPc in client and invoice rows. (settings/vatpcs:get). Not paged. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
List bank accountssmartaccounts_list_bank_accounts
The company's bank accounts: name (used as accountName in payments), ledger account, currency, IBAN, SWIFT. (settings/bankaccounts:get). Not paged. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
List cash accountssmartaccounts_list_cash_accounts
The company's cash registers: name (used as accountName in payments), ledger account, currency. (settings/cashaccounts:get). Not paged. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
List payment methodssmartaccounts_list_payment_methods
Payment methods: name, ledger account, whether cash. (settings/paymentmethods:get). Not paged. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Changes data · 4

Create a clientsmartaccounts_create_client
Add a new client (purchasesales/clients:add). Search first with smartaccounts_list_clients so a client is not created twice. Returns clientId and the generated referenceNumber. This creates a real accounting record in the company's books. This server cannot edit or delete it; correct it in SmartAccounts. It never retries: if a reply is unclear, look in SmartAccounts before calling again. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
Create a sales invoicesmartaccounts_create_sales_invoice
Post a new sales (client) invoice (purchasesales/clientinvoices:add). The invoice number is generated by SmartAccounts, totals and VAT are calculated from the rows, and the invoice is booked to the ledger at once (it is not a draft). The client must exist (smartaccounts_list_clients); each row's code must be an article code (smartaccounts_list_articles) and vat_pc a VAT code (smartaccounts_list_vat_rates). Fails if the period is locked. Returns invoiceId, number and the totals. This creates a real accounting record in the company's books. This server cannot edit or delete it; correct it in SmartAccounts. It never retries: if a reply is unclear, look in SmartAccounts before calling again. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
Create a paymentsmartaccounts_create_payment
Record a bank or cash payment against one or more invoices (purchasesales/payments:add): a client paying a sales invoice, or a payment to a vendor for a purchase invoice. Use smartaccounts_list_bank_accounts or _list_cash_accounts for account_name, and the invoice ids from the invoice lists. The currency must match the account's currency. Returns paymentId, number and amount. This creates a real accounting record in the company's books. This server cannot edit or delete it; correct it in SmartAccounts. It never retries: if a reply is unclear, look in SmartAccounts before calling again. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.
Create a manual ledger entrysmartaccounts_create_ledger_entry
Post a manual general ledger entry (journal entry, general/entries:add) in EUR. Debits must equal credits. Account codes come from smartaccounts_list_accounts. Fails if the period is locked. Returns id, number and amount. This creates a real accounting record in the company's books. This server cannot edit or delete it; correct it in SmartAccounts. It never retries: if a reply is unclear, look in SmartAccounts before calling again. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Your usefulapi plan · 4

Usage status (free-tier meter)smartaccounts_usage_status
Report the caller's current usage: the plan, calls used this month, the limit of the plan (the free monthly cap or the Pro fair use limit), remaining, and whether the limit is reached. Read-only; does not count against the meter.
Request a missing featuresmartaccounts_request_feature
Tell usefulapi that the user needs something the SmartAccounts tools cannot do yet (a missing tool, field or filter). Call it only when the user asks for something none of the tools can do, and tell the user that you send the request. Do not call it for errors or for normal requests. Do not include personal data, credentials or customer records. Stored with the product name and the client type (for example Claude or Cursor), without the user's account. At most 5 requests per day. Does not count against the meter.
Upgrade to Pro or Pro+smartaccounts_upgrade
Get a paid plan for SmartAccounts (the free tier caps monthly usage). Pro: 10,000 tool calls a month, for normal use — plan "monthly" ($9/month) or "yearly" ($90/year, 2 months free). Pro+: 100,000 tool calls a month, for automations and heavy use — plan "plus" ($39/month) or "plus_yearly" ($390/year). Without a plan it returns both Pro and Pro+, each with a payment link, for the user to choose; with a plan, one link. An existing Pro subscription changes to Pro+ in place: call without confirm first, as the reply states the exact charge for this account (the price difference for the rest of the period, or in a free Pro trial the full Pro+ price, as the trial ends); then call with confirm: true. Cancel any time: the plan then runs to the end of the paid period, so it also suits a one-time job. A link opens Stripe Checkout in the browser; after payment the account upgrades automatically. Does not count against the meter.
Cancel the Pro subscriptionsmartaccounts_cancel_subscription
Cancel the caller's SmartAccounts Pro subscription at the end of the paid period (no refund for the current period; Pro continues until then, then the free tier applies). Requires confirm: true. Run smartaccounts_upgrade later to undo the cancel before the period ends. Does not count against the meter.

FAQ

What can I do with SmartAccounts in Claude or ChatGPT?

Check what a client owes or what you owe a vendor. List sales invoices and find the unpaid ones. List vendor invoices that are still unpaid. Review payments and general ledger entries. Check your products, VAT codes and accounts. Create a client and book a sales invoice. See what you can do for the details.

Is this an official SmartAccounts product?

No. usefulapi is an independent service. It is not affiliated with or endorsed by SmartAccounts. The server calls the SmartAccounts API with your own SmartAccounts access, so it sees only the data that your account can see.

Can I connect SmartAccounts to Claude or ChatGPT?

Yes. In Claude, add this server's URL as a custom connector. In ChatGPT, add it as a custom MCP server in Plugins. Then log in once. Cursor, VS Code, Claude Code and Codex work too. See the setup steps.

What do I need to connect?

The login page asks for your SmartAccounts public key and SmartAccounts secret key. See Before you connect for where to find them.

Do I put my SmartAccounts key or an Authorization header in the client config?

No. Add only the URL. Do not add an Authorization header or an API key to the client config. The server signs you in with OAuth: the login page asks for your SmartAccounts public key and SmartAccounts secret key. If the config has such a header, remove it: some clients then send that header instead of the login token, and every call fails with 401.

How do you keep my SmartAccounts credentials?

The login stores them encrypted in the authorization grant of your connection. The server uses them to call the SmartAccounts API for you and to derive a private account id for usage metering. usefulapi does not show them on any page or in any reply. To stop all access, remove the connector and change or delete these credentials in SmartAccounts.

Can the AI change my SmartAccounts data?

Yes, if you approve it. 4 of the 18 SmartAccounts tools can create or change data. The other 14 are marked read-only. Most MCP clients ask you to approve a tool call before it runs.

What does it cost?

The Free plan gives 50 tool calls / month. Pro costs $9/mo or $90/yr, with 10,000 tool calls / month. Pro+ costs $39/mo or $390/yr, with 100,000 tool calls / month. Each subscription covers this SmartAccounts server only. Cancel any time: your paid plan then runs to the end of the paid period. Run smartaccounts_usage_status to see how many calls you used.

How do I subscribe or cancel?

Ask the AI to run smartaccounts_upgrade and choose Pro or Pro+, billed monthly or yearly: it returns a Stripe Checkout link. If you already have Pro, ask to change it to Pro+. After you confirm, your existing subscription changes in place, keeps its billing interval and charges the price difference for the rest of the period immediately. To cancel, run smartaccounts_cancel_subscription. Your paid plan continues to the end of the paid period.

What if a SmartAccounts tool that I need is missing?

Tell the AI what you wanted to do. It can send the request with smartaccounts_request_feature. We store the text with the server name, the type of AI client and the tool you tried, not with your account, and read every request when we plan new tools. You can send up to 5 requests per day.

Which AI clients can I use?

Any client that supports remote MCP servers (Streamable HTTP) with OAuth login: Claude (web and desktop), Claude Code, ChatGPT, Codex, Cursor, VS Code, Windsurf and others.

This is a Model Context Protocol endpoint — meant to be connected from an AI client, not opened in a browser. An invalid_token response at the URL is the auth gate working as designed; clients authenticate automatically.

Need a tool this server does not have, or a connection to another system? We build custom integrations and MCP servers.

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