Holdings MCP — Agentic Invoicing & Payments¶

Rating: ★★★ | Category: Finance & Commerce | Transport: stdio (npm) or Streamable HTTP (remote)

What It Does¶

Holdings is agentic invoicing — software your AI can run. Connect Claude, ChatGPT, or Cursor, tell it who to bill, and it drafts the invoice, shows you a preview, and sends it the moment you confirm. Your client pays by card or ACH; you're told when the money lands. Free, no monthly fee — you pay standard payment-processing fees only when a client pays.

Why Business Operators Need This¶

Invoicing is one of the highest-friction operational tasks for small businesses and freelancers. Holdings makes it a conversational action: "Send Acme the December retainer — $8,400, net 30." The agent drafts, you approve, the client pays. Every write is confirm-gated — a draft is created first, amounts are recomputed server-side, and nothing reaches a client until you explicitly confirm. This is the first MCP server to bridge the gap between AI agents and real payment collection.

Competitive landscape: No other MCP server handles invoicing and payment collection. Stripe MCP (catalogued earlier) handles payment infrastructure but not invoicing workflows. QuickBooks MCP (catalogued earlier) handles accounting but requires a QuickBooks subscription. Holdings is purpose-built for agentic invoicing with no monthly platform fee.

Quick Start¶

Connection Details¶

Field	Value
Transport (local)	stdio via `npx -y @getholdings/mcp`
Transport (remote)	Streamable HTTP at `https://mcp.getholdings.com/mcp`
Authentication	API key (`HOLDINGS_API_KEY`) or Bearer token
Pricing	Free (no monthly fee; standard Stripe processing fees on payments)
npm	`@getholdings/mcp`
GitHub	`holdings-io/mcp` (0★, created Jul 28, 2026)

Option 1: Local (stdio) — Claude Desktop, Cursor, Cline, Windsurf¶

{
  "mcpServers": {
    "holdings": {
      "command": "npx",
      "args": ["-y", "@getholdings/mcp"],
      "env": {
        "HOLDINGS_API_KEY": "hw_live_your_key_here"
      }
    }
  }
}

Option 2: Remote (Streamable HTTP) — Any MCP Client¶

{
  "mcpServers": {
    "holdings": {
      "transport": "http",
      "url": "https://mcp.getholdings.com/mcp",
      "headers": {
        "Authorization": "Bearer hw_live_your_key_here"
      }
    }
  }
}

Claude Code¶

claude mcp add --transport http holdings https://mcp.getholdings.com/mcp \
  -H "Authorization: Bearer hw_live_your_key_here"

Get an API Key¶

Create a free key in your Holdings workspace → Settings → API keys. No monthly fee.

Key Tools¶

Category	Capability	Description
Invoices	Draft, preview, send, track	Create invoices with line items, preview before sending, track payment status
Quotes	Create, send, convert	Send estimates; turn accepted quotes into invoices
Clients	CRUD operations	Manage the people and businesses you bill
Payments	View status	See what's paid, outstanding, and overdue

Every write operation is confirm-gated: a draft is created first, nothing reaches a client until you explicitly approve the send. Amounts are recomputed server-side — the agent can't override totals.

Example Usage¶

Send an Invoice¶

Ask your agent: "Send Acme Corp the December retainer — $8,400, net 30."

The agent drafts the invoice with line items, shows you a preview with the computed total, and waits for your confirmation before sending. Acme gets a payment link; you get notified when they pay.

Convert a Quote to Invoice¶

Ask your agent: "Turn the accepted Q4 proposal for GlobalTech into an invoice."

The agent finds the quote, converts it to an invoice, and sends it — all in one conversation.

Check Outstanding Payments¶

Ask your agent: "Who still owes us money?"

The agent lists all outstanding invoices with amounts, due dates, and client names.

Set Up Recurring Invoices¶

Ask your agent: "Set up a monthly $2,500 retainer invoice for DesignCo, starting January."

The agent creates the recurring invoice template with monthly scheduling.

Pricing¶

Platform fee: Free (no monthly subscription)
Payment processing: Standard Stripe fees (2.9% + $0.30 for cards; 0.8% cap for ACH)
No hidden costs: Pay only when you get paid

Repository & Resources¶

Resource	URL
GitHub	github.com/holdings-io/mcp
Website	getholdings.com/invoicing
npm	npmjs.com/package/@getholdings/mcp
Smithery	smithery.ai/servers/holdings/invoicing
MCP Registry	`com.getholdings/mcp`
MCP Endpoint	`https://mcp.getholdings.com/mcp`

Verdict: ★★★ — Essential for Freelancers & Small Business Operators¶

Holdings is the first MCP server that makes invoicing and payment collection an agent-native capability. The confirm-gated design (draft → preview → confirm → send) is exactly right for financial operations — the agent does the work, but you stay in control. Free pricing with no monthly fee removes the adoption barrier entirely.

Strengths: Free (no monthly fee), confirm-gated writes prevent errors, dual transport (stdio + HTTP), card + ACH support, quotes-to-invoices conversion, recurring invoices, MCP Registry listed.

Limitations: Brand new (0 stars, created Jul 2026), built on Stripe (requires Stripe account), limited to invoicing/payments (no expense tracking, no accounting), US-focused payment methods.

Best for: Freelancers, small agencies, consultants, and service businesses who invoice clients regularly and want to do it from within their AI assistant.