Deposits MCP

Security and retainer deposits per client: hold them, apply them to invoices, refund them.

Documentation

mcp-deposits

MCP server for security and retainer deposits. Security and retainer deposits, held per client, on the same engine as your invoices.

Works with Claude Desktop, Claude Code, Cursor and any Model Context Protocol client. Runs on your own machine, or hosted with no install.

Product page: https://mcp.zovo.one/s/deposits — what it does, the tools it exposes, and a live token endpoint.

Install

Hosted, nothing to install. Get a token from https://mcp.zovo.one/mcp/connect (the connect page) or https://mcp.zovo.one/mcp/token (the same token as JSON); a free anonymous one is issued on the spot and a Pro key works the same way. Then point an MCP client at https://mcp.zovo.one/mcp/deposits over streamable-http and send the token as Authorization: Bearer <token>.

If your client cannot set headers, put the token in the path instead: https://mcp.zovo.one/mcp/deposits/t/<token>. Both forms work. The bare URL with no token answers 401 on tools/call, so the token is not optional.

Claude Desktop, one click. Download deposits.mcpb from the latest release and double-click it.

From source. The mirror is self-contained: every @theluckystrike/* dependency is vendored, so a fresh clone builds with no extra setup.

git clone https://github.com/theluckystrike/mcp-deposits.git
cd mcp-deposits
npm install && npm run build

Then point your client at the built entry point:

{
  "mcpServers": {
    "deposits": {
      "command": "node",
      "args": ["/absolute/path/to/mcp-deposits/dist/index.js"]
    }
  }
}

@theluckystrike/mcp-deposits is not published on npm yet, so an npx -y @theluckystrike/mcp-deposits command will fail. The three paths above are the working ones and each is exercised by CI.

deposits demo

Read-only mirror of mcp-servers/servers/deposits. See MIRROR.md.

Security and retainer deposits, held per client, on the same engine as your invoices.

A deposit is the client's money sitting on your account. It has to be recorded when it arrives, set against an invoice when the work is billed, given back when it is not, and answered for at any point in between: how much of theirs are you holding, in which currency, since when. This server does those four things, against the invoices and the clients the mcp-invoice server already holds. When a deposit is applied to an invoice, the payment is recorded on that invoice, so invoice_list and overdue_report stop chasing money you already have. Everything stays on your machine.

Built on @theluckystrike/mcp-invoice/lib for the money, currency and store code, and on @theluckystrike/mcp-billing-docs/lib for the A4 page, so a deposit statement looks like the credit note and the invoice next to it and agrees with them to the minor unit.

In the official MCP Registry (io.github.theluckystrike/deposits).

npm publish for @theluckystrike/mcp-deposits is pending, so npx -y @theluckystrike/mcp-deposits returns 404 today. Until then, the .mcpb one-click bundle or a clone+build is the working path.

Install

Claude Desktop (claude_desktop_config.json):

{
  "mcpServers": {
    "deposits": {
      "command": "npx",
      "args": ["-y", "@theluckystrike/mcp-deposits"]
    }
  }
}

Claude Code:

claude mcp add deposits -- npx -y @theluckystrike/mcp-deposits

Cursor (.cursor/mcp.json):

{
  "mcpServers": {
    "deposits": {
      "command": "npx",
      "args": ["-y", "@theluckystrike/mcp-deposits"]
    }
  }
}

Run mcp-invoice alongside it: this server reads that server's invoices and clients, writes the payment an applied deposit makes onto the invoice, and both take their name, address, VAT id and default currency from one shared business profile.

Tools

tool	what it does
`deposit_record`	Record a security or retainer deposit received: amount in minor units, currency, date, reference
`deposit_list`	Every deposit with received, applied, refunded and held. Filter by client, status, kind or date
`deposit_apply`	Apply part or all of a held deposit to an invoice, as a payment on that invoice
`deposit_refund`	Give part or all of a held deposit back, with the date and the method
`deposit_delete`	Remove a deposit recorded by mistake, if none of it was ever applied or refunded
`deposit_balance`	What is held, per client and per currency: received, applied, refunded, held
`deposit_statement_text`	The plain-text statement to paste into an email
`deposit_statement_pdf`	The A4 PDF, titled DEPOSIT STATEMENT (Pro)
`deposits_report`	Held per currency, the oldest held deposits, and what has sat unapplied for N days (Pro)
`license_status`, `license_activate`	Free or Pro, and how to upgrade

One resource, deposits://held, and one prompt, settle_deposits.

Free vs Pro

	Free	Pro
Deposits recorded per calendar month	5	Unlimited
Applying to invoices, refunds, balances, lists	Yes, unlimited	Yes
`deposit_delete` for a deposit that never moved money	Yes, unlimited	Yes
`deposit_statement_text`	Yes, unlimited	Yes
`deposit_statement_pdf`	No	Yes, plus your logo and no footer credit
`deposits_report`	No	Yes

The free cap is on recording new deposits only. Money already held can always be applied, refunded and accounted for, on any tier: a limit that trapped a client's deposit would be a limit on their money, not on yours.

The cap counts the deposits stored with a received date in that month, so deposit_delete gives the slot straight back: a deposit typed in twice or with the wrong amount costs nothing but the id. deposit_record also refuses a deposit that matches one already stored on client, amount, currency, kind, received date and reference, names that id and stores nothing, so the same money is never held twice and no free slot is spent on a retry.

Get Pro: https://mcp.zovo.one/buy/deposits ($19 one-time for this server, $39 for the bundle).

A measured thing

The invoice server's own payment tool SETS the amount paid, so routing a deposit through it erases the payment that came before. Measured against servers/invoice/dist/index.js on a EUR 1,000.00 invoice: invoice_mark_paid {amount: 200} for a bank transfer, then invoice_mark_paid {amount: 300} for the deposit, leaves paid_minor at 30000 and the reply reads "balance due EUR 700.00". The EUR 200.00 that actually arrived is gone from the record, and the client gets chased for it.

deposit_apply writes the same three fields on the same record, paid_minor, paid_date, status, but ADDS: the same two payments leave paid_minor at 50000 and a balance due of EUR 500.00. Asserted in test/unit.test.mjs, "a second application ADDS to paid_minor, it does not replace it".

The general form: a store shared between two servers is safe to write only if you have read how the owning server writes it. The field names matching is not the contract; the arithmetic on them is.

Privacy

All data stays local: ${XDG_DATA_HOME:-~/.local/share}/mcp-servers/deposits/. No account, no API key, no network call, ever. Licence keys are verified offline.

Built by theluckystrike. Support: support@zovo.one

Use these docs as an MCP server

Any MCP client (Claude, Cursor, Windsurf, VS Code) can read this repository's documentation directly via GitMCP — no install:

Docs MCP URL: https://gitmcp.io/theluckystrike/mcp-deposits