{"openapi":"3.1.0","info":{"title":"US 1099 Readiness Check API","version":"0.1.0","description":"US 1099 Readiness Check applies the IRS information-return rules to a small business's own payment totals. check_1099_required and ytd_payee_status test each payee's year-to-date payments against the threshold in force for the payment year ($600 through 2025, $2,000 from 2026), with the corporation exceptions and the card and payment-app carve-out modelled from the IRS instructions. classify_form...\n\nEvery operation is read-only or compute-only. The same tools are available over MCP (streamable HTTP) at https://us-1099-check.connectorbay.com/mcp.\n\nDisclaimer: General information only, not legal, tax, accounting or payment advice. US 1099 Readiness Check is an independent tool: it is not affiliated with, endorsed by or operated by any government body, central bank, standards body or scheme operator. Rates, thresholds and rules change; check the cited official source and confirm with a qualified professional before you rely on a result.","contact":{"name":"Unify Dynamics LLC","email":"agent@connectorbay.com","url":"https://connectorbay.com/us-1099-check/docs"},"termsOfService":"https://connectorbay.com/us-1099-check/terms"},"servers":[{"url":"https://us-1099-check.connectorbay.com"}],"externalDocs":{"url":"https://connectorbay.com/us-1099-check/docs"},"security":[{},{"bearer":[]}],"components":{"securitySchemes":{"bearer":{"type":"http","scheme":"bearer","description":"Optional. A Pro API key raises rate limits; no credentials are required."}},"schemas":{"Error":{"type":"object","properties":{"ok":{"const":false},"error":{"type":"object"}}}}},"paths":{"/v1/tools/check_1099_required":{"post":{"operationId":"check_1099_required","summary":"Test one payee's payments for the year against the 1099-NEC/MISC threshold in force for that payment year ($600 through ","description":"Test one payee's payments for the year against the 1099-NEC/MISC threshold in force for that payment year ($600 through 2025, $2,000 from 2026), with the corporation exception and the card and payment-network carve-out. Use for \"I paid a freelance designer $1,850 by ACH and $400 by check in 2026: do I need to send a 1099-NEC?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"payment_year":{"description":"Calendar year in which the payments were made (2025 or 2026)","title":"Payment Year","type":"integer"},"payments":{"description":"Payments made to ONE payee in that year: objects with kind (services, attorney_fees, rents, prizes_awards, other_income, medical_health_care, royalties), amount (plain US-dollar string such as 1850.00) and optional paid_by (check, ach, cash, payment_card, third_party_network, other)","items":{"additionalProperties":true,"type":"object"},"title":"Payments","type":"array"},"payee_type":{"default":"unknown","description":"Payee's tax classification as shown on its W-9: individual, sole_proprietor, partnership, llc_partnership_or_disregarded, corporation (C or S, including an LLC taxed as a corporation) or unknown","title":"Payee Type","type":"string"}},"required":["payment_year","payments"],"title":"check_1099_requiredArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/ytd_payee_status":{"post":{"operationId":"ytd_payee_status","summary":"Group a list of payment lines by payee and flag payees at or near the reporting threshold for the payment year. Use for ","description":"Group a list of payment lines by payee and flag payees at or near the reporting threshold for the payment year. Use for \"Here are my 2026 vendor payments so far: which payees are at or close to the 1099 threshold?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"payment_year":{"description":"Calendar year in which the payments were made (2025 or 2026)","title":"Payment Year","type":"integer"},"payments":{"description":"Payment lines: objects with payee (your own label), kind (services, attorney_fees, rents, prizes_awards, other_income, medical_health_care, royalties), amount (plain US-dollar string), optional paid_by and optional payee_type","items":{"additionalProperties":true,"type":"object"},"title":"Payments","type":"array"},"near_pct":{"default":80,"description":"A payee counts as near the threshold from this percentage of it upward (1 to 99)","title":"Near Pct","type":"integer"}},"required":["payment_year","payments"],"title":"ytd_payee_statusArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/validate_ein_format":{"post":{"operationId":"validate_ein_format","summary":"Check that a value has the nine-digit EIN layout and an IRS-listed two-digit prefix, with no record lookup. Use for \"A n","description":"Check that a value has the nine-digit EIN layout and an IRS-listed two-digit prefix, with no record lookup. Use for \"A new vendor sent me 12-3456789 on their W-9: is that at least a well-formed EIN?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"ein":{"description":"The EIN as supplied, with or without the hyphen (XX-XXXXXXX or nine digits). SSN-shaped values are rejected and never echoed","title":"Ein","type":"string"}},"required":["ein"],"title":"validate_ein_formatArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/classify_form":{"post":{"operationId":"classify_form","summary":"Map a payment kind to Form 1099-NEC, 1099-MISC or 1099-K and state its threshold group and corporation rule. Use for \"Wh","description":"Map a payment kind to Form 1099-NEC, 1099-MISC or 1099-K and state its threshold group and corporation rule. Use for \"Which 1099 form covers the rent I pay my landlord, and does it matter if the landlord is an LLC?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"payment_kind":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"services, attorney_fees, rents, prizes_awards, other_income, medical_health_care, royalties, merchandise_and_similar or personal_payment. Leave out to list every kind","title":"Payment Kind"},"paid_by":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"How the payment was made: check, ach, cash, payment_card, third_party_network or other. Card and payment-network payments are reported on Form 1099-K by the payment settlement entity","title":"Paid By"}},"title":"classify_formArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/filing_dates":{"post":{"operationId":"filing_dates","summary":"Furnish and file dates for Form 1099-NEC and 1099-MISC for a payment year, with the weekend next-business-day shift and ","description":"Furnish and file dates for Form 1099-NEC and 1099-MISC for a payment year, with the weekend next-business-day shift and the e-file trigger. Use for \"When are the 1099-NEC and 1099-MISC forms for my 2026 payments due?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"payment_year":{"description":"Calendar year in which the payments were made (2020 to 2040); the forms fall due in the following year","title":"Payment Year","type":"integer"},"form":{"default":"both","description":"1099-NEC, 1099-MISC or both","title":"Form","type":"string"},"total_returns":{"anyOf":[{"type":"integer"},{"type":"null"}],"default":null,"description":"Optional: how many information returns of all types you must file this year; 10 or more means electronic filing is required","title":"Total Returns"},"today":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Optional ISO date (YYYY-MM-DD) to count days from; defaults to today (UTC)","title":"Today"}},"required":["payment_year"],"title":"filing_datesArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/k_threshold_check":{"post":{"operationId":"k_threshold_check","summary":"Test a marketplace or payment-app seller's gross payments and transaction count against the Form 1099-K trigger of more ","description":"Test a marketplace or payment-app seller's gross payments and transaction count against the Form 1099-K trigger of more than $20,000 and more than 200 transactions. Use for \"I sold $21,500 across 185 orders on a marketplace this year: will I get a 1099-K?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"gross_payments":{"description":"Gross amount of reportable payment transactions received through the platform in the year, plain US-dollar string","title":"Gross Payments","type":"string"},"transaction_count":{"description":"Number of those transactions in the year","title":"Transaction Count","type":"integer"}},"required":["gross_payments","transaction_count"],"title":"k_threshold_checkArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/iris_precheck":{"post":{"operationId":"iris_precheck","summary":"Content checks on a batch of 1099-NEC or 1099-MISC lines (TIN layout, EIN prefix, amounts, duplicates, batch size) befor","description":"Content checks on a batch of 1099-NEC or 1099-MISC lines (TIN layout, EIN prefix, amounts, duplicates, batch size) before they are keyed or uploaded to the IRIS portal. Use for \"Before I enter my contractor 1099s into IRIS, can you check the TINs, names and amounts in this list?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"tax_year":{"description":"Tax year of the returns, equal to the payment year (2025 or 2026)","title":"Tax Year","type":"integer"},"form":{"description":"1099-NEC or 1099-MISC","title":"Form","type":"string"},"returns":{"description":"Lines to check: objects with payee_name, tin (EIN, SSN or ITIN as supplied; only the last four digits are ever echoed), amount, and optional tin_type (EIN, SSN or ITIN) and payment_kind","items":{"additionalProperties":true,"type":"object"},"title":"Returns","type":"array"}},"required":["tax_year","form","returns"],"title":"iris_precheckArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/reporting_thresholds":{"post":{"operationId":"reporting_thresholds","summary":"The 1099 reference table: NEC/MISC thresholds by payment year, e-file trigger, 1099-K trigger, backup withholding rate a","description":"The 1099 reference table: NEC/MISC thresholds by payment year, e-file trigger, 1099-K trigger, backup withholding rate and IRIS limits, each with source and verification status. Use for \"What is the 1099 reporting threshold for 2025 versus 2026, and does it change in 2027?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"payment_year":{"anyOf":[{"type":"integer"},{"type":"null"}],"default":null,"description":"Optional payment year to show (2025 or later); leave out for the whole table","title":"Payment Year"}},"title":"reporting_thresholdsArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}}}}