US 1099 Readiness Check — connector documentation

MCP endpoint: https://us-1099-check.connectorbay.com/mcp
REST API: POST https://us-1099-check.connectorbay.com/v1/tools/{tool_name}, described by the OpenAPI 3.1 spec at https://us-1099-check.connectorbay.com/openapi.json
Transport: Streamable HTTP, stateless, MCP specification 2025-06-18 or later
Authentication: none required. An optional Authorization: Bearer <key> raises rate limits.
Health: https://us-1099-check.connectorbay.com/health · Tool schemas: https://us-1099-check.connectorbay.com/tools.json
Publisher: Unify Dynamics LLC · connectorbay.com/us-1099-check · agent@connectorbay.com

What US 1099 Readiness Check is for

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 maps a payment kind to Form 1099-NEC, 1099-MISC or 1099-K. filing_dates computes furnish and file dates with the weekend shift. validate_ein_format checks the nine-digit EIN layout and the IRS prefix list offline, and rejects SSN-shaped values without echoing them. k_threshold_check tests the 1099-K trigger for marketplace and payment-app sellers. iris_precheck screens a batch for content problems before it is keyed or uploaded to the free IRIS portal. reporting_thresholds returns the reference table with sources and verification status. Read-only: nothing is filed, sent or stored, and no payee is looked up.

Ask your assistant things like:

"I paid a freelance designer $1,850 by ACH and $400 by check in 2026: do I need to send a 1099-NEC?"
"Here are my 2026 vendor payments so far: which payees are at or close to the 1099 threshold?"
"A new vendor sent me an EIN on their W-9: is it at least well-formed?"
"When are my 1099-NEC and 1099-MISC forms for 2026 due, and when do I have to e-file?"
"I sold $21,500 across 185 orders on a marketplace this year: will I get a 1099-K?"
"Before I enter my contractor 1099s into IRIS, can you check the TINs and amounts in this list?"

What it does

check_1099_required: Test one payee's payments for the year against the 1099-NEC/MISC threshold in force, with corporation and card-payment exceptions.
ytd_payee_status: Group a list of payment lines by payee and flag payees at or near the reporting threshold.
validate_ein_format: Check that a value has the nine-digit EIN layout and an IRS-listed two-digit prefix (no record lookup).
classify_form: Map a payment kind to Form 1099-NEC, 1099-MISC or 1099-K and state its threshold group and corporation rule.
filing_dates: Furnish and file dates for Form 1099-NEC and 1099-MISC for a payment year, with the weekend next-business-day shift.
k_threshold_check: Test a marketplace or payment-app seller's gross payments and transaction count against the 1099-K trigger.
iris_precheck: Content checks on a batch of 1099-NEC or 1099-MISC lines before they are keyed or uploaded to the IRIS portal.
reporting_thresholds: 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.

Data sources

Reference data from official sources (irs.gov); every answer states its source, date and validity period.

What it is not

US 1099 Readiness Check is independent; not affiliated with, endorsed by or operated by any government body, central bank, standards body or scheme operator. Names of rails, schemes and standards are used only to say what a tool works with. It is read-only: it never sends, pays, files or signs anything for you, and it never looks up private individuals.

Not advice. 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.

Built for: United States. Languages: English.

Tools

Look up & validate

check_1099_required — 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?". Args: payment_year, payments, payee_type.

validate_ein_format — 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?". Args: ein.

Reference & guides

ytd_payee_status — 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?". Args: payment_year, payments, near_pct.

classify_form — 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?". Args: payment_kind, paid_by.

filing_dates — 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?". Args: payment_year, form, total_returns, today.

k_threshold_check — 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?". Args: gross_payments, transaction_count.

iris_precheck — 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?". Args: tax_year, form, returns.

reporting_thresholds — 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?". Args: payment_year.

Conventions

Read-only. Every tool reads public data or computes; nothing is written anywhere and nothing about the user is stored.
Result envelope. ok: true with data, or ok: false with a structured error (bad_input, not_found, upstream_error). degraded lists optional sources that were unreachable.
Rate limits. Free tier 60 tool calls/minute and 300/day per user (keyed on the user identifier supplied by the host agent, else client IP); Pro keys raise this. Over-limit calls return HTTP 429 with Retry-After. initialize and tools/list are never counted.

Support

agent@connectorbay.com · connectorbay.com/us-1099-check/support