A hosted MCP server for collections

tools/call request

POST https://www.duebay.com/api/mcp
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "compute_late_fee",
    "arguments": {
      "balance_cents": 250000,
      "due_date": "2026-06-01",
      "as_of": "2026-07-15",
      "state": "CA",
      "terms": {
        "type": "percent_monthly",
        "value": 1.5,
        "grace_days": 5
      }
    }
  }
}

response

{
  "jsonrpc": "2.0",
  "id": 1,
  "result": {
    "content": [
      {
        "type": "text",
        "text": "{\"data\":{\"fee_cents\":4839,\"fee\":48.39,\"basis\":\"ok\",\"days_overdue\":44,\"chargeable_days\":39,\"derivation\":[\"Invoice was due Jun 1, 2026; as of Jul 15, 2026 it is 44 days overdue.\",\"Minus the 5-day grace period agreed on the invoice: 39 chargeable days.\",\"Agreed rate: 1.5% per month, accrued per calendar month (not annualized to a daily rate).\",\"Chargeable period Jun 6, 2026 to Jul 15, 2026 = 1 full month + 9 days of a 31-day month = 1.2903 months.\",\"$2,500.00 x 1.5% x 1.2903 months = $48.39 (simple interest, not compounded).\",\"California law on agreed rates: Yes, subject to the constitutional usury limits of art. XV, § 1: for loans/forbearances NOT primarily for personal, family, or household purposes (i.e., business/commercial), the cap is the higher of 10% per annum or 5% over the Federal Reserve Bank of San Francisco discount rate (set as of the 25th day before the loan); consumer-purpose loans are capped at 10%. Exemptions swallow much of the rule: banks, savings associations, credit unions, industrial loan companies, licensed pawnbrokers, real-estate-broker-arranged loans secured by realty, and other statutorily exempt classes are not subject to the caps. Note usury law applies to loans/forbearances - bona fide trade credit and agreed charges on sales invoices are generally analyzed as forbearance only if credit is extended on an overdue debt. (Cal. Const. art. XV, § 1). Check your agreed rate against this before charging.\"],\"statute\":{\"state_code\":\"CA\",\"state_name\":\"California\",\"legal_interest_rate_pct\":10,\"interest_rate_citation\":\"Cal. Civ. Code § 3289(b); Cal. Const. art. XV, § 1\",\"interest_rate_summary\":\"For breach of contract - the situation covering overdue B2B invoices - Civ. Code § 3289(b) provides that if a contract entered into after Jan. 1, 1986 does not stipulate a rate, the obligation bears interest at 10% per annum after breach (excludes notes secured by real-property deeds of trust); a contractually stipulated lawful rate keeps running after breach (§ 3289(a)). Separately, the constitutional default \\\"legal rate\\\" for loans/forbearances generally is 7% per annum (art. XV, § 1). Both verified on the official leginfo.legislature.ca.gov site.\",\"contract_rate_summary\":\"Yes, subject to the constitutional usury limits of art. XV, § 1: for loans/forbearances NOT primarily for personal, family, or household purposes (i.e., business/commercial), the cap is the higher of 10% per annum or 5% over the Federal Reserve Bank of San Francisco discount rate (set as of the 25th day before the loan); consumer-purpose loans are capped at 10%. Exemptions swallow much of the rule: banks, savings associations, credit unions, industrial loan companies, licensed pawnbrokers, real-estate-broker-arranged loans secured by realty, and other statutorily exempt classes are not subject to the caps. Note usury law applies to loans/forbearances - bona fide trade credit and agreed charges on sales invoices are generally analyzed as forbearance only if credit is extended on an overdue debt.\",\"contract_rate_citation\":\"Cal. Const. art. XV, § 1\",\"prompt_payment_scope\":\"public+private-construction\",\"prompt_payment_rate_summary\":\"Public: California Prompt Payment Act (Gov. Code § 927 et seq.) - state agencies must pay undisputed invoices within 45 days of receipt or pay late-payment penalties (must dispute within 15 working days; enhanced penalties for small businesses). Private construction: Civ. Code § 8800 - owner must pay undisputed progress payments within 30 days of demand; violation carries a penalty of 2% per month on the amount wrongfully withheld in lieu of interest, plus prevailing-party attorney fees; owner may withhold up to 150% of a good-faith disputed amount. Related contractor-to-subcontractor prompt-pay provisions exist across the construction codes. No general private non-construction commercial prompt-pay act.\",\"prompt_payment_citation\":\"Cal. Gov. Code § 927 et seq.; Cal. Civ. Code § 8800\",\"late_fee_notes\":\"Flat late fees on commercial invoices are enforceable if they satisfy California's liquidated-damages doctrine (reasonable, not a penalty; California law presumptively favors liquidated-damages clauses in non-consumer contracts). In construction, the 2%/month prompt-payment penalty regime supplies the remedy for wrongful withholding. Interest-style late charges on trade credit can implicate usury as a \\\"forbearance\\\" if the transaction is recharacterized as a loan - the business-purpose cap (higher of 10% or FRBSF discount +5%) is the relevant ceiling for non-exempt creditors.\",\"sources\":[\"https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&sectionNum=3289\",\"https://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CONS&article=XV\",\"https://calconstructionlawblog.com/2013/07/09/an-overview-of-californias-prompt-payment-laws/\",\"https://www.levelset.com/prompt-payment/california-prompt-payment-faqs/\",\"https://law.justia.com/codes/california/2010/civ/8800-8802.html\"],\"confidence\":\"high\"},\"balance_cents\":250000,\"due_date\":\"2026-06-01\",\"as_of\":\"2026-07-15\",\"terms\":{\"type\":\"percent_monthly\",\"value\":1.5,\"grace_days\":5},\"statute_disclaimer\":\"Informational summary of state and federal statutes as researched on the sources listed per entry; not legal advice - verify current law with licensed counsel before relying on any rate or citation.\"},\"request_id\":\"req_1f2e3d4c5b6a79880911aabb\"}"
      }
    ]
  }
}

tools/call request

POST https://www.duebay.com/api/mcp
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "draft_dunning_sequence",
    "arguments": {
      "customer_name": "Acme Ltd",
      "business_name": "Beech Studio",
      "invoice_number": "INV-1042",
      "amount_cents": 250000,
      "due_date": "2026-06-01",
      "as_of": "2026-07-15",
      "payment_url": "https://pay.example.com/inv-1042",
      "tone": "firm"
    }
  }
}

response

{
  "jsonrpc": "2.0",
  "id": 1,
  "result": {
    "content": [
      {
        "type": "text",
        "text": "{\"data\":{\"sequence\":\"Standard chase\",\"as_of\":\"2026-07-15\",\"days_overdue\":44,\"drafts\":[{\"tone\":\"firm\",\"offset_days\":14,\"send_on\":\"2026-06-15\",\"subject\":\"Second notice: invoice INV-1042 is 44 days overdue\",\"body\":\"Hi Acme Ltd,\\n\\nThis is a second reminder about invoice INV-1042 for $2,500.00, now 44 days past its Jun 1, 2026 due date.\\n\\nWe'd like to get this resolved this week. If there's a problem with the invoice or you need to discuss timing, reply to this email and we'll work it out.\\n\\nPay online: https://pay.example.com/inv-1042\\n\\nRegards,\\nBeech Studio\"}],\"note\":\"These are drafts. Nothing was sent: sending goes through POST /api/v1/invoices/{id}/remind (paid plans) or your own email tooling.\"},\"request_id\":\"req_1f2e3d4c5b6a79880911aabb\"}"
      }
    ]
  }
}

tools/call request

POST https://www.duebay.com/api/mcp
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "get_late_fee_statute",
    "arguments": {
      "state": "CA"
    }
  }
}

response

{
  "jsonrpc": "2.0",
  "id": 1,
  "result": {
    "content": [
      {
        "type": "text",
        "text": "{\"data\":{\"statute\":{\"state_code\":\"CA\",\"state_name\":\"California\",\"legal_interest_rate_pct\":10,\"interest_rate_citation\":\"Cal. Civ. Code § 3289(b); Cal. Const. art. XV, § 1\",\"interest_rate_summary\":\"For breach of contract - the situation covering overdue B2B invoices - Civ. Code § 3289(b) provides that if a contract entered into after Jan. 1, 1986 does not stipulate a rate, the obligation bears interest at 10% per annum after breach (excludes notes secured by real-property deeds of trust); a contractually stipulated lawful rate keeps running after breach (§ 3289(a)). Separately, the constitutional default \\\"legal rate\\\" for loans/forbearances generally is 7% per annum (art. XV, § 1). Both verified on the official leginfo.legislature.ca.gov site.\",\"contract_rate_summary\":\"Yes, subject to the constitutional usury limits of art. XV, § 1: for loans/forbearances NOT primarily for personal, family, or household purposes (i.e., business/commercial), the cap is the higher of 10% per annum or 5% over the Federal Reserve Bank of San Francisco discount rate (set as of the 25th day before the loan); consumer-purpose loans are capped at 10%. Exemptions swallow much of the rule: banks, savings associations, credit unions, industrial loan companies, licensed pawnbrokers, real-estate-broker-arranged loans secured by realty, and other statutorily exempt classes are not subject to the caps. Note usury law applies to loans/forbearances - bona fide trade credit and agreed charges on sales invoices are generally analyzed as forbearance only if credit is extended on an overdue debt.\",\"contract_rate_citation\":\"Cal. Const. art. XV, § 1\",\"prompt_payment_scope\":\"public+private-construction\",\"prompt_payment_rate_summary\":\"Public: California Prompt Payment Act (Gov. Code § 927 et seq.) - state agencies must pay undisputed invoices within 45 days of receipt or pay late-payment penalties (must dispute within 15 working days; enhanced penalties for small businesses). Private construction: Civ. Code § 8800 - owner must pay undisputed progress payments within 30 days of demand; violation carries a penalty of 2% per month on the amount wrongfully withheld in lieu of interest, plus prevailing-party attorney fees; owner may withhold up to 150% of a good-faith disputed amount. Related contractor-to-subcontractor prompt-pay provisions exist across the construction codes. No general private non-construction commercial prompt-pay act.\",\"prompt_payment_citation\":\"Cal. Gov. Code § 927 et seq.; Cal. Civ. Code § 8800\",\"late_fee_notes\":\"Flat late fees on commercial invoices are enforceable if they satisfy California's liquidated-damages doctrine (reasonable, not a penalty; California law presumptively favors liquidated-damages clauses in non-consumer contracts). In construction, the 2%/month prompt-payment penalty regime supplies the remedy for wrongful withholding. Interest-style late charges on trade credit can implicate usury as a \\\"forbearance\\\" if the transaction is recharacterized as a loan - the business-purpose cap (higher of 10% or FRBSF discount +5%) is the relevant ceiling for non-exempt creditors.\",\"sources\":[\"https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&sectionNum=3289\",\"https://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=CONS&article=XV\",\"https://calconstructionlawblog.com/2013/07/09/an-overview-of-californias-prompt-payment-laws/\",\"https://www.levelset.com/prompt-payment/california-prompt-payment-faqs/\",\"https://law.justia.com/codes/california/2010/civ/8800-8802.html\"],\"confidence\":\"high\"}},\"request_id\":\"req_1f2e3d4c5b6a79880911aabb\"}"
      }
    ]
  }
}

tools/call request

POST https://www.duebay.com/api/mcp
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "get_ar_aging",
    "arguments": {}
  }
}

response

{
  "jsonrpc": "2.0",
  "id": 1,
  "result": {
    "content": [
      {
        "type": "text",
        "text": "{\"data\":{\"as_of\":\"2026-07-15\",\"total_outstanding_cents\":419000,\"overdue_cents\":330000,\"overdue_invoice_count\":2,\"open_invoice_count\":3,\"buckets\":[{\"key\":\"current\",\"label\":\"Current\",\"amount_cents\":89000,\"invoice_count\":1},{\"key\":\"d1_30\",\"label\":\"1-30 days\",\"amount_cents\":80000,\"invoice_count\":1},{\"key\":\"d31_60\",\"label\":\"31-60 days\",\"amount_cents\":250000,\"invoice_count\":1},{\"key\":\"d61_90\",\"label\":\"61-90 days\",\"amount_cents\":0,\"invoice_count\":0},{\"key\":\"d90_plus\",\"label\":\"91+ days\",\"amount_cents\":0,\"invoice_count\":0}],\"largest_overdue\":{\"invoice_number\":\"INV-1042\",\"customer_name\":\"Acme Ltd\",\"amount_cents\":250000,\"days_overdue\":44},\"dso\":{\"days\":83.1,\"period_days\":91,\"formula\":\"DSO = (accounts receivable / credit sales in period) x days in period\",\"method\":\"Simple method over the trailing 91 days: receivables outstanding as of the report date, divided by the total value of invoices issued in the trailing 91 days (the closest available proxy for credit sales), times 91.\"}},\"request_id\":\"req_1f2e3d4c5b6a79880911aabb\"}"
      }
    ]
  }
}