For Creditors

FixPayment MCP for Creditors

Connect your AI tools directly to the FixPayment creditor portal. Create accounts, update statuses, and run reports with your live FixPayment data.

Docs: https://fixpayment.org/mcp/fixpayment-mcp.html · MCP server: https://fixpayment.org:8000

What you can do

From your AI assistant, using plain English:

  • Create accounts (recovery or reminder) tied to your FixPayment creditor ID.
  • Update statuses to active, paid, settled, closed, etc.
  • Run portal-grade reports (accounts, payments, settlements, performance).
  • List accounts in bulk, without exposing debtor PII.

FastMCP server details

Built on FixPayment’s production payment resolution portal used daily by creditors to recover unpaid invoices.

Server name
fixpayment-cred-portal
Transport

Standard MCP (stdio or HTTP) using fastmcp in Python.

HTTPS MCP server URL

https://fixpayment.org:8000 (your workspace or tooling may use this URL when adding a custom MCP server).

Auth

Every tool takes an api_key argument. That key maps to a creditor_id and a plan in our database.

Works with

You can connect this server to any MCP-enabled AI assistant (for example Claude, or other tools that support custom MCP servers). Once connected, your assistant can call tools like create_account or accounts_report directly against your FixPayment data.

Scoped per creditor

Connect from Claude and other MCP assistants

Use FixPayment from Claude

  • “Create a reminder account for invoice INV‑2026‑00123 for $1,250 due next month.”
  • “Show me a status and balance summary for all my reminder accounts.”
  • “Close the account for debtor Jane Smith that was just fully paid.”

Claude turns these into MCP tool calls like create_account, accounts_report, and update_account_status against your FixPayment data.

What your MCP client does under the hood

Your MCP client sends simple JSON calls (tool name + arguments). You don’t have to hand‑craft them—once configured, the assistant does it for you.

Plans and tools

Two simple tiers. Every call requires an API key.

Basic (free)

basic
  • ping – connectivity and plan check.
  • get_plan_info – see which tools this key can use.
  • get_account_summary – status/type/balance for a single account.
  • list_accounts_basic – paginated list of accounts (no PII).
  • validate_account_payload – dry-run validation for creating accounts.
  • fp_risk_score – illustrative samples only (Yellow Corporation or Rite Aid). Free, not metered.
  • get_fp_risk_score_usage – read your running totals (all zeros on basic).

Wire up an AI assistant, preview the response schemas, and demo FP Risk Score — all at no cost.

API (pay-as-you-go)

api
  • Everything in Basic, plus:
  • fp_risk_score – live reports on any business. Metered at $5.00 per successful call.
  • accounts_report, payments_report, settlements_report, performance_report – same numbers as your creditor "Reports" page.
  • create_account, bulk_create_accounts, update_account_status, add_account_document – write into your creditor portal from your AI assistant.

No subscription. Your unbilled FP Risk Score balance is invoiced on your regular cycle.

FP Risk Score billing (API plan only)

On the API plan, fp_risk_score runs a live 0-100 risk analysis on any submitted business name and address. Pay-as-you-go, no monthly minimum.

Basic-plan keys can try fp_risk_score too, but always receive an illustrative sample — never a live, charged report.

How to use it from an AI app

  1. Get an API key from FixPayment.
  2. Add the MCP server in your AI tool.
    Use https://fixpayment.org:8000 (HTTPS) or your internal endpoint in the tool’s custom MCP server settings.
  3. Talk to your assistant.
    Ask it to create accounts, update statuses, or run FixPayment reports—it will call the MCP tools for you.

Security & scope

FixPayment’s MCP server is designed so that:

If an AI agent calls a tool above its plan, the server responds with a clear "plan required" error. Live FP Risk Score calls are metered for billing.