Now filing 1095-B and 1095-C for ACA reporting.Learn more →
    API Rails

    The compliance API and MCP server behind Plain Dot.

    API Rails exposes TIN matching, 1099 filing, W-9 collection, and Form 720 as REST endpoints and a hosted MCP server. Drop them into your product, internal tools, or agents — same uptime, audit trail, and compliance posture as our hosted service.

    99.99%
    gateway uptime — including IRS maintenance windows
    <1 sec
    median TIN match latency
    Idempotent
    by default — safe to retry, safe to replay
    14 tools
    in the hosted MCP server
    Developers build on us
    Banks, brokerages, marketplaces, and vertical SaaS build on us — putting compliance behind their own product.
    Savvy Bookkeep
    Don Pedro Financial
    What's exposed

    Every Platform capability, behind an API.

    TIN matching

    Real-time and bulk. Same engine as /tin-matching, called as a single API.

    1099 filing

    Create, correct, and track filings across the full 1099 family. IRIS A2A under the hood.

    W-9 collection

    Hosted W-9 flow or embedded component. Webhooks at every state transition.

    Form 720

    Quarterly excise filings, schedule attachments, credit tracking.

    Coming soon

    ACA 1095 filings. Form 2290. FinCEN BOI.

    Two ways to consume. One compliance posture.

    Wire it into your code or hand it to your agents. Same rate limits, same audit trail, same posture.

    REST API

    Drop endpoints into your code.

    REST endpoints, idempotent by default, with webhook callbacks for downstream automation. SDKs in Node, Python, and Go.

    • Idempotency keys on every write
    • Webhook callbacks at every state transition
    • Node, Python, Go SDKs
    • Sandbox keys, free and self-serve
    Good if you're building inside a product or internal tool.
    MCP server

    Safe, scoped access for your agents.

    Give agents safe, scoped access to the same capabilities. Works with Claude, ChatGPT, internal tools, and anything that speaks MCP.

    • 14 tools across the Platform family
    • Per-tenant scoping and rate limits
    • Same audit trail as the REST API
    • Identical pricing — agents pay no premium
    Good if your AI products take actions on a user's behalf.
    Who builds on us

    Built for the teams putting compliance behind their own surface.

    Banks

    TIN matching in KYB & onboarding.

    Drop the same API into account opening and merchant onboarding flows.

    Brokerages

    1099-INT, DIV, B, OID at scale.

    Year-end reporting embedded directly inside customer dashboards.

    Marketplaces

    Seller W-9 and annual 1099-K.

    Hosted W-9 collection on onboarding, automated 1099-K runs at year-end.

    Vertical SaaS

    1099 filing inside your product.

    Surface compliance inside accounting, invoicing, or payroll without rebuilding it.

    Internal tools

    Finance teams on our rails.

    Build your own dashboards and workflows on top of the same APIs we use.

    Agents & AI products

    MCP for compliance actions.

    Give agents safe, scoped, audited access to take compliance actions on a user's behalf.

    How it works

    From sandbox key to production in days, not months.

    01 · Authenticate

    Sandbox keys for free. Production after a quick call.

    Self-serve sandbox keys from the docs. Production keys after a short verification call to scope your rate limits and SLA tier.

    02 · Integrate

    REST endpoints or MCP server. Same SDK.

    Call REST endpoints or wire up the MCP server. The same SDK works in Node, Python, and Go.

    03 · Observe

    Webhooks, dashboards, audit trail.

    Webhooks for every state transition. Dashboard for usage, errors, and the full audit trail across REST and MCP.

    04 · Scale

    Volume tiers, SLAs, private cloud.

    Volume tiers, SLAs, and private-cloud deployment as you grow. Annual contracts available on Enterprise.

    Resilience

    Built so your integration never has a bad day because the IRS does.

    Idempotency, queued retries, per-tenant rate limits, and multi-region failover on the gateway — the plumbing you'd otherwise build yourself.

    • Idempotent writes
      Duplicate requests collapse to one record.
    • Queued during IRS outages
      Submissions replay automatically when service returns.
    • Per-tenant rate limits
      With burst capacity tuned per plan.
    • Multi-region failover
      On the gateway. Multi-region storage available on Enterprise.
    Developer-first

    One API. One MCP server. Both yours.

    REST is for the code you write. MCP is for the agents you ship. The audit trail doesn't care which one called.

    REST · Node
    const match = await fetch(
      "https://api.plaindot.com/v1/tin/match",
      {
        method: "POST",
        headers: {
          Authorization: `Bearer ${API_KEY}`
        },
        body: JSON.stringify({
          tin:  "12-3456789",
          name: "Acme Corp"
        })
      }
    );
    MCP · config
    {
      "mcpServers": {
        "plaindot": {
          "url": "https://mcp.plaindot.com/v1",
          "headers": {
            "Authorization": "Bearer ${API_KEY}"
          }
        }
      }
    }
    Pricing

    Pay for what you call. Same price across REST and MCP.

    Agents don't pay a premium. The MCP server and the REST API meter against the same line items.

    Pay as you go
    Metered

    Per-call pricing across every capability.

    • $0.10 per TIN match
    • $1.00 per 1099 filed
    • $0.50 per W-9 collected
    • Form 720 priced per quarter
    Get a sandbox key
    Volume · Tier 1
    10K–100K/month

    Discounted unit pricing with a webhook SLA.

    • Volume discounts across all APIs
    • Webhook delivery SLA
    • Priority support
    • Quarterly usage reviews
    Book demo
    Volume · Tier 2
    100K+/month

    Custom rate cards. Optional dedicated infra.

    • Custom unit pricing
    • Optional dedicated infrastructure
    • Dedicated solutions engineer
    • Joint capacity planning
    Book demo
    Enterprise
    Custom

    Annual contract, SLA, SSO, private cloud, custom integrations.

    • Annual contract & SLA
    • SSO + advanced audit log
    • Private cloud option
    • Custom integrations
    Talk to sales
    Customer outcomes

    Production integrations, in their own words.

    1 day
    to integrate

    "We dropped Plain Dot's TIN match into our onboarding API in an afternoon. The merchant-approval bottleneck disappeared the same week."

    VP Engineering
    Fintech
    100%
    inside our product

    "Our payroll product now files 1099s without anyone leaving our UI. Plain Dot is the rails; we own the surface."

    CTO
    Vertical SaaS
    MCP
    in production

    "Our internal AI agents call Plain Dot via MCP for every compliance action. We get the agent leverage and the audit trail in the same call."

    Head of Platform
    Marketplace
    FAQ

    Common questions about API Rails.

    Don't see your question? Send us a note.

    Security & compliance
    Same compliance posture across REST and MCP. Your agents don't get a different audit trail than your humans. Full security posture.
    SOC 2 Type II (in progress)ISO 27001TLS 1.3Encrypted at restMFA / SSOAudit log

    Build compliance into your product without rebuilding it.

    Get a sandbox key today. Read the docs. Ship by the end of the week.

    Start free