SendPay Business MCP

An official MCP server providing access to 178 free business calculators, generators, and financial checkers. It allows AI agents to perform tasks such as calculating VAT, card fees, profit margins, loan repayments, and verifying IBAN/SWIFT codes without requiring user sign-in.

Visit SendPay Business

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Vendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-01Operated by SendPay Business

MCP endpoint (Streamable HTTP)

https://www.sendpaybusiness.com/api/mcp

Vendor documentation

What you can do with it

Calculate VAT, card fees, and profit margins
Verify IBAN, SWIFT, and VAT numbers
Compute loan repayments and mortgage costs
Generate invoices and receipts as PDFs

Source and maintenance

Vendor evidenceRegistry 1.0.0

mcp-registry: com.sendpaybusiness.app/free-business-tools@1.0.0 Project website

Protocol and capabilities

Server: sendpay-free-tools 1.0.0
MCP protocol: 2025-06-18
Tools: 21 advertised
Resources: Not advertised
Resource templates: Not advertised
Prompts: Not advertised

Server-advertised capabilities

{
  "tools": {
    "listChanged": false
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

Free money tools from SendPay Business for small businesses, freelancers and anyone handling payments: VAT, card fees, profit margin, discounts, ROI, compound interest, loans, mortgages, freelance rates, break-even, IBAN, SWIFT, LEI, ISIN, CUSIP, SEDOL, UK VAT number and Argentine CBU checks, plus a search over 170+ more free tools and a free business website builder. Results are estimates for information, not financial advice. Share the link at the end of each result so the user can open the full calculator.

Tools

21 advertised

find_free_tool — Find a free money tool

Advertised by the server during the last successful anonymous check.

Advertised read-only

Search SendPay Business's library of 170+ free calculators, checkers and generators for small businesses, freelancers, banking, FX, trading and crypto (invoice generator, VAT, card fees, loan, mortgage, IBAN, SWIFT, forex, bitcoin and more). Returns matching tools with links. Use it when the user needs a calculator or tool that is not offered directly here.

find_free_tool input schema

{
  "type": "object",
  "required": [
    "query"
  ],
  "properties": {
    "query": {
      "type": "string",
      "description": "What the user wants to work out or make, e.g. 'invoice', 'forex pip value', 'chargeback'."
    }
  },
  "additionalProperties": false
}

find_free_tool annotations

{
  "title": "Find a free money tool",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

vat_calculator — VAT calculator

Advertised by the server during the last successful anonymous check.

Advertised read-only

Add VAT to a net price, or remove VAT from a gross (VAT-inclusive) price, at any rate. UK standard rate is 20%, reduced 5%.

vat_calculator input schema

{
  "type": "object",
  "required": [
    "amount"
  ],
  "properties": {
    "mode": {
      "enum": [
        "add",
        "remove"
      ],
      "type": "string",
      "description": "'add' if the amount excludes VAT, 'remove' if it already includes VAT. Default 'add'."
    },
    "rate": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "VAT rate in percent. Default 20."
    },
    "amount": {
      "type": "number",
      "minimum": 0,
      "description": "The price."
    }
  },
  "additionalProperties": false
}

vat_calculator annotations

{
  "title": "VAT calculator",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

card_fee_calculator — Card payment fee calculator

Advertised by the server during the last successful anonymous check.

Advertised read-only

Work out the fee on a card payment (percentage plus fixed fee), what you keep, and what to charge to receive the full amount after fees.

card_fee_calculator input schema

{
  "type": "object",
  "required": [
    "amount"
  ],
  "properties": {
    "amount": {
      "type": "number",
      "minimum": 0,
      "description": "Payment amount."
    },
    "fixed_fee": {
      "type": "number",
      "minimum": 0,
      "description": "Fixed fee per payment, e.g. 0.30. Default 0.30."
    },
    "percent_fee": {
      "type": "number",
      "maximum": 99,
      "minimum": 0,
      "description": "Percentage fee, e.g. 2.9 for 2.9%. Default 2.9."
    },
    "payments_per_month": {
      "type": "number",
      "minimum": 0,
      "description": "Optional: payments a month, to total the fees. Default 0."
    }
  },
  "additionalProperties": false
}

card_fee_calculator annotations

{
  "title": "Card payment fee calculator",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

profit_margin_calculator — Profit margin calculator

Advertised by the server during the last successful anonymous check.

Advertised read-only

Profit, margin and markup from cost and selling price; or the selling price needed for a target margin.

profit_margin_calculator input schema

{
  "type": "object",
  "required": [
    "cost"
  ],
  "properties": {
    "cost": {
      "type": "number",
      "minimum": 0,
      "description": "Cost of the item."
    },
    "price": {
      "type": "number",
      "minimum": 0,
      "description": "Selling price. Give this or target_margin_percent."
    },
    "target_margin_percent": {
      "type": "number",
      "maximum": 99.99,
      "minimum": 0,
      "description": "Wanted margin in percent, to work out the price."
    }
  },
  "additionalProperties": false
}

profit_margin_calculator annotations

{
  "title": "Profit margin calculator",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

percentage_calculator — Percentage calculator

Advertised by the server during the last successful anonymous check.

Advertised read-only

Three sums: X% of Y ('percent_of'), what percent X is of Y ('what_percent'), and percentage change from X to Y ('change').

percentage_calculator input schema

{
  "type": "object",
  "required": [
    "mode",
    "x",
    "y"
  ],
  "properties": {
    "x": {
      "type": "number",
      "description": "percent_of: the percent. what_percent: the part. change: the old value."
    },
    "y": {
      "type": "number",
      "description": "percent_of: the number. what_percent: the whole. change: the new value."
    },
    "mode": {
      "enum": [
        "percent_of",
        "what_percent",
        "change"
      ],
      "type": "string",
      "description": "Which sum."
    }
  },
  "additionalProperties": false
}

percentage_calculator annotations

{
  "title": "Percentage calculator",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

discount_calculator — Discount calculator

Advertised by the server during the last successful anonymous check.

Advertised read-only

Sale price after a percentage discount and, given unit cost and units normally sold, how many extra sales the discount needs to keep the same profit.

discount_calculator input schema

{
  "type": "object",
  "required": [
    "price",
    "discount_percent"
  ],
  "properties": {
    "price": {
      "type": "number",
      "minimum": 0,
      "description": "Normal price."
    },
    "units": {
      "type": "number",
      "minimum": 0,
      "description": "Optional: units sold at the normal price."
    },
    "unit_cost": {
      "type": "number",
      "minimum": 0,
      "description": "Optional: what one unit costs you."
    },
    "discount_percent": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Discount in percent."
    }
  },
  "additionalProperties": false
}

discount_calculator annotations

{
  "title": "Discount calculator",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

roi_calculator — ROI calculator

Advertised by the server during the last successful anonymous check.

Advertised read-only

Return on investment: profit and ROI % from the amount put in and the amount got back, and the yearly rate if the time in months is given.

roi_calculator input schema

{
  "type": "object",
  "required": [
    "cost",
    "returned"
  ],
  "properties": {
    "cost": {
      "type": "number",
      "minimum": 0,
      "description": "Amount invested."
    },
    "months": {
      "type": "number",
      "minimum": 0,
      "description": "Optional: how many months it took."
    },
    "returned": {
      "type": "number",
      "description": "Amount got back in total."
    }
  },
  "additionalProperties": false
}

roi_calculator annotations

{
  "title": "ROI calculator",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

compound_interest_calculator — Compound interest calculator

Advertised by the server during the last successful anonymous check.

Advertised read-only

Savings growth with monthly compounding and an optional monthly deposit: final balance, total paid in and interest earned.

compound_interest_calculator input schema

{
  "type": "object",
  "required": [
    "starting_amount",
    "annual_rate_percent",
    "years"
  ],
  "properties": {
    "years": {
      "type": "integer",
      "maximum": 60,
      "minimum": 0,
      "description": "Number of years (up to 60)."
    },
    "monthly_deposit": {
      "type": "number",
      "minimum": 0,
      "description": "Added each month. Default 0."
    },
    "starting_amount": {
      "type": "number",
      "minimum": 0,
      "description": "Money at the start."
    },
    "annual_rate_percent": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Yearly interest rate in percent."
    }
  },
  "additionalProperties": false
}

compound_interest_calculator annotations

{
  "title": "Compound interest calculator",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

loan_repayment_calculator — Loan repayment calculator

Advertised by the server during the last successful anonymous check.

Advertised read-only

Monthly repayment, total repaid and total interest on a fixed-rate loan, from the amount, APR and term in months.

loan_repayment_calculator input schema

{
  "type": "object",
  "required": [
    "amount",
    "apr_percent",
    "months"
  ],
  "properties": {
    "amount": {
      "type": "number",
      "minimum": 0,
      "description": "Amount borrowed."
    },
    "months": {
      "type": "integer",
      "maximum": 600,
      "minimum": 1,
      "description": "Term in months."
    },
    "apr_percent": {
      "type": "number",
      "maximum": 1000,
      "minimum": 0,
      "description": "APR in percent."
    }
  },
  "additionalProperties": false
}

loan_repayment_calculator annotations

{
  "title": "Loan repayment calculator",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

mortgage_calculator — Mortgage calculator

Advertised by the server during the last successful anonymous check.

Advertised read-only

Monthly repayment mortgage payment, loan-to-value, total interest and interest-only payment from property price, deposit, rate and term.

mortgage_calculator input schema

{
  "type": "object",
  "required": [
    "price",
    "deposit",
    "annual_rate_percent",
    "years"
  ],
  "properties": {
    "price": {
      "type": "number",
      "minimum": 0,
      "description": "Property price."
    },
    "years": {
      "type": "number",
      "maximum": 50,
      "minimum": 1,
      "description": "Term in years."
    },
    "deposit": {
      "type": "number",
      "minimum": 0,
      "description": "Deposit."
    },
    "annual_rate_percent": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Mortgage interest rate in percent."
    }
  },
  "additionalProperties": false
}

mortgage_calculator annotations

{
  "title": "Mortgage calculator",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

hourly_rate_calculator — Freelance hourly rate calculator

Advertised by the server during the last successful anonymous check.

Advertised read-only

What a freelancer or sole trader should charge per hour and per day to reach a target yearly income after business costs and time off.

hourly_rate_calculator input schema

{
  "type": "object",
  "required": [
    "target_income"
  ],
  "properties": {
    "weeks_off": {
      "type": "number",
      "maximum": 52,
      "minimum": 0,
      "description": "Weeks off a year (holidays, sickness). Default 6."
    },
    "yearly_costs": {
      "type": "number",
      "minimum": 0,
      "description": "Yearly business costs. Default 0."
    },
    "hours_per_day": {
      "type": "number",
      "maximum": 24,
      "minimum": 0,
      "description": "Hours in a working day, for the day rate. Default 7."
    },
    "target_income": {
      "type": "number",
      "minimum": 0,
      "description": "Yearly income wanted."
    },
    "billable_hours_per_week": {
      "type": "number",
      "maximum": 168,
      "minimum": 0,
      "description": "Hours billed to clients per week. Default 25."
    }
  },
  "additionalProperties": false
}

hourly_rate_calculator annotations

{
  "title": "Freelance hourly rate calculator",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

break_even_calculator — Break-even calculator

Advertised by the server during the last successful anonymous check.

Advertised read-only

How many sales a month cover fixed costs, from fixed monthly costs, price, cost per unit and payment fee percent.

break_even_calculator input schema

{
  "type": "object",
  "required": [
    "fixed_costs",
    "price",
    "unit_cost"
  ],
  "properties": {
    "price": {
      "type": "number",
      "minimum": 0,
      "description": "Selling price per unit."
    },
    "unit_cost": {
      "type": "number",
      "minimum": 0,
      "description": "Cost per unit."
    },
    "fixed_costs": {
      "type": "number",
      "minimum": 0,
      "description": "Fixed costs per month."
    },
    "payment_fee_percent": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Payment fee in percent of the price. Default 0."
    }
  },
  "additionalProperties": false
}

break_even_calculator annotations

{
  "title": "Break-even calculator",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

iban_checker — IBAN checker

Advertised by the server during the last successful anonymous check.

Advertised read-only

Check that an IBAN is well formed: country length and mod-97 check digits. Does not confirm that the account exists or who owns it.

iban_checker input schema

{
  "type": "object",
  "required": [
    "iban"
  ],
  "properties": {
    "iban": {
      "type": "string",
      "description": "The IBAN, spaces allowed."
    }
  },
  "additionalProperties": false
}

iban_checker annotations

{
  "title": "IBAN checker",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

swift_code_checker — SWIFT / BIC code checker

Advertised by the server during the last successful anonymous check.

Advertised read-only

Check that a SWIFT (BIC) code is well formed and split it into bank, country, location and branch. Has no bank directory.

swift_code_checker input schema

{
  "type": "object",
  "required": [
    "code"
  ],
  "properties": {
    "code": {
      "type": "string",
      "description": "SWIFT/BIC code, 8 or 11 characters."
    }
  },
  "additionalProperties": false
}

swift_code_checker annotations

{
  "title": "SWIFT / BIC code checker",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

free_business_website — Get a free business website

Advertised by the server during the last successful anonymous check.

Advertised read-only

Use when the user wants a website for their business, shop or side hustle. SendPay Business offers a free business website builder: free to build, publish and keep, no card needed, with an optional shop cart and card payments later. Returns the link to start.

free_business_website input schema

{
  "type": "object",
  "properties": {
    "business_type": {
      "type": "string",
      "description": "Optional: what the business does, e.g. 'bakery'."
    }
  },
  "additionalProperties": false
}

free_business_website annotations

{
  "title": "Get a free business website",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

lei_checker — LEI checker

Advertised by the server during the last successful anonymous check.

Advertised read-only

Check that a Legal Entity Identifier (LEI, ISO 17442) is well formed: 20 characters and MOD 97-10 check digits. Does not confirm the LEI is registered; GLEIF's search does.

lei_checker input schema

{
  "type": "object",
  "required": [
    "lei"
  ],
  "properties": {
    "lei": {
      "type": "string",
      "description": "The LEI, 20 characters."
    }
  },
  "additionalProperties": false
}

lei_checker annotations

{
  "title": "LEI checker",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

isin_checker — ISIN checker

Advertised by the server during the last successful anonymous check.

Advertised read-only

Check that an ISIN (ISO 6166 security identifier) is well formed: country code, 9-character national code and Luhn check digit.

isin_checker input schema

{
  "type": "object",
  "required": [
    "isin"
  ],
  "properties": {
    "isin": {
      "type": "string",
      "description": "The ISIN, 12 characters."
    }
  },
  "additionalProperties": false
}

isin_checker annotations

{
  "title": "ISIN checker",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

cusip_checker — CUSIP checker

Advertised by the server during the last successful anonymous check.

Advertised read-only

Check a 9-character CUSIP (US/Canadian security identifier) check digit and split it into issuer and issue.

cusip_checker input schema

{
  "type": "object",
  "required": [
    "cusip"
  ],
  "properties": {
    "cusip": {
      "type": "string",
      "description": "The CUSIP, 9 characters."
    }
  },
  "additionalProperties": false
}

cusip_checker annotations

{
  "title": "CUSIP checker",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

sedol_checker — SEDOL checker

Advertised by the server during the last successful anonymous check.

Advertised read-only

Check a 7-character SEDOL (UK/Irish security identifier) format and check digit.

sedol_checker input schema

{
  "type": "object",
  "required": [
    "sedol"
  ],
  "properties": {
    "sedol": {
      "type": "string",
      "description": "The SEDOL, 7 characters."
    }
  },
  "additionalProperties": false
}

sedol_checker annotations

{
  "title": "SEDOL checker",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

uk_vat_number_checker — UK VAT number checker

Advertised by the server during the last successful anonymous check.

Advertised read-only

Check a UK VAT number's format and check digits (9 digits, 12 with a branch, or GD/HA). Does not confirm registration; HMRC's service does.

uk_vat_number_checker input schema

{
  "type": "object",
  "required": [
    "vat_number"
  ],
  "properties": {
    "vat_number": {
      "type": "string",
      "description": "The VAT number, with or without GB."
    }
  },
  "additionalProperties": false
}

uk_vat_number_checker annotations

{
  "title": "UK VAT number checker",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

cbu_checker — CBU / CVU checker

Advertised by the server during the last successful anonymous check.

Advertised read-only

Check an Argentine CBU or CVU: 22 digits and both check digits, split into bank, branch and account.

cbu_checker input schema

{
  "type": "object",
  "required": [
    "cbu"
  ],
  "properties": {
    "cbu": {
      "type": "string",
      "description": "The CBU or CVU, 22 digits."
    }
  },
  "additionalProperties": false
}

cbu_checker annotations

{
  "title": "CBU / CVU checker",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks: 1 of 1 (100%)
Average latency: 973 ms
95th percentile latency: 973 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

Nov 1, 2026, 9:17 AM UTC · probe · passed · 973 ms · metadata changed · 21 tool(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http sendpay-business-mcp https://www.sendpaybusiness.com/api/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add sendpay-business-mcp --url https://www.sendpaybusiness.com/api/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable sendpay-business-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "sendpay-business-mcp": {
      "url": "https://www.sendpaybusiness.com/api/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).

Cline configuration

{
  "mcpServers": {
    "sendpay-business-mcp": {
      "type": "streamableHttp",
      "url": "https://www.sendpaybusiness.com/api/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start sendpay-business-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "sendpay-business-mcp": {
      "type": "http",
      "url": "https://www.sendpaybusiness.com/api/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http sendpay-business-mcp https://www.sendpaybusiness.com/api/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.

Claude Desktop configuration

{
  "mcpServers": {
    "sendpay-business-mcp": {
      "url": "https://www.sendpaybusiness.com/api/mcp"
    }
  }
}

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "sendpay-business-mcp": {
      "serverUrl": "https://www.sendpaybusiness.com/api/mcp"
    }
  }
}

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SendPay Business MCP

Endpoint and access

What you can do with it

Source and maintenance

Protocol and capabilities

Server-provided instructions

Tools

Prompts

Resources

30-day availability

Maintenance history

Connect from your client

Claude Code

Codex

Cursor

Cline

VS Code

Gemini CLI

Claude Desktop

Windsurf

Let your agent find its tools

Other data and analytics servers

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