Payee Preflight

01 · Ingest

Client name

Drop CSV or click to browse

Columns: legal_name, TIN, entity_type, address, YTD_amount, payment_method

Uploaded over TLS · parsed in-memory · never persisted unless you save the docket.

Total exposure

$21,277

cost-weighted, all findings

Missing W-9

of 8 vendors

Above $2,000

reportable under OBBBA §70435

Must escalate

critical + high tiers

02 · Artifacts

03 · Cost-weighted docket

Demo Client — Ridgeline Studio

ranked by exposure

8 vendors · $21,277 at risk

Vendor

YTD

Exposure

Cost-of-being-wrong meter

Tier

Ridge & Co LLC

TIN missing · LLC

Missing TIN — no W-9 on fileLLC without TIN — request W-9 to confirm tax class

$51,900

$12,766

◐ needs review

CRITICALTIN match ↗

Silverline Design LLC

82-4419021 · LLC

$14,250

$3,420

✓ verified

CRITICAL

Marcus Reed

TIN missing · Sole Prop

Missing TIN — no W-9 on fileSole prop without TIN — reportable if over threshold

$8,600

$2,374

◐ needs review

HIGHTIN match ↗

Otis Field DBA Field Media

TIN missing · DBA

Missing TIN — no W-9 on fileSole prop without TIN — reportable if over threshold

$2,140

$824

◐ needs review

HIGHTIN match ↗

BrightPath Consulting Inc

26-3391284 · S-Corp

Corp suffix — likely 1099-exempt (verify)

$22,400

$806

○ unknown class

HIGH

Nova Freelance

471-33-9812 · Sole Prop

$3,120

$749

✓ verified

MEDIUM

Beacon Studios Corp

45-2277718 · C-Corp

Corp suffix — likely 1099-exempt (verify)

$9,400

$338

○ unknown class

MEDIUM

Priya Kapoor

222-14-8830 · Sole Prop

Sub-threshold ($1850) but within 15% of $2,000 — verify YTD complete

$1,850

—

✓ verified

LOW

How the scoring works

01
Upload + parse in memory
The CSV is uploaded over TLS and parsed with Papaparse on the server. Rows are normalized and returned to the browser — the file itself is never persisted.
02
Threshold-aware exposure math
For every vendor: (YTD ≥ $2,000 ? YTD × 24%) + (missing W-9 ? $310) × certainty factor. Threshold from OBBBA §70435, rate from IRC §3406, penalty from IRC §6721(a) as adjusted by Rev. Proc. 2024-40.
03
Certainty from entity class
Corp suffixes (Inc, Corp) drop certainty to 15% — usually 1099-exempt. LLC / DBA / sole prop without a TIN raise it to 100%. Verified TIN + non-corp = 85%.
04
Friction that matches the dollar risk
A $50k vendor with no W-9 gets a red banner + mandatory ack. A $1,850 address typo gets a dismissable yellow hint.

What we don't do (and where we send you)

We do not run live TIN matches.The IRS TIN Matching program (Pub 2108A) is a manual e-Services portal with no public API. Every finding that requires a live match is labeled "requires IRS TIN Match — 2 min manual step" and links to your existing e-Services account.

Uploads are parsed in-memory only. Your CSV hits our server for parsing over TLS and is discarded immediately after normalization. Nothing is written to disk or a database unless you explicitly save a docket.

We do not fabricate testimonials or customer counts.Landing page shows a live demo dataset. If we get a signed case study one day, it'll be a real one.

Penalty math is IRS-quoted, not rounded up. $310/form comes straight from Rev. Proc. 2024-40 Table 4. If the IRS raises it via a future Rev. Proc., the tool updates the same day.

AI email drafts are drafts.Every AI-authored line is marked "(AI draft — attorney/CPA review recommended)." Escalation cases are flagged with mandatory-review chips before you can export.

Frequently asked

The questions a skeptical bookkeeper asks first.

Doesn't QuickBooks already do this?

QuickBooks Online's 1099 wizard checks two things: is the vendor marked 1099-eligible, and is YTD over the threshold. It does not validate TIN format, catch bad entity-class mismatches, weight by dollar risk, or produce a citation-backed audit packet. It also has no idea that the 2026 threshold moved from $600 to $2,000 unless the firm manually reconfigures.

Why the $310 penalty number?

That's the 2026 Tier-3 per-form penalty for information returns filed after August 1 or not filed at all, from Rev. Proc. 2024-40 Table 4, under IRC §6721(a). Tier-1 (corrected within 30 days) is $60. Tier-2 (by August 1) is $130. Tier-3 is the number that hurts.

What if the client's YTD moves after I run Preflight?

Save the docket. When you re-run in December, the tool diffs against the last saved version — vendors that crossed the $2,000 threshold since your last check get a fresh flag.

Is my client's vendor data stored anywhere?

The CSV is uploaded over TLS, parsed in memory with Papaparse, and immediately discarded — nothing is persisted unless you explicitly save the docket. Saved dockets are stored in a database keyed to your Clerk user id; delete anytime.

How is this different from TinCheck / Track1099?

Per-form matching services validate TIN format (some also hit the IRS SSA verify endpoint). They don't rank by dollar risk, don't produce a client-ready packet, don't draft the W-9 email, and don't own the 2026 threshold logic. Different product, adjacent problem.

What about 1099-K vs 1099-NEC?

If a vendor was paid via card, PayPal, Venmo (business), Stripe, or Square, the payment processor issues a 1099-K — you shouldn't also issue a 1099-NEC for the same payments. Preflight flags any vendor whose payment_method matches a third-party network so you don't double-report.

Ready when you are

$29/mo. Unlimited clients. Cancel any January 32nd.

For a 15-client firm losing ~30 January hours to manual 1099 cleanup, that's under $2/client/month. Break-even is a single avoided $310 CP2100.

See full pricing

Track1099 (per-form)

$1.99/form × 200 vendors = $398. No workflow, no drafts.

Outsourced 1099 cleanup

$250–800 per client book. 15 clients = $3,750+.

Manual review

~2 hrs/client × 15 = 30 hrs @ your billable rate.

Payee Preflight

$29/mo flat. Unlimited clients. Audit packet + drafts included.