> For the complete documentation index, see [llms.txt](https://docs.moderncollections.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.moderncollections.io/readme.md).

# API Reference

The API for B2B debt collection. Place overdue invoices, follow the collection work, reconcile payments.

Modern Collections collects overdue commercial invoices as an independent third-party agency. You send the invoices and receive the activity, payment and remittance records; our voice, email and compliance systems do the collection work.

Creating a placement is **intake, not an outreach approval**. Creditor verification and a fresh compliance decision must clear before we contact anyone.

## Start here

<table data-view="cards"><thead><tr><th></th><th></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><h4>🔑 Quickstart</h4></td><td>Get a key, make your first call, understand what happens next.</td><td><a href="/getting-started/quickstart.md">Quickstart</a></td></tr><tr><td><h4>📡 API explorer</h4></td><td>Every endpoint, request and response — generated from the live application.</td><td><a href="/rest-api/conventions.md">Conventions</a></td></tr><tr><td><h4>🔔 Webhooks</h4></td><td>Receive events instead of polling, and verify what we send you.</td><td><a href="/webhooks/receiving.md">Receiving webhooks</a></td></tr><tr><td><h4>🤖 Clients &#x26; MCP</h4></td><td>Python client, CLI, MCP server for agents, and codegen.</td><td><a href="/clients/clients.md">Clients and MCP</a></td></tr></tbody></table>

## Which account model is yours

* **Your own invoices** — a creditor API key scoped to your account. Start with the [quickstart](/getting-started/quickstart.md).
* **Your customers' invoices** — a provisioned platform partner account, naming one linked creditor per request. Start with [Platform partners](/rest-api/partner-model.md).

## How this reference is organised

The [**OpenAPI spec**](https://github.com/knollmeyersam-dot/MC-Docs/tree/main/api-reference/rest-api/openapi.yaml) is the contract: every path, field and response shape, generated directly from the live application so it cannot drift. The explorer in the sidebar renders it.

The prose pages cover only what a spec cannot express — the placement lifecycle, what the compliance and pause objects mean, how partner scoping works, and how to verify a webhook.

| Page                                            | What it answers                                                                |
| ----------------------------------------------- | ------------------------------------------------------------------------------ |
| [Quickstart](/getting-started/quickstart.md)    | How do I get a key and make a call?                                            |
| [Errors and limits](/getting-started/errors.md) | What do I do when a call fails?                                                |
| [REST API](/rest-api/conventions.md)            | What are the conventions, and where is the endpoint reference?                 |
| [Placements](/rest-api/placement-lifecycle.md)  | What is a placement, and what do its status, compliance and pause fields mean? |
| [Platform partners](/rest-api/partner-model.md) | How do I place on behalf of many creditors?                                    |
| [Webhooks](/webhooks/receiving.md)              | How do I receive and verify events?                                            |
| [Clients and MCP](/clients/clients.md)          | Is there a client library, CLI or agent integration?                           |
| [Compliance](/compliance/compliance.md)         | What is my side responsible for?                                               |
| [Guides](/guides/ingest-invoices.md)            | How do I wire this to my AR system end to end?                                 |

## Support and changes

* [Change log](https://changelog.moderncollections.io) — release notes.
* [Contact support](https://help.moderncollections.io/troubleshooting/contact-support) — include placement IDs and UTC timestamps.
* Non-technical, dashboard-oriented questions belong in the [Help Center](https://help.moderncollections.io).


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