Collect umbrella payment
umbrella_consumer_paymentPrepare secure Stripe payment collection or submit the resulting payment method during the consumer-prefill umbrella post-choose flow. Reuse uid and the latest intake_access_token from the previous successful Coverage Cat response on each follow-up. MCP 2026-07-28 is stateless and requires that token. Legacy MCP hosts may also preserve hidden shopper session authorization. Keep tokens private and stay on this same MCP follow-up tool. Stay on the same consumer-operated MCP subset. Use this only after Coverage Cat says payment_needed. First call it with payment_collection_requested: true; do not send the shopper straight to payment_url before you try this native step. If the host confirms the registered secure payment UI can render, display it and wait for completion; do not request card details through conversational text. After successful Stripe setup, call this same tool again with setup_intent_id and payment_method_id. If UI support is unknown or unsupported, or if secure setup fails in chat, share payment_url with the specific fallback reason instead.
Tool call template
Replace each placeholder with a value matching the input schema. Only required parameters are included; add optional parameters as needed.
{
"id": 1,
"jsonrpc": "2.0",
"method": "tools/call",
"params": {
"arguments": {
"uid": "<uid>"
},
"name": "umbrella_consumer_payment"
}
}Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| uid | Yes | Coverage Cat intake uid for the current shopper session. | |
| idempotency_key | No | Key you generate to identify one logical umbrella_consumer_payment request, so a retry cannot apply it twice. After a timeout or transport failure, retry with the same key and identical arguments to get the original result back; Coverage Cat keeps that result for 24 hours and rejects different arguments sent under a used key. | |
| setup_intent_id | No | SetupIntent id returned by the earlier payment_collection_ready response. | |
| payment_method_id | No | Reusable Stripe PaymentMethod id produced by secure client-side setup confirmation. | |
| intake_access_token | No | Send the latest intake_access_token from the previous successful Coverage Cat response on each follow-up. Required for stateless MCP 2026-07-28 requests; also accepted by legacy hosts. Keep it private and never show it to the shopper. | |
| payment_collection_requested | No | Starts secure card collection: Coverage Cat prepares a Stripe SetupIntent and returns the publishable_key, client_secret, and setup_intent_id the registered payment UI needs. Send it on the first payment call, without setup_intent_id or payment_method_id. |
Output Schema
| Name | Required | Description | Default |
|---|---|---|---|
| uid | Yes | Coverage Cat intake uid for the current handoff. | |
| line | No | ||
| offers | No | ||
| policy | No | ||
| review | No | Structured review card or selected-offer review block. | |
| schema | No | Supplemental schema hints for homeowners review payloads. | |
| status | Yes | ||
| sandbox | No | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. | |
| support | No | ||
| uploaded | No | ||
| documents | No | ||
| expires_at | No | When the current consumer handoff expires. | |
| offers_url | No | Coverage Cat browser URL for the selected offer or offer-tracking page. | |
| payment_ui | No | ||
| next_action | No | A structured hint for the next allowed tool or endpoint action. | |
| payment_url | No | Coverage Cat browser URL for secure payment fallback. | |
| post_choose | No | Structured post-choose state after a quoted umbrella offer is selected. | |
| conversation | No | ||
| review_items | No | ||
| review_token | No | Opaque review token for delegated review-style submit paths. | |
| verification | No | ||
| detail_status | No | ||
| known_summary | No | Structured facts Coverage Cat can safely summarize at this stage. | |
| next_question | No | The current shopper-owned question bundle or bind-stage question. | |
| offer_summary | No | ||
| payment_setup | No | ||
| preview_token | No | Opaque bind-preview token for the next homeowners bind confirmation. | |
| missing_fields | No | Structured missing-value hints for homeowners pre-submit review. | |
| payment_status | No | ||
| pending_fields | No | Structured missing-value hints for umbrella pre-submit review. | |
| selected_offer | No | ||
| uploaded_count | No | ||
| field_estimates | No | ||
| service_preview | No | ||
| service_request | No | ||
| purchase_preview | No | ||
| response_summary | No | ||
| review_estimates | No | ||
| service_requests | No | ||
| agent_instructions | No | ||
| poll_after_seconds | No | ||
| selection_guidance | No | Guidance for completing an offer choice in one shopper-facing reply. | |
| compare_details_url | No | Coverage Cat browser URL for compare-details follow-up. | |
| intake_access_token | No | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve Coverage Cat's hidden shopper session. Never display it to the shopper. | |
| notification_channel | No | ||
| user_action_required | No | ||
| application_submitted | No | ||
| required_upload_types | No | ||
| credit_consent_question | No | ||
| credit_consent_disclosure | No | Versioned canonical text that must be shown verbatim; echo version and text_hash with the user's response. | |
| payment_collection_supported | No | ||
| monoline_mvr_consent_question | No | ||
| contact_preferences_disclosures | No | Optional versioned service-contact disclosures for the phone number on file; no marketing consent and no purchase requirement. | |
| monoline_mvr_consent_disclosure | No | Versioned Monoline-specific text that must be shown verbatim with its source URL; echo version and text_hash with the user's response. |