Calculates early payment discount APR and factoring economics
Calculates early payment discount APR and factoring economics. Same calculator as invoice-discount-calculator, exposed under likely buyer search terms. Use it as an invoice discount API or early payment discount APR API.
Answeringour last check, 2026-09-24
1 of 1checks answered this week
20 msmedian answer time
$0.01listed price per call
$0.01price it asked us
Paid test badge: not yet. The checks above are free: we call the tool without paying and read the payment request it sends back. The Verified badge needs paid calls whose answers match the promised output, and nobody can buy a badge.
Endpoint
POST https://x402.agentutility.ai/invoice-discount-api
| Category | Search and research |
|---|---|
| Provider host | x402.agentutility.ai |
| Networks | eip155:8453, solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp |
| Payment schemes | exact |
| Self-reported calls, 30 days | 1 from 1 payers (the provider's figure, not ours) |
Our checks, last 30 days
| Day | Result | HTTP | Asked | Time |
|---|---|---|---|---|
| 2026-09-24 | valid payment request | 402 | $0.01 | 20 ms |
Example input (from the provider)
{
"body": {
"advance_rate_pct": 95,
"annual_cost_of_capital_pct": 14,
"days_until_due": 45,
"discount_pct": 1.8,
"invoice_amount": 80000
},
"bodyType": "json",
"method": "POST",
"type": "http"
}
Promised output schema (from the provider)
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"input": {
"additionalProperties": false,
"properties": {
"body": {
"properties": {
"advance_rate_pct": {
"description": "Percent of invoice advanced immediately. Default 100.",
"type": "number"
},
"annual_cost_of_capital_pct": {
"description": "Benchmark annual cost of capital percent. Default 12.",
"type": "number"
},
"days_until_due": {
"description": "Days until the invoice would otherwise be paid.",
"type": "number"
},
"discount_amount": {
"description": "Discount dollars. Required unless discount_pct is supplied.",
"type": "number"
},
"discount_pct": {
"description": "Discount as percent of invoice amount. Required unless discount_amount is supplied.",
"type": "number"
},
"invoice_amount": {
"description": "Gross invoice face value.",
"type": "number"
}
},
"required": [
"invoice_amount",
"days_until_due"
]
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"type": {
"const": "http",
"type": "string"
}
},
"required": [
"type",
"method",
"bodyType",
"body"
],
"type": "object"
},
"output": {
"properties": {
"example": {
"properties": {
"calculator": {
"type": "string"
},
"drivers": {
"items": {
"properties": {
"name": {
"type": "string"
},
"note": {
"type": "string"
},
"score": {
"type": "number"
},
"weight": {
"type": "number"
}
},
"type": "object"
},
"type": "array"
},
"grade": {
"type": "string"
},
"metrics": {
"properties": {
"cost_premium_vs_capital_benchmark": {
"type": "number"
},
"discount_amount": {
"type": "integer"
},
"effective_apr_pct": {
"type": "number"
},
"net_cash_received": {
"type": "integer"
}
},
"type": "object"
},
"recommendation": {
"type": "string"
},
"score": {
"type": "number"
},
"source": {
"type": "string"
},
"warnings": {
"type": "array"
}
},
"type": "object"
},
"type": {
"type": "string"
}
},
"required": [
"type"
],
"type": "object"
}
},
"required": [
"input"
],
"type": "object"
}