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.
10000 (raw units)
price
1
calls / 30d
1
unique payers
2026-09-09
updated
Provider
x402.agentutility.ai · discovered, not yet claimed by its owner
Payment (x402 accepts[])
[
{
"scheme": "exact",
"network": "eip155:8453",
"payTo": "0x6c0752c09e7F6fA6526fCDf40e456a159ebB5621",
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"amount": "10000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"payTo": "FJqAJ4dXkFbrp3EEo8E9x98iaBGUQwaU8Srz5ePfUXLH",
"asset": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
"amount": "10000",
"maxTimeoutSeconds": 300
}
]Output schema
{
"bazaar": {
"discoverable": true,
"info": {
"input": {
"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"
},
"output": {
"example": {
"calculator": "invoice-discount-calculator",
"drivers": [
{
"name": "effective_apr",
"note": "15.66% effective APR",
"score": 65.5,
"weight": 0.35
}
],
"grade": "strong",
"metrics": {
"cost_premium_vs_capital_benchmark": 153.95,
"discount_amount": 1440,
"effective_apr_pct": 15.66,
"net_cash_received": 74560
},
"recommendation": "Proceed with standard diligence and covenant checks.",
"score": 74.2,
"source": "deterministic in-process finance calculator; no upstream API",
"warnings": []
},
"type": "json"
}
},
"schema": {
"$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"
}
},
"builder-code": {
"info": {
"a": "bc_awpbwsy3"
},
"schema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false,
"properties": {
"a": {
"description": "App builder code",
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
},
"s": {
"description": "Service builder codes",
"items": {
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
},
"type": "array"
},
"w": {
"description": "Wallet builder code",
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
}
},
"type": "object"
}
}
}Use it
curl
curl "https://x402.agentutility.ai/invoice-discount-api" # -> 402 Payment Required, accepts[] lists how to pay # retry with a PAYMENT-SIGNATURE (or PAYMENT header) once paid
JavaScript
const res = await fetch("https://x402.agentutility.ai/invoice-discount-api");
if (res.status === 402) {
const { accepts } = await res.json();
// pay one of accepts[] via an x402 client, then retry with the payment header
}Python
import httpx
res = httpx.get("https://x402.agentutility.ai/invoice-discount-api")
if res.status_code == 402:
accepts = res.json()["accepts"]
# pay one of accepts[] via an x402 client, then retry with the payment headerMachine-readable
Everything on this page is also available as clean JSON at /resources/5217.json, and this resource appears in /discovery/resources and /discovery/search.