Invoice Discount Api
by AgentUtility.ai in Markets & finance
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.
https://x402.agentutility.ai/invoice-discount-api- Price
- $0.01
- per call in USDC
- Uptime
- 73.9%
- last 30 days
- Response time
- 217 ms
- 5.5 s slowest 5%
- Last check
- Passed
- 4 h ago, next any minute now
Reliability
How to call it
POST https://x402.agentutility.ai/invoice-discount-api
Each call costs $0.01 in USDC on Base, paid with the request over x402.
Run a free test callOne unpaid request, the way an agent sends it. You see the payment challenge it gets back. Nothing is charged.
Example request
From the listing.
POST https://x402.agentutility.ai/invoice-discount-api
content-type: application/json
{
"advance_rate_pct": 95,
"annual_cost_of_capital_pct": 14,
"days_until_due": 45,
"discount_pct": 1.8,
"invoice_amount": 80000
}Parameters
| Parameter | Type | Required | Description |
|---|---|---|---|
advance_rate_pct | number | No | Percent of invoice advanced immediately. Default 100. |
annual_cost_of_capital_pct | number | No | Benchmark annual cost of capital percent. Default 12. |
days_until_due | number | Yes | Days until the invoice would otherwise be paid. |
discount_amount | number | No | Discount dollars. Required unless discount_pct is supplied. |
discount_pct | number | No | Discount as percent of invoice amount. Required unless discount_amount is supplied. |
invoice_amount | number | Yes | Gross invoice face value. |
Example response
The provider's example. We can't check it without paying.
{
"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": []
}Call it from code
The curl command shows the payment challenge. The JavaScript and Python versions pay and call, and never pay more than $0.01.
curl: see the payment challenge
# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i -X POST 'https://x402.agentutility.ai/invoice-discount-api' \
-H 'content-type: application/json' \
--data-raw '{"advance_rate_pct":95,"annual_cost_of_capital_pct":14,"days_until_due":45,"discount_pct":1.8,"invoice_amount":80000}'
# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - -X POST 'https://x402.agentutility.ai/invoice-discount-api' \
-H 'content-type: application/json' \
--data-raw '{"advance_rate_pct":95,"annual_cost_of_capital_pct":14,"days_until_due":45,"discount_pct":1.8,"invoice_amount":80000}' \
| grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decodeJavaScript: pay and call
// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";
// Pays at most $0.01 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.01" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);
// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.01 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Fx402.agentutility.ai%2Finvoice-discount-api&method=POST
const res = await pay("https://x402.agentutility.ai/invoice-discount-api", {
method: "POST",
headers: { "content-type": "application/json" },
body: JSON.stringify({
"advance_rate_pct": 95,
"annual_cost_of_capital_pct": 14,
"days_until_due": 45,
"discount_pct": 1.8,
"invoice_amount": 80000
}),
});
console.log(res.status, await res.text());Python: pay and call
# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client
# Pays at most $0.01 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.01"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))
with x402_requests(client) as session:
res = session.post(
"https://x402.agentutility.ai/invoice-discount-api",
json={
"advance_rate_pct": 95,
"annual_cost_of_capital_pct": 14,
"days_until_due": 45,
"discount_pct": 1.8,
"invoice_amount": 80000,
},
)
print(res.status_code, res.text)Security scan
No findings
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Recent checks
| When | Result | HTTP | Time | Price |
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| 20 h ago | Timed out | - | - | - |
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