70trust / 100

Invoice Discount Api

by AgentUtility.ai in Markets & finance

x402 APIPassing, checked 4 h ago

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.

POST
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

Run a free test callHow to call it

Reliability

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Status and outage history · Atom feed

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

ParameterTypeRequiredDescription
advance_rate_pctnumberNoPercent of invoice advanced immediately. Default 100.
annual_cost_of_capital_pctnumberNoBenchmark annual cost of capital percent. Default 12.
days_until_duenumberYesDays until the invoice would otherwise be paid.
discount_amountnumberNoDiscount dollars. Required unless discount_pct is supplied.
discount_pctnumberNoDiscount as percent of invoice amount. Required unless discount_amount is supplied.
invoice_amountnumberYesGross 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 --decode
JavaScript: 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)

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