DebtPulse BNPL True-APR Calculator

{
  "type": "json",
  "errors": {
    "400": {
      "example": {
        "error": "invalid request"
      },
      "description": "Invalid or missing parameter(s). Returned before the payment gate on paid requests, so a malformed call is never charged. JSON body: { error: <what is wrong and how to fix it> } plus usage hints."
    },
    "402": {
      "description": "Payment required — x402 v2 challenge; the accepts array lists scheme, network, and amount. Retry the same request with a PAYMENT-SIGNATURE (v2) or X-PAYMENT (v1) header. Verification is free."
    },
    "500": {
      "example": {
        "error": "upstream_failed"
      },
      "description": "Unexpected server error. If a payment settled without a usable result, contact info@theaslangroupllc.com with the settlement tx hash for a re-run or credit."
    }
  },
  "example": {
    "action": "compare",
    "risk_warning": "BNPL can lead to overspending — not reported to bureaus but may be soon",
    "top_providers": [
      {
        "name": "Klarna",
        "late_fee": 7,
        "interest_free_days": 30
      },
      {
        "name": "Afterpay",
        "late_fee": 8,
        "interest_free_days": 56
      }
    ]
  }
}