# Invoket Late Payment Interest Calculator (EU Directive)

> Invoket Late Payment Interest Calculator (EU Directive) is a paid API for AI agents from api.invoket.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-14).

Computes statutory late-payment interest, penalty days, and fixed compensation owed on a commercial debt under EU Directive 2011/7/EU and its national transpositions

## Facts

- Endpoint: POST https://api.invoket.com/invoice/late-payment
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/invoket-late-payment-interest-calculator-eu-directive-ff9ef4ac
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_LJftPS7sYholVT_dCaRwK

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability invoket-late-payment-interest-calculator-eu-directive-ff9ef4ac -d '<json body>'
```

Example prompt: My client in France finally paid a €12,500 invoice on June 15, 2024, but it was due on March 1, 2024 — can you calculate how much late-payment interest and flat compensation I can legally claim under French law?

## When to prefer this

Use this endpoint when you need authoritative, source-cited computation of EU late-payment interest under Directive 2011/7/EU, especially when national transpositions matter (FR, DE, ES, IT, NL, BE, PT, PL have their own rules). Prefer this over generic interest calculators when legal provenance and enforceability notes are required, or when an AI agent needs to justify a debt claim with a regulatory citation.

## Known failure modes

- 400 date_out_of_range — due_date or paid_date before 2011 or beyond last published half-year (rate not extrapolated)
- 400 unsupported_country — country is outside the EU/EEA and not covered by the Directive
- 400 invalid currency — currency code is XXX, XTS, or not a valid ISO 4217 code
- 400 invalid amount — amount is zero, negative, or non-numeric
- Missing required fields (amount, country, currency, due_date) return validation errors
- Non-euro currency results in null total_due with note about no conversion being performed

## How this service works

The checks your agent runs before it acts: verify a bank account, a phone number, a law in force, the weather or a vehicle — computed from official sources, with provenance in every response. You only pay for answers.

## Output

Returns the number of days late, the applicable statutory interest rate with its legal source, the computed interest amount in the invoice currency, the fixed flat-fee compensation (in EUR per the Directive), the total amount due, and provenance metadata identifying the exact rule applied (national transposition or EU minimum fallback). If payment was on time, returns zero interest with a citation to Art. 3(1). If the currency is non-euro, total_due is null with an explanatory note.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "amount",
  "country",
  "currency",
  "due_date",
  "paid_date"
 ],
 "properties": {
  "amount": {
   "type": "string",
   "description": "Principal of the unpaid claim, simple decimal string, strictly positive. currency is ISO 4217 and required (XXX and XTS refused). Interest is computed in the currency of the claim while the fixed compensation is in euros by the Directive: outside the euro, total_due is null and a note says so - NO conversion is performed"
  },
  "country": {
   "type": "string",
   "description": "Member State whose transposition applies, ISO 3166-1 alpha-2 (EL accepted for GR), required. FR, DE, ES, IT, NL, BE, PT and PL carry their own national rule; any other Member State gets the Directive minimum, explicitly flagged rule_source eu_minimum_fallback. A third country is refused (unsupported_country): the Directive governs commercial transactions within the Union, and no rule is guessed beyond it"
  },
  "currency": {
   "type": "string"
  },
  "due_date": {
   "type": "string",
   "description": "Contractual due date. Alternatively supply invoice_date plus payment_terms_days; with neither, the national statutory default applies and the response says so. A term beyond the 60-day legal cap is NOT refused: it is computed as supplied, with a note recalling the cap may make it unenforceable. Dates must be real calendar dates, and a date outside the snapshot coverage (before 2011, or beyond the last published half-year) is a 400 date_out_of_range - the rate of an unopened half-year is never extrapolated"
  },
  "paid_date": {
   "type": "string",
   "description": "Date of payment or of the assessment, defaulting to today. Paying on time is a valid, paid answer: days_late 0, total_due 0, flat_fee.source not_due, with the rationale citing art. 3(1). An optional contractual_rate (annual, in points) applies ONLY if it exceeds the statutory rate, which stays a public-policy floor (art. 7); otherwise the statutory rate applies and a note says so"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object"
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/invoket-late-payment-interest-calculator-eu-directive-ff9ef4ac/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.invoket.com](https://www.zero.xyz/host/api.invoket.com/llms.txt)