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PaidPilot Payment Terms Calculator
x402
PaidPilot Payment Terms Calculator is a paid API for AI agents from api.paidpilot.io, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-12).
Parses payment terms (Net N, early-pay discounts, EOM, Due on receipt) and returns due date, overdue status, discount deadlines, annualized cost of skipping the discount, and suggested reminder dates.
Price / call$0.01
Success—
StatusUnknown
How this service works
PaidPilot Invoice API: Due date, status and early-pay discount for payment terms. Parses Net N, D/N Net M (e.g. 2/10 Net 30), Due on receipt, EOM, Net N EOM. Returns due date, days until due/overdue, discount amount and deadline, the annualized cost of skipping the discount, and suggested reminder dates.
Output
Returns structured data including: the computed due date, number of days until due or days overdue, early-pay discount amount and deadline (when applicable), annualized interest rate equivalent of skipping the discount, and a list of suggested reminder dates leading up to the due date.
Example use cases
Early-pay discount decision support
“I have an invoice for $12,000 dated July 10, 2025 with 2/10 Net 30 terms. Tell me the discount deadline, how much I'd save by paying early, and what the annualized cost is if I skip it — I need to decide whether it's worth paying now.”
Checking if an invoice is overdue
“An invoice from April 15, 2025 with Net 45 terms just crossed my desk — is it overdue as of today, and if so, by how many days?”
EOM terms due date calculation
“A vendor sent me an invoice dated May 20, 2025 on Net 30 EOM terms — when exactly is payment due, and when should I set a reminder to make sure we pay on time?”
Technical details
Endpoint
POSThttps://api.paidpilot.io/v1/payment-terms?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need to programmatically interpret payment terms text and compute actionable dates and financials — especially when handling early-pay discounts (D/N Net M terms) where you need the annualized cost-of-capital analysis. Prefer this over a general date calculator because it handles the full vocabulary of standard B2B payment terms including EOM, Due on receipt, and compound discount notation.
Side effects
- Unrecognized payment terms string returns an error or null due date
- Missing invoice_date field causes computation to fail
- Invalid date format (non-YYYY-MM-DD) triggers a validation error
- Amount of 0 or omitted amount returns no discount math fields
- Unsupported currency codes may fall back to USD or return an error
- Malformed terms string (e.g. typos) may return a parse error
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| as_of | string | Date to compute status for, YYYY-MM-DD (default: today, UTC) |
| terms | string | Payment terms, e.g. "Net 30", "2/10 Net 30", "Due on receipt", "EOM", "Net 30 EOM" |
| amount | number | Invoice total (optional; enables the discount math) |
| currency | string | ISO-4217, default USD |
| invoice_date | string | Invoice date, YYYY-MM-DD |
Tags
x402
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