# PaidPilot Payment Terms Calculator

> 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.

## Facts

- Endpoint: POST https://api.paidpilot.io/v1/payment-terms?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-12
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/paidpilot-payment-terms-calculator-694bfa06
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_SC6OJvtZVsSYS8NqYrX-H

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 paidpilot-payment-terms-calculator-694bfa06 -d '<json body>'
```

Example prompt: I received an invoice dated June 1, 2025 for $5,000 with 2/10 Net 30 terms — can you tell me when it's due, when I need to pay to get the early discount, how much I'd save, and what it costs me annualized to skip the discount?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "as_of": {
   "type": "string",
   "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
   "description": "Date to compute status for, YYYY-MM-DD (default: today, UTC)"
  },
  "terms": {
   "type": "string",
   "maxLength": 40,
   "minLength": 1,
   "description": "Payment terms, e.g. \"Net 30\", \"2/10 Net 30\", \"Due on receipt\", \"EOM\", \"Net 30 EOM\""
  },
  "amount": {
   "type": "number",
   "maximum": 1000000000,
   "minimum": 0,
   "description": "Invoice total (optional; enables the discount math)"
  },
  "currency": {
   "type": "string",
   "default": "USD",
   "description": "ISO-4217, default USD"
  },
  "invoice_date": {
   "type": "string",
   "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
   "description": "Invoice date, YYYY-MM-DD"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/paidpilot-payment-terms-calculator-694bfa06/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.paidpilot.io](https://www.zero.xyz/host/api.paidpilot.io/llms.txt)