{"uid":"cap_SC6OJvtZVsSYS8NqYrX-H","slug":"paidpilot-payment-terms-calculator-694bfa06","name":"PaidPilot Payment Terms Calculator","description":"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.","url":"https://api.paidpilot.io/v1/payment-terms?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"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"}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_4u2lqUwNysEMgfRIvZMPF","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"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.","exampleAgentPrompt":"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?","exampleUseCases":[{"title":"Early-pay discount decision support","prompt":"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."},{"title":"Checking if an invoice is overdue","prompt":"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?"},{"title":"EOM terms due date calculation","prompt":"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?"}],"resultDescription":"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.","failureModes":["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"],"whenToPreferThis":"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.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-12T12:38:17.297Z","isFirstParty":false,"canonicalSlug":"paidpilot-payment-terms-calculator-694bfa06"}