Axiom takes the invoice date and the day the funds cleared out of the files you already send, counts the whole days between them, and puts that count against the window your own agreement grants.
Whole calendar days between the invoice date and the day the funds cleared. No business-day rule invented, no timezone that flatters either side.
The discount rate and the day count come out of your agreement, quoted verbatim with the page they sit on. If no clause resolves, no finding is built.
A payment inside the window earns its discount, and the finding says so. What you get includes the deductions we are telling you to leave alone.
Two payments against the same settlement clause. One cleared four days after the window closed. The other cleared inside it and earned every cent of the discount it took — and the finding says so.
“Customer may deduct 2.0% from invoice total if payment settlement is cleared within 10 calendar days of invoice date. Payments on Day 11+ forfeit all settlement discounts.”
$900.00
Recoverable
The window closed on day 10 and the funds cleared on day 14, so the clause forfeits the settlement discount whole rather than pro-rating it. The clause resolved verbatim on page 4 and the day count is arithmetic anyone can repeat.
Illustrative invoice and figures
The boundaries are the specification. Where the clause does not resolve, or the dates do not, the finding says so rather than filling the gap.
The paid date is a column in the AR export or the remittance advice you upload. No bank connection, no credentials, no feed to configure — files and a browser.
A language model reads the contract and returns the terms it found. The day count and the money are computed in code, so any figure in a finding can be recomputed by hand.
The rate and the window are whatever your clause carries, not a house default. Terms that differ by customer are read per agreement, one at a time.
Where the payment landed inside the window but the deduction ran past the discount the clause permits, only the excess is recoverable. The earned part stands.
Every discount finding is reviewed by a person before it reaches you, and the ones that cannot be defended are rejected. A gate that only says yes is not a gate.
If an invoice date or a clearance date is missing or malformed, the line comes back unverified saying exactly that, rather than assigned a plausible count.
Send the AR export, the remittances and the agreements behind them. Every settlement discount comes back measured against the window your own terms grant — including the ones we tell you to leave alone.