get https://api-sandbox.getdefacto.com/bills
List your fees invoices (i.e: your Defacto bill) for the loans you performed on the platform.
By default, this endpoint only returns your own bills, but you may request bills for your own specific borrowers (with a business identifier or ID) depending on your contract type.
How do we calculate the fees?
For example:
Loan amount is 10000 cents Duration of the loan is 60 days Daily rate is 0.06 (where 0.024 is interest fees and 0.036 is operating fees)
The formula:
((1+ vat_rate) \* operating_fees) + interest_fees
interest_fees = 10000 \* 59 \* (0.024 / 100) = 141.6 cents
operating_fees (without VAT) = 10000 \* 59 \* (0.034 / 100) = 200.6 cents
For French borrowers, the VAT is 20%
total = (1.2 \* 141.6) + 200.6 = 370.52 centsFor non-French borrowers with a intra-community VAT number, we don't charge the VAT:
141.6 + 200.6 = 342.2 cents