> ## Documentation Index > Fetch the complete documentation index at: https://docs.capcells.com/llms.txt > Use this file to discover all available pages before exploring further. # Read the payment options > What to collect on a date, per loan: what has fallen due, what is late, the next instalment, the payoff, and what an unnamed amount would do. The collection question, answered per Loan for the date you name: what has fallen due, what among it is late, the next instalment, the payoff, and what an amount naming none of them would do. A figure the Platform could not produce is **absent rather than zero** — a quoted zero says the Loan owes nothing, which is a different fact from being unable to say — with the reason in `anomalies`. `late` is the one exception: its absence means the Loan is not late. **Is this Client late? Read `late`, not `overdue`.** `overdue` holds the instalment falling due on the date you name, so it is non-zero on every due date of every Loan. `late` is present only where a Period stands past its tolerance end unpaid. The figures are **not additive**. `late` is part of `overdue`; on an instalment's due date `overdue` already holds that instalment; `payoff` is a complete answer of its own. **This read records nothing.** It is the read to make on every visit to a screen. The payoff figure it answers is for the screen; the figure you relay to a borrower as the one to pay, [record](/api-reference/loans/record-payoff-quote) — it answers the same number, and the record, and the rule that it binds nothing, are on [the Loan's payoff quotes](/api-reference/loans/payoff-quotes). **It carries a validator.** The answer has an `ETag`; send it back in `If-None-Match` and, where nothing was recorded about the Client since and the date is the same, the answer is `304` with no body — decided from one statement, with no derivation run. Any receipt, reversal, act, retraction or issuance for the Client, or a release of the Platform, changes the tag. [The book version](/api-reference/clients/book-version) answers whether anything moved without asking for anything else. ## Path parameters The Tenancy asking. The Client whose Loans the answer walks. ## Query parameters The civil date the figures stand for. Required and never defaulted; absent is `422` — there is no today the Platform can supply. ## Response One entry per Loan the Client holds. Everything the Periods that have fallen due on the date still owe, its charges apart. A Period has fallen due when its due date is on or before the date — so the instalment falling due that day is in it, and so is a Period still inside its tolerance. The waterfall settles this first, whatever else the payment intends; paying it brings the Loan current. It does not say the Client is late. Stated on every Loan the Platform could describe — a zero where nothing has fallen due — and absent only where no figure could be produced, with the reason in `anomalies`. On a Loan whose debt stands fixed — accelerated, or written off — it is everything the Loan owes and equals `payoff`. What among `overdue` is late: the Periods past their tolerance end on the date and not yet settled — exactly the Periods [the delinquency read](/api-reference/loans/delinquency) reports still overdue. | Field | What it is | | - | - | | `owed` | What the late Periods still owe, charges apart, penalty and late fee among them. Part of `overdue`, never beside it. | | `worst_days_past_due` | The largest day count among them. | | `periods` | How many Periods are late. | **Present exactly where the Loan is late, absent otherwise.** On a Loan whose balance has been called, `owed` is everything the Loan owes. Absent on a date a [suspension](/api-reference/loans/suspension) stands over: a Loan whose clock is stopped is not late that day, and what it owes stays in `overdue`. The suspension in force on the date — `event_id`, `reference`, `from`, `to`, and `ended_on` where it was ended early. Absent where the clock was running. It is what explains a matured debt with no `late`. The charges [waivers](/api-reference/loans/waiver) by the date released — `reference`, `on`, `period`, `charge`, `amount`. Every figure here already nets them: a waived charge reads settled by its waiver. Absent where none stands. The next instalment: its Period, `owed` with charges apart, `actionable_from`, `requires_overdue_settled` — matured Periods are walked oldest first — and `settled_by`. Absent where every Period has matured, and on a Loan whose debt stands fixed: there is no instalment left to pay into. | `settled_by` | When | What to collect | | - | - | - | | `overdue` | The instalment's own due date | The `overdue` figure. It already holds the instalment and everything older; adding `owed` to it collects the instalment twice. | | `instalment` | Any day before it | `owed`, once everything older is settled. | What discharges the Loan on the date: `owed` with charges apart, `actionable_on`, `requires_payoff_intent` — always true, a payoff is stated, never inferred — and `requires_designation`, true where the Client holds another Loan open in the same currency. The Configuration's `early_money_treatment` as the stable name beside a borrower-facing sentence — what silent money past everything matured does. Why an absent figure is absent, among everything else the derivation had to say. ```bash Read theme={null} curl "https://api.capcells.com/v1/tenants/$TENANT_ID/clients/c-0001/payment-options?on=2026-04-13" \ -H "Authorization: $(capcells_sign "$CAPCELLS_API_KEY" GET "/v1/tenants/$TENANT_ID/clients/c-0001/payment-options?on=2026-04-13")" ``` ```json 200 theme={null} { "client_id": "c-0001", "on": "2026-04-13", "loans": [ { "loan_id": "7771aef0-9e65-4a0a-a902-aab4e970d33f", "reference": "loan-0001", "overdue": { "total": { "minor_units": 0, "currency": "MXN" }, "charges": [] }, "instalment": { "index": 2, "scheduled_on": "2026-05-02", "due_on": "2026-05-04", "owed": { "total": { "minor_units": 90066, "currency": "MXN" }, "charges": [ … ] }, "actionable_from": "2026-05-04", "requires_overdue_settled": false, "settled_by": "instalment" }, "payoff": { "owed": { "total": { "minor_units": 787367, "currency": "MXN" }, "charges": [ { "charge": "fee", "amount": { "minor_units": 22917, "currency": "MXN" }, "tax": { "minor_units": 3667, "currency": "MXN" }, "total": { "minor_units": 26584, "currency": "MXN" } }, { "charge": "interest", "amount": { "minor_units": 10409, "currency": "MXN" }, "tax": { "minor_units": 1665, "currency": "MXN" }, "total": { "minor_units": 12074, "currency": "MXN" } }, { "charge": "principal", "amount": { "minor_units": 748709, "currency": "MXN" }, "tax": { "minor_units": 0, "currency": "MXN" }, "total": { "minor_units": 748709, "currency": "MXN" } } ] }, "actionable_on": "2026-04-13", "requires_payoff_intent": true, "requires_designation": false }, "any_other_amount": { "treatment": "reduces_principal", "description": "everything overdue is settled first; what remains is applied exclusively to outstanding principal under the statutory rule on early payment, which keeps the term and lowers the payments that follow" }, "anomalies": [] } ] } ``` ```json 200 On the due date theme={null} { "client_id": "c-0001", "on": "2026-05-04", "loans": [ { "loan_id": "7771aef0-9e65-4a0a-a902-aab4e970d33f", "reference": "loan-0001", "overdue": { "total": { "minor_units": 90066, "currency": "MXN" }, "charges": [ … ] }, "instalment": { "index": 2, "scheduled_on": "2026-05-02", "due_on": "2026-05-04", "owed": { "total": { "minor_units": 90066, "currency": "MXN" }, "charges": [ … ] }, "actionable_from": "2026-05-04", "requires_overdue_settled": false, "settled_by": "overdue" }, "payoff": { … }, "any_other_amount": { … }, "anomalies": [] } ] } ``` ```json 422 No date theme={null} { "error": "loan: the question falls outside the loan: what a payment would do is quoted as of a date, and none was given -- there is no today the platform can supply", "code": "outside_loan" } ``` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.