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Calculate late payment interest across US, EU/Spain, and UAE jurisdictions. Accurate rates for B2B commercial debt recovery. Late Payment Interest Calculator: What it calculates: US Federal + California, Texas, New York, Florida (state-specific rates) EU Late Payment Directive (ECB + 8% = 10.15%) Spain (same EU framework) UAE Federal + Dubai (5%) + Abu Dhabi (1-3%) Automatic EU fixed compensation (€40-100 per invoice) Current rates baked in: US Prime: 6.83% ECB Main Refinancing: 2.15% Dubai courts: 5% (2021 ruling) All with legal citations