{
  "data": {
    "category": {
      "area": "domain-data",
      "capabilities": [
        "payroll.run",
        "payroll.employees",
        "payroll.embedded",
        "payroll.tax-filing",
        "payroll.contractors"
      ],
      "description": "Payroll run through an API. Embedded payroll that a software platform builds on, and APIs that reach an employer's existing payroll account. Compared on what can be read and written, how a payroll is previewed and approved, and the partner or approval steps before access.",
      "json": "https://www.anchorterminal.com/categories/payroll.json",
      "name": "Payroll infrastructure",
      "slug": "payroll",
      "test": "One test employer with three workers in each listing's sandbox. The same tasks run through its API (onboard a worker, enter hours, preview a payroll, approve it, read the pay statements). We check the calculation preview, approval steps and the onboarding needed for production. In this run listings are graded from public evidence against the published checklist.",
      "title": "Payroll APIs and embedded payroll for AI agents",
      "toolCount": 11,
      "tools": [
        "finch",
        "check-payroll",
        "argyle",
        "gusto",
        "payfit",
        "everee",
        "employment-hero",
        "salsa",
        "zeal",
        "paychex",
        "worklio"
      ],
      "url": "https://www.anchorterminal.com/categories/payroll"
    },
    "faq": [
      {
        "answer": "Finch has the highest benchmark score of the 11 ranked payroll APIs and embedded payroll, 71.6 (BB). Check is second with 67.5 (B).",
        "question": "What are the highest-rated payroll APIs and embedded payroll for AI agents?"
      },
      {
        "answer": "1 of the 11 ranked here grade BB or better, the bar for agent-ready on the Anchor benchmark.",
        "question": "How many payroll APIs and embedded payroll are agent-ready?"
      },
      {
        "answer": "None of the ranked listings here accepts x402 for its main call yet.",
        "question": "Which payroll APIs and embedded payroll accept x402 payments?"
      },
      {
        "answer": "By the Anchor benchmark score out of 100, a weighted mean of the scored categories minus deductions for negative events, from public evidence re-checked as vendors change. Listings cannot pay for a place. The latest assessment behind this page is from 9 October 2026.",
        "question": "How is this list ranked?"
      }
    ],
    "howToChoose": [
      {
        "label": "Preview before payroll approval",
        "detail": "Check that a payroll can be previewed with its totals and tax lines before it is approved, since approving a run is the step that moves money."
      },
      {
        "label": "Human approval before payroll runs",
        "detail": "Check which approvals a person must give before an agent can submit or approve a run, since the approval route decides who is accountable for pay."
      },
      {
        "label": "Steps before live payroll",
        "detail": "Check what onboarding, partner agreement or consent sits between a sandbox and live payroll, since an integration cannot run for real employees until those steps are complete."
      },
      {
        "label": "Country and worker type coverage",
        "detail": "Check which countries and worker types the API covers for onboarding and pay, since contractors and staff in an uncovered country cannot be paid through the same agent flow."
      }
    ],
    "picks": [
      {
        "also": {
          "name": "Check",
          "slug": "check-payroll",
          "why": "B, 67.5/100"
        },
        "name": "Finch",
        "need": "Highest score overall",
        "slug": "finch",
        "why": "BB, 71.6/100 on the benchmark"
      },
      {
        "name": "Everee",
        "need": "Reliability",
        "slug": "everee",
        "why": "87/100 on reliability, against 84 for the overall leader"
      },
      {
        "name": "Check",
        "need": "Agent ergonomics",
        "slug": "check-payroll",
        "why": "83/100 on agent ergonomics, against 71 for the overall leader"
      },
      {
        "name": "Check",
        "need": "Security \u0026 auth",
        "slug": "check-payroll",
        "why": "74/100 on security \u0026 auth, against 66 for the overall leader"
      },
      {
        "name": "Argyle",
        "need": "Transparency \u0026 trust",
        "slug": "argyle",
        "why": "83/100 on transparency \u0026 trust, against 74 for the overall leader"
      }
    ],
    "ranked": 11,
    "shortlist": [
      {
        "bestFor": "An application that needs to read employees, pay runs and pay statements from whatever payroll or HR system an employer already uses, or to write benefit deductions back.",
        "grade": "BB",
        "name": "Finch",
        "position": 1,
        "price": "Paid",
        "score": 71.6,
        "slug": "finch",
        "strengths": [
          "One OpenAPI 3.1 file covers 55 operations, and llms.txt indexes the documentation with every page served as Markdown",
          "Each access token is tied to one employer connection and limited to the products that employer approved, with SSN as a separate permission needing Finch's approval",
          "Rate limits are published per endpoint (20 or 12 requests a minute per application), with 429 errors that name which limit was hit"
        ],
        "url": "https://www.anchorterminal.com/tools/finch",
        "verdict": "Graded on the REST API. An employer grants each connection named product permissions, and limits, error codes and a 99.9 per cent uptime SLA are published. Finch reads payroll and writes deductions but cannot run a payroll. Access tokens never expire, no idempotency keys were found, and writes and most providers need a sales-led plan.",
        "weaknesses": [
          "Finch cannot create, preview or approve a payroll. Writes are limited to deductions and contributions, on Pro and Premier plans",
          "An access token does not expire until the connection is disconnected, and no rotation method was found in the reviewed documentation",
          "No idempotency keys were found, and no `Retry-After` header is documented on 429 responses"
        ],
        "where": "both",
        "x402": "no"
      },
      {
        "bestFor": "A software platform that wants to sell US payroll inside its own product and can sign a partnership, with Check handling tax calculation, money movement and filings.",
        "grade": "B",
        "name": "Check",
        "position": 2,
        "price": "Paid",
        "score": 67.5,
        "slug": "check-payroll",
        "strengths": [
          "`X-Idempotency-Key` is accepted on writes and stored for 24 hours, and a 429 carries `Retry-After` with `RateLimit-Limit` and `RateLimit-Remaining` on every authenticated response",
          "A payroll must have a succeeded preview before approval, and `preview_started_at` makes approval fail with 409 `preview_superseded` if the preview is stale",
          "Every response carries `X-Request-Log-Id`, and GET /logs returns request logs with SSNs, bank account numbers and the `Authorization` header redacted"
        ],
        "url": "https://www.anchorterminal.com/tools/check-payroll",
        "verdict": "Graded as embedded payroll through a partner API key, not access to an existing employer's payroll account. The API has idempotency keys on writes, a required preview before approval and queryable request logs. No price is public, a sandbox key comes through Check's sales team, and one API key carries the whole partner account.",
        "weaknesses": [
          "No public price and no self-serve signup. The documentation says to request an API key through Check's sales contact",
          "An API key carries the whole partner account. No per-key scopes or read-only keys were found in the reviewed documentation",
          "No official SDK in a general programming language was found. The CLI and MCP server install from a git clone, not from PyPI"
        ],
        "where": "hosted",
        "x402": "no"
      },
      {
        "bestFor": "A lender, tenant screener, benefits agency or background checker whose applicant can sign in to a payroll or gig account, and who needs paystubs, employment records or an income report.",
        "grade": "B",
        "name": "Argyle",
        "position": 3,
        "price": "Paid",
        "score": 63.7,
        "slug": "argyle",
        "strengths": [
          "One OpenAPI 3.0 file covers 91 operations and 119 schemas, and llms.txt indexes the documentation with every page served as Markdown",
          "Each payroll connection is made by the worker through Argyle Link, and the worker can remove it through Link or Argyle Passport",
          "A Sandbox at `https://api-sandbox.argyle.com/v2` has three sample users, simulated refreshes and its own API keys"
        ],
        "url": "https://www.anchorterminal.com/tools/argyle",
        "verdict": "Graded on the REST API. One OpenAPI file covers 91 operations, llms.txt indexes Markdown docs, and a Sandbox with sample users comes with a Console sign-up. Every payroll connection needs the worker to sign in through Link. No prices are published, no idempotency keys were found, and API keys carry no per-key scopes.",
        "weaknesses": [
          "No price is published. The site has no pricing page, and fees are set in a Service Order agreed with sales",
          "No idempotency keys were found for `POST /users` or `POST /verifications`, and no `Retry-After` header is documented on 429 responses",
          "API keys are an ID and secret pair with no per-key scopes or read-only mode found in the reviewed documentation"
        ],
        "where": "hosted",
        "x402": "no"
      },
      {
        "bestFor": "A software platform that wants to run US payroll for its own customers and can pass Gusto's partner reviews.",
        "grade": "B",
        "name": "Gusto",
        "position": 4,
        "price": "Paid",
        "score": 63.3,
        "slug": "gusto",
        "strengths": [
          "Each of 317 reference pages serves an OpenAPI 3.1 definition as Markdown, and llms.txt indexes both documentation projects",
          "Payroll runs in steps (prepare, calculate, submit). Calculate returns a preview with `submission_blockers` before any money moves",
          "Each API version gets 12 months of phased support after deprecation, with dates published and `Deprecation`, `Sunset` and `Link` response headers"
        ],
        "url": "https://www.anchorterminal.com/tools/gusto",
        "verdict": "This listing covers the Embedded Payroll API. Every reference page carries an OpenAPI 3.1 definition, payroll is calculated as a preview before submission, and each API version gets 12 months of deprecation support. Production needs commercial and security approval, no price was readable, and the status page lists 11 incidents between 14 July and 5 October 2026, five marked major.",
        "weaknesses": [
          "Production keys need commercial, security and implementation reviews with Gusto's partnerships team, and the docs say not all use cases are supported",
          "The Embedded API status page lists 11 incidents between 14 July and 5 October 2026, five marked major, one titled a complete outage",
          "No price was readable. gusto.com and embedded.gusto.com answered our reader with a bot check, and the docs carry no figures"
        ],
        "where": "local",
        "x402": "no"
      },
      {
        "bestFor": "An agent working for an employer that already runs payroll on PayFit in France, the UK or Spain and needs employees, contracts, payslips, absences or the payroll journal.",
        "grade": "C",
        "name": "PayFit",
        "position": 5,
        "price": "Paid",
        "score": 55.5,
        "slug": "payfit",
        "strengths": [
          "Public OpenAPI 3.0 file with 31 operations, each documenting 400, 401, 403 and 404 responses with an example",
          "llms.txt and a Markdown twin for every guide, reference and changelog page",
          "Customer API keys and partner OAuth tokens are limited to chosen scopes from 22, with read and write separate"
        ],
        "url": "https://www.anchorterminal.com/tools/payfit",
        "verdict": "A public OpenAPI 3.0 file, llms.txt and scoped keys let a paying customer's agent read payroll outputs and write absences. The API cannot run or approve a payroll, new partner integrations are not being accepted, and no idempotency keys or SDKs were found.",
        "weaknesses": [
          "No operation runs, previews or approves a payroll. The API reads payroll status, payslips and accounting exports",
          "The partner guides say PayFit is temporarily not accepting new integration requests, with no reopening date",
          "The webhook guide documents a call that sends `clientSecret` and `clientId` in the URL query string"
        ],
        "where": "local",
        "x402": "no"
      },
      {
        "bestFor": "A staffing, delivery or vertical software platform, or a single employer, that pushes hours and flat payments for W-2 and 1099 workers and lets admins approve in Everee's portal.",
        "grade": "C",
        "name": "Everee",
        "position": 6,
        "price": "Paid",
        "score": 55.1,
        "slug": "everee",
        "strengths": [
          "Every docs page has a Markdown copy listed in `llms.txt`, and each reference page carries an OpenAPI 3.0.1 fragment with request and response schemas (51 operations).",
          "Payable items need an `externalId` that the API rejects when repeated, and changes to paid timesheets need `correction-authorized=true`.",
          "Rate limits are published (200 operations per 5 seconds) with `RateLimit-Remaining`, `RateLimit-Reset`, `RateLimit-Limit` and `RateLimit-Policy` response headers and backoff guidance."
        ],
        "url": "https://www.anchorterminal.com/tools/everee",
        "verdict": "Everee's API tokens are created in the admin portal of each company instance, and payments wait for a payroll admin's approval unless auto-approval is arranged. The API has no preview or approval endpoint, no single OpenAPI file, no SDK and no changelog, and a company instance starts with a sales call.",
        "weaknesses": [
          "No preview or approval endpoint was found. Payments are approved by a payroll admin in the Everee portal, or automatically if Everee sets that up.",
          "The Terms and Conditions forbid access through any agent or tool other than Everee's software or a web browser, and forbid monitoring availability or benchmarking.",
          "A company instance starts with a demo call. No self-serve signup, public sandbox host or plan price was found, only calculator defaults of $10 per paid worker and $0.75 per payment."
        ],
        "where": "hosted",
        "x402": "no"
      },
      {
        "bestFor": "An agent acting for an employer or bureau already on Employment Hero Payroll in Australia, New Zealand, the United Kingdom, Singapore or Malaysia, and white label partners who create businesses through the brand endpoints.",
        "grade": "D",
        "name": "Employment Hero Payroll",
        "position": 7,
        "price": "Paid",
        "score": 50.4,
        "slug": "employment-hero",
        "strengths": [
          "Public Swagger 2.0 file for each of five regions, 728 operations for Australia and 821 for the United Kingdom, downloadable without a login",
          "A payroll user generates an API key under My Account with no partner review, and Change API Key invalidates the old one",
          "OData `$filter`, `$orderby`, `$top` and `$skip` on most GET operations, with `$top` capped at 100"
        ],
        "url": "https://www.anchorterminal.com/tools/employment-hero",
        "verdict": "Five public Swagger 2.0 files describe 660 to 821 operations per region, and any payroll user can generate an API key without a partner review. The key carries its user's whole access, no idempotency keys or API changelog were found, and the only official client is for .NET.",
        "weaknesses": [
          "An API key carries the whole access of the user who generated it. No per-key scopes were found",
          "No idempotency keys in the spec or guides, and 5 requests a second per key and IP address is the only documented limit",
          "No changelog, versioning policy or deprecation policy was found for the Payroll API"
        ],
        "where": "local",
        "x402": "no"
      },
      {
        "bestFor": "A software platform that wants to sell payroll to its own business customers and can sign a partner agreement, with Salsa handling tax filing and money movement.",
        "grade": "D",
        "name": "Salsa",
        "position": 8,
        "price": "Paid",
        "score": 46.1,
        "slug": "salsa",
        "strengths": [
          "Public OpenAPI 3.1 spec with 123 operations and 78 webhook events, last modified 7 October 2026, plus llms.txt and a Markdown copy of every docs page",
          "A payroll run is previewed, created as PENDING and paid only after a separate confirm call. A pending run can be deleted",
          "User tokens last 60 minutes by default, carry one of 12 roles in three tiers and name the employers they cover"
        ],
        "url": "https://www.anchorterminal.com/tools/salsa",
        "verdict": "Salsa is reached as an embedded-payroll partner, not through an employer's existing payroll account. The REST API has a public OpenAPI 3.1 spec with 123 operations, a payroll preview, a separate confirm step and short-lived user tokens limited by role. Access starts with a sales conversation, and no public price, self-serve sandbox, status page or API changelog was found.",
        "weaknesses": [
          "API tokens come from Salsa after a sales contact. No self-serve signup, public price, free tier or trial was found",
          "No status page, SLA, API changelog or deprecation policy was found on salsa.dev or docs.salsa.dev",
          "No Idempotency-Key header. The rate-limit page names 429 with no Retry-After or backoff guidance"
        ],
        "where": "hosted",
        "x402": "no"
      },
      {
        "bestFor": "A US staffing platform, marketplace or workforce product that will sign a partnership and run payroll for many employers under its own brand, including daily and on-demand pay.",
        "grade": "E",
        "name": "Zeal",
        "position": 9,
        "price": "Paid",
        "score": 45.4,
        "slug": "zeal",
        "strengths": [
          "Public OpenAPI 3.1 specs with 177 operations, plus llms.txt, llms-full.txt and a Markdown copy of every docs page",
          "Test keys run payroll end to end with no money moved and no tax filings, in an environment separate from production",
          "Preview endpoints return the gross-to-net breakdown before processing, and `approval_required` holds a cheque until `approved` is set"
        ],
        "url": "https://www.anchorterminal.com/tools/zeal",
        "verdict": "Graded on the partner REST API at api.zeal.com, which is the only access route. Three OpenAPI specs, llms.txt, a test environment that moves no money, a preview endpoint and a per-cheque approval flag are documented. Access starts with a demo request, prices are not published, each environment has one unscoped key, and no status page or working changelog was found.",
        "weaknesses": [
          "No self-serve signup. Zeal's team creates the partner account after a demo request, and no price is published",
          "One test key and one production key per partner account, with no scopes and no read-only key",
          "No status page found, and the changelog linked from the home page and llms.txt returns 404"
        ],
        "where": "hosted",
        "x402": "no"
      },
      {
        "bestFor": "A software partner with shared customers on Paychex Flex that needs to sync workers, pay rates, direct deposits and tax setup, or to send hours and earnings into pay entry.",
        "grade": "E",
        "name": "Paychex",
        "position": 10,
        "price": "Paid",
        "score": 44.8,
        "slug": "paychex",
        "strengths": [
          "One public OpenAPI 3.0.3 file describes 110 operations and 147 schemas, with named request and response examples for most of them",
          "Checks are created as unprocessed entries. The docs say the client or a Paychex service provider must review and submit the payroll",
          "A client admin approves each partner app inside Paychex Flex before any company data is reachable, and a delete endpoint removes the link"
        ],
        "url": "https://www.anchorterminal.com/tools/paychex",
        "verdict": "A public OpenAPI 3.0.3 definition covers 110 operations, and payroll entries stay unprocessed until a person submits the payroll in Flex. Partner credentials and the sandbox follow approval by Paychex, no price is published, and no status page, SLA or SDK was found in the reviewed pages.",
        "weaknesses": [
          "Partner access needs a questionnaire, review by the Corporate Partnerships Team, a demo and final approval. The sandbox is issued only after approval",
          "No price is published for the API or for Paychex payroll. The pricing button leads to a sales contact form",
          "No status page, incident history or SLA was found, and the User Terms of Use give no availability guarantee"
        ],
        "where": "local",
        "x402": "no"
      }
    ],
    "updated": "2026-10-09"
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/best/payroll/",
    "json": "https://www.anchorterminal.com/best/payroll/index.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/best/payroll/index.md",
    "slim": "https://www.anchorterminal.com/best/payroll/index.min.md"
  },
  "markdown": "The 10 highest-scoring of 11 payroll APIs and embedded payroll on the Anchor benchmark, with a pick for each need and where each one falls short. Scores come from public evidence, re-checked as vendors change.\n\n- Ranked: 11 · agent-ready (BB or better): 1 · accept x402: 0 · hosted endpoints: 7\n- Full ranked table: https://www.anchorterminal.com/categories/payroll.md\n- Head-to-head comparisons: https://www.anchorterminal.com/compare/payroll/index.md (55)\n- Methodology: https://www.anchorterminal.com/benchmark/index.md\n\n## The shortlist\n\n| # | Tool | Grade | Score | Best for | Price | Where |\n| --- | --- | --- | --- | --- | --- | --- |\n| 1 | [Finch](https://www.anchorterminal.com/tools/finch.md) | BB | 71.6 | An application that needs to read employees, pay runs and pay statements from whatever payroll or HR system an employer already uses, or to write benefit deductions back. | Paid | hosted and local |\n| 2 | [Check](https://www.anchorterminal.com/tools/check-payroll.md) | B | 67.5 | A software platform that wants to sell US payroll inside its own product and can sign a partnership, with Check handling tax calculation, money movement and filings. | Paid | hosted |\n| 3 | [Argyle](https://www.anchorterminal.com/tools/argyle.md) | B | 63.7 | A lender, tenant screener, benefits agency or background checker whose applicant can sign in to a payroll or gig account, and who needs paystubs, employment records or an income report. | Paid | hosted |\n| 4 | [Gusto](https://www.anchorterminal.com/tools/gusto.md) | B | 63.3 | A software platform that wants to run US payroll for its own customers and can pass Gusto's partner reviews. | Paid | local |\n| 5 | [PayFit](https://www.anchorterminal.com/tools/payfit.md) | C | 55.5 | An agent working for an employer that already runs payroll on PayFit in France, the UK or Spain and needs employees, contracts, payslips, absences or the payroll journal. | Paid | local |\n| 6 | [Everee](https://www.anchorterminal.com/tools/everee.md) | C | 55.1 | A staffing, delivery or vertical software platform, or a single employer, that pushes hours and flat payments for W-2 and 1099 workers and lets admins approve in Everee's portal. | Paid | hosted |\n| 7 | [Employment Hero Payroll](https://www.anchorterminal.com/tools/employment-hero.md) | D | 50.4 | An agent acting for an employer or bureau already on Employment Hero Payroll in Australia, New Zealand, the United Kingdom, Singapore or Malaysia, and white label partners who create businesses through the brand endpoints. | Paid | local |\n| 8 | [Salsa](https://www.anchorterminal.com/tools/salsa.md) | D | 46.1 | A software platform that wants to sell payroll to its own business customers and can sign a partner agreement, with Salsa handling tax filing and money movement. | Paid | hosted |\n| 9 | [Zeal](https://www.anchorterminal.com/tools/zeal.md) | E | 45.4 | A US staffing platform, marketplace or workforce product that will sign a partnership and run payroll for many employers under its own brand, including daily and on-demand pay. | Paid | hosted |\n| 10 | [Paychex](https://www.anchorterminal.com/tools/paychex.md) | E | 44.8 | A software partner with shared customers on Paychex Flex that needs to sync workers, pay rates, direct deposits and tax setup, or to send hours and earnings into pay entry. | Paid | local |\n\n## Picks by need\n\n- Highest score overall: [Finch](https://www.anchorterminal.com/tools/finch.md), BB, 71.6/100 on the benchmark. Also [Check](https://www.anchorterminal.com/tools/check-payroll.md), B, 67.5/100.\n- Reliability: [Everee](https://www.anchorterminal.com/tools/everee.md), 87/100 on reliability, against 84 for the overall leader.\n- Agent ergonomics: [Check](https://www.anchorterminal.com/tools/check-payroll.md), 83/100 on agent ergonomics, against 71 for the overall leader.\n- Security \u0026 auth: [Check](https://www.anchorterminal.com/tools/check-payroll.md), 74/100 on security \u0026 auth, against 66 for the overall leader.\n- Transparency \u0026 trust: [Argyle](https://www.anchorterminal.com/tools/argyle.md), 83/100 on transparency \u0026 trust, against 74 for the overall leader.\n\n## How to choose\n\n- Preview before payroll approval: Check that a payroll can be previewed with its totals and tax lines before it is approved, since approving a run is the step that moves money.\n- Human approval before payroll runs: Check which approvals a person must give before an agent can submit or approve a run, since the approval route decides who is accountable for pay.\n- Steps before live payroll: Check what onboarding, partner agreement or consent sits between a sandbox and live payroll, since an integration cannot run for real employees until those steps are complete.\n- Country and worker type coverage: Check which countries and worker types the API covers for onboarding and pay, since contractors and staff in an uncovered country cannot be paid through the same agent flow.\n\n- How the benchmark tests this category: One test employer with three workers in each listing's sandbox. The same tasks run through its API (onboard a worker, enter hours, preview a payroll, approve it, read the pay statements). We check the calculation preview, approval steps and the onboarding needed for production. In this run listings are graded from public evidence against the published checklist.\n\n## Each one in detail\n\n### 1. Finch, BB 71.6/100\n\nFinch is a unified API for reading an employer's existing HR and payroll system, run by Profound Platform Inc. in San Francisco. Applications read directory, employment and pay data from 250+ systems and write payroll deductions.\n\n- Verdict: Graded on the REST API. An employer grants each connection named product permissions, and limits, error codes and a 99.9 per cent uptime SLA are published. Finch reads payroll and writes deductions but cannot run a payroll. Access tokens never expire, no idempotency keys were found, and writes and most providers need a sales-led plan.\n- Choose it for: An application that needs to read employees, pay runs and pay statements from whatever payroll or HR system an employer already uses, or to write benefit deductions back.\n- Strength: One OpenAPI 3.1 file covers 55 operations, and llms.txt indexes the documentation with every page served as Markdown\n- Strength: Each access token is tied to one employer connection and limited to the products that employer approved, with SSN as a separate permission needing Finch's approval\n- Strength: Rate limits are published per endpoint (20 or 12 requests a minute per application), with 429 errors that name which limit was hit\n- Weakness: Finch cannot create, preview or approve a payroll. Writes are limited to deductions and contributions, on Pro and Premier plans\n- Weakness: An access token does not expire until the connection is disconnected, and no rotation method was found in the reviewed documentation\n- Weakness: No idempotency keys were found, and no `Retry-After` header is documented on 429 responses\n- Price: Paid · Auth: OAuth · x402: no · Where: hosted and local\n- Full assessment: https://www.anchorterminal.com/tools/finch.md\n\n### 2. Check, B 67.5/100\n\nCheck is an embedded payroll API from Check Technologies in New York. Software platforms build US payroll on it for their own customers, with tax calculation, payment and filing handled by Check. Access is by partner agreement.\n\n- Verdict: Graded as embedded payroll through a partner API key, not access to an existing employer's payroll account. The API has idempotency keys on writes, a required preview before approval and queryable request logs. No price is public, a sandbox key comes through Check's sales team, and one API key carries the whole partner account.\n- Choose it for: A software platform that wants to sell US payroll inside its own product and can sign a partnership, with Check handling tax calculation, money movement and filings.\n- Strength: `X-Idempotency-Key` is accepted on writes and stored for 24 hours, and a 429 carries `Retry-After` with `RateLimit-Limit` and `RateLimit-Remaining` on every authenticated response\n- Strength: A payroll must have a succeeded preview before approval, and `preview_started_at` makes approval fail with 409 `preview_superseded` if the preview is stale\n- Strength: Every response carries `X-Request-Log-Id`, and GET /logs returns request logs with SSNs, bank account numbers and the `Authorization` header redacted\n- Weakness: No public price and no self-serve signup. The documentation says to request an API key through Check's sales contact\n- Weakness: An API key carries the whole partner account. No per-key scopes or read-only keys were found in the reviewed documentation\n- Weakness: No official SDK in a general programming language was found. The CLI and MCP server install from a git clone, not from PyPI\n- Price: Paid · Auth: OAuth or key · x402: no · Where: hosted\n- Full assessment: https://www.anchorterminal.com/tools/check-payroll.md\n- Against #1: https://www.anchorterminal.com/compare/check-payroll-vs-finch.md\n\n### 3. Argyle, B 63.7/100\n\nArgyle is a consumer-permissioned verification API run by Argyle Systems Inc. A worker connects a payroll account through Argyle Link, and applications read identity, employment, paystub and document records or order income and employment reports.\n\n- Verdict: Graded on the REST API. One OpenAPI file covers 91 operations, llms.txt indexes Markdown docs, and a Sandbox with sample users comes with a Console sign-up. Every payroll connection needs the worker to sign in through Link. No prices are published, no idempotency keys were found, and API keys carry no per-key scopes.\n- Choose it for: A lender, tenant screener, benefits agency or background checker whose applicant can sign in to a payroll or gig account, and who needs paystubs, employment records or an income report.\n- Strength: One OpenAPI 3.0 file covers 91 operations and 119 schemas, and llms.txt indexes the documentation with every page served as Markdown\n- Strength: Each payroll connection is made by the worker through Argyle Link, and the worker can remove it through Link or Argyle Passport\n- Strength: A Sandbox at `https://api-sandbox.argyle.com/v2` has three sample users, simulated refreshes and its own API keys\n- Weakness: No price is published. The site has no pricing page, and fees are set in a Service Order agreed with sales\n- Weakness: No idempotency keys were found for `POST /users` or `POST /verifications`, and no `Retry-After` header is documented on 429 responses\n- Weakness: API keys are an ID and secret pair with no per-key scopes or read-only mode found in the reviewed documentation\n- Price: Paid · Auth: API key · x402: no · Where: hosted\n- Full assessment: https://www.anchorterminal.com/tools/argyle.md\n- Against #1: https://www.anchorterminal.com/compare/argyle-vs-finch.md\n\n### 4. Gusto, B 63.3/100\n\nGusto Embedded Payroll is a REST API for running US payroll inside another product, covering company and worker onboarding, payroll calculation and submission, tax filing and contractor payments. Production access needs a partnership with Gusto. A demo environment is self-serve.\n\n- Verdict: This listing covers the Embedded Payroll API. Every reference page carries an OpenAPI 3.1 definition, payroll is calculated as a preview before submission, and each API version gets 12 months of deprecation support. Production needs commercial and security approval, no price was readable, and the status page lists 11 incidents between 14 July and 5 October 2026, five marked major.\n- Choose it for: A software platform that wants to run US payroll for its own customers and can pass Gusto's partner reviews.\n- Strength: Each of 317 reference pages serves an OpenAPI 3.1 definition as Markdown, and llms.txt indexes both documentation projects\n- Strength: Payroll runs in steps (prepare, calculate, submit). Calculate returns a preview with `submission_blockers` before any money moves\n- Strength: Each API version gets 12 months of phased support after deprecation, with dates published and `Deprecation`, `Sunset` and `Link` response headers\n- Weakness: Production keys need commercial, security and implementation reviews with Gusto's partnerships team, and the docs say not all use cases are supported\n- Weakness: The Embedded API status page lists 11 incidents between 14 July and 5 October 2026, five marked major, one titled a complete outage\n- Weakness: No price was readable. gusto.com and embedded.gusto.com answered our reader with a bot check, and the docs carry no figures\n- Price: Paid · Auth: OAuth · x402: no · Where: local\n- Full assessment: https://www.anchorterminal.com/tools/gusto.md\n- Against #1: https://www.anchorterminal.com/compare/finch-vs-gusto.md\n\n### 5. PayFit, C 55.5/100\n\nPayFit is payroll and HR software for small and mid-sized employers in France, the United Kingdom and Spain. Its Partner API reads employees, contracts, payslips, absences and accounting exports, with a customer API key or partner OAuth.\n\n- Verdict: A public OpenAPI 3.0 file, llms.txt and scoped keys let a paying customer's agent read payroll outputs and write absences. The API cannot run or approve a payroll, new partner integrations are not being accepted, and no idempotency keys or SDKs were found.\n- Choose it for: An agent working for an employer that already runs payroll on PayFit in France, the UK or Spain and needs employees, contracts, payslips, absences or the payroll journal.\n- Strength: Public OpenAPI 3.0 file with 31 operations, each documenting 400, 401, 403 and 404 responses with an example\n- Strength: llms.txt and a Markdown twin for every guide, reference and changelog page\n- Strength: Customer API keys and partner OAuth tokens are limited to chosen scopes from 22, with read and write separate\n- Weakness: No operation runs, previews or approves a payroll. The API reads payroll status, payslips and accounting exports\n- Weakness: The partner guides say PayFit is temporarily not accepting new integration requests, with no reopening date\n- Weakness: The webhook guide documents a call that sends `clientSecret` and `clientId` in the URL query string\n- Price: Paid · Auth: OAuth or key · x402: no · Where: local\n- Full assessment: https://www.anchorterminal.com/tools/payfit.md\n- Against #1: https://www.anchorterminal.com/compare/finch-vs-payfit.md\n\n### 6. Everee, C 55.1/100\n\nPayroll and worker payments from Everee, Inc. for United States employers and software platforms. A REST API onboards W-2 and 1099 workers, takes timesheets and payable items, requests payouts and reads pay history, with embeddable worker screens and webhooks.\n\n- Verdict: Everee's API tokens are created in the admin portal of each company instance, and payments wait for a payroll admin's approval unless auto-approval is arranged. The API has no preview or approval endpoint, no single OpenAPI file, no SDK and no changelog, and a company instance starts with a sales call.\n- Choose it for: A staffing, delivery or vertical software platform, or a single employer, that pushes hours and flat payments for W-2 and 1099 workers and lets admins approve in Everee's portal.\n- Strength: Every docs page has a Markdown copy listed in `llms.txt`, and each reference page carries an OpenAPI 3.0.1 fragment with request and response schemas (51 operations).\n- Strength: Payable items need an `externalId` that the API rejects when repeated, and changes to paid timesheets need `correction-authorized=true`.\n- Strength: Rate limits are published (200 operations per 5 seconds) with `RateLimit-Remaining`, `RateLimit-Reset`, `RateLimit-Limit` and `RateLimit-Policy` response headers and backoff guidance.\n- Weakness: No preview or approval endpoint was found. Payments are approved by a payroll admin in the Everee portal, or automatically if Everee sets that up.\n- Weakness: The Terms and Conditions forbid access through any agent or tool other than Everee's software or a web browser, and forbid monitoring availability or benchmarking.\n- Weakness: A company instance starts with a demo call. No self-serve signup, public sandbox host or plan price was found, only calculator defaults of $10 per paid worker and $0.75 per payment.\n- Price: Paid · Auth: API key · x402: no · Where: hosted\n- Full assessment: https://www.anchorterminal.com/tools/everee.md\n- Against #1: https://www.anchorterminal.com/compare/everee-vs-finch.md\n\n### 7. Employment Hero Payroll, D 50.4/100\n\nEmployment Hero Payroll (formerly KeyPay) is cloud payroll for Australia, New Zealand, the United Kingdom, Singapore and Malaysia. Its REST API covers businesses, employees, timesheets, leave, pay runs and reports, with an API key or OAuth 2.0.\n\n- Verdict: Five public Swagger 2.0 files describe 660 to 821 operations per region, and any payroll user can generate an API key without a partner review. The key carries its user's whole access, no idempotency keys or API changelog were found, and the only official client is for .NET.\n- Choose it for: An agent acting for an employer or bureau already on Employment Hero Payroll in Australia, New Zealand, the United Kingdom, Singapore or Malaysia, and white label partners who create businesses through the brand endpoints.\n- Strength: Public Swagger 2.0 file for each of five regions, 728 operations for Australia and 821 for the United Kingdom, downloadable without a login\n- Strength: A payroll user generates an API key under My Account with no partner review, and Change API Key invalidates the old one\n- Strength: OData `$filter`, `$orderby`, `$top` and `$skip` on most GET operations, with `$top` capped at 100\n- Weakness: An API key carries the whole access of the user who generated it. No per-key scopes were found\n- Weakness: No idempotency keys in the spec or guides, and 5 requests a second per key and IP address is the only documented limit\n- Weakness: No changelog, versioning policy or deprecation policy was found for the Payroll API\n- Price: Paid · Auth: OAuth or key · x402: no · Where: local\n- Full assessment: https://www.anchorterminal.com/tools/employment-hero.md\n- Against #1: https://www.anchorterminal.com/compare/employment-hero-vs-finch.md\n\n### 8. Salsa, D 46.1/100\n\nEmbedded payroll from Salsa Software Inc. for software platforms. A partner's backend onboards employers and workers, sends pay data, previews and confirms payroll runs and reads pay statements through a REST API, while Salsa files taxes and moves money.\n\n- Verdict: Salsa is reached as an embedded-payroll partner, not through an employer's existing payroll account. The REST API has a public OpenAPI 3.1 spec with 123 operations, a payroll preview, a separate confirm step and short-lived user tokens limited by role. Access starts with a sales conversation, and no public price, self-serve sandbox, status page or API changelog was found.\n- Choose it for: A software platform that wants to sell payroll to its own business customers and can sign a partner agreement, with Salsa handling tax filing and money movement.\n- Strength: Public OpenAPI 3.1 spec with 123 operations and 78 webhook events, last modified 7 October 2026, plus llms.txt and a Markdown copy of every docs page\n- Strength: A payroll run is previewed, created as PENDING and paid only after a separate confirm call. A pending run can be deleted\n- Strength: User tokens last 60 minutes by default, carry one of 12 roles in three tiers and name the employers they cover\n- Weakness: API tokens come from Salsa after a sales contact. No self-serve signup, public price, free tier or trial was found\n- Weakness: No status page, SLA, API changelog or deprecation policy was found on salsa.dev or docs.salsa.dev\n- Weakness: No Idempotency-Key header. The rate-limit page names 429 with no Retry-After or backoff guidance\n- Price: Paid · Auth: API key · x402: no · Where: hosted\n- Full assessment: https://www.anchorterminal.com/tools/salsa.md\n- Against #1: https://www.anchorterminal.com/compare/finch-vs-salsa.md\n\n### 9. Zeal, E 45.4/100\n\nZeal is an embedded payroll API for US staffing platforms, labour marketplaces and workforce software. Partners create employer companies, onboard W-2 employees and 1099 contractors, create pay cheques and contractor payments, preview payroll and pull reports.\n\n- Verdict: Graded on the partner REST API at api.zeal.com, which is the only access route. Three OpenAPI specs, llms.txt, a test environment that moves no money, a preview endpoint and a per-cheque approval flag are documented. Access starts with a demo request, prices are not published, each environment has one unscoped key, and no status page or working changelog was found.\n- Choose it for: A US staffing platform, marketplace or workforce product that will sign a partnership and run payroll for many employers under its own brand, including daily and on-demand pay.\n- Strength: Public OpenAPI 3.1 specs with 177 operations, plus llms.txt, llms-full.txt and a Markdown copy of every docs page\n- Strength: Test keys run payroll end to end with no money moved and no tax filings, in an environment separate from production\n- Strength: Preview endpoints return the gross-to-net breakdown before processing, and `approval_required` holds a cheque until `approved` is set\n- Weakness: No self-serve signup. Zeal's team creates the partner account after a demo request, and no price is published\n- Weakness: One test key and one production key per partner account, with no scopes and no read-only key\n- Weakness: No status page found, and the changelog linked from the home page and llms.txt returns 404\n- Price: Paid · Auth: API key · x402: no · Where: hosted\n- Full assessment: https://www.anchorterminal.com/tools/zeal.md\n- Against #1: https://www.anchorterminal.com/compare/finch-vs-zeal.md\n\n### 10. Paychex, E 44.8/100\n\nPaychex's REST API reads and updates company, worker and pay data in Paychex Flex, a US payroll and HR service. Clients create an app inside their Flex account. Software partners apply to Paychex for a sandbox and production credentials.\n\n- Verdict: A public OpenAPI 3.0.3 definition covers 110 operations, and payroll entries stay unprocessed until a person submits the payroll in Flex. Partner credentials and the sandbox follow approval by Paychex, no price is published, and no status page, SLA or SDK was found in the reviewed pages.\n- Choose it for: A software partner with shared customers on Paychex Flex that needs to sync workers, pay rates, direct deposits and tax setup, or to send hours and earnings into pay entry.\n- Strength: One public OpenAPI 3.0.3 file describes 110 operations and 147 schemas, with named request and response examples for most of them\n- Strength: Checks are created as unprocessed entries. The docs say the client or a Paychex service provider must review and submit the payroll\n- Strength: A client admin approves each partner app inside Paychex Flex before any company data is reachable, and a delete endpoint removes the link\n- Weakness: Partner access needs a questionnaire, review by the Corporate Partnerships Team, a demo and final approval. The sandbox is issued only after approval\n- Weakness: No price is published for the API or for Paychex payroll. The pricing button leads to a sales contact form\n- Weakness: No status page, incident history or SLA was found, and the User Terms of Use give no availability guarantee\n- Price: Paid · Auth: OAuth · x402: no · Where: local\n- Full assessment: https://www.anchorterminal.com/tools/paychex.md\n- Against #1: https://www.anchorterminal.com/compare/finch-vs-paychex.md\n\n1 more are ranked in the full table: https://www.anchorterminal.com/categories/payroll.md\n\n## Head to head\n\n- [Check vs Finch](https://www.anchorterminal.com/compare/check-payroll-vs-finch.md)\n- [Argyle vs Finch](https://www.anchorterminal.com/compare/argyle-vs-finch.md)\n- [Finch vs Gusto](https://www.anchorterminal.com/compare/finch-vs-gusto.md)\n- [Finch vs PayFit](https://www.anchorterminal.com/compare/finch-vs-payfit.md)\n- [Argyle vs Check](https://www.anchorterminal.com/compare/argyle-vs-check-payroll.md)\n- [Check vs Gusto](https://www.anchorterminal.com/compare/check-payroll-vs-gusto.md)\n- [Check vs PayFit](https://www.anchorterminal.com/compare/check-payroll-vs-payfit.md)\n- [Argyle vs Gusto](https://www.anchorterminal.com/compare/argyle-vs-gusto.md)\n- [Argyle vs PayFit](https://www.anchorterminal.com/compare/argyle-vs-payfit.md)\n- [Gusto vs PayFit](https://www.anchorterminal.com/compare/gusto-vs-payfit.md)\n\n## Questions\n\n### What are the highest-rated payroll APIs and embedded payroll for AI agents?\n\nFinch has the highest benchmark score of the 11 ranked payroll APIs and embedded payroll, 71.6 (BB). Check is second with 67.5 (B).\n\n### How many payroll APIs and embedded payroll are agent-ready?\n\n1 of the 11 ranked here grade BB or better, the bar for agent-ready on the Anchor benchmark.\n\n### Which payroll APIs and embedded payroll accept x402 payments?\n\nNone of the ranked listings here accepts x402 for its main call yet.\n\n### How is this list ranked?\n\nBy the Anchor benchmark score out of 100, a weighted mean of the scored categories minus deductions for negative events, from public evidence re-checked as vendors change. Listings cannot pay for a place. The latest assessment behind this page is from 9 October 2026.\n\n## How this list is made\n\nThe order is the Anchor benchmark score, the same number as on each listing. Each listing is graded from public evidence against the benchmark checklist, and the picks are worked out from those grades, prices and facts. No listing pays for its place, and paid audits or listing help never change a score.\n",
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