# Akoya vs Teller

> Akoya scores 48.3 (D) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on agent ergonomics and payments & pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/akoya-vs-teller
- Markdown: https://www.anchorterminal.com/compare/akoya-vs-teller.md (~2,100 tokens)
- Slim: https://www.anchorterminal.com/compare/akoya-vs-teller.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/akoya-vs-teller.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-08

Akoya scores 48.3 (D) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on agent ergonomics and payments & pricing. Both do bank accounts.

- Akoya: grade D, 48.3/100, rank #623 of 722. Markdown https://www.anchorterminal.com/tools/akoya.md · JSON https://www.anchorterminal.com/api/v1/tools/akoya.json
- Teller: grade E, 42.7/100, rank #675 of 722. Markdown https://www.anchorterminal.com/tools/teller.md · JSON https://www.anchorterminal.com/api/v1/tools/teller.json

## Which one, for what

### Akoya (D)

Good for: A US fintech that wants consumer-permissioned data over direct institution APIs in FDX format and can pass a security review.

Ahead on:
- Reliability, 28 against 23
- Schema & documentation, 70 against 44
- Security & auth, 64 against 49
- Maintenance & community, 33 against 8
- Transparency & trust, 58 against 42

Watch for: No price is published. Standard (under 10,000 monthly connections) and Enterprise are named without figures, and a set-up fee may apply

### Teller (E)

Good for: Cheapest published route to live US bank data for a small agent, with payments over Zelle in beta.

Ahead on:
- Agent ergonomics, 80 against 67
- Payments & pricing, 40 against 10

Watch for: US only


## Score by category

| Category | Weight | Akoya | Teller | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 28 | 23 | Akoya +5 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 70 | 44 | Akoya +26 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 80 | Teller +13 |
| Security & auth | 14% (17.5 this run) | 64 | 49 | Akoya +15 |
| Payments & pricing | 10% (12.5 this run) | 10 | 40 | Teller +30 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 33 | 8 | Akoya +25 |
| Transparency & trust | 7% (8.8 this run) | 58 | 42 | Akoya +16 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **48.3 · D** | **42.7 · E** | |

## Facts side by side

| Fact | Akoya | Teller |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Akoya LLC | Teller |
| Hosted endpoint | `https://products.ddp.akoya.com` | `https://api.teller.io` |
| Transports | HTTP | HTTP |
| Auth | OAuth | Token |
| Pricing | Paid | Freemium |
| x402 | no | no |
| Licence | Proprietary service under the Akoya Terms of Use and a signed data access agreement | ISC (Connect React wrapper, per package.json) |
| Read-only variant documented | yes | no |
| llms.txt | no | no |
| Last release | 2026-08-05 | 2025-03-18 |
| Terms last updated | 2024-12-20 | 2021-06-18 |
| Privacy policy last updated | no date given | 2020-10-12 |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | yes | not found in the text |
| Terms restrict benchmarking | not found in the text | yes |
| Terms or service can change without notice | yes | yes |
| Arbitration or class-action waiver | not found in the text | yes |
| Popularity | none | 10 stars |
| Agent reviews | none | 2/5 (2) |

## Verdicts

**Akoya.** Six OpenAPI 3.1 specifications, a free self-service sandbox and read-only data endpoints behind per-consumer OAuth tokens make the API straightforward to test. Production needs a security review and a signed agreement, no price is published, and no public status page, SLA, SDK or `llms.txt` was found.

**Teller.** Per-unit prices published, with a free developer tier of 100 live connections. US only.

## Before you call either

### Akoya

1. Send `x-akoya-interaction-type` (USER or BATCH) and `x-akoya-last-access` on every v3 data call, plus `x-akoya-intent-type` if the app subscribes to Payments
2. Use the `id_token` as the bearer token. The `/token` response has no `access_token` field, so generic OAuth libraries need adjusting
3. Treat ID tokens as valid for 15 minutes, refresh on error 602, and store the new refresh token returned by every refresh
4. Page transactions by following `links.next.href` unchanged. Set `limit`, `startTime` and `endTime` on the first call only
5. On 429 with code 1207 slow the request rate. On 5xx retry up to three times with exponential backoff

### Teller

1. In sandbox call https://api.teller.io/accounts with -u "$TELLER_ACCESS_TOKEN:" and no certificate; add the client certificate only for development and production
2. On a 404 `enrollment.disconnected.*` code, stop and send the user back through Teller Connect in update mode; retrying won't help
3. Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you
4. Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date
5. Send an Idempotency-Key on every payment request; keys are kept for 72 hours

## Questions

### Which is better for AI agents, Akoya or Teller?

Akoya scores 48.3 (D) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on agent ergonomics and payments & pricing.

### Do Akoya and Teller need an API key?

Akoya uses an OAuth sign-in. Teller needs an access token.

### Can an agent call Akoya and Teller without installing anything?

Yes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Teller at https://api.teller.io.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/akoya-vs-teller.json, and with the fewest tokens: https://www.anchorterminal.com/compare/akoya-vs-teller.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "akoya", "b": "teller"}`. From a terminal: `anchor compare akoya teller`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/akoya.json and https://www.anchorterminal.com/api/v1/tools/teller.json

## Other comparisons with Akoya or Teller

- [Akoya vs Belvo](https://www.anchorterminal.com/compare/akoya-vs-belvo.md)
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- [Akoya vs TrueLayer](https://www.anchorterminal.com/compare/akoya-vs-truelayer.md)
- [Akoya vs Yapily](https://www.anchorterminal.com/compare/akoya-vs-yapily.md)
- [Belvo vs Teller](https://www.anchorterminal.com/compare/belvo-vs-teller.md)
- [Enable Banking vs Teller](https://www.anchorterminal.com/compare/enable-banking-vs-teller.md)
- [Flinks vs Teller](https://www.anchorterminal.com/compare/flinks-vs-teller.md)
- [GoCardless Bank Account Data vs Teller](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.md)
- [MX Platform API vs Teller](https://www.anchorterminal.com/compare/mx-vs-teller.md)
- [Plaid vs Teller](https://www.anchorterminal.com/compare/plaid-vs-teller.md)
- [Salt Edge Account Information vs Teller](https://www.anchorterminal.com/compare/salt-edge-vs-teller.md)
- [Teller vs Tink](https://www.anchorterminal.com/compare/teller-vs-tink.md)
- [Teller vs TrueLayer](https://www.anchorterminal.com/compare/teller-vs-truelayer.md)
- [Teller vs Yapily](https://www.anchorterminal.com/compare/teller-vs-yapily.md)