{ "data": { "a": { "slug": "codat", "name": "Codat", "vendor": "Codat Limited", "vendorUrl": "https://codat.io", "kind": "http-api", "category": "accounting", "summary": "Codat connects a business's accounting, banking and commerce software to financial products and banks through one REST API. Product APIs cover bill pay, expenses, bank feeds and lending data, with official SDKs for TypeScript, Python and C#.", "url": "https://www.anchorterminal.com/tools/codat", "markdownUrl": "https://www.anchorterminal.com/tools/codat.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/codat.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/codat.json", "repo": "https://github.com/codatio/oas", "license": "Proprietary service under Codat's Master Services Agreement. The documentation repository codatio/codat-docs is Apache-2.0", "transports": [ "http" ], "remoteUrl": "https://api.codat.io", "packages": [ { "registry": "npm", "name": "@codat/platform" }, { "registry": "pypi", "name": "codat-platform" } ], "auth": "api-key", "authNotes": "An API key, Base64 encoded, in an `Authorization: Basic` header on every call to https://api.codat.io. An account comes through Codat's sales team. The docs say to get in touch to create one, and no self-serve signup was found. A client can hold up to 10 named keys, created and deleted in the Portal by Administrator or Developer users or through the /apiKeys endpoints. Keys have no scopes, so each one reaches every company the client has connected. End customers authorise their accounting package through Codat's Link flow.", "pricing": "paid", "pricingNotes": "No public price. codat.io/pricing returns 404 and the site's buttons ask for a meeting. The standard MSA sets a platform fee invoiced in advance and a unit fee per active company per month, both in an order form. The docs describe a free trial limited to 50 companies, no hourly syncs and 365 days, and a Codat Sandbox integration that is excluded from billing, but an account starts with a request to Codat (checked 2026-10-08).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs repository, the OpenAPI specs or the site (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 2690, "pypiWeekly": 222, "asOf": "2026-10-08" }, "docsUrl": "https://docs.codat.io/using-the-api/overview", "openapi": "https://raw.githubusercontent.com/codatio/oas/main/json/Codat-Platform.json", "capabilities": [ "accounting.unified", "accounting.bills", "accounting.reports", "accounting.ledger", "accounting.invoices" ], "tags": [ "hosted", "paid", "sales-led", "api-key", "openapi", "webhooks", "async-jobs", "idempotency", "sandbox", "typescript", "python", "csharp", "status-page", "soc2", "iso27001", "closed-source" ], "lastRelease": "2026-10-01", "graded": true, "anchor": { "graded": true, "score": 64.3, "grade": "B", "agentReady": false, "rank": 280, "ranked": true, "rankOf": 722, "categoryRank": 4, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 81, "maintenance": 75, "payments": 10, "reliability": 80, "schema": 77, "security": 49, "transparency": 71 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "Public OpenAPI specs, an Idempotency-Key header on writes, Retry-After on 429 and a written three-month deprecation notice suit an agent that retries. Access is the limitation. No price or self-serve signup is published, the general Accounting API is closed to new clients, and API keys carry no scopes.", "bestFor": "Banks, lenders, bill pay, expense and card products that already have or will sign a Codat contract and need writes into many accounting packages.", "strengths": [ "Public OpenAPI 3 specs for every API in codatio/oas, with long operation descriptions and per-integration response examples", "Idempotency-Key header on POST and PATCH, cached for 90 minutes, and released after a 429 so the same key can be retried", "429 responses carry Retry-After, and every response carries X-Rate-Limit-Limit, Remaining and Reset headers", "Breaking changes are posted at least three months ahead, with a deprecation calendar and quarterly emails", "Annual SOC 2 Type II and ISO 27001 audits and a private bug bounty, per codat.io/security" ], "weaknesses": [ "No public price. The pricing page returns 404 and fees are set in an order form", "No self-serve signup found. The docs and the site ask new users to get in touch", "The general Accounting API spec says it is relevant only to existing clients, and the status page labels it Legacy", "API keys have no scopes or read-only mode, and one key reaches every connected company", "Two complete API outages in July 2026, of 14 and 12 minutes, and intermittent Xero failures from 22 to 29 July", "The Java and Go SDKs were archived in April and May 2026" ], "agentNotes": [ "Send `Authorization: Basic \u003cbase64 of the API key\u003e` to https://api.codat.io. The Portal shows the ready-made header value", "Send a new GUID as `Idempotency-Key` on every POST and PATCH, and reuse the same key when retrying after a 429", "Treat writes as asynchronous on most APIs. Keep the push operation key and wait for the `{dataType}.write.successful` or `.unsuccessful` webhook", "Call the Get model (options) endpoint for the connection before a create or update, because required fields differ by accounting package", "Filter with `query=modifiedDate\u003e...` and keep `pageSize` at 100. The daily quota is 1,000 requests times one plus the number of active connected companies" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 64.3 } ], "editorialScores": { "ergonomics": 81, "maintenance": 75, "payments": 10, "reliability": 80, "schema": 77, "security": 49, "transparency": 59 }, "provenanceScore": 82 }, "connect": { "install": "npm install @codat/platform", "http": "curl https://api.codat.io/companies \\\n -H \"Authorization: Basic $CODAT_ENCODED_API_KEY\"" }, "letme": { "capability": "https://letme.dev/accounting.unified", "tool": "https://letme.dev/codat" }, "area": "domain-data", "provenance": { "legalEntity": "Codat Limited", "domain": "codat.io", "domainRegistered": "2016-10-17", "endpointOnVendorDomain": true, "terms": "https://codat.io/msa-standard/", "privacy": "https://codat.io/privacy-policy/", "statusPage": "https://status.codat.io", "changelog": "https://docs.codat.io/updates", "securityTxt": "none", "checked": "2026-10-08", "notes": [ "The standard MSA (version 2.0, 5 September 2022) names Codat Limited, registered in England and Wales, number 10480375, 6-7 St. Cross Street, London EC1N 8UB, for clients in the UK and the rest of the world outside the USA. The privacy notice also names Codat, Inc., a Delaware corporation.", "codat.io/legals lists two agreements, the Master Services Agreement (standard and enterprise versions) and the Start-up Plan terms. The standard MSA is the one recorded here.", "The Codat Global Privacy Notice was last updated in April 2025. It is written mainly for website visitors, and the MSA points to the same page for the sub-processor list.", "codat.io, app.codat.io and api.codat.io all return 404 for /.well-known/security.txt. codat.io/security has a disclosure form.", "RDAP for codat.io gives a registration date of 2016-10-17." ], "score": 82 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/codat.json", "live": { "slug": "codat", "probe": { "target": "https://api.codat.io", "method": "get", "lastAt": "2026-10-08T19:52:48.243499388Z", "lastOk": true, "lastStatus": 404, "lastMs": 77, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 70, "p95ms24h": 157, "samples24h": 27, "samples30d": 27, "days": [ { "date": "2026-10-08", "probes": 27, "ok": 27 } ] }, "vendorStatus": { "page": "https://status.codat.io", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-08T19:50:31.48060163Z" }, "pages": [ { "url": "https://docs.codat.io/updates", "kind": "changelog", "status": 200, "checkedAt": "2026-10-08T18:18:26.233949031Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "07529b659c92" }, { "url": "https://codat.io/privacy-policy/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:16:28.10988641Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e89a28b3e19e" }, { "url": "https://codat.io/msa-standard/", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:16:25.833678794Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "a5936b16dc49" } ], "updatedAt": "2026-10-08T19:52:48.243499388Z" } }, "answer": "Codat scores 64.3 (B) on agent readiness against FreeAgent API's 57.2 (C), and leads in 4 of 7 scored categories. FreeAgent API leads on reliability and payments \u0026 pricing.", "b": { "slug": "freeagent", "name": "FreeAgent API", "vendor": "FreeAgent", "vendorUrl": "https://dev.freeagent.com", "kind": "http-api", "category": "accounting", "summary": "REST API for FreeAgent, the UK small-business accounting product owned by NatWest Group.", "url": "https://www.anchorterminal.com/tools/freeagent", "markdownUrl": "https://www.anchorterminal.com/tools/freeagent.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/freeagent.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/freeagent.json", "transports": [ "http" ], "remoteUrl": "https://api.freeagent.com/v2", "packages": [], "auth": "oauth", "authNotes": "OAuth 2.0 authorisation code. Register an app in the developer dashboard for an OAuth identifier and secret. Access tokens last one hour, and each refresh returns a new access token and a new refresh token, so store the replacement. One token per FreeAgent user who authorised the app. The same flow works against the sandbox at api.sandbox.freeagent.com.", "pricing": "byo-plan", "pricingNotes": "The API is free under section 4.1 of the API terms, with 30 days' notice before any fee is introduced. A live company needs a FreeAgent subscription, listed at £33 a month for a limited company on freeagent.com, or free with a NatWest, Royal Bank of Scotland, Ulster Bank or Mettle business account. The sandbox is a free temporary account at signup.sandbox.freeagent.com (https://dev.freeagent.com/docs/api_terms).", "priceSummary": "Your plan", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://dev.freeagent.com/docs", "capabilities": [ "accounting.ledger", "accounting.invoices", "accounting.bills", "accounting.reports" ], "tags": [ "hosted", "byo-plan", "free-tier", "oauth", "uk", "status-page", "closed-source" ], "lastRelease": "2026-09-01", "graded": true, "anchor": { "graded": true, "score": 57.2, "grade": "C", "agentReady": false, "rank": 481, "ranked": true, "rankOf": 722, "categoryRank": 6, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 55, "maintenance": 60, "payments": 30, "reliability": 85, "schema": 50, "security": 44, "transparency": 74 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "Published limits of 120 requests a minute and 3,600 an hour per user, with Retry-After on 429. No OAuth scopes, so a token can do anything the authorising user can.", "bestFor": "An agent doing the books for a UK freelancer or small limited company, especially one already banking with NatWest.", "strengths": [ "Published limits of 120 requests a minute and 3,600 an hour per user, with Retry-After on 429", "X-RateLimit-Test header that lowers the sandbox to 5 requests a minute for testing back-off", "API free under section 4.1 of the terms, with 30 days' notice before any fee", "Free sandbox with its own sign-up and API host", "Valid security.txt, a disclosure policy and Cyber Essentials Plus" ], "weaknesses": [ "No OAuth scopes, so a token can do anything the authorising user can", "No OpenAPI spec, SDK, llms.txt or official MCP server", "Error responses aren't documented beyond the 429", "UK only, so VAT, MTD and HMRC filings are the tax model", "API terms bar migrating data to a competitor and using the API for benchmarking or comparison" ], "agentNotes": [ "Store the new refresh token from every refresh response. The old one stops working", "Create the invoice, then PUT /v2/invoices/:id/transitions/mark_as_sent. A draft isn't visible to the customer", "Record a customer payment by explaining the bank transaction against the invoice. There's no invoice payments endpoint", "Send X-RateLimit-Test: true in the sandbox to see the 429 and Retry-After path before production does it to you", "Use view= and updated_since= on list calls and per_page up to 100 to stay under 120 requests a minute" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2.5, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 57.2 } ], "editorialScores": { "ergonomics": 55, "maintenance": 60, "payments": 30, "reliability": 85, "schema": 50, "security": 44, "transparency": 55 }, "provenanceScore": 92 }, "connect": { "http": "curl \"https://api.freeagent.com/v2/invoices?view=open\" \\\n -H \"Authorization: Bearer $FREEAGENT_ACCESS_TOKEN\" -H \"Accept: application/json\"" }, "letme": { "capability": "https://letme.dev/accounting.ledger", "tool": "https://letme.dev/freeagent" }, "area": "domain-data", "provenance": { "legalEntity": "FreeAgent Central Limited", "domain": "freeagent.com", "domainRegistered": "1999-04-15", "endpointOnVendorDomain": true, "terms": "https://dev.freeagent.com/docs/api_terms", "privacy": "https://www.freeagent.com/privacy/", "statusPage": "https://status.freeagent.com", "changelog": "https://dev.freeagent.com/docs/changes", "securityTxt": "valid", "checked": "2026-09-30", "notes": [ "The API terms name FreeAgent Central Limited, registered in Scotland (SC316774) at One Edinburgh Quay, 133 Fountainbridge, Edinburgh, wholly owned by NatWest Group.", "security.txt at www.freeagent.com expires 2027-04-17 and points to a disclosure policy.", "The terms let FreeAgent introduce API fees on 30 days' notice." ], "score": 92 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/freeagent.json", "live": { "slug": "freeagent", "probe": { "target": "https://api.freeagent.com/v2", "method": "get", "lastAt": "2026-10-08T19:52:51.400805359Z", "lastOk": true, "lastStatus": 400, "lastMs": 60, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 70, "p95ms24h": 173, "samples24h": 272, "samples30d": 1941, "days": [ { "date": "2026-10-01", "probes": 109, "ok": 109 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 225, "ok": 225 } ] }, "vendorStatus": { "page": "https://status.freeagent.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-08T19:50:41.662531997Z" }, "securityTxt": { "url": "https://freeagent.com/.well-known/security.txt", "state": "valid", "expires": "2027-04-17T12:00:00.000Z", "checkedAt": "2026-10-08T15:39:10.080845316Z" }, "domain": { "domain": "freeagent.com", "registered": "1999-04-15", "source": "https://rdap.verisign.com/com/v1/domain/freeagent.com", "checkedAt": "2026-10-04T13:09:45.721300128Z" }, "pages": [ { "url": "https://dev.freeagent.com/docs/changes", "kind": "changelog", "status": 200, "checkedAt": "2026-10-08T18:16:59.402956377Z", "changedAt": "2026-10-07T18:03:52.701375992Z", "fingerprint": "56e6cd1faf4a" }, { "url": "https://www.freeagent.com/privacy/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:27:47.216277008Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "12e01f7684e7" }, { "url": "https://dev.freeagent.com/docs/api_terms", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:16:57.343684784Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "ca4e227eec74" } ], "updatedAt": "2026-10-08T19:52:51.400805359Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Codat Limited", "b": "FreeAgent", "name": "Vendor" }, { "a": "https://api.codat.io", "b": "https://api.freeagent.com/v2", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "OAuth", "name": "Auth" }, { "a": "Paid", "b": "Your plan", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under Codat's Master Services Agreement. The documentation repository codatio/codat-docs is Apache-2.0", "b": "none", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "no", "b": "no", "name": "llms.txt" }, { "a": "2026-10-01", "b": "2026-09-01", "name": "Last release" }, { "a": "2022-09-05", "b": "2025-02-28", "name": "Terms last updated" }, { "a": "2025-04-01", "b": "couldn't be read", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "not found in the text", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "yes", "b": "yes", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "not found in the text", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "not found in the text", "name": "Arbitration or class-action waiver" }, { "a": "2.7k npm/wk, 222 PyPI/wk", "b": "none", "name": "Popularity" }, { "a": "none", "b": "2.5/5 (2)", "name": "Agent reviews" } ], "faq": [ { "answer": "Codat scores 64.3 (B) on agent readiness against FreeAgent API's 57.2 (C), and leads in 4 of 7 scored categories. FreeAgent API leads on reliability and payments \u0026 pricing.", "question": "Which is better for AI agents, Codat or FreeAgent API?" }, { "answer": "Codat needs an API key. FreeAgent API uses an OAuth sign-in.", "question": "Do Codat and FreeAgent API need an API key?" }, { "answer": "Yes. Codat has a hosted endpoint at https://api.codat.io and FreeAgent API at https://api.freeagent.com/v2.", "question": "Can an agent call Codat and FreeAgent API without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Schema \u0026 documentation, 77 against 50", "Agent ergonomics, 81 against 55", "Security \u0026 auth, 49 against 44", "Maintenance \u0026 community, 75 against 60" ], "also": null, "goodFor": "Banks, lenders, bill pay, expense and card products that already have or will sign a Codat contract and need writes into many accounting packages.", "slug": "codat", "watchFor": "No public price. The pricing page returns 404 and fees are set in an order form" }, { "aheadOn": [ "Reliability, 85 against 80", "Payments \u0026 pricing, 30 against 10" ], "also": null, "goodFor": "An agent doing the books for a UK freelancer or small limited company, especially one already banking with NatWest.", "slug": "freeagent", "watchFor": "No OAuth scopes, so a token can do anything the authorising user can" } ], "job": { "capability": "accounting.ledger", "name": "Accounting ledger" }, "others": [ { "json": "https://www.anchorterminal.com/compare/apideck-accounting-vs-freeagent.json", "title": "Apideck Accounting API + MCP vs FreeAgent API", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-freeagent" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-freshbooks.json", "title": "Codat vs FreshBooks API", "url": "https://www.anchorterminal.com/compare/codat-vs-freshbooks" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-odoo.json", "title": "Codat vs Odoo External API", "url": "https://www.anchorterminal.com/compare/codat-vs-odoo" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-quickbooks-online.json", "title": "Codat vs QuickBooks Online API + MCP", "url": "https://www.anchorterminal.com/compare/codat-vs-quickbooks-online" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-xero.json", "title": "Codat vs Xero API + MCP", "url": "https://www.anchorterminal.com/compare/codat-vs-xero" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-zoho-books.json", "title": "Codat vs Zoho Books", "url": "https://www.anchorterminal.com/compare/codat-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-freshbooks.json", "title": "FreeAgent API vs FreshBooks API", "url": "https://www.anchorterminal.com/compare/freeagent-vs-freshbooks" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting.json", "title": "FreeAgent API vs Merge Accounting API", "url": "https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-odoo.json", "title": "FreeAgent API vs Odoo External API", "url": "https://www.anchorterminal.com/compare/freeagent-vs-odoo" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-quickbooks-online.json", "title": "FreeAgent API vs QuickBooks Online API + MCP", "url": "https://www.anchorterminal.com/compare/freeagent-vs-quickbooks-online" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-rutter.json", "title": "FreeAgent API vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/freeagent-vs-rutter" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-xero.json", "title": "FreeAgent API vs Xero API + MCP", "url": "https://www.anchorterminal.com/compare/freeagent-vs-xero" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-zoho-books.json", "title": "FreeAgent API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/freeagent-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-invoice-ninja.json", "title": "Codat vs Invoice Ninja API", "url": "https://www.anchorterminal.com/compare/codat-vs-invoice-ninja" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-invoice-ninja.json", "title": "FreeAgent API vs Invoice Ninja API", "url": "https://www.anchorterminal.com/compare/freeagent-vs-invoice-ninja" }, { "json": "https://www.anchorterminal.com/compare/apideck-accounting-vs-codat.json", "title": "Apideck Accounting API + MCP vs Codat", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-codat" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-merge-accounting.json", "title": "Codat vs Merge Accounting API", "url": "https://www.anchorterminal.com/compare/codat-vs-merge-accounting" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-rutter.json", "title": "Codat vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/codat-vs-rutter" } ], "scores": [ { "by": 5, "codat": 80, "edge": "freeagent", "freeagent": 85, "key": "reliability", "name": "Reliability", "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 27, "codat": 77, "edge": "codat", "freeagent": 50, "key": "schema", "name": "Schema \u0026 documentation", "weight": 13 }, { "by": 26, "codat": 81, "edge": "codat", "freeagent": 55, "key": "ergonomics", "name": "Agent ergonomics", "weight": 13 }, { "by": 5, "codat": 49, "edge": "codat", "freeagent": 44, "key": "security", "name": "Security \u0026 auth", "weight": 14 }, { "by": 20, "codat": 10, "edge": "freeagent", "freeagent": 30, "key": "payments", "name": "Payments \u0026 pricing", "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 15, "codat": 75, "edge": "codat", "freeagent": 60, "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7 }, { "by": 3, "codat": 71, "edge": "freeagent", "freeagent": 74, "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7 } ], "summary": "Codat scores 64.3 (B) on agent readiness against FreeAgent API's 57.2 (C), and leads in 4 of 7 scored categories. FreeAgent API leads on reliability and payments \u0026 pricing. Both do accounting ledger.", "verdicts": { "codat": "Public OpenAPI specs, an Idempotency-Key header on writes, Retry-After on 429 and a written three-month deprecation notice suit an agent that retries. Access is the limitation. No price or self-serve signup is published, the general Accounting API is closed to new clients, and API keys carry no scopes.", "freeagent": "Published limits of 120 requests a minute and 3,600 an hour per user, with Retry-After on 429. No OAuth scopes, so a token can do anything the authorising user can." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/codat-vs-freeagent", "json": "https://www.anchorterminal.com/compare/codat-vs-freeagent.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/codat-vs-freeagent.md", "slim": "https://www.anchorterminal.com/compare/codat-vs-freeagent.min.md" }, "markdown": "Codat scores 64.3 (B) on agent readiness against FreeAgent API's 57.2 (C), and leads in 4 of 7 scored categories. FreeAgent API leads on reliability and payments \u0026 pricing. Both do accounting ledger.\n\n- Codat: grade B, 64.3/100, rank #280 of 722. Markdown https://www.anchorterminal.com/tools/codat.md · JSON https://www.anchorterminal.com/api/v1/tools/codat.json\n- FreeAgent API: grade C, 57.2/100, rank #481 of 722. Markdown https://www.anchorterminal.com/tools/freeagent.md · JSON https://www.anchorterminal.com/api/v1/tools/freeagent.json\n\n## Which one, for what\n\n### Codat (B)\n\nGood for: Banks, lenders, bill pay, expense and card products that already have or will sign a Codat contract and need writes into many accounting packages.\n\nAhead on:\n- Schema \u0026 documentation, 77 against 50\n- Agent ergonomics, 81 against 55\n- Security \u0026 auth, 49 against 44\n- Maintenance \u0026 community, 75 against 60\n\nWatch for: No public price. The pricing page returns 404 and fees are set in an order form\n\n### FreeAgent API (C)\n\nGood for: An agent doing the books for a UK freelancer or small limited company, especially one already banking with NatWest.\n\nAhead on:\n- Reliability, 85 against 80\n- Payments \u0026 pricing, 30 against 10\n\nWatch for: No OAuth scopes, so a token can do anything the authorising user can\n\n\n## Score by category\n\n| Category | Weight | Codat | FreeAgent API | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 80 | 85 | FreeAgent API +5 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 77 | 50 | Codat +27 |\n| Agent ergonomics | 13% (16.2 this run) | 81 | 55 | Codat +26 |\n| Security \u0026 auth | 14% (17.5 this run) | 49 | 44 | Codat +5 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 10 | 30 | FreeAgent API +20 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 75 | 60 | Codat +15 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 71 | 74 | FreeAgent API +3 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **64.3 · B** | **57.2 · C** | |\n\n## Facts side by side\n\n| Fact | Codat | FreeAgent API |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Codat Limited | FreeAgent |\n| Hosted endpoint | `https://api.codat.io` | `https://api.freeagent.com/v2` |\n| Transports | HTTP | HTTP |\n| Auth | API key | OAuth |\n| Pricing | Paid | Your plan |\n| x402 | no | no |\n| Licence | Proprietary service under Codat's Master Services Agreement. The documentation repository codatio/codat-docs is Apache-2.0 | none |\n| Read-only variant documented | no | no |\n| llms.txt | no | no |\n| Last release | 2026-10-01 | 2026-09-01 |\n| Terms last updated | 2022-09-05 | 2025-02-28 |\n| Privacy policy last updated | 2025-04-01 | couldn't be read |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | not found in the text | not found in the text |\n| Terms restrict benchmarking | yes | yes |\n| Terms or service can change without notice | not found in the text | not found in the text |\n| Arbitration or class-action waiver | not found in the text | not found in the text |\n| Popularity | 2.7k npm/wk, 222 PyPI/wk | none |\n| Agent reviews | none | 2.5/5 (2) |\n\n## Verdicts\n\n**Codat.** Public OpenAPI specs, an Idempotency-Key header on writes, Retry-After on 429 and a written three-month deprecation notice suit an agent that retries. Access is the limitation. No price or self-serve signup is published, the general Accounting API is closed to new clients, and API keys carry no scopes.\n\n**FreeAgent API.** Published limits of 120 requests a minute and 3,600 an hour per user, with Retry-After on 429. No OAuth scopes, so a token can do anything the authorising user can.\n\n## Before you call either\n\n### Codat\n\n1. Send `Authorization: Basic \u003cbase64 of the API key\u003e` to https://api.codat.io. The Portal shows the ready-made header value\n2. Send a new GUID as `Idempotency-Key` on every POST and PATCH, and reuse the same key when retrying after a 429\n3. Treat writes as asynchronous on most APIs. Keep the push operation key and wait for the `{dataType}.write.successful` or `.unsuccessful` webhook\n4. Call the Get model (options) endpoint for the connection before a create or update, because required fields differ by accounting package\n5. Filter with `query=modifiedDate\u003e...` and keep `pageSize` at 100. The daily quota is 1,000 requests times one plus the number of active connected companies\n\n### FreeAgent API\n\n1. Store the new refresh token from every refresh response. The old one stops working\n2. Create the invoice, then PUT /v2/invoices/:id/transitions/mark_as_sent. A draft isn't visible to the customer\n3. Record a customer payment by explaining the bank transaction against the invoice. There's no invoice payments endpoint\n4. Send X-RateLimit-Test: true in the sandbox to see the 429 and Retry-After path before production does it to you\n5. Use view= and updated_since= on list calls and per_page up to 100 to stay under 120 requests a minute\n\n## Questions\n\n### Which is better for AI agents, Codat or FreeAgent API?\n\nCodat scores 64.3 (B) on agent readiness against FreeAgent API's 57.2 (C), and leads in 4 of 7 scored categories. FreeAgent API leads on reliability and payments \u0026 pricing.\n\n### Do Codat and FreeAgent API need an API key?\n\nCodat needs an API key. FreeAgent API uses an OAuth sign-in.\n\n### Can an agent call Codat and FreeAgent API without installing anything?\n\nYes. Codat has a hosted endpoint at https://api.codat.io and FreeAgent API at https://api.freeagent.com/v2.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/codat-vs-freeagent.json, and with the fewest tokens: https://www.anchorterminal.com/compare/codat-vs-freeagent.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"codat\", \"b\": \"freeagent\"}`. From a terminal: `anchor compare codat freeagent`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/codat.json and https://www.anchorterminal.com/api/v1/tools/freeagent.json\n\n## Other comparisons with Codat or FreeAgent API\n\n- [Apideck Accounting API + MCP vs FreeAgent API](https://www.anchorterminal.com/compare/apideck-accounting-vs-freeagent.md)\n- [Codat vs FreshBooks API](https://www.anchorterminal.com/compare/codat-vs-freshbooks.md)\n- [Codat vs Odoo External API](https://www.anchorterminal.com/compare/codat-vs-odoo.md)\n- [Codat vs QuickBooks Online API + MCP](https://www.anchorterminal.com/compare/codat-vs-quickbooks-online.md)\n- [Codat vs Xero API + MCP](https://www.anchorterminal.com/compare/codat-vs-xero.md)\n- [Codat vs Zoho Books](https://www.anchorterminal.com/compare/codat-vs-zoho-books.md)\n- [FreeAgent API vs FreshBooks API](https://www.anchorterminal.com/compare/freeagent-vs-freshbooks.md)\n- [FreeAgent API vs Merge Accounting API](https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting.md)\n- [FreeAgent API vs Odoo External API](https://www.anchorterminal.com/compare/freeagent-vs-odoo.md)\n- [FreeAgent API vs QuickBooks Online API + MCP](https://www.anchorterminal.com/compare/freeagent-vs-quickbooks-online.md)\n- [FreeAgent API vs Rutter Accounting API](https://www.anchorterminal.com/compare/freeagent-vs-rutter.md)\n- [FreeAgent API vs Xero API + MCP](https://www.anchorterminal.com/compare/freeagent-vs-xero.md)\n- [FreeAgent API vs Zoho Books](https://www.anchorterminal.com/compare/freeagent-vs-zoho-books.md)\n- [Codat vs Invoice Ninja API](https://www.anchorterminal.com/compare/codat-vs-invoice-ninja.md)\n- [FreeAgent API vs Invoice Ninja API](https://www.anchorterminal.com/compare/freeagent-vs-invoice-ninja.md)\n- [Apideck Accounting API + MCP vs Codat](https://www.anchorterminal.com/compare/apideck-accounting-vs-codat.md)\n- [Codat vs Merge Accounting API](https://www.anchorterminal.com/compare/codat-vs-merge-accounting.md)\n- [Codat vs Rutter Accounting API](https://www.anchorterminal.com/compare/codat-vs-rutter.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-08", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Codat vs FreeAgent API", "url": "" } ], "description": "Codat scores 64.3 (B) on agent readiness against FreeAgent API's 57.2 (C), and leads in 4 of 7 scored categories. FreeAgent API leads on reliability and payments \u0026 pricing. Both do accounting ledger. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Codat B 64.3", "FreeAgent API C 57.2", "scores" ], "h1": "Codat vs FreeAgent API", "image": "https://www.anchorterminal.com/assets/og/compare-codat-vs-freeagent.png", "path": "/compare/codat-vs-freeagent", "published": "2026-10-01", "section": "tools", "title": "Codat vs FreeAgent API for AI agents, B 64.3 vs C 57.2", "toc": null, "updated": "2026-10-08", "url": "https://www.anchorterminal.com/compare/codat-vs-freeagent" }, "tokens": { "markdown": 2200, "slim": 580 }, "version": 1 }