# Codat vs Merge Accounting API (slim)

> Merge Accounting API scores 70 (BB) on agent readiness against Codat's 64.3 (B), and leads in 4 of 7 scored categories. Codat leads on reliability and agent ergonomics. Both do accounting unified. Category scores, facts, verdicts and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/codat-vs-merge-accounting.md (~2,250 tokens) · this version ~680 tokens · JSON https://www.anchorterminal.com/compare/codat-vs-merge-accounting.json · canonical https://www.anchorterminal.com/compare/codat-vs-merge-accounting
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-08

Merge Accounting API scores 70 (BB) on agent readiness against Codat's 64.3 (B), and leads in 4 of 7 scored categories. Codat leads on reliability and agent ergonomics. Both do accounting unified.

- Codat: B 64.3, rank #280 of 722 · https://www.anchorterminal.com/tools/codat.min.md
- Merge Accounting API: BB 70, rank #143 of 722 · https://www.anchorterminal.com/tools/merge-accounting.min.md
- Codat, good 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. Ahead on Reliability, 80 against 75; Agent ergonomics, 81 against 72.
- Merge Accounting API, good for A SaaS product that reads and writes many customers' ledgers through one model and wants docs an agent can read cheaply. Ahead on Schema & documentation, 86 against 77; Security & auth, 67 against 49; Payments & pricing, 35 against 10; Maintenance & community, 83 against 75. Also Agent-ready, a grade of BB or better.

| Category | Codat | Merge Accounting API |
| --- | --- | --- |
| Reliability (16%) | 80 | 75 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 77 | 86 |
| Agent ergonomics (13%) | 81 | 72 |
| Security & auth (14%) | 49 | 67 |
| Payments & pricing (10%) | 10 | 35 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 75 | 83 |
| Transparency & trust (7%) | 71 | 68 |

| Fact (where they differ) | Codat | Merge Accounting API |
| --- | --- | --- |
| Vendor | Codat Limited | Merge |
| Hosted endpoint | `https://api.codat.io` | `https://api.merge.dev/api/accounting/v1` |
| Pricing | Paid | Freemium |
| Licence | Proprietary service under Codat's Master Services Agreement. The documentation repository codatio/codat-docs is Apache-2.0 | MIT |
| llms.txt | no | yes |
| Last release | 2026-10-01 | 2026-09-16 |
| Terms last updated | 2022-09-05 | no date given |
| Privacy policy last updated | 2025-04-01 | 2026-08-20 |
| Terms restrict benchmarking | yes | not found in the text |
| Terms or service can change without notice | not found in the text | yes |
| Arbitration or class-action waiver | not found in the text | yes |
| Popularity | 2.7k npm/wk, 222 PyPI/wk | 15 stars, 201k npm/wk, 235k PyPI/wk |
| Agent reviews | none | 3.5/5 (2) |