{ "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": 357, "ranked": true, "rankOf": 950, "categoryRank": 5, "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": "2026-10-10T01:37:48.203870051Z", "lastOk": true, "lastStatus": 404, "lastMs": 60, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 62, "p95ms24h": 110, "samples24h": 250, "samples30d": 337, "days": [ { "date": "2026-10-08", "probes": 70, "ok": 70 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 17, "ok": 17 } ] }, "vendorStatus": { "page": "https://status.codat.io", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-10T01:33:31.132098636Z" }, "versions": [ { "registry": "npm", "name": "@codat/platform", "version": "6.2.1", "seenAt": "2026-10-09T16:46:23.775604982Z" }, { "registry": "pypi", "name": "codat-platform", "version": "5.0.1", "released": "2026-04-23", "seenAt": "2026-10-09T16:46:24.65562375Z" } ], "githubStars": 7, "npmWeekly": 2230, "pypiWeekly": 189, "securityTxt": { "url": "https://codat.io/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-09T15:40:23.568057918Z" }, "pages": [ { "url": "https://docs.codat.io/updates", "kind": "changelog", "status": 304, "checkedAt": "2026-10-09T18:36:53.088532666Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "07529b659c92" }, { "url": "https://codat.io/privacy-policy/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:34:04.461754158Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e89a28b3e19e" }, { "url": "https://codat.io/msa-standard/", "kind": "terms", "status": 304, "checkedAt": "2026-10-09T18:34:02.384946142Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "a5936b16dc49" } ], "updatedAt": "2026-10-10T01:37:48.203870051Z" } }, "answer": "Pennylane scores 66.3 (B) on agent readiness against Codat's 64.3 (B), and leads in 4 of 7 scored categories. Codat leads on reliability, agent ergonomics and maintenance \u0026 community.", "b": { "slug": "pennylane", "name": "Pennylane", "vendor": "Pennylane SAS", "vendorUrl": "https://www.pennylane.com", "kind": "http-api", "category": "accounting", "summary": "Pennylane is a French accounting and invoicing platform for companies and accounting firms. Its Company and Firm REST APIs cover invoices, supplier invoices, ledger entries, transactions and exports. A hosted read-only MCP server exposes the same books to AI assistants.", "url": "https://www.anchorterminal.com/tools/pennylane", "markdownUrl": "https://www.anchorterminal.com/tools/pennylane.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/pennylane.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/pennylane.json", "license": "Proprietary service under Pennylane's API agreement and customer terms", "transports": [ "http" ], "remoteUrl": "https://app.pennylane.com/api/external/v2", "packages": [], "auth": "mixed", "authNotes": "Bearer token on every call. Companies generate a Company API token under Settings, Connectivity, Developers, which needs the Essentiel plan or above and an admin role. Each token is tied to one company, is read only or read and write, expires after 1, 6 or 12 months or never, and can be deleted. Firms generate Firm API tokens. Integration partners use the OAuth 2.0 authorisation code grant after the Partnerships team issues a client ID and secret, with 24-hour access tokens and rotating 90-day refresh tokens. The MCP server uses OAuth 2.1 with PKCE and dynamic client registration, and the user signs in through a browser.", "pricing": "paid", "pricingNotes": "API and MCP access for companies needs the Essentiel plan or above, listed at 24 euros a month before VAT for one user on the pricing tab for sole traders and single-shareholder companies. Premium is 79 euros. Each plan has a 15-day trial with no commitment, and a sandbox can be created inside an account. Whether the trial needs a card and the prices for other company types were not established. Accounting firms get the MCP at no extra cost (https://www.pennylane.com/fr/tarifs, checked 2026-10-09).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the API docs, the MCP docs or the pricing page (checked 2026-10-09).", "endpoints": [] }, "toolCount": 31, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://pennylane.readme.io/docs/api-overview", "llmsTxt": "https://pennylane.readme.io/llms.txt", "capabilities": [ "accounting.ledger", "accounting.invoices", "accounting.bills", "accounting.reports" ], "tags": [ "hosted", "closed-source", "oauth", "openapi", "mcp", "llms-txt", "webhooks", "status-page" ], "lastRelease": "2026-09-30", "graded": true, "anchor": { "graded": true, "score": 66.3, "grade": "B", "agentReady": false, "rank": 297, "ranked": true, "rankOf": 950, "categoryRank": 4, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 66, "maintenance": 65, "payments": 20, "reliability": 75, "schema": 85, "security": 68, "transparency": 76 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": 0, "verdict": "The v2 API has per-resource read and write scopes, an OpenAPI definition on every reference page, llms.txt and a breaking-change process that ran over 24 weeks. Access needs a paid Essentiel plan or partner approval, creation endpoints are not idempotent, and the API agreement lets Pennylane change or revoke the API without notice.", "bestFor": "An agent working on the books of French companies or an accounting firm's client portfolio, with French chart of accounts, FEC export, Factur-X e-invoicing and VAT returns.", "strengths": [ "Scopes split each resource into `:readonly` and `:all`, for company tokens, firm tokens and OAuth apps", "Hosted MCP server at `https://mcp.pennylane.com/mcp` with 31 read-only tools, OAuth 2.1 with PKCE and dynamic client registration", "OpenAPI 3.0.1 definitions on each reference page, an llms.txt index and Markdown twins of every docs page", "The 2026 breaking changes ran in three phases over 24 weeks with an opt-in header, ending 1 July 2026", "ISO 27001 certificate published, EU hosting on AWS in Ireland, and a dated sub-processor list with 30 days' notice of additions" ], "weaknesses": [ "The API agreement allows changes, suspension or revocation with or without notice and supplies the API as is", "Creation endpoints do not enforce idempotency, except supplier invoice imports", "API and MCP access for companies starts at the Essentiel plan, and OAuth apps need approval from the Partnerships team", "No official SDK was found, and the MCP server is not in the official MCP registry", "No security.txt, bug bounty or published disclosure policy was found", "The API agreement grants Pennylane an exclusive licence over API integrations and their source code on request" ], "agentNotes": [ "Call `GET https://app.pennylane.com/api/external/v2/me` first to confirm the token, user and company context", "Stay under 25 requests per 5 seconds per token and wait for the `retry-after` value on a 429", "Do not retry a create after a timeout without checking first. Only supplier invoice imports are deduplicated", "Send `filter` and `sort` again with every `cursor`. The cursor stores position only", "Send amounts as strings such as \"120.00\", and ask for `:readonly` scopes when the task only reads", "Use the MCP server for reads only. It cannot create, edit or delete, and firm connections need `company_id`" ], "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": 66.3 } ], "editorialScores": { "ergonomics": 66, "maintenance": 65, "payments": 20, "reliability": 75, "schema": 85, "security": 68, "transparency": 71 }, "provenanceScore": 80 }, "connect": { "http": "curl https://app.pennylane.com/api/external/v2/me \\\n -H \"Authorization: Bearer $PENNYLANE_API_TOKEN\"", "claudeCode": "claude mcp add --transport http pennylane https://mcp.pennylane.com/mcp", "config": { "mcpServers": { "pennylane": { "url": "https://mcp.pennylane.com/mcp" } } } }, "letme": { "capability": "https://letme.dev/accounting.ledger", "tool": "https://letme.dev/pennylane" }, "area": "domain-data", "provenance": { "legalEntity": "Pennylane SAS", "domain": "pennylane.com", "domainRegistered": "1998-09-23", "endpointOnVendorDomain": true, "terms": "https://pennylane.readme.io/page/api-contract-terms", "privacy": "https://www.pennylane.com/fr/legal/privacy", "statusPage": "https://status.pennylane.com", "changelog": "https://pennylane.readme.io/changelog", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The legal notice (updated 8 September 2026) names Pennylane, a société par actions simplifiée, SIREN 880 265 921 RCS Paris, 2-4 rue Jules Lefebvre, 75009 Paris. Pennylane GmbH sells the product in Germany.", "The API agreement (API Contract terms, last updated January 2024) governs API use and is cited by clause 26.9 of the customer terms. It gives a registered office in Cherbourg-en-Cotentin, which differs from the Paris address in the customer terms and legal notice.", "The customer terms for companies (version of 16 December 2025) are a PDF linked from https://www.pennylane.com/fr/conditions-generales, with the data processing agreement and the SLA as annexes.", "The privacy policy (updated 30 January 2026) covers processing where Pennylane is controller. Processing as processor is governed by the data processing agreement annexed to the customer terms.", "www.pennylane.com/.well-known/security.txt returns 404.", "The API answers on app.pennylane.com and the MCP server on mcp.pennylane.com. The API docs are hosted on pennylane.readme.io.", "RDAP for pennylane.com gives a registration date of 1998-09-23." ], "score": 80 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/pennylane.json", "live": { "slug": "pennylane", "probe": { "target": "https://app.pennylane.com/api/external/v2", "method": "get", "lastAt": "2026-10-10T01:38:02.186136228Z", "lastOk": true, "lastStatus": 200, "lastMs": 83, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 112, "p95ms24h": 670, "samples24h": 102, "samples30d": 102, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 85 }, { "date": "2026-10-10", "probes": 17, "ok": 17 } ] }, "vendorStatus": { "page": "https://status.pennylane.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-10T01:34:04.06131758Z" }, "pages": [ { "url": "https://pennylane.readme.io/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:43:10.597188172Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "baba0cf1ecaa" }, { "url": "https://www.pennylane.com/fr/legal/privacy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:52:57.370338236Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "2e89b0e31f0b" }, { "url": "https://pennylane.readme.io/page/api-contract-terms", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:43:13.114667877Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "7815b7f4ccf6" } ], "updatedAt": "2026-10-10T01:38:02.186136228Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Codat Limited", "b": "Pennylane SAS", "name": "Vendor" }, { "a": "https://api.codat.io", "b": "https://app.pennylane.com/api/external/v2", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "OAuth or key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "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": "Proprietary service under Pennylane's API agreement and customer terms", "name": "Licence" }, { "a": "none", "b": "31", "name": "Tools exposed" }, { "a": "no", "b": "yes", "name": "Read-only variant documented" }, { "a": "no", "b": "yes", "name": "llms.txt" }, { "a": "2026-10-01", "b": "2026-09-30", "name": "Last release" }, { "a": "2022-09-05", "b": "no date given", "name": "Terms last updated" }, { "a": "2025-04-01", "b": "no date given", "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": "yes", "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" } ], "faq": [ { "answer": "Pennylane scores 66.3 (B) on agent readiness against Codat's 64.3 (B), and leads in 4 of 7 scored categories. Codat leads on reliability, agent ergonomics and maintenance \u0026 community.", "question": "Which is better for AI agents, Codat or Pennylane?" }, { "answer": "Codat needs an API key. Pennylane takes an API key or an OAuth sign-in.", "question": "Do Codat and Pennylane need an API key?" }, { "answer": "Yes. Codat has a hosted endpoint at https://api.codat.io and Pennylane at https://app.pennylane.com/api/external/v2.", "question": "Can an agent call Codat and Pennylane without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 80 against 75", "Agent ergonomics, 81 against 66", "Maintenance \u0026 community, 75 against 65" ], "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": [ "Schema \u0026 documentation, 85 against 77", "Security \u0026 auth, 68 against 49", "Payments \u0026 pricing, 20 against 10", "Transparency \u0026 trust, 76 against 71" ], "also": null, "goodFor": "An agent working on the books of French companies or an accounting firm's client portfolio, with French chart of accounts, FEC export, Factur-X e-invoicing and VAT returns.", "slug": "pennylane", "watchFor": "The API agreement allows changes, suspension or revocation with or without notice and supplies the API as is" } ], "job": { "capability": "accounting.ledger", "name": "Accounting ledgers" }, "others": [ { "json": "https://www.anchorterminal.com/compare/apideck-accounting-vs-pennylane.json", "title": "Apideck Accounting API + MCP vs Pennylane", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-freeagent.json", "title": "Codat vs FreeAgent API", "url": "https://www.anchorterminal.com/compare/codat-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-pennylane.json", "title": "FreeAgent API vs Pennylane", "url": "https://www.anchorterminal.com/compare/freeagent-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/freshbooks-vs-pennylane.json", "title": "FreshBooks API vs Pennylane", "url": "https://www.anchorterminal.com/compare/freshbooks-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/merge-accounting-vs-pennylane.json", "title": "Merge Accounting API vs Pennylane", "url": "https://www.anchorterminal.com/compare/merge-accounting-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/odoo-vs-pennylane.json", "title": "Odoo External API vs Pennylane", "url": "https://www.anchorterminal.com/compare/odoo-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-quickbooks-online.json", "title": "Pennylane vs QuickBooks Online API + MCP", "url": "https://www.anchorterminal.com/compare/pennylane-vs-quickbooks-online" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-rutter.json", "title": "Pennylane vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/pennylane-vs-rutter" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-xero.json", "title": "Pennylane vs Xero API + MCP", "url": "https://www.anchorterminal.com/compare/pennylane-vs-xero" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-zoho-books.json", "title": "Pennylane vs Zoho Books", "url": "https://www.anchorterminal.com/compare/pennylane-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/invoice-ninja-vs-pennylane.json", "title": "Invoice Ninja API vs Pennylane", "url": "https://www.anchorterminal.com/compare/invoice-ninja-vs-pennylane" }, { "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": "codat", "key": "reliability", "name": "Reliability", "pennylane": 75, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 8, "codat": 77, "edge": "pennylane", "key": "schema", "name": "Schema \u0026 documentation", "pennylane": 85, "weight": 13 }, { "by": 15, "codat": 81, "edge": "codat", "key": "ergonomics", "name": "Agent ergonomics", "pennylane": 66, "weight": 13 }, { "by": 19, "codat": 49, "edge": "pennylane", "key": "security", "name": "Security \u0026 auth", "pennylane": 68, "weight": 14 }, { "by": 10, "codat": 10, "edge": "pennylane", "key": "payments", "name": "Payments \u0026 pricing", "pennylane": 20, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 10, "codat": 75, "edge": "codat", "key": "maintenance", "name": "Maintenance \u0026 community", "pennylane": 65, "weight": 7 }, { "by": 5, "codat": 71, "edge": "pennylane", "key": "transparency", "name": "Transparency \u0026 trust", "pennylane": 76, "weight": 7 } ], "summary": "Pennylane scores 66.3 (B) on agent readiness against Codat's 64.3 (B), and leads in 4 of 7 scored categories. Codat leads on reliability, agent ergonomics and maintenance \u0026 community. Both do accounting ledgers.", "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.", "pennylane": "The v2 API has per-resource read and write scopes, an OpenAPI definition on every reference page, llms.txt and a breaking-change process that ran over 24 weeks. Access needs a paid Essentiel plan or partner approval, creation endpoints are not idempotent, and the API agreement lets Pennylane change or revoke the API without notice." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/codat-vs-pennylane", "json": "https://www.anchorterminal.com/compare/codat-vs-pennylane.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/codat-vs-pennylane.md", "slim": "https://www.anchorterminal.com/compare/codat-vs-pennylane.min.md" }, "markdown": "Pennylane scores 66.3 (B) on agent readiness against Codat's 64.3 (B), and leads in 4 of 7 scored categories. Codat leads on reliability, agent ergonomics and maintenance \u0026 community. Both do accounting ledgers.\n\n- Codat: grade B, 64.3/100, rank #357 of 950. Markdown https://www.anchorterminal.com/tools/codat.md · JSON https://www.anchorterminal.com/api/v1/tools/codat.json\n- Pennylane: grade B, 66.3/100, rank #297 of 950. Markdown https://www.anchorterminal.com/tools/pennylane.md · JSON https://www.anchorterminal.com/api/v1/tools/pennylane.json\n- Best accounting and invoicing APIs for AI agents: https://www.anchorterminal.com/best/accounting/index.md\n- All 66 accounting comparisons: https://www.anchorterminal.com/compare/accounting/index.md\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- Reliability, 80 against 75\n- Agent ergonomics, 81 against 66\n- Maintenance \u0026 community, 75 against 65\n\nWatch for: No public price. The pricing page returns 404 and fees are set in an order form\n\n### Pennylane (B)\n\nGood for: An agent working on the books of French companies or an accounting firm's client portfolio, with French chart of accounts, FEC export, Factur-X e-invoicing and VAT returns.\n\nAhead on:\n- Schema \u0026 documentation, 85 against 77\n- Security \u0026 auth, 68 against 49\n- Payments \u0026 pricing, 20 against 10\n- Transparency \u0026 trust, 76 against 71\n\nWatch for: The API agreement allows changes, suspension or revocation with or without notice and supplies the API as is\n\n\n## Score by category\n\n| Category | Weight | Codat | Pennylane | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 80 | 75 | Codat +5 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 77 | 85 | Pennylane +8 |\n| Agent ergonomics | 13% (16.2 this run) | 81 | 66 | Codat +15 |\n| Security \u0026 auth | 14% (17.5 this run) | 49 | 68 | Pennylane +19 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 10 | 20 | Pennylane +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 75 | 65 | Codat +10 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 71 | 76 | Pennylane +5 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **64.3 · B** | **66.3 · B** | |\n\n## Facts side by side\n\n| Fact | Codat | Pennylane |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Codat Limited | Pennylane SAS |\n| Hosted endpoint | `https://api.codat.io` | `https://app.pennylane.com/api/external/v2` |\n| Transports | HTTP | HTTP |\n| Auth | API key | OAuth or key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under Codat's Master Services Agreement. The documentation repository codatio/codat-docs is Apache-2.0 | Proprietary service under Pennylane's API agreement and customer terms |\n| Tools exposed | none | 31 |\n| Read-only variant documented | no | yes |\n| llms.txt | no | yes |\n| Last release | 2026-10-01 | 2026-09-30 |\n| Terms last updated | 2022-09-05 | no date given |\n| Privacy policy last updated | 2025-04-01 | no date given |\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 | yes |\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\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**Pennylane.** The v2 API has per-resource read and write scopes, an OpenAPI definition on every reference page, llms.txt and a breaking-change process that ran over 24 weeks. Access needs a paid Essentiel plan or partner approval, creation endpoints are not idempotent, and the API agreement lets Pennylane change or revoke the API without notice.\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### Pennylane\n\n1. Call `GET https://app.pennylane.com/api/external/v2/me` first to confirm the token, user and company context\n2. Stay under 25 requests per 5 seconds per token and wait for the `retry-after` value on a 429\n3. Do not retry a create after a timeout without checking first. Only supplier invoice imports are deduplicated\n4. Send `filter` and `sort` again with every `cursor`. The cursor stores position only\n5. Send amounts as strings such as \"120.00\", and ask for `:readonly` scopes when the task only reads\n6. Use the MCP server for reads only. It cannot create, edit or delete, and firm connections need `company_id`\n\n## Questions\n\n### Which is better for AI agents, Codat or Pennylane?\n\nPennylane scores 66.3 (B) on agent readiness against Codat's 64.3 (B), and leads in 4 of 7 scored categories. Codat leads on reliability, agent ergonomics and maintenance \u0026 community.\n\n### Do Codat and Pennylane need an API key?\n\nCodat needs an API key. Pennylane takes an API key or an OAuth sign-in.\n\n### Can an agent call Codat and Pennylane without installing anything?\n\nYes. Codat has a hosted endpoint at https://api.codat.io and Pennylane at https://app.pennylane.com/api/external/v2.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/codat-vs-pennylane.json, and with the fewest tokens: https://www.anchorterminal.com/compare/codat-vs-pennylane.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"codat\", \"b\": \"pennylane\"}`. From a terminal: `anchor compare codat pennylane`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/codat.json and https://www.anchorterminal.com/api/v1/tools/pennylane.json\n\n## Other comparisons with Codat or Pennylane\n\n- [Apideck Accounting API + MCP vs Pennylane](https://www.anchorterminal.com/compare/apideck-accounting-vs-pennylane.md)\n- [Codat vs FreeAgent API](https://www.anchorterminal.com/compare/codat-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 Pennylane](https://www.anchorterminal.com/compare/freeagent-vs-pennylane.md)\n- [FreshBooks API vs Pennylane](https://www.anchorterminal.com/compare/freshbooks-vs-pennylane.md)\n- [Merge Accounting API vs Pennylane](https://www.anchorterminal.com/compare/merge-accounting-vs-pennylane.md)\n- [Odoo External API vs Pennylane](https://www.anchorterminal.com/compare/odoo-vs-pennylane.md)\n- [Pennylane vs QuickBooks Online API + MCP](https://www.anchorterminal.com/compare/pennylane-vs-quickbooks-online.md)\n- [Pennylane vs Rutter Accounting API](https://www.anchorterminal.com/compare/pennylane-vs-rutter.md)\n- [Pennylane vs Xero API + MCP](https://www.anchorterminal.com/compare/pennylane-vs-xero.md)\n- [Pennylane vs Zoho Books](https://www.anchorterminal.com/compare/pennylane-vs-zoho-books.md)\n- [Codat vs Invoice Ninja API](https://www.anchorterminal.com/compare/codat-vs-invoice-ninja.md)\n- [Invoice Ninja API vs Pennylane](https://www.anchorterminal.com/compare/invoice-ninja-vs-pennylane.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": "2026-10-10", "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 Pennylane", "url": "" } ], "description": "Pennylane scores 66.3 (B) to Codat's 64.3 (B) for accounting ledgers. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Codat B 64.3", "Pennylane B 66.3", "scores" ], "h1": "Codat vs Pennylane", "image": "https://www.anchorterminal.com/assets/og/compare-codat-vs-pennylane.png", "path": "/compare/codat-vs-pennylane", "published": "2026-10-01", "section": "tools", "title": "Codat vs Pennylane for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/codat-vs-pennylane" }, "tokens": { "markdown": 2400, "slim": 680 }, "version": 1 }