{
  "data": {
    "a": {
      "slug": "finch",
      "name": "Finch",
      "vendor": "Profound Platform Inc. (dba Finch)",
      "vendorUrl": "https://www.tryfinch.com",
      "kind": "http-api",
      "category": "payroll",
      "summary": "Finch 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.",
      "url": "https://www.anchorterminal.com/tools/finch",
      "markdownUrl": "https://www.anchorterminal.com/tools/finch.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/finch.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/finch.json",
      "repo": "https://github.com/Finch-API/finch-api-node",
      "license": "Proprietary service under Finch's Master Service Agreement. The SDKs and the MCP server on GitHub are Apache-2.0",
      "transports": [
        "http",
        "stdio"
      ],
      "remoteUrl": "https://api.tryfinch.com",
      "packages": [
        {
          "registry": "npm",
          "name": "@tryfinch/finch-api"
        },
        {
          "registry": "npm",
          "name": "@tryfinch/finch-api-mcp"
        },
        {
          "registry": "pypi",
          "name": "finch-api"
        }
      ],
      "auth": "oauth",
      "authNotes": "A person signs up for the Developer Dashboard and receives a `client_id` and `client_secret` for a free sandbox application. Access to an employer's data then needs that employer's administrator to sign in through Finch Connect and approve the requested products. The authorisation code is exchanged at POST /auth/token for a bearer access token tied to that one connection and those products. The token does not expire and is revoked with POST /disconnect. Connect sessions are created with HTTP Basic auth using the client ID and secret. The SSN permission needs Finch's approval, and Gusto and TriNet need a one-time security review before going live. The MCP server reads the access token from `FINCH_ACCESS_TOKEN`.",
      "pricing": "paid",
      "pricingNotes": "Starter is $65 a month per connection, month to month, for 24 providers, up to 15 connections and read-only organisation and payroll data. Pro and Premier are sold through sales, with volume discounts from 25 connections a month, all 250+ providers, deduction writes and assisted integrations. A sandbox with mock data is free with a Dashboard signup, so an agent's owner can start without a contract, and Provider Sandboxes allow five connections to provider demo accounts. All production connections are billable (checked 2026-10-08).",
      "priceSummary": "Paid",
      "where": "both",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 in the documentation index, the OpenAPI specification or the pricing page (checked 2026-10-08).",
        "endpoints": []
      },
      "toolCount": 2,
      "popularity": {
        "githubStars": null,
        "npmWeekly": 16128,
        "pypiWeekly": 25524,
        "asOf": "2026-10-08"
      },
      "docsUrl": "https://developer.tryfinch.com",
      "llmsTxt": "https://developer.tryfinch.com/llms.txt",
      "openapi": "https://developer.tryfinch.com/openapi.json",
      "capabilities": [
        "payroll.employees",
        "payroll.contractors",
        "hr.employees",
        "hr.org",
        "hr.documents"
      ],
      "tags": [
        "hosted",
        "unified-api",
        "payroll-data",
        "hris",
        "oauth",
        "openapi",
        "llms-txt",
        "mcp",
        "sandbox",
        "webhooks",
        "python",
        "typescript",
        "java",
        "go",
        "ruby",
        "status-page",
        "sla",
        "soc2"
      ],
      "lastRelease": "2026-10-05",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 71.6,
        "grade": "BB",
        "agentReady": true,
        "rank": 104,
        "ranked": true,
        "rankOf": 722,
        "categoryRank": 1,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 71,
          "maintenance": 84,
          "payments": 30,
          "reliability": 84,
          "schema": 87,
          "security": 66,
          "transparency": 74
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-08"
        },
        "negative": 0,
        "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.",
        "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.",
        "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",
          "A 99.90 per cent monthly uptime SLA with service credits is published for plans whose order form includes it",
          "Official SDKs for Node, Python, Java, Kotlin, Go and Ruby, with Node 10.8.2 and Python 2.8.3 released in the last 50 days",
          "A public DPA dated 7 August 2026, and a trust centre naming six sub-processors with hosting in AWS us-west-2"
        ],
        "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",
          "Data is synced, not live. Automated integrations refresh every 24 hours and assisted integrations every 7 days",
          "Starter is $65 a month per connection for 24 providers and 15 connections. The other 250+ providers and deduction writes have no public price",
          "The MCP server is labelled beta, runs locally over stdio and is not in the official MCP registry"
        ],
        "agentNotes": [
          "Send `Finch-API-Version: 2020-09-17` and `Authorization: Bearer \u003caccess_token\u003e` on every request. A request without the version header fails with 400",
          "Call GET /introspect first to see the connection's products, status and whether it is automated or assisted before choosing endpoints",
          "Treat a 202 response as data not ready, not as data. Retry with backoff, and expect up to 14 days for an assisted connection's first sync",
          "Stay under 20 requests a minute on organisation endpoints and 12 on pay endpoints across all tokens. Batch IDs, and on 429 wait 60 seconds",
          "After a deduction write, poll the job by `job_id` until it completes before enrolling individuals. Enrolment overwrites an existing enrolment",
          "Start the MCP server with `--code-allow-http-gets` or a token without the benefits product when only reads are intended"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "BB",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 71.6
          }
        ],
        "editorialScores": {
          "ergonomics": 71,
          "maintenance": 84,
          "payments": 30,
          "reliability": 84,
          "schema": 87,
          "security": 66,
          "transparency": 65
        },
        "provenanceScore": 82
      },
      "connect": {
        "install": "pip install finch-api",
        "http": "curl https://api.tryfinch.com/employer/directory \\\n  -H 'Authorization: Bearer \u003caccess_token\u003e' \\\n  -H 'Finch-API-Version: 2020-09-17'",
        "config": {
          "mcpServers": {
            "finch_api": {
              "args": [
                "-y",
                "@tryfinch/finch-api-mcp"
              ],
              "command": "npx",
              "env": {
                "FINCH_ACCESS_TOKEN": "\u003ca specific connection's access token\u003e"
              }
            }
          }
        }
      },
      "letme": {
        "capability": "https://letme.dev/payroll.employees",
        "tool": "https://letme.dev/finch"
      },
      "area": "domain-data",
      "unitPrices": [
        {
          "item": "Starter, one employer connection",
          "unit": "account-month",
          "usd": 65,
          "note": "read-only, 24 providers, up to 15 connections. Pro and Premier priced by sales"
        }
      ],
      "provenance": {
        "legalEntity": "Profound Platform Inc. (dba Finch)",
        "domain": "tryfinch.com",
        "domainRegistered": "2020-03-30",
        "endpointOnVendorDomain": true,
        "terms": "https://www.tryfinch.com/legal/msa",
        "privacy": "https://www.tryfinch.com/legal/privacy",
        "statusPage": "https://status.tryfinch.com",
        "changelog": "https://developer.tryfinch.com/changelog",
        "securityTxt": "none",
        "checked": "2026-10-08",
        "notes": [
          "The Master Service Agreement (last updated 7 August 2026) names Profound Platform Inc. (dba Finch), a Delaware corporation. The site footer reads Finch Inc.",
          "The site also publishes Terms of Service dated 24 March 2022 at tryfinch.com/legal/terms, which cover the website and self-serve use, a DPA dated 7 August 2026 at /legal/dpa and a Service Level Description at /legal/sla.",
          "The privacy policy (effective 31 July 2025) gives the address 2261 Market Street #4127, San Francisco, CA 94114, and says Finch processes developer customers' end-user data only on their behalf.",
          "www.tryfinch.com/.well-known/security.txt and tryfinch.com/.well-known/security.txt return 404.",
          "The API answers at api.tryfinch.com and Finch Connect at connect.tryfinch.com.",
          "RDAP for tryfinch.com gives a registration date of 2020-03-30 and Squarespace Domains II LLC as registrar."
        ],
        "score": 82
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/finch.json",
      "live": {
        "slug": "finch",
        "probe": {
          "target": "https://api.tryfinch.com",
          "method": "get",
          "lastAt": "2026-10-08T19:52:51.111908706Z",
          "lastOk": true,
          "lastStatus": 400,
          "lastMs": 433,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 453,
          "p95ms24h": 542,
          "samples24h": 27,
          "samples30d": 27,
          "days": [
            {
              "date": "2026-10-08",
              "probes": 27,
              "ok": 27
            }
          ]
        },
        "vendorStatus": {
          "page": "https://status.tryfinch.com",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-08T19:50:41.328365439Z"
        },
        "pages": [
          {
            "url": "https://developer.tryfinch.com/changelog",
            "kind": "changelog",
            "status": 200,
            "checkedAt": "2026-10-08T18:17:19.963606681Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "eb779dc32931"
          },
          {
            "url": "https://www.tryfinch.com/legal/privacy",
            "kind": "privacy",
            "status": 200,
            "checkedAt": "2026-10-08T18:31:07.005025023Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "758462585b04"
          },
          {
            "url": "https://www.tryfinch.com/legal/msa",
            "kind": "terms",
            "status": 200,
            "checkedAt": "2026-10-08T18:31:04.959158947Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "b7122ac1b3ac"
          }
        ],
        "updatedAt": "2026-10-08T19:52:51.111908706Z"
      }
    },
    "answer": "Finch scores 71.6 (BB) on agent readiness against Gusto's 63.3 (B), and leads in 6 of 7 scored categories. Gusto leads on agent ergonomics.",
    "b": {
      "slug": "gusto",
      "name": "Gusto",
      "vendor": "Gusto, Inc.",
      "vendorUrl": "https://gusto.com",
      "kind": "http-api",
      "category": "payroll",
      "summary": "Gusto 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.",
      "url": "https://www.anchorterminal.com/tools/gusto",
      "markdownUrl": "https://www.anchorterminal.com/tools/gusto.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/gusto.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/gusto.json",
      "repo": "https://github.com/Gusto/gusto-typescript-client",
      "license": "Proprietary service under Gusto's API Policy and Developer Terms of Service. The API clients on GitHub are MIT, and the React SDK and the Gusto CLI are Apache-2.0",
      "transports": [
        "http"
      ],
      "packages": [
        {
          "registry": "npm",
          "name": "@gusto/embedded-api"
        },
        {
          "registry": "npm",
          "name": "@gusto/embedded-react-sdk"
        },
        {
          "registry": "pypi",
          "name": "gusto-embedded"
        }
      ],
      "auth": "oauth",
      "authNotes": "Graded on the Embedded Payroll API, which needs a partnership. A developer signs up at dev.gusto.com, creates an organisation and an application, and gets a client ID and secret for the demo environment. POST /oauth/token with `grant_type` system_access returns a two-hour system token for partner-level calls, and creating a partner-managed company returns an access and refresh token pair for that company alone. Scopes are assigned by Gusto, and production keys follow commercial, security and implementation reviews. Access to an existing employer's Gusto account is separate. Partner apps use the App Integrations API with the OAuth 2.0 authorisation code grant after Production Pre-Approval and a security review. A customer's own company is reached through the Gusto CLI or the Gusto MCP server, which sign in by OAuth with dynamic client registration and PKCE.",
      "pricing": "paid",
      "pricingNotes": "No price could be read. gusto.com and embedded.gusto.com answered our reader with a bot check, and the developer docs carry no figures. The introduction says commercial conversations are required before production, and an invoices endpoint returns the active companies used to calculate a partner's invoice. The demo environment is open to any developer with a Developer Portal account, with generated demo companies and no contract (checked 2026-10-08).",
      "priceSummary": "Paid",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 in the developer docs, the API reference or the llms.txt index (checked 2026-10-08).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": 2,
        "npmWeekly": 24731,
        "pypiWeekly": null,
        "asOf": "2026-10-08"
      },
      "docsUrl": "https://docs.gusto.com/embedded-payroll/docs/introduction",
      "llmsTxt": "https://docs.gusto.com/llms.txt",
      "capabilities": [
        "payroll.run",
        "payroll.employees",
        "payroll.embedded",
        "payroll.tax-filing",
        "payroll.contractors",
        "hr.onboarding",
        "hr.time-off"
      ],
      "tags": [
        "hosted",
        "payroll",
        "oauth",
        "partner-approval",
        "sandbox",
        "llms-txt",
        "webhooks",
        "typescript",
        "python",
        "java",
        "csharp",
        "ruby",
        "mcp",
        "cli",
        "status-page"
      ],
      "lastRelease": "2026-10-01",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 63.3,
        "grade": "B",
        "agentReady": false,
        "rank": 314,
        "ranked": true,
        "rankOf": 722,
        "categoryRank": 4,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 82,
          "maintenance": 76,
          "payments": 15,
          "reliability": 58,
          "schema": 86,
          "security": 60,
          "transparency": 61
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-08"
        },
        "negative": 0,
        "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.",
        "bestFor": "A software platform that wants to run US payroll for its own customers and can pass Gusto's partner reviews.",
        "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",
          "Company access tokens work for one company only, expire after two hours and rotate the refresh token on use",
          "Rate limit of 200 requests a minute per application and user, with `Retry-After` and `X-RateLimit-*` headers on responses"
        ],
        "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",
          "Idempotency keys were found only on the People Batch endpoint. Other POST calls rely on the caller not repeating them",
          "The five API clients are labelled beta, and the README warns of breaking changes without notice"
        ],
        "agentNotes": [
          "Develop against https://api.gusto-demo.com. Production at https://api.gusto.com needs keys Gusto issues after its reviews",
          "Send `X-Gusto-API-Version: 2026-06-15` on every call. Without it the application's minimum version applies",
          "Send the resource's current `version` with every PUT, and only the fields to change. A stale version returns 409",
          "Calculate and submit return 202. Poll GET on the payroll until `calculated_at` is set or the status is processed, and read `submission_blockers` first",
          "For a company already on Gusto, the Embedded API is the wrong route. Use the Gusto CLI or the MCP server at https://mcp.api.gusto.com, which draft payroll but can't submit it"
        ],
        "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": 63.3
          }
        ],
        "editorialScores": {
          "ergonomics": 82,
          "maintenance": 76,
          "payments": 15,
          "reliability": 58,
          "schema": 86,
          "security": 60,
          "transparency": 44
        },
        "provenanceScore": 77
      },
      "connect": {
        "install": "npm add @gusto/embedded-api",
        "http": "curl --location --request POST 'https://api.gusto-demo.com/oauth/token' \\\n--header 'Content-Type: application/json' \\\n--data-raw '{\n  \"client_id\": \"{{client_id}}\",\n  \"client_secret\": \"{{client_secret}}\",\n  \"grant_type\": \"system_access\"\n}'"
      },
      "letme": {
        "capability": "https://letme.dev/payroll.run",
        "tool": "https://letme.dev/gusto"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Gusto, Inc.",
        "domain": "gusto.com",
        "domainRegistered": "1995-08-23",
        "endpointOnVendorDomain": true,
        "terms": "https://gusto.com/about/terms/developer-terms-of-service",
        "privacy": "",
        "statusPage": "https://gustoapi.statuspage.io",
        "changelog": "https://docs.gusto.com/embedded-payroll/changelog",
        "securityTxt": "unknown",
        "checked": "2026-10-08",
        "notes": [
          "The NOTICE file in Gusto/gusto-cli reads Copyright 2026 Gusto, Inc.",
          "Production calls go to https://api.gusto.com. The demo environment is on a separate domain, api.gusto-demo.com.",
          "The terms URL is the one named in the OpenAPI definitions on the reference pages. gusto.com answered our reader with a bot check, so the terms, the privacy policy and /.well-known/security.txt weren't read.",
          "The API Policy published in the docs is dated 11 July 2022 and refers to Gusto's Privacy Policy without a readable link.",
          "RDAP for gusto.com gives a registration date of 1995-08-23.",
          "The docs embed https://gustoapi.statuspage.io as the API status page. status.gusto.com covers the Gusto product and also lists an API component."
        ],
        "score": 77
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/gusto.json",
      "live": {
        "slug": "gusto",
        "vendorStatus": {
          "page": "https://gustoapi.statuspage.io",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-08T19:50:44.611914848Z"
        },
        "versions": [
          {
            "registry": "github",
            "name": "Gusto/gusto-typescript-client",
            "version": "gusto_embedded_v_2025_11_15/v0.3.2",
            "released": "2026-10-01",
            "seenAt": "2026-10-08T16:15:29.553541966Z"
          },
          {
            "registry": "npm",
            "name": "@gusto/embedded-api",
            "version": "0.16.2",
            "seenAt": "2026-10-08T16:15:25.588820008Z"
          },
          {
            "registry": "npm",
            "name": "@gusto/embedded-react-sdk",
            "version": "0.56.5",
            "seenAt": "2026-10-08T16:15:29.142122622Z"
          },
          {
            "registry": "pypi",
            "name": "gusto-embedded",
            "version": "0.2.4",
            "released": "2025-04-16",
            "seenAt": "2026-10-08T16:15:29.349450484Z"
          }
        ],
        "githubStars": 2,
        "npmWeekly": 24731,
        "pypiWeekly": 104,
        "securityTxt": {
          "url": "https://gusto.com/.well-known/security.txt",
          "state": "unknown",
          "checkedAt": "2026-10-08T15:38:35.992448629Z"
        },
        "pages": [
          {
            "url": "https://docs.gusto.com/embedded-payroll/changelog",
            "kind": "changelog",
            "status": 200,
            "checkedAt": "2026-10-08T18:18:50.184946965Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "fb0136facdba"
          },
          {
            "url": "https://gusto.com/about/terms/developer-terms-of-service",
            "kind": "terms",
            "status": 403,
            "checkedAt": "2026-10-08T18:20:46.783185211Z",
            "changedAt": "0001-01-01T00:00:00Z"
          }
        ],
        "updatedAt": "2026-10-08T19:50:44.611914848Z"
      }
    },
    "facts": [
      {
        "a": "HTTP API",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Profound Platform Inc. (dba Finch)",
        "b": "Gusto, Inc.",
        "name": "Vendor"
      },
      {
        "a": "https://api.tryfinch.com",
        "b": "no (local only)",
        "name": "Hosted endpoint"
      },
      {
        "a": "HTTP, stdio",
        "b": "HTTP",
        "name": "Transports"
      },
      {
        "a": "OAuth",
        "b": "OAuth",
        "name": "Auth"
      },
      {
        "a": "Paid",
        "b": "Paid",
        "name": "Pricing"
      },
      {
        "a": "no",
        "b": "no",
        "name": "x402"
      },
      {
        "a": "Proprietary service under Finch's Master Service Agreement. The SDKs and the MCP server on GitHub are Apache-2.0",
        "b": "Proprietary service under Gusto's API Policy and Developer Terms of Service. The API clients on GitHub are MIT, and the React SDK and the Gusto CLI are Apache-2.0",
        "name": "Licence"
      },
      {
        "a": "2",
        "b": "none",
        "name": "Tools exposed"
      },
      {
        "a": "no",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-05",
        "b": "2026-10-01",
        "name": "Last release"
      },
      {
        "a": "2026-08-07",
        "b": "couldn't be read",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "no document linked",
        "name": "Privacy policy last updated"
      },
      {
        "a": "not found in the text",
        "b": "couldn't be read",
        "name": "Customer content may train models"
      },
      {
        "a": "not found in the text",
        "b": "couldn't be read",
        "name": "Terms restrict automated access"
      },
      {
        "a": "yes",
        "b": "couldn't be read",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "not found in the text",
        "b": "couldn't be read",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "not found in the text",
        "b": "couldn't be read",
        "name": "Arbitration or class-action waiver"
      },
      {
        "a": "16k npm/wk, 26k PyPI/wk",
        "b": "2 stars, 25k npm/wk",
        "name": "Popularity"
      }
    ],
    "faq": [
      {
        "answer": "Finch scores 71.6 (BB) on agent readiness against Gusto's 63.3 (B), and leads in 6 of 7 scored categories. Gusto leads on agent ergonomics.",
        "question": "Which is better for AI agents, Finch or Gusto?"
      },
      {
        "answer": "Both use an OAuth sign-in.",
        "question": "Do Finch and Gusto need an API key?"
      },
      {
        "answer": "Finch has a hosted endpoint at https://api.tryfinch.com. No hosted endpoint is listed for Gusto.",
        "question": "Can an agent call Finch and Gusto without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Reliability, 84 against 58",
          "Security \u0026 auth, 66 against 60",
          "Payments \u0026 pricing, 30 against 15",
          "Maintenance \u0026 community, 84 against 76",
          "Transparency \u0026 trust, 74 against 61"
        ],
        "also": [
          "Agent-ready, a grade of BB or better",
          "A hosted endpoint, with nothing to install",
          "Runs on your own machine"
        ],
        "goodFor": "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.",
        "slug": "finch",
        "watchFor": "Finch cannot create, preview or approve a payroll. Writes are limited to deductions and contributions, on Pro and Premier plans"
      },
      {
        "aheadOn": [
          "Agent ergonomics, 82 against 71"
        ],
        "also": null,
        "goodFor": "A software platform that wants to run US payroll for its own customers and can pass Gusto's partner reviews.",
        "slug": "gusto",
        "watchFor": "Production keys need commercial, security and implementation reviews with Gusto's partnerships team, and the docs say not all use cases are supported"
      }
    ],
    "job": {
      "capability": "payroll.employees",
      "name": "Payroll employees"
    },
    "others": [
      {
        "json": "https://www.anchorterminal.com/compare/argyle-vs-finch.json",
        "title": "Argyle vs Finch",
        "url": "https://www.anchorterminal.com/compare/argyle-vs-finch"
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      {
        "json": "https://www.anchorterminal.com/compare/argyle-vs-gusto.json",
        "title": "Argyle vs Gusto",
        "url": "https://www.anchorterminal.com/compare/argyle-vs-gusto"
      },
      {
        "json": "https://www.anchorterminal.com/compare/check-payroll-vs-finch.json",
        "title": "Check vs Finch",
        "url": "https://www.anchorterminal.com/compare/check-payroll-vs-finch"
      },
      {
        "json": "https://www.anchorterminal.com/compare/employment-hero-vs-finch.json",
        "title": "Employment Hero Payroll vs Finch",
        "url": "https://www.anchorterminal.com/compare/employment-hero-vs-finch"
      },
      {
        "json": "https://www.anchorterminal.com/compare/everee-vs-finch.json",
        "title": "Everee vs Finch",
        "url": "https://www.anchorterminal.com/compare/everee-vs-finch"
      },
      {
        "json": "https://www.anchorterminal.com/compare/finch-vs-paychex.json",
        "title": "Finch vs Paychex",
        "url": "https://www.anchorterminal.com/compare/finch-vs-paychex"
      },
      {
        "json": "https://www.anchorterminal.com/compare/finch-vs-salsa.json",
        "title": "Finch vs Salsa",
        "url": "https://www.anchorterminal.com/compare/finch-vs-salsa"
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      {
        "json": "https://www.anchorterminal.com/compare/finch-vs-zeal.json",
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      {
        "json": "https://www.anchorterminal.com/compare/check-payroll-vs-gusto.json",
        "title": "Check vs Gusto",
        "url": "https://www.anchorterminal.com/compare/check-payroll-vs-gusto"
      },
      {
        "json": "https://www.anchorterminal.com/compare/employment-hero-vs-gusto.json",
        "title": "Employment Hero Payroll vs Gusto",
        "url": "https://www.anchorterminal.com/compare/employment-hero-vs-gusto"
      },
      {
        "json": "https://www.anchorterminal.com/compare/everee-vs-gusto.json",
        "title": "Everee vs Gusto",
        "url": "https://www.anchorterminal.com/compare/everee-vs-gusto"
      },
      {
        "json": "https://www.anchorterminal.com/compare/gusto-vs-salsa.json",
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      {
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        "title": "Gusto vs Zeal",
        "url": "https://www.anchorterminal.com/compare/gusto-vs-zeal"
      }
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    "scores": [
      {
        "by": 26,
        "edge": "finch",
        "finch": 84,
        "gusto": 58,
        "key": "reliability",
        "name": "Reliability",
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 1,
        "edge": "finch",
        "finch": 87,
        "gusto": 86,
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "weight": 13
      },
      {
        "by": 11,
        "edge": "gusto",
        "finch": 71,
        "gusto": 82,
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "weight": 13
      },
      {
        "by": 6,
        "edge": "finch",
        "finch": 66,
        "gusto": 60,
        "key": "security",
        "name": "Security \u0026 auth",
        "weight": 14
      },
      {
        "by": 15,
        "edge": "finch",
        "finch": 30,
        "gusto": 15,
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 8,
        "edge": "finch",
        "finch": 84,
        "gusto": 76,
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "weight": 7
      },
      {
        "by": 13,
        "edge": "finch",
        "finch": 74,
        "gusto": 61,
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "weight": 7
      }
    ],
    "summary": "Finch scores 71.6 (BB) on agent readiness against Gusto's 63.3 (B), and leads in 6 of 7 scored categories. Gusto leads on agent ergonomics. Both do payroll employees.",
    "verdicts": {
      "finch": "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.",
      "gusto": "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."
    }
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  "markdown": "Finch scores 71.6 (BB) on agent readiness against Gusto's 63.3 (B), and leads in 6 of 7 scored categories. Gusto leads on agent ergonomics. Both do payroll employees.\n\n- Finch: grade BB, 71.6/100, rank #104 of 722. Markdown https://www.anchorterminal.com/tools/finch.md · JSON https://www.anchorterminal.com/api/v1/tools/finch.json\n- Gusto: grade B, 63.3/100, rank #314 of 722. Markdown https://www.anchorterminal.com/tools/gusto.md · JSON https://www.anchorterminal.com/api/v1/tools/gusto.json\n\n## Which one, for what\n\n### Finch (BB)\n\nGood 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\nAhead on:\n- Reliability, 84 against 58\n- Security \u0026 auth, 66 against 60\n- Payments \u0026 pricing, 30 against 15\n- Maintenance \u0026 community, 84 against 76\n- Transparency \u0026 trust, 74 against 61\n\nAlso in its favour:\n- Agent-ready, a grade of BB or better\n- A hosted endpoint, with nothing to install\n- Runs on your own machine\n\nWatch for: Finch cannot create, preview or approve a payroll. Writes are limited to deductions and contributions, on Pro and Premier plans\n\n### Gusto (B)\n\nGood for: A software platform that wants to run US payroll for its own customers and can pass Gusto's partner reviews.\n\nAhead on:\n- Agent ergonomics, 82 against 71\n\nWatch for: Production keys need commercial, security and implementation reviews with Gusto's partnerships team, and the docs say not all use cases are supported\n\n\n## Score by category\n\n| Category | Weight | Finch | Gusto | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 84 | 58 | Finch +26 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 87 | 86 | Finch +1 |\n| Agent ergonomics | 13% (16.2 this run) | 71 | 82 | Gusto +11 |\n| Security \u0026 auth | 14% (17.5 this run) | 66 | 60 | Finch +6 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 30 | 15 | Finch +15 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 84 | 76 | Finch +8 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 74 | 61 | Finch +13 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **71.6 · BB** | **63.3 · B** | |\n\n## Facts side by side\n\n| Fact | Finch | Gusto |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Profound Platform Inc. (dba Finch) | Gusto, Inc. |\n| Hosted endpoint | `https://api.tryfinch.com` | no (local only) |\n| Transports | HTTP, stdio | HTTP |\n| Auth | OAuth | OAuth |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under Finch's Master Service Agreement. The SDKs and the MCP server on GitHub are Apache-2.0 | Proprietary service under Gusto's API Policy and Developer Terms of Service. The API clients on GitHub are MIT, and the React SDK and the Gusto CLI are Apache-2.0 |\n| Tools exposed | 2 | none |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-10-05 | 2026-10-01 |\n| Terms last updated | 2026-08-07 | couldn't be read |\n| Privacy policy last updated | no date given | no document linked |\n| Customer content may train models | not found in the text | couldn't be read |\n| Terms restrict automated access | not found in the text | couldn't be read |\n| Terms restrict benchmarking | yes | couldn't be read |\n| Terms or service can change without notice | not found in the text | couldn't be read |\n| Arbitration or class-action waiver | not found in the text | couldn't be read |\n| Popularity | 16k npm/wk, 26k PyPI/wk | 2 stars, 25k npm/wk |\n\n## Verdicts\n\n**Finch.** 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\n**Gusto.** 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\n## Before you call either\n\n### Finch\n\n1. Send `Finch-API-Version: 2020-09-17` and `Authorization: Bearer \u003caccess_token\u003e` on every request. A request without the version header fails with 400\n2. Call GET /introspect first to see the connection's products, status and whether it is automated or assisted before choosing endpoints\n3. Treat a 202 response as data not ready, not as data. Retry with backoff, and expect up to 14 days for an assisted connection's first sync\n4. Stay under 20 requests a minute on organisation endpoints and 12 on pay endpoints across all tokens. Batch IDs, and on 429 wait 60 seconds\n5. After a deduction write, poll the job by `job_id` until it completes before enrolling individuals. Enrolment overwrites an existing enrolment\n6. Start the MCP server with `--code-allow-http-gets` or a token without the benefits product when only reads are intended\n\n### Gusto\n\n1. Develop against https://api.gusto-demo.com. Production at https://api.gusto.com needs keys Gusto issues after its reviews\n2. Send `X-Gusto-API-Version: 2026-06-15` on every call. Without it the application's minimum version applies\n3. Send the resource's current `version` with every PUT, and only the fields to change. A stale version returns 409\n4. Calculate and submit return 202. Poll GET on the payroll until `calculated_at` is set or the status is processed, and read `submission_blockers` first\n5. For a company already on Gusto, the Embedded API is the wrong route. Use the Gusto CLI or the MCP server at https://mcp.api.gusto.com, which draft payroll but can't submit it\n\n## Questions\n\n### Which is better for AI agents, Finch or Gusto?\n\nFinch scores 71.6 (BB) on agent readiness against Gusto's 63.3 (B), and leads in 6 of 7 scored categories. Gusto leads on agent ergonomics.\n\n### Do Finch and Gusto need an API key?\n\nBoth use an OAuth sign-in.\n\n### Can an agent call Finch and Gusto without installing anything?\n\nFinch has a hosted endpoint at https://api.tryfinch.com. No hosted endpoint is listed for Gusto.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/finch-vs-gusto.json, and with the fewest tokens: https://www.anchorterminal.com/compare/finch-vs-gusto.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"finch\", \"b\": \"gusto\"}`. From a terminal: `anchor compare finch gusto`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/finch.json and https://www.anchorterminal.com/api/v1/tools/gusto.json\n\n## Other comparisons with Finch or Gusto\n\n- [Argyle vs Finch](https://www.anchorterminal.com/compare/argyle-vs-finch.md)\n- [Argyle vs Gusto](https://www.anchorterminal.com/compare/argyle-vs-gusto.md)\n- [Check vs Finch](https://www.anchorterminal.com/compare/check-payroll-vs-finch.md)\n- [Employment Hero Payroll vs Finch](https://www.anchorterminal.com/compare/employment-hero-vs-finch.md)\n- [Everee vs Finch](https://www.anchorterminal.com/compare/everee-vs-finch.md)\n- [Finch vs Paychex](https://www.anchorterminal.com/compare/finch-vs-paychex.md)\n- [Finch vs Salsa](https://www.anchorterminal.com/compare/finch-vs-salsa.md)\n- [Finch vs Zeal](https://www.anchorterminal.com/compare/finch-vs-zeal.md)\n- [Gusto vs Paychex](https://www.anchorterminal.com/compare/gusto-vs-paychex.md)\n- [Check vs Gusto](https://www.anchorterminal.com/compare/check-payroll-vs-gusto.md)\n- [Employment Hero Payroll vs Gusto](https://www.anchorterminal.com/compare/employment-hero-vs-gusto.md)\n- [Everee vs Gusto](https://www.anchorterminal.com/compare/everee-vs-gusto.md)\n- [Gusto vs Salsa](https://www.anchorterminal.com/compare/gusto-vs-salsa.md)\n- [Gusto vs Zeal](https://www.anchorterminal.com/compare/gusto-vs-zeal.md)\n",
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    "description": "Finch scores 71.6 (BB) on agent readiness against Gusto's 63.3 (B), and leads in 6 of 7 scored categories. Gusto leads on agent ergonomics. Both do payroll employees. Category scores, facts, verdicts and agent notes side by side.",
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