{
  "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": 121,
        "ranked": true,
        "rankOf": 950,
        "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": "2026-10-10T03:53:27.695628968Z",
          "lastOk": true,
          "lastStatus": 400,
          "lastMs": 428,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 450,
          "p95ms24h": 540,
          "samples24h": 249,
          "samples30d": 360,
          "days": [
            {
              "date": "2026-10-08",
              "probes": 70,
              "ok": 70
            },
            {
              "date": "2026-10-09",
              "probes": 250,
              "ok": 250
            },
            {
              "date": "2026-10-10",
              "probes": 40,
              "ok": 40
            }
          ]
        },
        "vendorStatus": {
          "page": "https://status.tryfinch.com",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-10T03:58:20.331867903Z"
        },
        "versions": [
          {
            "registry": "github",
            "name": "Finch-API/finch-api-node",
            "version": "v10.8.2",
            "released": "2026-08-24",
            "seenAt": "2026-10-09T16:53:15.316093288Z"
          },
          {
            "registry": "npm",
            "name": "@tryfinch/finch-api",
            "version": "10.8.2",
            "seenAt": "2026-10-09T16:53:12.905002214Z"
          },
          {
            "registry": "npm",
            "name": "@tryfinch/finch-api-mcp",
            "version": "10.8.2",
            "seenAt": "2026-10-09T16:53:13.843059262Z"
          },
          {
            "registry": "pypi",
            "name": "finch-api",
            "version": "2.8.3",
            "released": "2026-10-05",
            "seenAt": "2026-10-09T16:53:15.111937758Z"
          }
        ],
        "githubStars": 7,
        "npmWeekly": 12995,
        "pypiWeekly": 26922,
        "securityTxt": {
          "url": "https://tryfinch.com/.well-known/security.txt",
          "state": "none",
          "checkedAt": "2026-10-09T15:39:31.65420228Z"
        },
        "llmsTxt": {
          "url": "https://developer.tryfinch.com/llms.txt",
          "ok": true,
          "status": 200,
          "checkedAt": "2026-10-09T14:01:57.359358423Z"
        },
        "pages": [
          {
            "url": "https://developer.tryfinch.com/changelog",
            "kind": "changelog",
            "status": 200,
            "checkedAt": "2026-10-09T18:35:24.656872313Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "eb779dc32931"
          },
          {
            "url": "https://www.tryfinch.com/legal/privacy",
            "kind": "privacy",
            "status": 304,
            "checkedAt": "2026-10-09T18:55:09.500675199Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "758462585b04"
          },
          {
            "url": "https://www.tryfinch.com/legal/msa",
            "kind": "terms",
            "status": 304,
            "checkedAt": "2026-10-09T18:55:07.434140132Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "b7122ac1b3ac"
          }
        ],
        "updatedAt": "2026-10-10T03:58:20.331867903Z"
      }
    },
    "answer": "Finch scores 71.6 (BB) on agent readiness against PayFit's 55.5 (C), and leads in every scored category.",
    "b": {
      "slug": "payfit",
      "name": "PayFit",
      "vendor": "PayFit SAS",
      "vendorUrl": "https://payfit.com",
      "kind": "http-api",
      "category": "payroll",
      "summary": "PayFit is payroll and HR software for small and mid-sized employers in France, the United Kingdom and Spain. Its Partner API reads employees, contracts, payslips, absences and accounting exports, with a customer API key or partner OAuth.",
      "url": "https://www.anchorterminal.com/tools/payfit",
      "markdownUrl": "https://www.anchorterminal.com/tools/payfit.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/payfit.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/payfit.json",
      "license": "Proprietary service under PayFit's general terms of service",
      "transports": [
        "http"
      ],
      "packages": [],
      "auth": "mixed",
      "authNotes": "Two routes. A customer's company admin creates an API key in the PayFit app at app.payfit.com/integrations/hub/api, picks its scopes, and sees it once. It is sent as a Bearer token and reaches that company only. Partners use the OAuth 2.0 authorisation code grant at oauth.payfit.com with a client ID and secret that PayFit issues after reviewing the use case, and the scopes a partner may request are fixed at approval. The partner guides say PayFit is temporarily not accepting new integration requests.",
      "pricing": "paid",
      "pricingNotes": "No charge for API calls was found. Access comes with a PayFit subscription. In France the API is included from the Paie avancée plan, listed at 27 € a collaborator a month plus a 49 € monthly subscription for 1 to 3 collaborators, before tax. The UK site lists no prices and sends buyers to a demo, and its contract appendix includes API access in the Payroll Core plan. The French site links a free signup and a first month free until 31 October 2026. Whether signup needs a card was not established. A sandbox company is given only to accepted partners (checked 2026-10-09).",
      "priceSummary": "Paid",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 in the API guides, the OpenAPI file or the French pricing page (checked 2026-10-09).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-09"
      },
      "docsUrl": "https://developers.payfit.io/",
      "llmsTxt": "https://developers.payfit.io/llms.txt",
      "openapi": "https://developers.payfit.io/openapi/partner-api.json",
      "capabilities": [
        "payroll.employees",
        "hr.time-off",
        "hr.employees"
      ],
      "tags": [
        "hosted",
        "payroll",
        "hr",
        "api-key",
        "oauth",
        "openapi",
        "llms-txt",
        "webhooks",
        "france",
        "uk",
        "spain",
        "status-page",
        "iso-27001"
      ],
      "lastRelease": "2026-07-23",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 55.5,
        "grade": "C",
        "agentReady": false,
        "rank": 656,
        "ranked": true,
        "rankOf": 950,
        "categoryRank": 5,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 51,
          "maintenance": 28,
          "payments": 10,
          "reliability": 79,
          "schema": 78,
          "security": 51,
          "transparency": 70
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-09"
        },
        "negative": 0,
        "verdict": "A public OpenAPI 3.0 file, llms.txt and scoped keys let a paying customer's agent read payroll outputs and write absences. The API cannot run or approve a payroll, new partner integrations are not being accepted, and no idempotency keys or SDKs were found.",
        "bestFor": "An agent working for an employer that already runs payroll on PayFit in France, the UK or Spain and needs employees, contracts, payslips, absences or the payroll journal.",
        "strengths": [
          "Public OpenAPI 3.0 file with 31 operations, each documenting 400, 401, 403 and 404 responses with an example",
          "llms.txt and a Markdown twin for every guide, reference and changelog page",
          "Customer API keys and partner OAuth tokens are limited to chosen scopes from 22, with read and write separate",
          "Rate limits are published as 50 read and 20 write requests a second, with `X-RateLimit` headers on responses",
          "The contract appendix of 15 June 2026 lists sub-processors by purpose and region, and the security page states hosting in France"
        ],
        "weaknesses": [
          "No operation runs, previews or approves a payroll. The API reads payroll status, payslips and accounting exports",
          "The partner guides say PayFit is temporarily not accepting new integration requests, with no reopening date",
          "The webhook guide documents a call that sends `clientSecret` and `clientId` in the URL query string",
          "No idempotency keys, no official SDK and no MCP server were found in the reviewed documentation",
          "Fifteen of 31 operations are France-only and two are UK-only, including contract creation and both accounting exports"
        ],
        "agentNotes": [
          "Have a company admin create the key at app.payfit.com/integrations/hub/api with only the scopes the task needs. The key is shown once",
          "POST the key to `https://oauth.payfit.com/introspect` to get `company_id`, then call `https://partner-api.payfit.com/companies/{companyId}/...`",
          "Page lists with `nextPageToken` and `maxResults`, which defaults to 10 and stops at 50",
          "Check before repeating a failed POST. There is no idempotency key, and `POST /absences` creates an absence that is already validated",
          "A collaborator or contract created through the API stays incomplete until an HR admin finishes it in the PayFit app, and a new contract takes 2 to 5 minutes to appear"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "C",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 55.5
          }
        ],
        "editorialScores": {
          "ergonomics": 51,
          "maintenance": 28,
          "payments": 10,
          "reliability": 79,
          "schema": 78,
          "security": 51,
          "transparency": 56
        },
        "provenanceScore": 84
      },
      "connect": {
        "http": "curl --request GET --url https://partner-api.payfit.com/companies/{companyId} --header 'Authorization: Bearer YOUR-API-KEY'"
      },
      "letme": {
        "capability": "https://letme.dev/payroll.employees",
        "tool": "https://letme.dev/payfit"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "PayFit SAS",
        "domain": "payfit.com",
        "domainRegistered": "2006-11-17",
        "endpointOnVendorDomain": true,
        "terms": "https://payfit.com/general-terms-of-service/",
        "privacy": "https://payfit.com/privacy-policy/",
        "statusPage": "https://status.payfit.com",
        "changelog": "https://developers.payfit.io/changelog",
        "securityTxt": "none",
        "checked": "2026-10-09",
        "notes": [
          "The French general conditions (last updated 8 September 2026) name Payfit, a société par actions simplifiée registered in Paris under number 813 487 899, at 37-39 avenue Trudaine, 75009 Paris.",
          "The linked terms and privacy policy are the English ones, both last updated 15 June 2026. They name Payfit Ltd, registered in England and Wales under number 11623900, which contracts with UK clients. French clients contract under https://payfit.com/fr/conditions-generales-de-services/.",
          "No separate API terms were found. Clause 1.4 of the terms covers third-party services connected through the Payfit API, and the appendix lists access to the API as a plan item.",
          "The API answers at partner-api.payfit.com and OAuth at oauth.payfit.com. The documentation is on developers.payfit.io, a second domain.",
          "https://payfit.com/.well-known/security.txt returned 404. The security contact page gives security@payfit.com and a PGP key whose stated expiry is 27 August 2026.",
          "RDAP for payfit.com gives a registration date of 2006-11-17 and Gandi SAS as registrar."
        ],
        "score": 84
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/payfit.json",
      "live": {
        "slug": "payfit",
        "vendorStatus": {
          "page": "https://status.payfit.com",
          "indicator": "unknown",
          "summary": "no machine-readable status found",
          "checkedAt": "2026-10-10T00:51:07.656388577Z"
        },
        "pages": [
          {
            "url": "https://developers.payfit.io/changelog",
            "kind": "changelog",
            "status": 200,
            "checkedAt": "2026-10-09T18:36:07.999420808Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "1d2fd9ebd502"
          },
          {
            "url": "https://payfit.com/privacy-policy/",
            "kind": "privacy",
            "status": 200,
            "checkedAt": "2026-10-09T18:43:03.382729135Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "99ea5438a60b"
          },
          {
            "url": "https://payfit.com/general-terms-of-service/",
            "kind": "terms",
            "status": 200,
            "checkedAt": "2026-10-09T18:43:01.261262581Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "816c4583c340"
          }
        ],
        "updatedAt": "2026-10-10T00:51:07.656388577Z"
      }
    },
    "facts": [
      {
        "a": "HTTP API",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Profound Platform Inc. (dba Finch)",
        "b": "PayFit SAS",
        "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 or key",
        "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 PayFit's general terms of service",
        "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": "2026-07-23",
        "name": "Last release"
      },
      {
        "a": "2026-08-07",
        "b": "2026-06-15",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "2026-06-15",
        "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": "16k npm/wk, 26k PyPI/wk",
        "b": "none",
        "name": "Popularity"
      }
    ],
    "faq": [
      {
        "answer": "Finch scores 71.6 (BB) on agent readiness against PayFit's 55.5 (C), and leads in every scored category.",
        "question": "Which is better for AI agents, Finch or PayFit?"
      },
      {
        "answer": "Finch uses an OAuth sign-in. PayFit takes an API key or an OAuth sign-in.",
        "question": "Do Finch and PayFit need an API key?"
      },
      {
        "answer": "Finch has a hosted endpoint at https://api.tryfinch.com. No hosted endpoint is listed for PayFit.",
        "question": "Can an agent call Finch and PayFit without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Reliability, 84 against 79",
          "Schema \u0026 documentation, 87 against 78",
          "Agent ergonomics, 71 against 51",
          "Security \u0026 auth, 66 against 51",
          "Payments \u0026 pricing, 30 against 10",
          "Maintenance \u0026 community, 84 against 28"
        ],
        "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": null,
        "also": null,
        "goodFor": "An agent working for an employer that already runs payroll on PayFit in France, the UK or Spain and needs employees, contracts, payslips, absences or the payroll journal.",
        "slug": "payfit",
        "watchFor": "No operation runs, previews or approves a payroll. The API reads payroll status, payslips and accounting exports"
      }
    ],
    "job": {
      "capability": "payroll.employees",
      "name": "Payroll records"
    },
    "others": [
      {
        "json": "https://www.anchorterminal.com/compare/argyle-vs-finch.json",
        "title": "Argyle vs Finch",
        "url": "https://www.anchorterminal.com/compare/argyle-vs-finch"
      },
      {
        "json": "https://www.anchorterminal.com/compare/argyle-vs-payfit.json",
        "title": "Argyle vs PayFit",
        "url": "https://www.anchorterminal.com/compare/argyle-vs-payfit"
      },
      {
        "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/check-payroll-vs-payfit.json",
        "title": "Check vs PayFit",
        "url": "https://www.anchorterminal.com/compare/check-payroll-vs-payfit"
      },
      {
        "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/employment-hero-vs-payfit.json",
        "title": "Employment Hero Payroll vs PayFit",
        "url": "https://www.anchorterminal.com/compare/employment-hero-vs-payfit"
      },
      {
        "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/everee-vs-payfit.json",
        "title": "Everee vs PayFit",
        "url": "https://www.anchorterminal.com/compare/everee-vs-payfit"
      },
      {
        "json": "https://www.anchorterminal.com/compare/finch-vs-gusto.json",
        "title": "Finch vs Gusto",
        "url": "https://www.anchorterminal.com/compare/finch-vs-gusto"
      },
      {
        "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"
      },
      {
        "json": "https://www.anchorterminal.com/compare/finch-vs-worklio.json",
        "title": "Finch vs Worklio",
        "url": "https://www.anchorterminal.com/compare/finch-vs-worklio"
      },
      {
        "json": "https://www.anchorterminal.com/compare/finch-vs-zeal.json",
        "title": "Finch vs Zeal",
        "url": "https://www.anchorterminal.com/compare/finch-vs-zeal"
      },
      {
        "json": "https://www.anchorterminal.com/compare/gusto-vs-payfit.json",
        "title": "Gusto vs PayFit",
        "url": "https://www.anchorterminal.com/compare/gusto-vs-payfit"
      },
      {
        "json": "https://www.anchorterminal.com/compare/paychex-vs-payfit.json",
        "title": "Paychex vs PayFit",
        "url": "https://www.anchorterminal.com/compare/paychex-vs-payfit"
      },
      {
        "json": "https://www.anchorterminal.com/compare/payfit-vs-salsa.json",
        "title": "PayFit vs Salsa",
        "url": "https://www.anchorterminal.com/compare/payfit-vs-salsa"
      },
      {
        "json": "https://www.anchorterminal.com/compare/payfit-vs-worklio.json",
        "title": "PayFit vs Worklio",
        "url": "https://www.anchorterminal.com/compare/payfit-vs-worklio"
      },
      {
        "json": "https://www.anchorterminal.com/compare/payfit-vs-zeal.json",
        "title": "PayFit vs Zeal",
        "url": "https://www.anchorterminal.com/compare/payfit-vs-zeal"
      }
    ],
    "scores": [
      {
        "by": 5,
        "edge": "finch",
        "finch": 84,
        "key": "reliability",
        "name": "Reliability",
        "payfit": 79,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 9,
        "edge": "finch",
        "finch": 87,
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "payfit": 78,
        "weight": 13
      },
      {
        "by": 20,
        "edge": "finch",
        "finch": 71,
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "payfit": 51,
        "weight": 13
      },
      {
        "by": 15,
        "edge": "finch",
        "finch": 66,
        "key": "security",
        "name": "Security \u0026 auth",
        "payfit": 51,
        "weight": 14
      },
      {
        "by": 20,
        "edge": "finch",
        "finch": 30,
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "payfit": 10,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 56,
        "edge": "finch",
        "finch": 84,
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "payfit": 28,
        "weight": 7
      },
      {
        "by": 4,
        "edge": "finch",
        "finch": 74,
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "payfit": 70,
        "weight": 7
      }
    ],
    "summary": "Finch scores 71.6 (BB) on agent readiness against PayFit's 55.5 (C), and leads in every scored category. Both do payroll records.",
    "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.",
      "payfit": "A public OpenAPI 3.0 file, llms.txt and scoped keys let a paying customer's agent read payroll outputs and write absences. The API cannot run or approve a payroll, new partner integrations are not being accepted, and no idempotency keys or SDKs were found."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/finch-vs-payfit",
    "json": "https://www.anchorterminal.com/compare/finch-vs-payfit.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/finch-vs-payfit.md",
    "slim": "https://www.anchorterminal.com/compare/finch-vs-payfit.min.md"
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  "markdown": "Finch scores 71.6 (BB) on agent readiness against PayFit's 55.5 (C), and leads in every scored category. Both do payroll records.\n\n- Finch: grade BB, 71.6/100, rank #121 of 950. Markdown https://www.anchorterminal.com/tools/finch.md · JSON https://www.anchorterminal.com/api/v1/tools/finch.json\n- PayFit: grade C, 55.5/100, rank #656 of 950. Markdown https://www.anchorterminal.com/tools/payfit.md · JSON https://www.anchorterminal.com/api/v1/tools/payfit.json\n- Best payroll APIs and embedded payroll for AI agents: https://www.anchorterminal.com/best/payroll/index.md\n- All 55 payroll comparisons: https://www.anchorterminal.com/compare/payroll/index.md\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 79\n- Schema \u0026 documentation, 87 against 78\n- Agent ergonomics, 71 against 51\n- Security \u0026 auth, 66 against 51\n- Payments \u0026 pricing, 30 against 10\n- Maintenance \u0026 community, 84 against 28\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### PayFit (C)\n\nGood for: An agent working for an employer that already runs payroll on PayFit in France, the UK or Spain and needs employees, contracts, payslips, absences or the payroll journal.\n\nWatch for: No operation runs, previews or approves a payroll. The API reads payroll status, payslips and accounting exports\n\n\n## Score by category\n\n| Category | Weight | Finch | PayFit | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 84 | 79 | Finch +5 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 87 | 78 | Finch +9 |\n| Agent ergonomics | 13% (16.2 this run) | 71 | 51 | Finch +20 |\n| Security \u0026 auth | 14% (17.5 this run) | 66 | 51 | Finch +15 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 30 | 10 | Finch +20 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 84 | 28 | Finch +56 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 74 | 70 | Finch +4 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **71.6 · BB** | **55.5 · C** | |\n\n## Facts side by side\n\n| Fact | Finch | PayFit |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Profound Platform Inc. (dba Finch) | PayFit SAS |\n| Hosted endpoint | `https://api.tryfinch.com` | no (local only) |\n| Transports | HTTP, stdio | HTTP |\n| Auth | OAuth | OAuth or key |\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 PayFit's general terms of service |\n| Tools exposed | 2 | none |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-10-05 | 2026-07-23 |\n| Terms last updated | 2026-08-07 | 2026-06-15 |\n| Privacy policy last updated | no date given | 2026-06-15 |\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 | 16k npm/wk, 26k PyPI/wk | none |\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**PayFit.** A public OpenAPI 3.0 file, llms.txt and scoped keys let a paying customer's agent read payroll outputs and write absences. The API cannot run or approve a payroll, new partner integrations are not being accepted, and no idempotency keys or SDKs were found.\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### PayFit\n\n1. Have a company admin create the key at app.payfit.com/integrations/hub/api with only the scopes the task needs. The key is shown once\n2. POST the key to `https://oauth.payfit.com/introspect` to get `company_id`, then call `https://partner-api.payfit.com/companies/{companyId}/...`\n3. Page lists with `nextPageToken` and `maxResults`, which defaults to 10 and stops at 50\n4. Check before repeating a failed POST. There is no idempotency key, and `POST /absences` creates an absence that is already validated\n5. A collaborator or contract created through the API stays incomplete until an HR admin finishes it in the PayFit app, and a new contract takes 2 to 5 minutes to appear\n\n## Questions\n\n### Which is better for AI agents, Finch or PayFit?\n\nFinch scores 71.6 (BB) on agent readiness against PayFit's 55.5 (C), and leads in every scored category.\n\n### Do Finch and PayFit need an API key?\n\nFinch uses an OAuth sign-in. PayFit takes an API key or an OAuth sign-in.\n\n### Can an agent call Finch and PayFit without installing anything?\n\nFinch has a hosted endpoint at https://api.tryfinch.com. No hosted endpoint is listed for PayFit.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/finch-vs-payfit.json, and with the fewest tokens: https://www.anchorterminal.com/compare/finch-vs-payfit.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"finch\", \"b\": \"payfit\"}`. From a terminal: `anchor compare finch payfit`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/finch.json and https://www.anchorterminal.com/api/v1/tools/payfit.json\n\n## Other comparisons with Finch or PayFit\n\n- [Argyle vs Finch](https://www.anchorterminal.com/compare/argyle-vs-finch.md)\n- [Argyle vs PayFit](https://www.anchorterminal.com/compare/argyle-vs-payfit.md)\n- [Check vs Finch](https://www.anchorterminal.com/compare/check-payroll-vs-finch.md)\n- [Check vs PayFit](https://www.anchorterminal.com/compare/check-payroll-vs-payfit.md)\n- [Employment Hero Payroll vs Finch](https://www.anchorterminal.com/compare/employment-hero-vs-finch.md)\n- [Employment Hero Payroll vs PayFit](https://www.anchorterminal.com/compare/employment-hero-vs-payfit.md)\n- [Everee vs Finch](https://www.anchorterminal.com/compare/everee-vs-finch.md)\n- [Everee vs PayFit](https://www.anchorterminal.com/compare/everee-vs-payfit.md)\n- [Finch vs Gusto](https://www.anchorterminal.com/compare/finch-vs-gusto.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 Worklio](https://www.anchorterminal.com/compare/finch-vs-worklio.md)\n- [Finch vs Zeal](https://www.anchorterminal.com/compare/finch-vs-zeal.md)\n- [Gusto vs PayFit](https://www.anchorterminal.com/compare/gusto-vs-payfit.md)\n- [Paychex vs PayFit](https://www.anchorterminal.com/compare/paychex-vs-payfit.md)\n- [PayFit vs Salsa](https://www.anchorterminal.com/compare/payfit-vs-salsa.md)\n- [PayFit vs Worklio](https://www.anchorterminal.com/compare/payfit-vs-worklio.md)\n- [PayFit vs Zeal](https://www.anchorterminal.com/compare/payfit-vs-zeal.md)\n",
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    "runLabel": "October 2026 research run"
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    "description": "Finch scores 71.6 (BB) to PayFit's 55.5 (C) for payroll records. Prices, MCP, x402, uptime and agent notes side by side.",
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    "title": "Finch vs PayFit for AI agents in 2026: scores and prices",
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