# Finch vs Salsa

> Finch scores 71.6 (BB) on agent readiness against Salsa's 46.1 (D), and leads in every scored category. Both do payroll employees. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/finch-vs-salsa
- Markdown: https://www.anchorterminal.com/compare/finch-vs-salsa.md (~2,200 tokens)
- Slim: https://www.anchorterminal.com/compare/finch-vs-salsa.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/finch-vs-salsa.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-08

Finch scores 71.6 (BB) on agent readiness against Salsa's 46.1 (D), and leads in every scored category. Both do payroll employees.

- 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
- Salsa: grade D, 46.1/100, rank #651 of 722. Markdown https://www.anchorterminal.com/tools/salsa.md · JSON https://www.anchorterminal.com/api/v1/tools/salsa.json

## Which one, for what

### Finch (BB)

Good 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.

Ahead on:
- Reliability, 84 against 36
- Schema & documentation, 87 against 73
- Agent ergonomics, 71 against 48
- Security & auth, 66 against 56
- Payments & pricing, 30 against 5
- Maintenance & community, 84 against 50
- Transparency & trust, 74 against 51

Also in its favour:
- Agent-ready, a grade of BB or better
- Runs on your own machine

Watch for: Finch cannot create, preview or approve a payroll. Writes are limited to deductions and contributions, on Pro and Premier plans

### Salsa (D)

Good for: A software platform that wants to sell payroll to its own business customers and can sign a partner agreement, with Salsa handling tax filing and money movement.

Watch for: API tokens come from Salsa after a sales contact. No self-serve signup, public price, free tier or trial was found


## Score by category

| Category | Weight | Finch | Salsa | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 84 | 36 | Finch +48 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 87 | 73 | Finch +14 |
| Agent ergonomics | 13% (16.2 this run) | 71 | 48 | Finch +23 |
| Security & auth | 14% (17.5 this run) | 66 | 56 | Finch +10 |
| Payments & pricing | 10% (12.5 this run) | 30 | 5 | Finch +25 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 84 | 50 | Finch +34 |
| Transparency & trust | 7% (8.8 this run) | 74 | 51 | Finch +23 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **71.6 · BB** | **46.1 · D** | |

## Facts side by side

| Fact | Finch | Salsa |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Profound Platform Inc. (dba Finch) | Salsa Software Inc. |
| Hosted endpoint | `https://api.tryfinch.com` | `https://api.salsa.dev/api/rest/v1` |
| Transports | HTTP, stdio | HTTP |
| Auth | OAuth | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under Finch's Master Service Agreement. The SDKs and the MCP server on GitHub are Apache-2.0 | Proprietary service. The website Terms of Use are public and the partner agreement isn't. The browser library @salsa-payroll/salsa-js on npm is MIT |
| Tools exposed | 2 | none |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-10-05 | 2026-10-07 |
| Terms last updated | 2026-08-07 | 2022-04-07 |
| Privacy policy last updated | no date given | 2025-09-24 |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | not found in the text | yes |
| Terms restrict benchmarking | yes | not found in the text |
| Terms or service can change without notice | not found in the text | yes |
| Arbitration or class-action waiver | not found in the text | yes |
| Popularity | 16k npm/wk, 26k PyPI/wk | 435 npm/wk |

## 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.

**Salsa.** Salsa is reached as an embedded-payroll partner, not through an employer's existing payroll account. The REST API has a public OpenAPI 3.1 spec with 123 operations, a payroll preview, a separate confirm step and short-lived user tokens limited by role. Access starts with a sales conversation, and no public price, self-serve sandbox, status page or API changelog was found.

## Before you call either

### Finch

1. Send `Finch-API-Version: 2020-09-17` and `Authorization: Bearer <access_token>` on every request. A request without the version header fails with 400
2. Call GET /introspect first to see the connection's products, status and whether it is automated or assisted before choosing endpoints
3. 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
4. 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
5. After a deduction write, poll the job by `job_id` until it completes before enrolling individuals. Enrolment overwrites an existing enrolment
6. Start the MCP server with `--code-allow-http-gets` or a token without the benefits product when only reads are intended

### Salsa

1. Use the sandbox token against https://api.sandbox.salsa.dev and the production token against https://api.salsa.dev. Each environment has its own token
2. Call POST /payroll-runs/preview before creating a run, then confirm the PENDING run in a separate call. Confirming starts the employer debit
3. Send your own externalId on every create. A repeat returns a uniqueness error, which is the only duplicate protection
4. Make sure externalId values are unique across all employers, since each entity type has one namespace
5. Mint a user token with the lowest role and the fewest employerIds the task needs, and keep the partner token on the server

## Questions

### Which is better for AI agents, Finch or Salsa?

Finch scores 71.6 (BB) on agent readiness against Salsa's 46.1 (D), and leads in every scored category.

### Do Finch and Salsa need an API key?

Finch uses an OAuth sign-in. Salsa needs an API key.

### Can an agent call Finch and Salsa without installing anything?

Yes. Finch has a hosted endpoint at https://api.tryfinch.com and Salsa at https://api.salsa.dev/api/rest/v1.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/finch-vs-salsa.json, and with the fewest tokens: https://www.anchorterminal.com/compare/finch-vs-salsa.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "finch", "b": "salsa"}`. From a terminal: `anchor compare finch salsa`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/finch.json and https://www.anchorterminal.com/api/v1/tools/salsa.json

## Other comparisons with Finch or Salsa

- [Argyle vs Finch](https://www.anchorterminal.com/compare/argyle-vs-finch.md)
- [Argyle vs Salsa](https://www.anchorterminal.com/compare/argyle-vs-salsa.md)
- [Check vs Finch](https://www.anchorterminal.com/compare/check-payroll-vs-finch.md)
- [Employment Hero Payroll vs Finch](https://www.anchorterminal.com/compare/employment-hero-vs-finch.md)
- [Everee vs Finch](https://www.anchorterminal.com/compare/everee-vs-finch.md)
- [Finch vs Gusto](https://www.anchorterminal.com/compare/finch-vs-gusto.md)
- [Finch vs Paychex](https://www.anchorterminal.com/compare/finch-vs-paychex.md)
- [Finch vs Zeal](https://www.anchorterminal.com/compare/finch-vs-zeal.md)
- [Paychex vs Salsa](https://www.anchorterminal.com/compare/paychex-vs-salsa.md)
- [Check vs Salsa](https://www.anchorterminal.com/compare/check-payroll-vs-salsa.md)
- [Employment Hero Payroll vs Salsa](https://www.anchorterminal.com/compare/employment-hero-vs-salsa.md)
- [Everee vs Salsa](https://www.anchorterminal.com/compare/everee-vs-salsa.md)
- [Gusto vs Salsa](https://www.anchorterminal.com/compare/gusto-vs-salsa.md)
- [Salsa vs Zeal](https://www.anchorterminal.com/compare/salsa-vs-zeal.md)