{
  "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": 116,
        "ranked": true,
        "rankOf": 842,
        "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": "2026-10-09T10:14:14.792000276Z",
          "lastOk": true,
          "lastStatus": 400,
          "lastMs": 446,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 448,
          "p95ms24h": 492,
          "samples24h": 179,
          "samples30d": 179,
          "days": [
            {
              "date": "2026-10-08",
              "probes": 70,
              "ok": 70
            },
            {
              "date": "2026-10-09",
              "probes": 109,
              "ok": 109
            }
          ]
        },
        "vendorStatus": {
          "page": "https://status.tryfinch.com",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-09T10:10:56.780629217Z"
        },
        "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": "2026-10-09T10:14:14.792000276Z"
      }
    },
    "answer": "Finch scores 71.6 (BB) on agent readiness against Worklio's 38.6 (E), and leads in every scored category.",
    "b": {
      "slug": "worklio",
      "name": "Worklio",
      "vendor": "Worklio, Inc.",
      "vendorUrl": "https://www.worklio.com",
      "kind": "http-api",
      "category": "payroll",
      "summary": "Embedded US payroll from Worklio, Inc. for software platforms, PEOs and payroll bureaus. A partner's backend creates companies and workers, runs payroll in steps and reads tax forms through a REST API, with white-label screens as an alternative.",
      "url": "https://www.anchorterminal.com/tools/worklio",
      "markdownUrl": "https://www.anchorterminal.com/tools/worklio.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/worklio.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/worklio.json",
      "license": "Proprietary service. The public Terms of Use date from 2014 and the partner agreement isn't public. The front-end library sits in a private repository",
      "transports": [
        "http"
      ],
      "remoteUrl": "https://api.worklio.com",
      "packages": [],
      "auth": "oauth",
      "authNotes": "Every call takes a bearer JWT from `POST https://api.worklio.com/connect/token`. In the sandbox a developer registers at apiweb.worklio.com/RegisterDeveloper and uses the password grant with the account's username and password, scope `api`, and a client secret the docs print and describe as shared by all sandbox users. Tokens last 24 hours. Browser apps use an OpenID Connect redirect flow through `@worklio/sdk`, which isn't published and is requested from support. Production credentials, single sign-on and allowed origins are set up by Worklio. A System user has full rights over every company it created. This is embedded-payroll partner access, with no route into an employer's payroll account elsewhere.",
      "pricing": "paid",
      "pricingNotes": "A partner's price is set in its agreement and isn't public. The partner pages publish retail list prices per person per month ($10 for Full-Service Payroll, $81 for all 19 modules) and call them illustrative, not a quote, with base, setup and per-use fees excluded. The sandbox is self-serve after developer registration, so an agent's owner can start without a contract. Whether registration asks for a card was not read, because apiweb.worklio.com disallows crawlers (checked 2026-10-09).",
      "priceSummary": "Paid",
      "where": "hosted",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 in the docs index, the reference pages read or the website (checked 2026-10-09).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-09"
      },
      "docsUrl": "https://apidocs.worklio.com/docs/overview",
      "llmsTxt": "https://apidocs.worklio.com/llms.txt",
      "capabilities": [
        "payroll.run",
        "payroll.embedded",
        "payroll.employees",
        "payroll.tax-filing",
        "payroll.contractors"
      ],
      "tags": [
        "hosted",
        "closed-source",
        "oauth",
        "openapi",
        "llms-txt",
        "webhooks",
        "sandbox",
        "partner-access",
        "soc2",
        "iso27001"
      ],
      "lastRelease": "2026-06-30",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 38.6,
        "grade": "E",
        "agentReady": false,
        "rank": 812,
        "ranked": true,
        "rankOf": 842,
        "categoryRank": 10,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 44,
          "maintenance": 25,
          "payments": 25,
          "reliability": 25,
          "schema": 71,
          "security": 48,
          "transparency": 48
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-09"
        },
        "negative": -3,
        "negativeNotes": [
          "30 June 2026. The changelog entry that announces the reworked Time-Off Requests API says the older `timeoffrequests` routes were replaced by hyphenated routes and tells integrators to update, in the same note and with no earlier notice found. Whether partners were told privately is unknown, so the smallest deduction applies (-3). https://apidocs.worklio.com/changelog/v1-api-updates"
        ],
        "verdict": "Worklio documents 853 REST operations with an OpenAPI fragment on every reference page, and a developer can register for the sandbox without a sales call. No rate limits or public SDK were found, the status page is password protected, and the payroll guide tells callers to treat an HTTP 500 as the signal to finalise.",
        "bestFor": "A software platform, PEO or payroll bureau that wants to sell US payroll under its own brand and can sign a partner agreement, with Worklio handling tax filing and money movement.",
        "strengths": [
          "853 documented operations across 17 API groups, each reference page carrying an OpenAPI 3.0.4 fragment, plus llms.txt and a Markdown copy of every docs page",
          "Sandbox access is self-serve. A developer registers, uses a shared sandbox client secret printed in the docs and gets a bearer token",
          "A payroll run moves through steps with next, previous, discard, lock and finalise calls, and starting a scheduled run twice returns the same run",
          "Every operation states which user levels may call it (System, Admin, ClientAdmin, Employee, or anonymous with a link token)",
          "The security page claims SOC 2 Type 2, ISO 27001, ISO 27018 and ISO 9001, with third-party penetration testing"
        ],
        "weaknesses": [
          "No rate limits, 429 handling or idempotency keys were found in the reviewed documentation",
          "status.worklio.com asks for a password, so no public incident history exists",
          "The Run Payroll guide says the `next` call answers HTTP 500 with an untranslated message when a run is ready to finalise",
          "No public SDK. `@worklio/sdk` and the component library sit in a private repository granted through support",
          "The public Terms of Use are dated 21 December 2014 and describe a small-business HR site. The partner agreement and production prices aren't public"
        ],
        "agentNotes": [
          "Send `api-version: 2.0` on `/wep` calls. The reference marks the header as required",
          "Get a token from `POST https://api.worklio.com/connect/token` with the password grant and scope `api`. It lasts 24 hours, so fetch a new one daily",
          "Run payroll as start, `next` until it answers 500 with \"Next step operation is not allowed\", then `finalize`. Don't treat that 500 as a failure",
          "Don't retry bonus, off-cycle, void or termination payroll starts blindly. The reference says those calls are not idempotent",
          "Most `/wep` list endpoints return the whole result set. Paging, `filter` and `sort` work only under `/api/public`, and a `DataToken` expires after 60 seconds"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "E",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 38.6
          }
        ],
        "editorialScores": {
          "ergonomics": 44,
          "maintenance": 25,
          "payments": 25,
          "reliability": 25,
          "schema": 71,
          "security": 48,
          "transparency": 28
        },
        "provenanceScore": 67
      },
      "connect": {
        "http": "curl -s -X POST \"https://api.worklio.com/connect/token\" \\\n  -H \"accept: application/json\" \\\n  -H \"content-type: application/x-www-form-urlencoded\" \\\n  --data-urlencode \"grant_type=password\" \\\n  --data-urlencode \"username=$WORKLIO_USERNAME\" \\\n  --data-urlencode \"password=$WORKLIO_PASSWORD\" \\\n  --data-urlencode \"scope=api\" \\\n  --data-urlencode \"client_id=wep_resourceowner.public.api\" \\\n  --data-urlencode \"client_secret=$WORKLIO_CLIENT_SECRET\""
      },
      "letme": {
        "capability": "https://letme.dev/payroll.run",
        "tool": "https://letme.dev/worklio"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Worklio, Inc.",
        "domain": "worklio.com",
        "domainRegistered": "2015-03-10",
        "endpointOnVendorDomain": true,
        "terms": "",
        "privacy": "https://www.worklio.com/privacy",
        "statusPage": "",
        "changelog": "https://apidocs.worklio.com/changelog",
        "securityTxt": "none",
        "checked": "2026-10-09",
        "notes": [
          "The site footer reads \"© 2026 Worklio, Inc.\". The about page says Worklio LLC was established in 2017. No postal address was found on the pages read.",
          "No terms link is given. The only public terms are the Terms of Use at www.worklio.com/terms, last updated 21 December 2014, which describe an HR site for small businesses and predate the embedded API. The partner agreement that governs API use isn't public.",
          "www.worklio.com/privacy embeds a policy hosted at www.iubenda.com/privacy-policy/25719508. iubenda's robots.txt disallows that path, so the policy text was not read.",
          "status.worklio.com exists (an UptimeRobot page) and answers \"This status page is password protected\", so it is not recorded as a public status page.",
          "www.worklio.com/.well-known/security.txt returns 404.",
          "The changelog holds two entries, both dated 30 June 2026.",
          "RDAP for worklio.com gives a registration date of 2015-03-10."
        ],
        "score": 67
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/worklio.json",
      "live": {
        "slug": "worklio",
        "probe": {
          "target": "https://api.worklio.com",
          "method": "get",
          "lastAt": "2026-10-09T10:14:32.874135866Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 457,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 468,
          "p95ms24h": 504,
          "samples24h": 28,
          "samples30d": 28,
          "days": [
            {
              "date": "2026-10-09",
              "probes": 28,
              "ok": 28
            }
          ]
        },
        "updatedAt": "2026-10-09T10:14:32.874135866Z"
      }
    },
    "facts": [
      {
        "a": "HTTP API",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Profound Platform Inc. (dba Finch)",
        "b": "Worklio, Inc.",
        "name": "Vendor"
      },
      {
        "a": "https://api.tryfinch.com",
        "b": "https://api.worklio.com",
        "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. The public Terms of Use date from 2014 and the partner agreement isn't public. The front-end library sits in a private repository",
        "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": "2026-06-30",
        "name": "Last release"
      },
      {
        "a": "2026-08-07",
        "b": "no document linked",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "couldn't be read",
        "name": "Privacy policy last updated"
      },
      {
        "a": "not found in the text",
        "b": "",
        "name": "Customer content may train models"
      },
      {
        "a": "not found in the text",
        "b": "",
        "name": "Terms restrict automated access"
      },
      {
        "a": "yes",
        "b": "",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "not found in the text",
        "b": "",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "not found in the text",
        "b": "",
        "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 Worklio's 38.6 (E), and leads in every scored category.",
        "question": "Which is better for AI agents, Finch or Worklio?"
      },
      {
        "answer": "Both use an OAuth sign-in.",
        "question": "Do Finch and Worklio need an API key?"
      },
      {
        "answer": "Yes. Finch has a hosted endpoint at https://api.tryfinch.com and Worklio at https://api.worklio.com.",
        "question": "Can an agent call Finch and Worklio without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Reliability, 84 against 25",
          "Schema \u0026 documentation, 87 against 71",
          "Agent ergonomics, 71 against 44",
          "Security \u0026 auth, 66 against 48",
          "Payments \u0026 pricing, 30 against 25",
          "Maintenance \u0026 community, 84 against 25",
          "Transparency \u0026 trust, 74 against 48"
        ],
        "also": [
          "Agent-ready, a grade of BB or better",
          "Runs on your own machine",
          "No incidents deducted, where Worklio loses 3 points for them"
        ],
        "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": "A software platform, PEO or payroll bureau that wants to sell US payroll under its own brand and can sign a partner agreement, with Worklio handling tax filing and money movement.",
        "slug": "worklio",
        "watchFor": "No rate limits, 429 handling or idempotency keys were found in the reviewed documentation"
      }
    ],
    "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"
      },
      {
        "json": "https://www.anchorterminal.com/compare/argyle-vs-worklio.json",
        "title": "Argyle vs Worklio",
        "url": "https://www.anchorterminal.com/compare/argyle-vs-worklio"
      },
      {
        "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-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-zeal.json",
        "title": "Finch vs Zeal",
        "url": "https://www.anchorterminal.com/compare/finch-vs-zeal"
      },
      {
        "json": "https://www.anchorterminal.com/compare/paychex-vs-worklio.json",
        "title": "Paychex vs Worklio",
        "url": "https://www.anchorterminal.com/compare/paychex-vs-worklio"
      },
      {
        "json": "https://www.anchorterminal.com/compare/check-payroll-vs-worklio.json",
        "title": "Check vs Worklio",
        "url": "https://www.anchorterminal.com/compare/check-payroll-vs-worklio"
      },
      {
        "json": "https://www.anchorterminal.com/compare/employment-hero-vs-worklio.json",
        "title": "Employment Hero Payroll vs Worklio",
        "url": "https://www.anchorterminal.com/compare/employment-hero-vs-worklio"
      },
      {
        "json": "https://www.anchorterminal.com/compare/everee-vs-worklio.json",
        "title": "Everee vs Worklio",
        "url": "https://www.anchorterminal.com/compare/everee-vs-worklio"
      },
      {
        "json": "https://www.anchorterminal.com/compare/gusto-vs-worklio.json",
        "title": "Gusto vs Worklio",
        "url": "https://www.anchorterminal.com/compare/gusto-vs-worklio"
      },
      {
        "json": "https://www.anchorterminal.com/compare/salsa-vs-worklio.json",
        "title": "Salsa vs Worklio",
        "url": "https://www.anchorterminal.com/compare/salsa-vs-worklio"
      },
      {
        "json": "https://www.anchorterminal.com/compare/worklio-vs-zeal.json",
        "title": "Worklio vs Zeal",
        "url": "https://www.anchorterminal.com/compare/worklio-vs-zeal"
      }
    ],
    "scores": [
      {
        "by": 59,
        "edge": "finch",
        "finch": 84,
        "key": "reliability",
        "name": "Reliability",
        "weight": 16,
        "worklio": 25
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 16,
        "edge": "finch",
        "finch": 87,
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "weight": 13,
        "worklio": 71
      },
      {
        "by": 27,
        "edge": "finch",
        "finch": 71,
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "weight": 13,
        "worklio": 44
      },
      {
        "by": 18,
        "edge": "finch",
        "finch": 66,
        "key": "security",
        "name": "Security \u0026 auth",
        "weight": 14,
        "worklio": 48
      },
      {
        "by": 5,
        "edge": "finch",
        "finch": 30,
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "weight": 10,
        "worklio": 25
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 59,
        "edge": "finch",
        "finch": 84,
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "weight": 7,
        "worklio": 25
      },
      {
        "by": 26,
        "edge": "finch",
        "finch": 74,
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "weight": 7,
        "worklio": 48
      }
    ],
    "summary": "Finch scores 71.6 (BB) on agent readiness against Worklio's 38.6 (E), and leads in every scored category. 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.",
      "worklio": "Worklio documents 853 REST operations with an OpenAPI fragment on every reference page, and a developer can register for the sandbox without a sales call. No rate limits or public SDK were found, the status page is password protected, and the payroll guide tells callers to treat an HTTP 500 as the signal to finalise."
    }
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  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/finch-vs-worklio",
    "json": "https://www.anchorterminal.com/compare/finch-vs-worklio.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/finch-vs-worklio.md",
    "slim": "https://www.anchorterminal.com/compare/finch-vs-worklio.min.md"
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  "markdown": "Finch scores 71.6 (BB) on agent readiness against Worklio's 38.6 (E), and leads in every scored category. Both do payroll employees.\n\n- Finch: grade BB, 71.6/100, rank #116 of 842. Markdown https://www.anchorterminal.com/tools/finch.md · JSON https://www.anchorterminal.com/api/v1/tools/finch.json\n- Worklio: grade E, 38.6/100, rank #812 of 842. Markdown https://www.anchorterminal.com/tools/worklio.md · JSON https://www.anchorterminal.com/api/v1/tools/worklio.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 25\n- Schema \u0026 documentation, 87 against 71\n- Agent ergonomics, 71 against 44\n- Security \u0026 auth, 66 against 48\n- Payments \u0026 pricing, 30 against 25\n- Maintenance \u0026 community, 84 against 25\n- Transparency \u0026 trust, 74 against 48\n\nAlso in its favour:\n- Agent-ready, a grade of BB or better\n- Runs on your own machine\n- No incidents deducted, where Worklio loses 3 points for them\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### Worklio (E)\n\nGood for: A software platform, PEO or payroll bureau that wants to sell US payroll under its own brand and can sign a partner agreement, with Worklio handling tax filing and money movement.\n\nWatch for: No rate limits, 429 handling or idempotency keys were found in the reviewed documentation\n\n\n## Score by category\n\n| Category | Weight | Finch | Worklio | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 84 | 25 | Finch +59 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 87 | 71 | Finch +16 |\n| Agent ergonomics | 13% (16.2 this run) | 71 | 44 | Finch +27 |\n| Security \u0026 auth | 14% (17.5 this run) | 66 | 48 | Finch +18 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 30 | 25 | Finch +5 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 84 | 25 | Finch +59 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 74 | 48 | Finch +26 |\n| Negative events | ≤15 | 0 | -3 | |\n| **Total** | | **71.6 · BB** | **38.6 · E** | |\n\n## Facts side by side\n\n| Fact | Finch | Worklio |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Profound Platform Inc. (dba Finch) | Worklio, Inc. |\n| Hosted endpoint | `https://api.tryfinch.com` | `https://api.worklio.com` |\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. The public Terms of Use date from 2014 and the partner agreement isn't public. The front-end library sits in a private repository |\n| Tools exposed | 2 | none |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-10-05 | 2026-06-30 |\n| Terms last updated | 2026-08-07 | no document linked |\n| Privacy policy last updated | no date given | couldn't be read |\n| Customer content may train models | not found in the text |  |\n| Terms restrict automated access | not found in the text |  |\n| Terms restrict benchmarking | yes |  |\n| Terms or service can change without notice | not found in the text |  |\n| Arbitration or class-action waiver | 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**Worklio.** Worklio documents 853 REST operations with an OpenAPI fragment on every reference page, and a developer can register for the sandbox without a sales call. No rate limits or public SDK were found, the status page is password protected, and the payroll guide tells callers to treat an HTTP 500 as the signal to finalise.\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### Worklio\n\n1. Send `api-version: 2.0` on `/wep` calls. The reference marks the header as required\n2. Get a token from `POST https://api.worklio.com/connect/token` with the password grant and scope `api`. It lasts 24 hours, so fetch a new one daily\n3. Run payroll as start, `next` until it answers 500 with \"Next step operation is not allowed\", then `finalize`. Don't treat that 500 as a failure\n4. Don't retry bonus, off-cycle, void or termination payroll starts blindly. The reference says those calls are not idempotent\n5. Most `/wep` list endpoints return the whole result set. Paging, `filter` and `sort` work only under `/api/public`, and a `DataToken` expires after 60 seconds\n\n## Questions\n\n### Which is better for AI agents, Finch or Worklio?\n\nFinch scores 71.6 (BB) on agent readiness against Worklio's 38.6 (E), and leads in every scored category.\n\n### Do Finch and Worklio need an API key?\n\nBoth use an OAuth sign-in.\n\n### Can an agent call Finch and Worklio without installing anything?\n\nYes. Finch has a hosted endpoint at https://api.tryfinch.com and Worklio at https://api.worklio.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/finch-vs-worklio.json, and with the fewest tokens: https://www.anchorterminal.com/compare/finch-vs-worklio.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"finch\", \"b\": \"worklio\"}`. From a terminal: `anchor compare finch worklio`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/finch.json and https://www.anchorterminal.com/api/v1/tools/worklio.json\n\n## Other comparisons with Finch or Worklio\n\n- [Argyle vs Finch](https://www.anchorterminal.com/compare/argyle-vs-finch.md)\n- [Argyle vs Worklio](https://www.anchorterminal.com/compare/argyle-vs-worklio.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 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 Zeal](https://www.anchorterminal.com/compare/finch-vs-zeal.md)\n- [Paychex vs Worklio](https://www.anchorterminal.com/compare/paychex-vs-worklio.md)\n- [Check vs Worklio](https://www.anchorterminal.com/compare/check-payroll-vs-worklio.md)\n- [Employment Hero Payroll vs Worklio](https://www.anchorterminal.com/compare/employment-hero-vs-worklio.md)\n- [Everee vs Worklio](https://www.anchorterminal.com/compare/everee-vs-worklio.md)\n- [Gusto vs Worklio](https://www.anchorterminal.com/compare/gusto-vs-worklio.md)\n- [Salsa vs Worklio](https://www.anchorterminal.com/compare/salsa-vs-worklio.md)\n- [Worklio vs Zeal](https://www.anchorterminal.com/compare/worklio-vs-zeal.md)\n",
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    "description": "Finch scores 71.6 (BB) on agent readiness against Worklio's 38.6 (E), and leads in every scored category. Both do payroll employees. Category scores, facts, verdicts and agent notes side by side.",
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    "title": "Finch vs Worklio for AI agents, BB 71.6 vs E 38.6 | Anchor Terminal",
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