# Finch vs Zeal

> Finch scores 71.6 (BB) on agent readiness against Zeal's 45.4 (E), 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-zeal
- Markdown: https://www.anchorterminal.com/compare/finch-vs-zeal.md (~2,200 tokens)
- Slim: https://www.anchorterminal.com/compare/finch-vs-zeal.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/finch-vs-zeal.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: 2026-10-09

Finch scores 71.6 (BB) on agent readiness against Zeal's 45.4 (E), 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
- Zeal: grade E, 45.4/100, rank #658 of 722. Markdown https://www.anchorterminal.com/tools/zeal.md · JSON https://www.anchorterminal.com/api/v1/tools/zeal.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 42
- Schema & documentation, 87 against 68
- Agent ergonomics, 71 against 63
- Security & auth, 66 against 34
- Payments & pricing, 30 against 0
- Maintenance & community, 84 against 61
- 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

### Zeal (E)

Good for: A US staffing platform, marketplace or workforce product that will sign a partnership and run payroll for many employers under its own brand, including daily and on-demand pay.

Watch for: No self-serve signup. Zeal's team creates the partner account after a demo request, and no price is published


## Score by category

| Category | Weight | Finch | Zeal | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 84 | 42 | Finch +42 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 87 | 68 | Finch +19 |
| Agent ergonomics | 13% (16.2 this run) | 71 | 63 | Finch +8 |
| Security & auth | 14% (17.5 this run) | 66 | 34 | Finch +32 |
| Payments & pricing | 10% (12.5 this run) | 30 | 0 | Finch +30 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 84 | 61 | Finch +23 |
| Transparency & trust | 7% (8.8 this run) | 74 | 51 | Finch +23 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **71.6 · BB** | **45.4 · E** | |

## Facts side by side

| Fact | Finch | Zeal |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Profound Platform Inc. (dba Finch) | Puzzl Group Inc. |
| Hosted endpoint | `https://api.tryfinch.com` | `https://api.zeal.com` |
| 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 npm SDK declares MIT. The SDK repositories on GitHub carry no licence file |
| Tools exposed | 2 | none |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-10-05 | 2026-07-31 |
| Terms last updated | 2026-08-07 | 2026-01-16 |
| Privacy policy last updated | no date given | 2026-01-16 |
| 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 | not found in the text |
| Popularity | 16k npm/wk, 26k PyPI/wk | 0 stars, 8 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.

**Zeal.** Graded on the partner REST API at api.zeal.com, which is the only access route. Three OpenAPI specs, llms.txt, a test environment that moves no money, a preview endpoint and a per-cheque approval flag are documented. Access starts with a demo request, prices are not published, each environment has one unscoped key, and no status page or working 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

### Zeal

1. Use the Test API key until a person has approved live payroll. Error code 0 (403) means the account has no production access
2. Send `companyID` on almost every call and `partnerID` on partner-level calls, in the body for POST and PATCH and the query for GET
3. Create cheques with `approval_required: true`, run POST /preview/checks, then PATCH /employeeCheck with `approved: true`. Without the flag Zeal processes pending cheques automatically
4. Send `x-idempotency-key` on every create so a retry within 24 hours doesn't pay twice
5. Previews and reports are jobs. Keep the `job_id` and poll GET /preview or GET /reports, or wait for the Job Queue webhook
6. Check dates must be bank days and submitted before 2 PM Pacific two bank days ahead, or the call fails with code 89

## Questions

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

Finch scores 71.6 (BB) on agent readiness against Zeal's 45.4 (E), and leads in every scored category.

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

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

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

Yes. Finch has a hosted endpoint at https://api.tryfinch.com and Zeal at https://api.zeal.com.


## For agents

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

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