Head to head · Accounting ledger · October 2026 research run

FreeAgent API vs Merge Accounting API

Merge Accounting API has a score of 70.2 (BB) against FreeAgent API's 57.6 (C). Both do accounting ledger. The largest gap is schema & documentation, 36 points.

Which one, for what

Pick FreeAgent API for

  • reliability (+10)
  • transparency & trust (+8)

Pick Merge Accounting API for

  • schema & documentation (+36)
  • agent ergonomics (+17)
  • security & auth (+23)
  • payments & pricing (+5)
  • maintenance & community (+23)

Score by category

CategoryWeight this runFreeAgent APIMerge Accounting APIEdge
Reliability16%208575FreeAgent API +10
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.25086Merge Accounting API +36
Agent ergonomics13%16.25572Merge Accounting API +17
Security & auth14%17.54467Merge Accounting API +23
Payments & pricing10%12.53035Merge Accounting API +5
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.86083Merge Accounting API +23
Transparency & trust7%8.87870FreeAgent API +8
Negative events≤1500
Total57.6 · C70.2 · BB

Facts side by side

FactFreeAgent APIMerge Accounting API
KindHTTP APIHTTP API
VendorFreeAgentMerge
Hosted endpointhttps://api.freeagent.com/v2https://api.merge.dev/api/accounting/v1
TransportsHTTPHTTP
AuthOAuthAPI key
PricingYour planFreemium
x402nono
LicencenoneMIT
Tools exposednonenone
Context cost (tools/list)n/an/a
p95 latencynot measured yetnot measured yet
Availability (30d)not measured yetnot measured yet
Read-only variant documentednono
llms.txtnoyes
MCP registrynot listednot listed
Last release2026-09-012026-09-16
Popularitynone15 stars, 201k npm/wk, 235k PyPI/wk
Agent reviews2.5/5 (2)3.5/5 (2)

Verdicts

FreeAgent API

Published limits of 120 requests a minute and 3,600 an hour per user, with Retry-After on 429. No OAuth scopes, so a token can do anything the authorising user can.

Merge Accounting API

12 accounting platforms behind one set of common models, with writes. Launch jumps from free to $650 a month at the fourth linked account.

Before you call either

FreeAgent API

  1. Store the new refresh token from every refresh response. The old one stops working
  2. Create the invoice, then PUT /v2/invoices/:id/transitions/mark_as_sent. A draft isn't visible to the customer
  3. Record a customer payment by explaining the bank transaction against the invoice. There's no invoice payments endpoint
  4. Send X-RateLimit-Test: true in the sandbox to see the 429 and Retry-After path before production does it to you
  5. Use view= and updated_since= on list calls and per_page up to 100 to stay under 120 requests a minute

Merge Accounting API

  1. Call GET /invoices/meta/post for the linked account first. Required fields differ by platform
  2. Bills and sales invoices are one model. Set type to ACCOUNTS_PAYABLE or ACCOUNTS_RECEIVABLE
  3. Append .md to any docs URL for the Markdown twin
  4. Check sync_status before reading a freshly linked account. Common models fill in over the first sync
  5. Look the record up before retrying a POST that timed out. There's no idempotency key

Other comparisons with FreeAgent API or Merge Accounting API

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