{
  "data": {
    "a": {
      "slug": "freeagent",
      "name": "FreeAgent API",
      "vendor": "FreeAgent",
      "vendorUrl": "https://dev.freeagent.com",
      "kind": "http-api",
      "category": "accounting",
      "summary": "REST API for FreeAgent, the UK small-business accounting product owned by NatWest Group.",
      "url": "https://www.anchorterminal.com/tools/freeagent",
      "markdownUrl": "https://www.anchorterminal.com/tools/freeagent.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/freeagent.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/freeagent.json",
      "transports": [
        "http"
      ],
      "remoteUrl": "https://api.freeagent.com/v2",
      "packages": [],
      "auth": "oauth",
      "authNotes": "OAuth 2.0 authorisation code. Register an app in the developer dashboard for an OAuth identifier and secret. Access tokens last one hour, and each refresh returns a new access token and a new refresh token, so store the replacement. One token per FreeAgent user who authorised the app. The same flow works against the sandbox at api.sandbox.freeagent.com.",
      "pricing": "byo-plan",
      "pricingNotes": "The API is free under section 4.1 of the API terms, with 30 days' notice before any fee is introduced. A live company needs a FreeAgent subscription, listed at £33 a month for a limited company on freeagent.com, or free with a NatWest, Royal Bank of Scotland, Ulster Bank or Mettle business account. The sandbox is a free temporary account at signup.sandbox.freeagent.com (https://dev.freeagent.com/docs/api_terms).",
      "priceSummary": "Your plan",
      "where": "hosted",
      "x402": {
        "level": "no",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-09-30"
      },
      "docsUrl": "https://dev.freeagent.com/docs",
      "capabilities": [
        "accounting.ledger",
        "accounting.invoices",
        "accounting.bills",
        "accounting.reports"
      ],
      "tags": [
        "hosted",
        "byo-plan",
        "free-tier",
        "oauth",
        "uk",
        "status-page",
        "closed-source"
      ],
      "lastRelease": "2026-09-01",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 57.6,
        "grade": "C",
        "agentReady": false,
        "rank": 291,
        "ranked": true,
        "rankOf": 452,
        "categoryRank": 4,
        "methodology": "0.3",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 55,
          "maintenance": 60,
          "payments": 30,
          "reliability": 85,
          "schema": 50,
          "security": 44,
          "transparency": 78
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-01"
        },
        "negative": 0,
        "verdict": "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.",
        "strengths": [
          "Published limits of 120 requests a minute and 3,600 an hour per user, with Retry-After on 429",
          "X-RateLimit-Test header that lowers the sandbox to 5 requests a minute for testing back-off",
          "API free under section 4.1 of the terms, with 30 days' notice before any fee",
          "Free sandbox with its own sign-up and API host",
          "Valid security.txt, a disclosure policy and Cyber Essentials Plus"
        ],
        "weaknesses": [
          "No OAuth scopes, so a token can do anything the authorising user can",
          "No OpenAPI spec, SDK, llms.txt or official MCP server",
          "Error responses aren't documented beyond the 429",
          "UK only, so VAT, MTD and HMRC filings are the tax model",
          "API terms bar migrating data to a competitor and using the API for benchmarking or comparison"
        ],
        "agentNotes": [
          "Store the new refresh token from every refresh response. The old one stops working",
          "Create the invoice, then PUT /v2/invoices/:id/transitions/mark_as_sent. A draft isn't visible to the customer",
          "Record a customer payment by explaining the bank transaction against the invoice. There's no invoice payments endpoint",
          "Send X-RateLimit-Test: true in the sandbox to see the 429 and Retry-After path before production does it to you",
          "Use view= and updated_since= on list calls and per_page up to 100 to stay under 120 requests a minute"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 2,
        "avgRating": 2.5,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "C",
            "methodology": "0.3",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 57.6
          }
        ],
        "editorialScores": {
          "ergonomics": 55,
          "maintenance": 60,
          "payments": 30,
          "reliability": 85,
          "schema": 50,
          "security": 44,
          "transparency": 55
        },
        "provenanceScore": 100
      },
      "connect": {
        "http": "curl \"https://api.freeagent.com/v2/invoices?view=open\" \\\n  -H \"Authorization: Bearer $FREEAGENT_ACCESS_TOKEN\" -H \"Accept: application/json\""
      },
      "letme": {
        "capability": "https://letme.dev/accounting.ledger",
        "tool": "https://letme.dev/freeagent"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "FreeAgent Central Limited",
        "domain": "freeagent.com",
        "domainRegistered": "1999-04-15",
        "endpointOnVendorDomain": true,
        "terms": "https://dev.freeagent.com/docs/api_terms",
        "privacy": "https://www.freeagent.com/privacy/",
        "statusPage": "https://status.freeagent.com",
        "changelog": "https://dev.freeagent.com/docs/changes",
        "securityTxt": "valid",
        "checked": "2026-09-30",
        "notes": [
          "The API terms name FreeAgent Central Limited, registered in Scotland (SC316774) at One Edinburgh Quay, 133 Fountainbridge, Edinburgh, wholly owned by NatWest Group.",
          "security.txt at www.freeagent.com expires 2027-04-17 and points to a disclosure policy.",
          "The terms let FreeAgent introduce API fees on 30 days' notice."
        ],
        "score": 100
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/freeagent.json",
      "live": {
        "slug": "freeagent",
        "probe": {
          "target": "https://api.freeagent.com/v2",
          "method": "get",
          "lastAt": "2026-10-04T23:48:08.613598733Z",
          "lastOk": true,
          "lastStatus": 400,
          "lastMs": 60,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 64,
          "p95ms24h": 97,
          "samples24h": 272,
          "samples30d": 898,
          "days": [
            {
              "date": "2026-10-01",
              "probes": 109,
              "ok": 109
            },
            {
              "date": "2026-10-02",
              "probes": 248,
              "ok": 248
            },
            {
              "date": "2026-10-03",
              "probes": 271,
              "ok": 271
            },
            {
              "date": "2026-10-04",
              "probes": 270,
              "ok": 270
            }
          ]
        },
        "vendorStatus": {
          "page": "https://status.freeagent.com",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-04T23:49:14.797234868Z"
        },
        "securityTxt": {
          "url": "https://freeagent.com/.well-known/security.txt",
          "state": "valid",
          "expires": "2027-04-17T12:00:00.000Z",
          "checkedAt": "2026-10-04T15:16:05.554333751Z"
        },
        "domain": {
          "domain": "freeagent.com",
          "registered": "1999-04-15",
          "source": "https://rdap.verisign.com/com/v1/domain/freeagent.com",
          "checkedAt": "2026-10-04T13:09:45.721300128Z"
        },
        "pages": [
          {
            "url": "https://dev.freeagent.com/docs/changes",
            "kind": "changelog",
            "status": 200,
            "checkedAt": "2026-10-04T15:42:25.757492175Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "bcc7787d161d"
          },
          {
            "url": "https://www.freeagent.com/privacy/",
            "kind": "privacy",
            "status": 304,
            "checkedAt": "2026-10-04T15:50:18.517205932Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "12e01f7684e7"
          },
          {
            "url": "https://dev.freeagent.com/docs/api_terms",
            "kind": "terms",
            "status": 200,
            "checkedAt": "2026-10-04T15:42:23.701205568Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "ca4e227eec74"
          }
        ],
        "updatedAt": "2026-10-04T23:49:14.797234868Z"
      }
    },
    "b": {
      "slug": "merge-accounting",
      "name": "Merge Accounting API",
      "vendor": "Merge",
      "vendorUrl": "https://www.merge.dev",
      "kind": "http-api",
      "category": "accounting",
      "summary": "Unified accounting API for invoices, payments, expenses, journal entries and financial statements across platforms including QuickBooks, Xero and NetSuite.",
      "url": "https://www.anchorterminal.com/tools/merge-accounting",
      "markdownUrl": "https://www.anchorterminal.com/tools/merge-accounting.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/merge-accounting.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/merge-accounting.json",
      "repo": "https://github.com/merge-api/merge-python-client",
      "license": "MIT",
      "transports": [
        "http"
      ],
      "remoteUrl": "https://api.merge.dev/api/accounting/v1",
      "packages": [
        {
          "registry": "pypi",
          "name": "MergePythonClient"
        },
        {
          "registry": "npm",
          "name": "@mergeapi/merge-node-client"
        }
      ],
      "auth": "api-key",
      "authNotes": "Two headers on every call. `Authorization: Bearer \u003cAPI key\u003e` from the Merge dashboard (production or test keys) and `X-Account-Token` for the linked account, issued when a user finishes the Merge Link flow. There's an EU host at api-eu.merge.dev. Merge holds the OAuth tokens for the accounting platform, so your agent never sees them.",
      "pricing": "freemium",
      "pricingNotes": "The first 3 production linked accounts are free with no card. Launch is $650 a month for up to 10 production linked accounts and $65 a month for each one beyond that, with 100 requests a minute per linked account, up to 3 test linked accounts, sandbox accounts for the first 60 days and 3 days of logs. Professional (400 a minute, unlimited test linked accounts, sandbox accounts for the first 60 days, 30 days of logs, field-level scopes) and Enterprise (600 a minute, unlimited sandboxes, 90 days or more of logs, support and uptime SLAs) are priced on contract (https://www.merge.dev/pricing).",
      "priceSummary": "$650 / mo",
      "where": "hosted",
      "x402": {
        "level": "no",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": 15,
        "npmWeekly": 201025,
        "pypiWeekly": 234550,
        "asOf": "2026-09-30"
      },
      "docsUrl": "https://docs.merge.dev/merge-unified/accounting/overview",
      "llmsTxt": "https://docs.merge.dev/llms.txt",
      "openapi": "https://docs.merge.dev/openapi/accounting.json",
      "capabilities": [
        "accounting.unified",
        "accounting.ledger",
        "accounting.invoices",
        "accounting.bills",
        "accounting.reports"
      ],
      "tags": [
        "hosted",
        "freemium",
        "free-tier",
        "llms-txt",
        "openapi",
        "typescript",
        "python",
        "webhooks",
        "eu",
        "enterprise",
        "status-page",
        "closed-source"
      ],
      "lastRelease": "2026-09-16",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 70.2,
        "grade": "BB",
        "agentReady": true,
        "rank": 100,
        "ranked": true,
        "rankOf": 452,
        "categoryRank": 2,
        "methodology": "0.3",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 72,
          "maintenance": 83,
          "payments": 35,
          "reliability": 75,
          "schema": 86,
          "security": 67,
          "transparency": 70
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-01"
        },
        "negative": 0,
        "verdict": "12 accounting platforms behind one set of common models, with writes. Launch jumps from free to $650 a month at the fourth linked account.",
        "strengths": [
          "12 accounting platforms behind one set of common models, with writes",
          "Three production linked accounts free with no card",
          "llms.txt, Markdown twins of every docs page and a JSON OpenAPI spec",
          "Rate limits per linked account, so one busy customer doesn't starve the rest",
          "SOC 2 Type 2, ISO 27001:2022 and an EU host at api-eu.merge.dev"
        ],
        "weaknesses": [
          "Launch jumps from free to $650 a month at the fourth linked account",
          "No documented 429 handling, idempotency keys or safe-retry guidance for writes",
          "Merge's own MCP server for the Unified API has been idle since 0.1.4 in April 2025",
          "No deprecation policy, and the Python SDK shipped two major versions between May and July 2026",
          "Only 3 days of request logs on Launch"
        ],
        "agentNotes": [
          "Call GET /invoices/meta/post for the linked account first. Required fields differ by platform",
          "Bills and sales invoices are one model. Set type to ACCOUNTS_PAYABLE or ACCOUNTS_RECEIVABLE",
          "Append .md to any docs URL for the Markdown twin",
          "Check sync_status before reading a freshly linked account. Common models fill in over the first sync",
          "Look the record up before retrying a POST that timed out. There's no idempotency key"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 2,
        "avgRating": 3.5,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "BB",
            "methodology": "0.3",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 70.2
          }
        ],
        "editorialScores": {
          "ergonomics": 72,
          "maintenance": 83,
          "payments": 35,
          "reliability": 75,
          "schema": 86,
          "security": 67,
          "transparency": 54
        },
        "provenanceScore": 86
      },
      "connect": {
        "http": "curl \"https://api.merge.dev/api/accounting/v1/invoices?type=ACCOUNTS_RECEIVABLE\u0026page_size=10\" \\\n  -H \"Authorization: Bearer $MERGE_API_KEY\" -H \"X-Account-Token: $MERGE_ACCOUNT_TOKEN\""
      },
      "letme": {
        "capability": "https://letme.dev/accounting.unified",
        "tool": "https://letme.dev/merge-accounting"
      },
      "area": "domain-data",
      "unitPrices": [
        {
          "item": "Launch plan",
          "unit": "month",
          "usd": 650,
          "note": "Up to 10 production linked accounts, first 3 free"
        },
        {
          "item": "Additional linked account on Launch",
          "unit": "account-month",
          "usd": 65
        }
      ],
      "provenance": {
        "legalEntity": "Merge API, Inc.",
        "domain": "merge.dev",
        "domainRegistered": "2020-02-09",
        "endpointOnVendorDomain": true,
        "terms": "https://www.merge.dev/legal/terms",
        "privacy": "https://www.merge.dev/legal/privacy-policy",
        "statusPage": "https://status.merge.dev",
        "changelog": "https://www.merge.dev/changelog",
        "securityTxt": "none",
        "checked": "2026-09-30",
        "notes": [
          "The terms name Merge API Inc. with California law and arbitration in San Francisco, but give no registered address. The privacy policy was last revised 20 August 2026.",
          "The status page runs on Sorry rather than Statuspage and lists the Unified API, Merge Link, data syncing and Agent Handler as components.",
          "A trust portal at trust.merge.dev holds the security documentation."
        ],
        "score": 86
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/merge-accounting.json",
      "live": {
        "slug": "merge-accounting",
        "probe": {
          "target": "https://api.merge.dev/api/accounting/v1",
          "method": "get",
          "lastAt": "2026-10-04T23:48:11.665834887Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 538,
          "authRequired": false,
          "uptime24h": 99.63,
          "uptime30d": 99.89,
          "p50ms24h": 575,
          "p95ms24h": 2092,
          "samples24h": 272,
          "samples30d": 898,
          "days": [
            {
              "date": "2026-10-01",
              "probes": 109,
              "ok": 109
            },
            {
              "date": "2026-10-02",
              "probes": 248,
              "ok": 248
            },
            {
              "date": "2026-10-03",
              "probes": 271,
              "ok": 271
            },
            {
              "date": "2026-10-04",
              "probes": 270,
              "ok": 269
            }
          ]
        },
        "vendorStatus": {
          "page": "https://status.merge.dev",
          "indicator": "unknown",
          "summary": "no machine-readable status found",
          "checkedAt": "2026-10-04T21:40:14.824420782Z"
        },
        "versions": [
          {
            "registry": "github",
            "name": "merge-api/merge-python-client",
            "version": "v4.2.0",
            "released": "2026-09-16",
            "seenAt": "2026-10-04T16:32:53.27441844Z"
          },
          {
            "registry": "npm",
            "name": "@mergeapi/merge-node-client",
            "version": "4.0.4",
            "seenAt": "2026-10-04T16:32:52.40119992Z"
          },
          {
            "registry": "pypi",
            "name": "MergePythonClient",
            "version": "4.2.0",
            "released": "2026-09-16",
            "seenAt": "2026-10-04T16:32:52.1990559Z"
          }
        ],
        "githubStars": 14,
        "npmWeekly": 212208,
        "pypiWeekly": 197064,
        "securityTxt": {
          "url": "https://merge.dev/.well-known/security.txt",
          "state": "none",
          "checkedAt": "2026-10-04T15:15:41.019057373Z"
        },
        "llmsTxt": {
          "url": "https://docs.merge.dev/llms.txt",
          "ok": true,
          "status": 200,
          "checkedAt": "2026-10-04T15:17:58.879439987Z"
        },
        "domain": {
          "domain": "merge.dev",
          "registered": "2020-02-09",
          "source": "https://pubapi.registry.google/rdap/domain/merge.dev",
          "checkedAt": "2026-10-04T13:08:11.061782068Z"
        },
        "pages": [
          {
            "url": "https://www.merge.dev/changelog",
            "kind": "changelog",
            "status": 304,
            "checkedAt": "2026-10-04T15:51:18.274010452Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "33f2429b9bed"
          },
          {
            "url": "https://www.merge.dev/pricing",
            "kind": "pricing",
            "status": 304,
            "checkedAt": "2026-10-04T15:51:24.300795079Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "7d9e39ad53d3"
          },
          {
            "url": "https://www.merge.dev/legal/privacy-policy",
            "kind": "privacy",
            "status": 304,
            "checkedAt": "2026-10-04T15:51:20.304715164Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "94b13e9b9b9d"
          },
          {
            "url": "https://www.merge.dev/legal/terms",
            "kind": "terms",
            "status": 304,
            "checkedAt": "2026-10-04T15:51:22.299855755Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "d729c69b95ee"
          }
        ],
        "updatedAt": "2026-10-04T23:48:11.665834887Z"
      }
    },
    "summary": "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 \u0026 documentation, 36 points."
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting",
    "json": "https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting.md",
    "slim": "https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting.min.md"
  },
  "markdown": "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 \u0026 documentation, 36 points.\n\n- FreeAgent API: grade C, 57.6/100, rank #291 of 452. Markdown https://www.anchorterminal.com/tools/freeagent.md · JSON https://www.anchorterminal.com/api/v1/tools/freeagent.json\n- Merge Accounting API: grade BB, 70.2/100, rank #100 of 452. Markdown https://www.anchorterminal.com/tools/merge-accounting.md · JSON https://www.anchorterminal.com/api/v1/tools/merge-accounting.json\n\n## Which one, for what\n\nPick FreeAgent API for reliability (+10), transparency \u0026 trust (+8).\n\nPick Merge Accounting API for schema \u0026 documentation (+36), agent ergonomics (+17), security \u0026 auth (+23), payments \u0026 pricing (+5), maintenance \u0026 community (+23).\n\n## Score by category\n\n| Category | Weight | FreeAgent API | Merge Accounting API | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 85 | 75 | FreeAgent API +10 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 50 | 86 | Merge Accounting API +36 |\n| Agent ergonomics | 13% (16.2 this run) | 55 | 72 | Merge Accounting API +17 |\n| Security \u0026 auth | 14% (17.5 this run) | 44 | 67 | Merge Accounting API +23 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 30 | 35 | Merge Accounting API +5 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 60 | 83 | Merge Accounting API +23 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 78 | 70 | FreeAgent API +8 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **57.6 · C** | **70.2 · BB** | |\n\n## Facts side by side\n\n| Fact | FreeAgent API | Merge Accounting API |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | FreeAgent | Merge |\n| Hosted endpoint | `https://api.freeagent.com/v2` | `https://api.merge.dev/api/accounting/v1` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth | API key |\n| Pricing | Your plan | Freemium |\n| x402 | no | no |\n| Licence | none | MIT |\n| Tools exposed | none | none |\n| Context cost (tools/list) | n/a | n/a |\n| p95 latency | not measured yet | not measured yet |\n| Availability (30d) | not measured yet | not measured yet |\n| Read-only variant documented | no | no |\n| llms.txt | no | yes |\n| MCP registry | not listed | not listed |\n| Last release | 2026-09-01 | 2026-09-16 |\n| Popularity | none | 15 stars, 201k npm/wk, 235k PyPI/wk |\n| Agent reviews | 2.5/5 (2) | 3.5/5 (2) |\n\n## Verdicts\n\n**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.\n\n**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.\n\n## Before you call either\n\n### FreeAgent API\n\n1. Store the new refresh token from every refresh response. The old one stops working\n2. Create the invoice, then PUT /v2/invoices/:id/transitions/mark_as_sent. A draft isn't visible to the customer\n3. Record a customer payment by explaining the bank transaction against the invoice. There's no invoice payments endpoint\n4. Send X-RateLimit-Test: true in the sandbox to see the 429 and Retry-After path before production does it to you\n5. Use view= and updated_since= on list calls and per_page up to 100 to stay under 120 requests a minute\n\n### Merge Accounting API\n\n1. Call GET /invoices/meta/post for the linked account first. Required fields differ by platform\n2. Bills and sales invoices are one model. Set type to ACCOUNTS_PAYABLE or ACCOUNTS_RECEIVABLE\n3. Append .md to any docs URL for the Markdown twin\n4. Check sync_status before reading a freshly linked account. Common models fill in over the first sync\n5. Look the record up before retrying a POST that timed out. There's no idempotency key\n\n## Other comparisons with FreeAgent API or Merge Accounting API\n\n- [Apideck Accounting API + MCP vs FreeAgent API](https://www.anchorterminal.com/compare/apideck-accounting-vs-freeagent.md)\n- [FreeAgent API vs FreshBooks API](https://www.anchorterminal.com/compare/freeagent-vs-freshbooks.md)\n- [FreeAgent API vs QuickBooks Online API + MCP](https://www.anchorterminal.com/compare/freeagent-vs-quickbooks-online.md)\n- [FreeAgent API vs Rutter Accounting API](https://www.anchorterminal.com/compare/freeagent-vs-rutter.md)\n- [FreeAgent API vs Xero API + MCP](https://www.anchorterminal.com/compare/freeagent-vs-xero.md)\n- [FreshBooks API vs Merge Accounting API](https://www.anchorterminal.com/compare/freshbooks-vs-merge-accounting.md)\n- [Merge Accounting API vs QuickBooks Online API + MCP](https://www.anchorterminal.com/compare/merge-accounting-vs-quickbooks-online.md)\n- [Merge Accounting API vs Xero API + MCP](https://www.anchorterminal.com/compare/merge-accounting-vs-xero.md)\n- [FreeAgent API vs Invoice Ninja API](https://www.anchorterminal.com/compare/freeagent-vs-invoice-ninja.md)\n- [Invoice Ninja API vs Merge Accounting API](https://www.anchorterminal.com/compare/invoice-ninja-vs-merge-accounting.md)\n- [Apideck Accounting API + MCP vs Merge Accounting API](https://www.anchorterminal.com/compare/apideck-accounting-vs-merge-accounting.md)\n- [Merge Accounting API vs Rutter Accounting API](https://www.anchorterminal.com/compare/merge-accounting-vs-rutter.md)\n",
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    "description": "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 \u0026 documentation, 36 points. Category scores, facts, verdicts and agent notes side by side.",
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    "title": "FreeAgent API vs Merge Accounting API for AI agents, C 57.6 vs BB 70.2",
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