Head to head · Accounting ledger · October 2026 research run

FreeAgent API vs Rutter Accounting API

FreeAgent API has a score of 57.6 (C) against Rutter Accounting API's 55.8 (C). Both do accounting ledger. The largest gap is schema & documentation, 29 points.

Which one, for what

Pick FreeAgent API for

  • reliability (+18)
  • security & auth (+8)
  • payments & pricing (+10)
  • transparency & trust (+27)

Pick Rutter Accounting API for

  • schema & documentation (+29)
  • agent ergonomics (+12)

Score by category

CategoryWeight this runFreeAgent APIRutter Accounting APIEdge
Reliability16%208567FreeAgent API +18
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.25079Rutter Accounting API +29
Agent ergonomics13%16.25567Rutter Accounting API +12
Security & auth14%17.54436FreeAgent API +8
Payments & pricing10%12.53020FreeAgent API +10
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.86062Rutter Accounting API +2
Transparency & trust7%8.87851FreeAgent API +27
Negative events≤1500
Total57.6 · C55.8 · C

Facts side by side

FactFreeAgent APIRutter Accounting API
KindHTTP APIHTTP API
VendorFreeAgentRutter
Hosted endpointhttps://api.freeagent.com/v2https://production.rutterapi.com/versioned
TransportsHTTPHTTP
AuthOAuthAPI key
PricingYour planPaid
x402nono
Licencenonenone
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.txtnono
MCP registrynot listednot listed
Last release2026-09-012026-09-24
Popularitynonenone
Agent reviews2.5/5 (2)3/5 (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.

Rutter Accounting API

Idempotency-Key header on writes, and prefer_sync writes that fall back to async after 30 seconds. Production prices are quote-only.

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

Rutter Accounting API

  1. Send X-Rutter-Version: 2024-08-31 on every call
  2. Send an Idempotency-Key on every create so a retry after a timeout doesn't write twice
  3. Use response_mode=prefer_sync and handle the 202 async_response anyway
  4. Treat 452 as the ledger throttling you and 429 as Rutter's 500-per-10-seconds organisation limit
  5. Keep access_token out of logged URLs. The docs only show it as a query parameter

Other comparisons with FreeAgent API or Rutter Accounting API

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