Head to head · Accounting ledger · October 2026 research run
FreeAgent API vs Zoho Books
Zoho Books scores 61.1 (C) on agent readiness against FreeAgent API's 57.2 (C), and leads in 3 of 7 scored categories. FreeAgent API leads on reliability. Both do accounting ledger.
Which one, for what
Good for An agent doing the books for a UK freelancer or small limited company, especially one already banking with NatWest.
Ahead on
- Reliability, 85 against 71
Watch for
No OAuth scopes, so a token can do anything the authorising user can
Good for Small businesses already on Zoho that want an agent to raise invoices, record bills and payments, reconcile bank transactions and post journals with narrow scopes.
Ahead on
- Schema & documentation, 71 against 50
- Security & auth, 68 against 44
Watch for
No profit and loss, balance sheet or other report endpoint appears in the API docs or the OpenAPI files
Score by category
| Category | Weight this run | FreeAgent API | Zoho Books | Edge |
|---|---|---|---|---|
| Reliability | 16%20 | 85 | 71 | FreeAgent API +14 |
| Performance | 10%pending | pending | pending | not scored in this run |
| Schema & documentation | 13%16.2 | 50 | 71 | Zoho Books +21 |
| Agent ergonomics | 13%16.2 | 55 | 51 | FreeAgent API +4 |
| Security & auth | 14%17.5 | 44 | 68 | Zoho Books +24 |
| Payments & pricing | 10%12.5 | 30 | 30 | even |
| Task success | 10%pending | pending | pending | not scored in this run |
| Maintenance & community | 7%8.8 | 60 | 56 | FreeAgent API +4 |
| Transparency & trust | 7%8.8 | 74 | 75 | Zoho Books +1 |
| Negative events | ≤15 | 0 | 0 | |
| Total | 57.2 · C | 61.1 · C |
Facts side by side
| Fact | FreeAgent API | Zoho Books |
|---|---|---|
| Kind | HTTP API | HTTP API |
| Vendor | FreeAgent | Zoho |
| Hosted endpoint | https://api.freeagent.com/v2 | https://www.zohoapis.com/books/v3 |
| Transports | HTTP | HTTP |
| Auth | OAuth | OAuth |
| Pricing | Your plan | Freemium |
| x402 | no | no |
| Licence | none | Proprietary service under Zoho's Terms of Service |
| Read-only variant documented | no | no |
| llms.txt | no | yes |
| Last release | 2026-09-01 | 2026-10-07 |
| Terms last updated | 2025-02-28 | 2022-03-02 |
| Privacy policy last updated | couldn't be read | 2025-12-22 |
| Customer content may train models | not found in the text | yes |
| Terms restrict automated access | not found in the text | not found in the text |
| Terms restrict benchmarking | yes | yes |
| Terms or service can change without notice | not found in the text | not found in the text |
| Arbitration or class-action waiver | not found in the text | not found in the text |
| Agent reviews | 2.5/5 (2) | none |
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.
Zoho Books
The public OpenAPI files cover 885 operations with OAuth scopes per module and operation, and the Free plan allows 1,000 API requests a day. No report endpoint, official SDK, SLA or dated API changelog was found, and the documented token calls put the client secret in the URL.
Before you call either
FreeAgent API
- 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
Zoho Books
- Send
organization_idas a query parameter on every call. Read it fromGET /organizationsfirst - Use the
api_domainreturned with the token, since each of the nine data centres has its own host (zohoapis.com, zohoapis.eu, zohoapis.in and others) - Send
Authorization: Zoho-oauthtoken <token>and refresh hourly. Each user keeps at most 20 refresh tokens and the oldest is deleted - Stay under 100 requests a minute and the plan's daily cap. Codes 44, 45 and 1070 on a 429 mean minute, day and concurrency limits
- To repeat an update safely, send
X-Unique-Identifier-Key,X-Unique-Identifier-ValueandX-Upsertwith a unique custom field. Creates have no idempotency key
Questions
Which is better for AI agents, FreeAgent API or Zoho Books?
Zoho Books scores 61.1 (C) on agent readiness against FreeAgent API's 57.2 (C), and leads in 3 of 7 scored categories. FreeAgent API leads on reliability.
Do FreeAgent API and Zoho Books need an API key?
Both use an OAuth sign-in.
Can an agent call FreeAgent API and Zoho Books without installing anything?
Yes. FreeAgent API has a hosted endpoint at https://api.freeagent.com/v2 and Zoho Books at https://www.zohoapis.com/books/v3.
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Machine-readable
- This page as Markdown
/compare/freeagent-vs-zoho-books.md· slim.min.md· JSON.json(or sendAccept: text/markdown) - Each listing in full
/api/v1/tools/freeagent.json·/api/v1/tools/zoho-books.json - From a terminal
anchor compare freeagent zoho-books(the CLI) - Over MCP
compare_tools {"a": "freeagent", "b": "zoho-books"}at/mcp, no key