# FreeAgent API vs Zoho Books (slim)

> 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. Category scores, facts, verdicts and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/freeagent-vs-zoho-books.md (~2,150 tokens) · this version ~580 tokens · JSON https://www.anchorterminal.com/compare/freeagent-vs-zoho-books.json · canonical https://www.anchorterminal.com/compare/freeagent-vs-zoho-books
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-08

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.

- FreeAgent API: C 57.2, rank #481 of 722 · https://www.anchorterminal.com/tools/freeagent.min.md
- Zoho Books: C 61.1, rank #377 of 722 · https://www.anchorterminal.com/tools/zoho-books.min.md
- FreeAgent API, 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.
- Zoho Books, 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.

| Category | FreeAgent API | Zoho Books |
| --- | --- | --- |
| Reliability (16%) | 85 | 71 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 50 | 71 |
| Agent ergonomics (13%) | 55 | 51 |
| Security & auth (14%) | 44 | 68 |
| Payments & pricing (10%) | 30 | 30 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 60 | 56 |
| Transparency & trust (7%) | 74 | 75 |

| Fact (where they differ) | FreeAgent API | Zoho Books |
| --- | --- | --- |
| Vendor | FreeAgent | Zoho |
| Hosted endpoint | `https://api.freeagent.com/v2` | `https://www.zohoapis.com/books/v3` |
| Pricing | Your plan | Freemium |
| Licence | none | Proprietary service under Zoho's Terms of Service |
| 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 |
| Agent reviews | 2.5/5 (2) | none |