{ "data": { "a": { "slug": "invoice-ninja", "name": "Invoice Ninja API", "vendor": "Invoice Ninja", "vendorUrl": "https://www.invoiceninja.com", "kind": "http-api", "category": "accounting", "summary": "Source-available invoicing platform (Laravel) you can self-host or use hosted at invoicing.co.", "url": "https://www.anchorterminal.com/tools/invoice-ninja", "markdownUrl": "https://www.anchorterminal.com/tools/invoice-ninja.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/invoice-ninja.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/invoice-ninja.json", "repo": "https://github.com/invoiceninja/invoiceninja", "license": "Elastic License 2.0", "transports": [ "http" ], "remoteUrl": "https://invoicing.co/api/v1", "packages": [], "auth": "api-key", "authNotes": "An API token from Settings, Account Management, Integrations, sent as `X-API-TOKEN`, plus `X-Requested-With: XMLHttpRequest` on every call. Self-hosted installs can also log in with email and password to get a token, and need `X-API-SECRET` on the login route when API_SECRET is set in .env. The demo at demo.invoiceninja.com accepts the token `TOKEN`.", "pricing": "freemium", "pricingNotes": "Hosted plans are Free (up to 5 clients, 1 user, unlimited invoices), Ninja Pro at $14 a month or $140 a year with unlimited clients and REST API access, Enterprise from $18 a month for 1 to 2 users up to $300 a month for 51 to 100 users, adding bank sync and PEPPOL e-invoicing, and Premium Business from $280 a year with developer support. Self-hosting is free under the Elastic License 2.0 with every Pro and Enterprise feature, and a white-label licence to remove the branding is $40 a year (https://invoiceninja.com/pricing-plans/).", "priceSummary": "$14 / mo", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 10000, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://api-docs.invoicing.co/", "openapi": "https://github.com/invoiceninja/invoiceninja/blob/v5-stable/openapi/api-docs.yaml", "capabilities": [ "accounting.invoices", "accounting.reports" ], "tags": [ "hosted", "self-hosted", "source-available", "freemium", "free-tier", "openapi", "webhooks", "status-page" ], "lastRelease": "2026-09-18", "graded": true, "anchor": { "graded": true, "score": 52.1, "grade": "D", "agentReady": false, "rank": 738, "ranked": true, "rankOf": 950, "categoryRank": 10, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 60, "maintenance": 83, "payments": 35, "reliability": 36, "schema": 66, "security": 48, "transparency": 62 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": -1, "negativeNotes": [ "-1: two moderate stored XSS advisories published 22 and 23 March 2026, GHSA-98wm-cxpw-847p (invoice line items, CVSS 5.4, fixed in 5.13.4) and GHSA-xph7-9749-56mh (product notes). Fixed and disclosed in public, so the deduction is small (https://github.com/invoiceninja/invoiceninja/security/advisories)" ], "verdict": "OpenAPI 3 spec with 379 operations and curl and PHP examples on each path. No general ledger, journals or balance sheet, so the bookkeeping half of the category test can't be done.", "bestFor": "An agent that quotes, invoices, chases and records payments for a small business, or for anyone who wants the billing system on their own server.", "strengths": [ "OpenAPI 3 spec with 379 operations and curl and PHP examples on each path", "Public demo endpoint with the token TOKEN, no account needed", "Self-hosting is free with every Pro and Enterprise feature", "16 tagged releases since 3 July, with PHPUnit CI across PHP 8.2 to 8.5", "Security advisories published on GitHub with fixed versions" ], "weaknesses": [ "No general ledger, journals or balance sheet, so the bookkeeping half of the category test can't be done", "Rate limits aren't in the docs, only in the source", "Status page shows seven days and has no history page", "No scoped or read-only API tokens", "Hosted Free plan excludes the REST API" ], "agentNotes": [ "Send X-Requested-With: XMLHttpRequest with X-API-TOKEN on every call", "Prototype against demo.invoiceninja.com with X-API-TOKEN: TOKEN before asking for real credentials", "Add ?mark_sent=true to the save to make an invoice live, or ?send_email=true to send it. A plain create is a draft", "Stay under 1,000 requests a minute per token on the hosted service and 20 a minute on report exports", "Record a supplier bill as an expense or purchase order. There's no bills resource" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2.5, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 52.1 } ], "editorialScores": { "ergonomics": 60, "maintenance": 83, "payments": 35, "reliability": 36, "schema": 66, "security": 48, "transparency": 54 }, "provenanceScore": 70 }, "connect": { "http": "curl \"https://invoicing.co/api/v1/invoices?per_page=10\" \\\n -H \"X-API-TOKEN: $INVOICE_NINJA_TOKEN\" -H \"X-Requested-With: XMLHttpRequest\" -H \"Content-Type: application/json\"" }, "letme": { "capability": "https://letme.dev/accounting.invoices", "tool": "https://letme.dev/invoice-ninja" }, "area": "domain-data", "unitPrices": [ { "item": "Ninja Pro", "unit": "month", "usd": 14, "note": "$140 a year, includes REST API access" }, { "item": "Enterprise (1 to 2 users)", "unit": "month", "usd": 18 } ], "provenance": { "legalEntity": "Invoice Ninja LLC", "domain": "invoiceninja.com", "domainRegistered": "2013-09-29", "endpointOnVendorDomain": false, "terms": "https://invoiceninja.github.io/docs/legal/terms-of-service", "privacy": "https://invoiceninja.github.io/docs/legal/data-privacy", "statusPage": "https://status.invoiceninja.com", "changelog": "https://github.com/invoiceninja/invoiceninja/releases", "securityTxt": "none", "checked": "2026-09-30", "notes": [ "The hosted API lives on invoicing.co while the brand and terms are on invoiceninja.com. Both are named in the terms of service as Invoice Ninja LLC domains.", "The terms of service give no registered address or jurisdiction for Invoice Ninja LLC.", "Terms and privacy pages are published from the docs repository on GitHub Pages and their paths changed in 2026, so older links return 404.", "The status page runs on Oh Dear and monitors invoiceninja.com and invoicing.co." ], "score": 70 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/invoice-ninja.json", "live": { "slug": "invoice-ninja", "probe": { "target": "https://invoicing.co/api/v1", "method": "get", "lastAt": "2026-10-10T02:54:58.610850659Z", "lastOk": true, "lastStatus": 404, "lastMs": 333, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 319, "p95ms24h": 402, "samples24h": 249, "samples30d": 2264, "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": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 268, "ok": 268 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 30, "ok": 30 } ] }, "vendorStatus": { "page": "https://status.invoiceninja.com", "indicator": "unknown", "summary": "no machine-readable status found", "checkedAt": "2026-10-10T00:50:42.775624831Z" }, "versions": [ { "registry": "github", "name": "invoiceninja/invoiceninja", "version": "v5.13.45", "released": "2026-10-08", "seenAt": "2026-10-09T16:59:14.943510097Z" } ], "githubStars": 10254, "securityTxt": { "url": "https://invoiceninja.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-09T15:40:06.211016862Z" }, "domain": { "domain": "invoiceninja.com", "registered": "2013-09-29", "source": "https://rdap.verisign.com/com/v1/domain/invoiceninja.com", "checkedAt": "2026-10-04T13:07:52.957286244Z" }, "pages": [ { "url": "https://invoiceninja.com/pricing-plans/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:40:30.582295113Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "c58a0d69907d" }, { "url": "https://invoiceninja.github.io/docs/legal/data-privacy", "kind": "privacy", "status": 304, "checkedAt": "2026-10-09T18:40:32.344819038Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "84bc25c802b0" }, { "url": "https://invoiceninja.github.io/docs/legal/terms-of-service", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:40:34.458113978Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "6f674e061225" } ], "updatedAt": "2026-10-10T02:54:58.610850659Z" } }, "answer": "Pennylane scores 66.3 (B) on agent readiness against Invoice Ninja API's 52.1 (D), and leads in 5 of 7 scored categories. Invoice Ninja API leads on payments \u0026 pricing and maintenance \u0026 community.", "b": { "slug": "pennylane", "name": "Pennylane", "vendor": "Pennylane SAS", "vendorUrl": "https://www.pennylane.com", "kind": "http-api", "category": "accounting", "summary": "Pennylane is a French accounting and invoicing platform for companies and accounting firms. Its Company and Firm REST APIs cover invoices, supplier invoices, ledger entries, transactions and exports. A hosted read-only MCP server exposes the same books to AI assistants.", "url": "https://www.anchorterminal.com/tools/pennylane", "markdownUrl": "https://www.anchorterminal.com/tools/pennylane.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/pennylane.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/pennylane.json", "license": "Proprietary service under Pennylane's API agreement and customer terms", "transports": [ "http" ], "remoteUrl": "https://app.pennylane.com/api/external/v2", "packages": [], "auth": "mixed", "authNotes": "Bearer token on every call. Companies generate a Company API token under Settings, Connectivity, Developers, which needs the Essentiel plan or above and an admin role. Each token is tied to one company, is read only or read and write, expires after 1, 6 or 12 months or never, and can be deleted. Firms generate Firm API tokens. Integration partners use the OAuth 2.0 authorisation code grant after the Partnerships team issues a client ID and secret, with 24-hour access tokens and rotating 90-day refresh tokens. The MCP server uses OAuth 2.1 with PKCE and dynamic client registration, and the user signs in through a browser.", "pricing": "paid", "pricingNotes": "API and MCP access for companies needs the Essentiel plan or above, listed at 24 euros a month before VAT for one user on the pricing tab for sole traders and single-shareholder companies. Premium is 79 euros. Each plan has a 15-day trial with no commitment, and a sandbox can be created inside an account. Whether the trial needs a card and the prices for other company types were not established. Accounting firms get the MCP at no extra cost (https://www.pennylane.com/fr/tarifs, checked 2026-10-09).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the API docs, the MCP docs or the pricing page (checked 2026-10-09).", "endpoints": [] }, "toolCount": 31, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://pennylane.readme.io/docs/api-overview", "llmsTxt": "https://pennylane.readme.io/llms.txt", "capabilities": [ "accounting.ledger", "accounting.invoices", "accounting.bills", "accounting.reports" ], "tags": [ "hosted", "closed-source", "oauth", "openapi", "mcp", "llms-txt", "webhooks", "status-page" ], "lastRelease": "2026-09-30", "graded": true, "anchor": { "graded": true, "score": 66.3, "grade": "B", "agentReady": false, "rank": 297, "ranked": true, "rankOf": 950, "categoryRank": 4, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 66, "maintenance": 65, "payments": 20, "reliability": 75, "schema": 85, "security": 68, "transparency": 76 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": 0, "verdict": "The v2 API has per-resource read and write scopes, an OpenAPI definition on every reference page, llms.txt and a breaking-change process that ran over 24 weeks. Access needs a paid Essentiel plan or partner approval, creation endpoints are not idempotent, and the API agreement lets Pennylane change or revoke the API without notice.", "bestFor": "An agent working on the books of French companies or an accounting firm's client portfolio, with French chart of accounts, FEC export, Factur-X e-invoicing and VAT returns.", "strengths": [ "Scopes split each resource into `:readonly` and `:all`, for company tokens, firm tokens and OAuth apps", "Hosted MCP server at `https://mcp.pennylane.com/mcp` with 31 read-only tools, OAuth 2.1 with PKCE and dynamic client registration", "OpenAPI 3.0.1 definitions on each reference page, an llms.txt index and Markdown twins of every docs page", "The 2026 breaking changes ran in three phases over 24 weeks with an opt-in header, ending 1 July 2026", "ISO 27001 certificate published, EU hosting on AWS in Ireland, and a dated sub-processor list with 30 days' notice of additions" ], "weaknesses": [ "The API agreement allows changes, suspension or revocation with or without notice and supplies the API as is", "Creation endpoints do not enforce idempotency, except supplier invoice imports", "API and MCP access for companies starts at the Essentiel plan, and OAuth apps need approval from the Partnerships team", "No official SDK was found, and the MCP server is not in the official MCP registry", "No security.txt, bug bounty or published disclosure policy was found", "The API agreement grants Pennylane an exclusive licence over API integrations and their source code on request" ], "agentNotes": [ "Call `GET https://app.pennylane.com/api/external/v2/me` first to confirm the token, user and company context", "Stay under 25 requests per 5 seconds per token and wait for the `retry-after` value on a 429", "Do not retry a create after a timeout without checking first. Only supplier invoice imports are deduplicated", "Send `filter` and `sort` again with every `cursor`. The cursor stores position only", "Send amounts as strings such as \"120.00\", and ask for `:readonly` scopes when the task only reads", "Use the MCP server for reads only. It cannot create, edit or delete, and firm connections need `company_id`" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 66.3 } ], "editorialScores": { "ergonomics": 66, "maintenance": 65, "payments": 20, "reliability": 75, "schema": 85, "security": 68, "transparency": 71 }, "provenanceScore": 80 }, "connect": { "http": "curl https://app.pennylane.com/api/external/v2/me \\\n -H \"Authorization: Bearer $PENNYLANE_API_TOKEN\"", "claudeCode": "claude mcp add --transport http pennylane https://mcp.pennylane.com/mcp", "config": { "mcpServers": { "pennylane": { "url": "https://mcp.pennylane.com/mcp" } } } }, "letme": { "capability": "https://letme.dev/accounting.ledger", "tool": "https://letme.dev/pennylane" }, "area": "domain-data", "provenance": { "legalEntity": "Pennylane SAS", "domain": "pennylane.com", "domainRegistered": "1998-09-23", "endpointOnVendorDomain": true, "terms": "https://pennylane.readme.io/page/api-contract-terms", "privacy": "https://www.pennylane.com/fr/legal/privacy", "statusPage": "https://status.pennylane.com", "changelog": "https://pennylane.readme.io/changelog", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The legal notice (updated 8 September 2026) names Pennylane, a société par actions simplifiée, SIREN 880 265 921 RCS Paris, 2-4 rue Jules Lefebvre, 75009 Paris. Pennylane GmbH sells the product in Germany.", "The API agreement (API Contract terms, last updated January 2024) governs API use and is cited by clause 26.9 of the customer terms. It gives a registered office in Cherbourg-en-Cotentin, which differs from the Paris address in the customer terms and legal notice.", "The customer terms for companies (version of 16 December 2025) are a PDF linked from https://www.pennylane.com/fr/conditions-generales, with the data processing agreement and the SLA as annexes.", "The privacy policy (updated 30 January 2026) covers processing where Pennylane is controller. Processing as processor is governed by the data processing agreement annexed to the customer terms.", "www.pennylane.com/.well-known/security.txt returns 404.", "The API answers on app.pennylane.com and the MCP server on mcp.pennylane.com. The API docs are hosted on pennylane.readme.io.", "RDAP for pennylane.com gives a registration date of 1998-09-23." ], "score": 80 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/pennylane.json", "live": { "slug": "pennylane", "probe": { "target": "https://app.pennylane.com/api/external/v2", "method": "get", "lastAt": "2026-10-10T02:55:05.478821158Z", "lastOk": true, "lastStatus": 200, "lastMs": 76, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 111, "p95ms24h": 670, "samples24h": 115, "samples30d": 115, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 85 }, { "date": "2026-10-10", "probes": 30, "ok": 30 } ] }, "vendorStatus": { "page": "https://status.pennylane.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-10T02:50:41.945863598Z" }, "pages": [ { "url": "https://pennylane.readme.io/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:43:10.597188172Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "baba0cf1ecaa" }, { "url": "https://www.pennylane.com/fr/legal/privacy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:52:57.370338236Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "2e89b0e31f0b" }, { "url": "https://pennylane.readme.io/page/api-contract-terms", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:43:13.114667877Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "7815b7f4ccf6" } ], "updatedAt": "2026-10-10T02:55:05.478821158Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Invoice Ninja", "b": "Pennylane SAS", "name": "Vendor" }, { "a": "https://invoicing.co/api/v1", "b": "https://app.pennylane.com/api/external/v2", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "OAuth or key", "name": "Auth" }, { "a": "Freemium", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Elastic License 2.0", "b": "Proprietary service under Pennylane's API agreement and customer terms", "name": "Licence" }, { "a": "none", "b": "31", "name": "Tools exposed" }, { "a": "no", "b": "yes", "name": "Read-only variant documented" }, { "a": "no", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-18", "b": "2026-09-30", "name": "Last release" }, { "a": "2026-02-14", "b": "no date given", "name": "Terms last updated" }, { "a": "2026-02-14", "b": "no date given", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "not found in the text", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "yes", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "not found in the text", "name": "Arbitration or class-action waiver" }, { "a": "10k stars", "b": "none", "name": "Popularity" }, { "a": "2.5/5 (2)", "b": "none", "name": "Agent reviews" } ], "faq": [ { "answer": "Pennylane scores 66.3 (B) on agent readiness against Invoice Ninja API's 52.1 (D), and leads in 5 of 7 scored categories. Invoice Ninja API leads on payments \u0026 pricing and maintenance \u0026 community.", "question": "Which is better for AI agents, Invoice Ninja API or Pennylane?" }, { "answer": "Invoice Ninja API needs an API key. Pennylane takes an API key or an OAuth sign-in.", "question": "Do Invoice Ninja API and Pennylane need an API key?" }, { "answer": "Yes. Invoice Ninja API has a hosted endpoint at https://invoicing.co/api/v1 and Pennylane at https://app.pennylane.com/api/external/v2.", "question": "Can an agent call Invoice Ninja API and Pennylane without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Payments \u0026 pricing, 35 against 20", "Maintenance \u0026 community, 83 against 65" ], "also": null, "goodFor": "An agent that quotes, invoices, chases and records payments for a small business, or for anyone who wants the billing system on their own server.", "slug": "invoice-ninja", "watchFor": "No general ledger, journals or balance sheet, so the bookkeeping half of the category test can't be done" }, { "aheadOn": [ "Reliability, 75 against 36", "Schema \u0026 documentation, 85 against 66", "Agent ergonomics, 66 against 60", "Security \u0026 auth, 68 against 48", "Transparency \u0026 trust, 76 against 62" ], "also": null, "goodFor": "An agent working on the books of French companies or an accounting firm's client portfolio, with French chart of accounts, FEC export, Factur-X e-invoicing and VAT returns.", "slug": "pennylane", "watchFor": "The API agreement allows changes, suspension or revocation with or without notice and supplies the API as is" } ], "job": { "capability": "accounting.invoices", "name": "Invoicing" }, "others": [ { "json": "https://www.anchorterminal.com/compare/apideck-accounting-vs-pennylane.json", "title": "Apideck Accounting API + MCP vs Pennylane", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-pennylane.json", "title": "Codat vs Pennylane", "url": "https://www.anchorterminal.com/compare/codat-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-pennylane.json", "title": "FreeAgent API vs Pennylane", "url": "https://www.anchorterminal.com/compare/freeagent-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/freshbooks-vs-pennylane.json", "title": "FreshBooks API vs Pennylane", "url": "https://www.anchorterminal.com/compare/freshbooks-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/merge-accounting-vs-pennylane.json", "title": "Merge Accounting API vs Pennylane", "url": "https://www.anchorterminal.com/compare/merge-accounting-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/odoo-vs-pennylane.json", "title": "Odoo External API vs Pennylane", "url": "https://www.anchorterminal.com/compare/odoo-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-quickbooks-online.json", "title": "Pennylane vs QuickBooks Online API + MCP", "url": "https://www.anchorterminal.com/compare/pennylane-vs-quickbooks-online" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-rutter.json", "title": "Pennylane vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/pennylane-vs-rutter" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-xero.json", "title": "Pennylane vs Xero API + MCP", "url": "https://www.anchorterminal.com/compare/pennylane-vs-xero" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-zoho-books.json", "title": "Pennylane vs Zoho Books", "url": "https://www.anchorterminal.com/compare/pennylane-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/apideck-accounting-vs-invoice-ninja.json", "title": "Apideck Accounting API + MCP vs Invoice Ninja API", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-invoice-ninja" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-invoice-ninja.json", "title": "Codat vs Invoice Ninja API", "url": "https://www.anchorterminal.com/compare/codat-vs-invoice-ninja" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-invoice-ninja.json", "title": "FreeAgent API vs Invoice Ninja API", "url": "https://www.anchorterminal.com/compare/freeagent-vs-invoice-ninja" }, { "json": "https://www.anchorterminal.com/compare/freshbooks-vs-invoice-ninja.json", "title": "FreshBooks API vs Invoice Ninja API", "url": "https://www.anchorterminal.com/compare/freshbooks-vs-invoice-ninja" }, { "json": "https://www.anchorterminal.com/compare/invoice-ninja-vs-merge-accounting.json", "title": "Invoice Ninja API vs Merge Accounting API", "url": "https://www.anchorterminal.com/compare/invoice-ninja-vs-merge-accounting" }, { "json": "https://www.anchorterminal.com/compare/invoice-ninja-vs-odoo.json", "title": "Invoice Ninja API vs Odoo External API", "url": "https://www.anchorterminal.com/compare/invoice-ninja-vs-odoo" }, { "json": "https://www.anchorterminal.com/compare/invoice-ninja-vs-quickbooks-online.json", "title": "Invoice Ninja API vs QuickBooks Online API + MCP", "url": "https://www.anchorterminal.com/compare/invoice-ninja-vs-quickbooks-online" }, { "json": "https://www.anchorterminal.com/compare/invoice-ninja-vs-rutter.json", "title": "Invoice Ninja API vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/invoice-ninja-vs-rutter" }, { "json": "https://www.anchorterminal.com/compare/invoice-ninja-vs-xero.json", "title": "Invoice Ninja API vs Xero API + MCP", "url": "https://www.anchorterminal.com/compare/invoice-ninja-vs-xero" }, { "json": "https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books.json", "title": "Invoice Ninja API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books" } ], "scores": [ { "by": 39, "edge": "pennylane", "invoice-ninja": 36, "key": "reliability", "name": "Reliability", "pennylane": 75, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 19, "edge": "pennylane", "invoice-ninja": 66, "key": "schema", "name": "Schema \u0026 documentation", "pennylane": 85, "weight": 13 }, { "by": 6, "edge": "pennylane", "invoice-ninja": 60, "key": "ergonomics", "name": "Agent ergonomics", "pennylane": 66, "weight": 13 }, { "by": 20, "edge": "pennylane", "invoice-ninja": 48, "key": "security", "name": "Security \u0026 auth", "pennylane": 68, "weight": 14 }, { "by": 15, "edge": "invoice-ninja", "invoice-ninja": 35, "key": "payments", "name": "Payments \u0026 pricing", "pennylane": 20, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 18, "edge": "invoice-ninja", "invoice-ninja": 83, "key": "maintenance", "name": "Maintenance \u0026 community", "pennylane": 65, "weight": 7 }, { "by": 14, "edge": "pennylane", "invoice-ninja": 62, "key": "transparency", "name": "Transparency \u0026 trust", "pennylane": 76, "weight": 7 } ], "summary": "Pennylane scores 66.3 (B) on agent readiness against Invoice Ninja API's 52.1 (D), and leads in 5 of 7 scored categories. Invoice Ninja API leads on payments \u0026 pricing and maintenance \u0026 community. Both do invoicing.", "verdicts": { "invoice-ninja": "OpenAPI 3 spec with 379 operations and curl and PHP examples on each path. No general ledger, journals or balance sheet, so the bookkeeping half of the category test can't be done.", "pennylane": "The v2 API has per-resource read and write scopes, an OpenAPI definition on every reference page, llms.txt and a breaking-change process that ran over 24 weeks. Access needs a paid Essentiel plan or partner approval, creation endpoints are not idempotent, and the API agreement lets Pennylane change or revoke the API without notice." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/invoice-ninja-vs-pennylane", "json": "https://www.anchorterminal.com/compare/invoice-ninja-vs-pennylane.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/invoice-ninja-vs-pennylane.md", "slim": "https://www.anchorterminal.com/compare/invoice-ninja-vs-pennylane.min.md" }, "markdown": "Pennylane scores 66.3 (B) on agent readiness against Invoice Ninja API's 52.1 (D), and leads in 5 of 7 scored categories. Invoice Ninja API leads on payments \u0026 pricing and maintenance \u0026 community. Both do invoicing.\n\n- Invoice Ninja API: grade D, 52.1/100, rank #738 of 950. Markdown https://www.anchorterminal.com/tools/invoice-ninja.md · JSON https://www.anchorterminal.com/api/v1/tools/invoice-ninja.json\n- Pennylane: grade B, 66.3/100, rank #297 of 950. Markdown https://www.anchorterminal.com/tools/pennylane.md · JSON https://www.anchorterminal.com/api/v1/tools/pennylane.json\n- Best accounting and invoicing APIs for AI agents: https://www.anchorterminal.com/best/accounting/index.md\n- All 66 accounting comparisons: https://www.anchorterminal.com/compare/accounting/index.md\n\n## Which one, for what\n\n### Invoice Ninja API (D)\n\nGood for: An agent that quotes, invoices, chases and records payments for a small business, or for anyone who wants the billing system on their own server.\n\nAhead on:\n- Payments \u0026 pricing, 35 against 20\n- Maintenance \u0026 community, 83 against 65\n\nWatch for: No general ledger, journals or balance sheet, so the bookkeeping half of the category test can't be done\n\n### Pennylane (B)\n\nGood for: An agent working on the books of French companies or an accounting firm's client portfolio, with French chart of accounts, FEC export, Factur-X e-invoicing and VAT returns.\n\nAhead on:\n- Reliability, 75 against 36\n- Schema \u0026 documentation, 85 against 66\n- Agent ergonomics, 66 against 60\n- Security \u0026 auth, 68 against 48\n- Transparency \u0026 trust, 76 against 62\n\nWatch for: The API agreement allows changes, suspension or revocation with or without notice and supplies the API as is\n\n\n## Score by category\n\n| Category | Weight | Invoice Ninja API | Pennylane | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 36 | 75 | Pennylane +39 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 66 | 85 | Pennylane +19 |\n| Agent ergonomics | 13% (16.2 this run) | 60 | 66 | Pennylane +6 |\n| Security \u0026 auth | 14% (17.5 this run) | 48 | 68 | Pennylane +20 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 35 | 20 | Invoice Ninja API +15 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 83 | 65 | Invoice Ninja API +18 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 62 | 76 | Pennylane +14 |\n| Negative events | ≤15 | -1 | 0 | |\n| **Total** | | **52.1 · D** | **66.3 · B** | |\n\n## Facts side by side\n\n| Fact | Invoice Ninja API | Pennylane |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Invoice Ninja | Pennylane SAS |\n| Hosted endpoint | `https://invoicing.co/api/v1` | `https://app.pennylane.com/api/external/v2` |\n| Transports | HTTP | HTTP |\n| Auth | API key | OAuth or key |\n| Pricing | Freemium | Paid |\n| x402 | no | no |\n| Licence | Elastic License 2.0 | Proprietary service under Pennylane's API agreement and customer terms |\n| Tools exposed | none | 31 |\n| Read-only variant documented | no | yes |\n| llms.txt | no | yes |\n| Last release | 2026-09-18 | 2026-09-30 |\n| Terms last updated | 2026-02-14 | no date given |\n| Privacy policy last updated | 2026-02-14 | no date given |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | not found in the text | not found in the text |\n| Terms restrict benchmarking | not found in the text | yes |\n| Terms or service can change without notice | not found in the text | yes |\n| Arbitration or class-action waiver | not found in the text | not found in the text |\n| Popularity | 10k stars | none |\n| Agent reviews | 2.5/5 (2) | none |\n\n## Verdicts\n\n**Invoice Ninja API.** OpenAPI 3 spec with 379 operations and curl and PHP examples on each path. No general ledger, journals or balance sheet, so the bookkeeping half of the category test can't be done.\n\n**Pennylane.** The v2 API has per-resource read and write scopes, an OpenAPI definition on every reference page, llms.txt and a breaking-change process that ran over 24 weeks. Access needs a paid Essentiel plan or partner approval, creation endpoints are not idempotent, and the API agreement lets Pennylane change or revoke the API without notice.\n\n## Before you call either\n\n### Invoice Ninja API\n\n1. Send X-Requested-With: XMLHttpRequest with X-API-TOKEN on every call\n2. Prototype against demo.invoiceninja.com with X-API-TOKEN: TOKEN before asking for real credentials\n3. Add ?mark_sent=true to the save to make an invoice live, or ?send_email=true to send it. A plain create is a draft\n4. Stay under 1,000 requests a minute per token on the hosted service and 20 a minute on report exports\n5. Record a supplier bill as an expense or purchase order. There's no bills resource\n\n### Pennylane\n\n1. Call `GET https://app.pennylane.com/api/external/v2/me` first to confirm the token, user and company context\n2. Stay under 25 requests per 5 seconds per token and wait for the `retry-after` value on a 429\n3. Do not retry a create after a timeout without checking first. Only supplier invoice imports are deduplicated\n4. Send `filter` and `sort` again with every `cursor`. The cursor stores position only\n5. Send amounts as strings such as \"120.00\", and ask for `:readonly` scopes when the task only reads\n6. Use the MCP server for reads only. It cannot create, edit or delete, and firm connections need `company_id`\n\n## Questions\n\n### Which is better for AI agents, Invoice Ninja API or Pennylane?\n\nPennylane scores 66.3 (B) on agent readiness against Invoice Ninja API's 52.1 (D), and leads in 5 of 7 scored categories. Invoice Ninja API leads on payments \u0026 pricing and maintenance \u0026 community.\n\n### Do Invoice Ninja API and Pennylane need an API key?\n\nInvoice Ninja API needs an API key. Pennylane takes an API key or an OAuth sign-in.\n\n### Can an agent call Invoice Ninja API and Pennylane without installing anything?\n\nYes. Invoice Ninja API has a hosted endpoint at https://invoicing.co/api/v1 and Pennylane at https://app.pennylane.com/api/external/v2.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/invoice-ninja-vs-pennylane.json, and with the fewest tokens: https://www.anchorterminal.com/compare/invoice-ninja-vs-pennylane.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"invoice-ninja\", \"b\": \"pennylane\"}`. From a terminal: `anchor compare invoice-ninja pennylane`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/invoice-ninja.json and https://www.anchorterminal.com/api/v1/tools/pennylane.json\n\n## Other comparisons with Invoice Ninja API or Pennylane\n\n- [Apideck Accounting API + MCP vs Pennylane](https://www.anchorterminal.com/compare/apideck-accounting-vs-pennylane.md)\n- [Codat vs Pennylane](https://www.anchorterminal.com/compare/codat-vs-pennylane.md)\n- [FreeAgent API vs Pennylane](https://www.anchorterminal.com/compare/freeagent-vs-pennylane.md)\n- [FreshBooks API vs Pennylane](https://www.anchorterminal.com/compare/freshbooks-vs-pennylane.md)\n- [Merge Accounting API vs Pennylane](https://www.anchorterminal.com/compare/merge-accounting-vs-pennylane.md)\n- [Odoo External API vs Pennylane](https://www.anchorterminal.com/compare/odoo-vs-pennylane.md)\n- [Pennylane vs QuickBooks Online API + MCP](https://www.anchorterminal.com/compare/pennylane-vs-quickbooks-online.md)\n- [Pennylane vs Rutter Accounting API](https://www.anchorterminal.com/compare/pennylane-vs-rutter.md)\n- [Pennylane vs Xero API + MCP](https://www.anchorterminal.com/compare/pennylane-vs-xero.md)\n- [Pennylane vs Zoho Books](https://www.anchorterminal.com/compare/pennylane-vs-zoho-books.md)\n- [Apideck Accounting API + MCP vs Invoice Ninja API](https://www.anchorterminal.com/compare/apideck-accounting-vs-invoice-ninja.md)\n- [Codat vs Invoice Ninja API](https://www.anchorterminal.com/compare/codat-vs-invoice-ninja.md)\n- [FreeAgent API vs Invoice Ninja API](https://www.anchorterminal.com/compare/freeagent-vs-invoice-ninja.md)\n- [FreshBooks API vs Invoice Ninja API](https://www.anchorterminal.com/compare/freshbooks-vs-invoice-ninja.md)\n- [Invoice Ninja API vs Merge Accounting API](https://www.anchorterminal.com/compare/invoice-ninja-vs-merge-accounting.md)\n- [Invoice Ninja API vs Odoo External API](https://www.anchorterminal.com/compare/invoice-ninja-vs-odoo.md)\n- [Invoice Ninja API vs QuickBooks Online API + MCP](https://www.anchorterminal.com/compare/invoice-ninja-vs-quickbooks-online.md)\n- [Invoice Ninja API vs Rutter Accounting API](https://www.anchorterminal.com/compare/invoice-ninja-vs-rutter.md)\n- [Invoice Ninja API vs Xero API + MCP](https://www.anchorterminal.com/compare/invoice-ninja-vs-xero.md)\n- [Invoice Ninja API vs Zoho Books](https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-10", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Invoice Ninja API vs Pennylane", "url": "" } ], "description": "Pennylane scores 66.3 (B) to Invoice Ninja's 52.1 (D) for invoicing. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Invoice Ninja API D 52.1", "Pennylane B 66.3", "scores" ], "h1": "Invoice Ninja API vs Pennylane", "image": "https://www.anchorterminal.com/assets/og/compare-invoice-ninja-vs-pennylane.png", "path": "/compare/invoice-ninja-vs-pennylane", "published": "2026-10-01", "section": "tools", "title": "Invoice Ninja vs Pennylane for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/invoice-ninja-vs-pennylane" }, "tokens": { "markdown": 2400, "slim": 680 }, "version": 1 }