{ "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": 568, "ranked": true, "rankOf": 722, "categoryRank": 9, "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": "2026-10-08T21:12:12.621597134Z", "lastOk": true, "lastStatus": 404, "lastMs": 364, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 319, "p95ms24h": 379, "samples24h": 271, "samples30d": 1955, "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": 239, "ok": 239 } ] }, "vendorStatus": { "page": "https://status.invoiceninja.com", "indicator": "unknown", "summary": "no machine-readable status found", "checkedAt": "2026-10-08T19:38:42.530396693Z" }, "versions": [ { "registry": "github", "name": "invoiceninja/invoiceninja", "version": "v5.13.44", "released": "2026-10-07", "seenAt": "2026-10-08T16:17:05.253142843Z" } ], "githubStars": 10244, "securityTxt": { "url": "https://invoiceninja.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-08T15:39:00.212224242Z" }, "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": "2026-10-08T18:20:59.55131167Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "c58a0d69907d" }, { "url": "https://invoiceninja.github.io/docs/legal/data-privacy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:21:01.806441188Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "84bc25c802b0" }, { "url": "https://invoiceninja.github.io/docs/legal/terms-of-service", "kind": "terms", "status": 304, "checkedAt": "2026-10-08T18:21:03.942785263Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "6f674e061225" } ], "updatedAt": "2026-10-08T21:12:12.621597134Z" } }, "answer": "Zoho Books scores 61.1 (C) on agent readiness against Invoice Ninja API's 52.1 (D), and leads in 4 of 7 scored categories. Invoice Ninja API leads on agent ergonomics, payments \u0026 pricing and maintenance \u0026 community.", "b": { "slug": "zoho-books", "name": "Zoho Books", "vendor": "Zoho", "vendorUrl": "https://www.zoho.com/books/", "kind": "http-api", "category": "accounting", "summary": "Zoho Books is hosted accounting software from Zoho for small and mid-sized businesses. Agents reach it through the REST API v3, covering invoices, bills, payments, banking, journals and the chart of accounts behind OAuth 2.0.", "url": "https://www.anchorterminal.com/tools/zoho-books", "markdownUrl": "https://www.anchorterminal.com/tools/zoho-books.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/zoho-books.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/zoho-books.json", "license": "Proprietary service under Zoho's Terms of Service", "transports": [ "http" ], "remoteUrl": "https://www.zohoapis.com/books/v3", "packages": [], "auth": "oauth", "authNotes": "OAuth 2.0 only. A person registers a client in the Zoho developer console (a server-based application, or a self client for one's own organisation) and approves scopes, which narrow to one module and one operation. The access token lasts one hour and goes in `Authorization: Zoho-oauthtoken \u003ctoken\u003e`. The refresh token lasts until revoked. Every call also needs `organization_id`. Each data centre has its own accounts host and API domain. Registration is self-serve, with no app review or sales approval found for use inside one's own organisation.", "pricing": "freemium", "pricingNotes": "Free plan for one user and one accountant with 1,000 API requests a day, open to businesses with yearly revenue under $50,000. Paid plans cost $15 to $240 an organisation a month billed yearly in the US edition ($20 to $275 monthly) and have a 14-day trial. The plan sets the daily API cap, up to 10,000. No sandbox organisation was found, so an agent starts on the Free plan or a trial (https://www.zoho.com/us/books/pricing/, checked 2026-10-08).", "priceSummary": "$15 / mo", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the API docs, the OpenAPI files or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://www.zoho.com/books/api/v3/introduction/", "llmsTxt": "https://www.zoho.com/us/books/help/llms.txt", "openapi": "https://www.zoho.com/books/api/v3/openapi-all.zip", "capabilities": [ "accounting.ledger", "accounting.invoices", "accounting.bills" ], "tags": [ "hosted", "closed-source", "oauth", "openapi", "mcp", "webhooks", "free-tier", "status-page", "bug-bounty", "soc2" ], "lastRelease": "2026-10-07", "graded": true, "anchor": { "graded": true, "score": 61.1, "grade": "C", "agentReady": false, "rank": 377, "ranked": true, "rankOf": 722, "categoryRank": 5, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 51, "maintenance": 56, "payments": 30, "reliability": 71, "schema": 71, "security": 68, "transparency": 75 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "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.", "bestFor": "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.", "strengths": [ "OpenAPI 3.0.0 files for 45 resources and 885 operations download from the docs as `openapi-all.zip`", "OAuth scopes narrow to one module and one operation, such as `ZohoBooks.invoices.READ`", "Every API reference operation has a Markdown twin, such as `/books/api/v3/invoices/create-an-invoice.md`", "The Free plan includes 1,000 API requests a day per the plan comparison", "The API Usage dashboard lists recent calls by user, module, IP address and application" ], "weaknesses": [ "No profit and loss, balance sheet or other report endpoint appears in the API docs or the OpenAPI files", "The documented token and refresh calls put the client secret and refresh token in the URL query string", "Daily caps are low, 1,000 requests on Free and 10,000 on the top three plans", "No official SDK, SLA, API deprecation policy or dated API changelog found in the reviewed pages", "429 is documented without a Retry-After header or backoff guidance" ], "agentNotes": [ "Send `organization_id` as a query parameter on every call. Read it from `GET /organizations` first", "Use the `api_domain` returned 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 \u003ctoken\u003e` 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-Value` and `X-Upsert` with a unique custom field. Creates have no idempotency key" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 61.1 } ], "editorialScores": { "ergonomics": 51, "maintenance": 56, "payments": 30, "reliability": 71, "schema": 71, "security": 68, "transparency": 54 }, "provenanceScore": 95 }, "connect": { "http": "curl -X GET 'https://www.zohoapis.com/books/v3/organizations' \\\n -H \"Authorization: Zoho-oauthtoken $ZOHO_ACCESS_TOKEN\"" }, "letme": { "capability": "https://letme.dev/accounting.ledger", "tool": "https://letme.dev/zoho-books" }, "sameCompany": [ "zoho-zeptomail", "zoho-crm", "zoho-recruit", "zoho-people" ], "area": "domain-data", "unitPrices": [ { "item": "Standard", "unit": "month", "usd": 15, "note": "per organisation, billed yearly; $20 billed monthly; 3 users, 2,000 API requests a day" }, { "item": "Professional", "unit": "month", "usd": 40, "note": "per organisation, billed yearly; $50 billed monthly; 5 users, 5,000 API requests a day" }, { "item": "Premium", "unit": "month", "usd": 60, "note": "per organisation, billed yearly; $70 billed monthly; 10 users, 10,000 API requests a day" }, { "item": "Elite", "unit": "month", "usd": 120, "note": "per organisation, billed yearly; $150 billed monthly; 10 users, 10,000 API requests a day" }, { "item": "Ultimate", "unit": "month", "usd": 240, "note": "per organisation, billed yearly; $275 billed monthly; 15 users, 10,000 API requests a day" }, { "item": "Additional user", "unit": "seat-month", "usd": 2.5, "note": "billed yearly; $3 billed monthly; paid plans only" } ], "provenance": { "legalEntity": "Zoho Corporation Private Limited", "domain": "zoho.com", "domainRegistered": "2004-01-16", "domainNote": "API calls go to www.zohoapis.com and its regional equivalents, a Zoho domain other than zoho.com.", "endpointOnVendorDomain": true, "terms": "https://www.zoho.com/terms.html", "privacy": "https://www.zoho.com/privacy.html", "statusPage": "https://status.zoho.com", "changelog": "https://www.zoho.com/books/whats-new.html", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The Terms of Service (last updated 2 March 2022) are the service agreement for Zoho's online services. The contracting entity depends on the customer's region, Zoho Corporation Private Limited for India and Zoho Corporation for the United States (https://www.zoho.com/legal/zoho-contracting-entities.html).", "A separate Zoho Developer Agreement at https://www.zoho.com/developer/terms.html covers the developer tools.", "The privacy policy was last updated on 22 December 2025 and covers Zoho's websites and the products on them.", "security.txt at www.zoho.com gives a bug bounty contact, security@zohocorp.com, a policy link and an expiry of 30 June 2028.", "The changelog link is the product What's New page, newest entry 31 July 2026. No dated API changelog was found.", "RDAP for zoho.com gives a registration date of 2004-01-16." ], "score": 95 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/zoho-books.json", "live": { "slug": "zoho-books", "probe": { "target": "https://www.zohoapis.com/books/v3", "method": "get", "lastAt": "2026-10-08T21:12:26.720239875Z", "lastOk": true, "lastStatus": 404, "lastMs": 427, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 448, "p95ms24h": 486, "samples24h": 21, "samples30d": 21, "days": [ { "date": "2026-10-08", "probes": 21, "ok": 21 } ] }, "vendorStatus": { "page": "https://status.zoho.com", "indicator": "unknown", "summary": "no machine-readable status found", "checkedAt": "2026-10-08T19:39:22.344999716Z" }, "updatedAt": "2026-10-08T21:12:26.720239875Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Invoice Ninja", "b": "Zoho", "name": "Vendor" }, { "a": "https://invoicing.co/api/v1", "b": "https://www.zohoapis.com/books/v3", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "OAuth", "name": "Auth" }, { "a": "Freemium", "b": "Freemium", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Elastic License 2.0", "b": "Proprietary service under Zoho's Terms of Service", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "no", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-18", "b": "2026-10-07", "name": "Last release" }, { "a": "2026-02-14", "b": "2022-03-02", "name": "Terms last updated" }, { "a": "2026-02-14", "b": "2025-12-22", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "yes", "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": "not found in the text", "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": "Zoho Books scores 61.1 (C) on agent readiness against Invoice Ninja API's 52.1 (D), and leads in 4 of 7 scored categories. Invoice Ninja API leads on agent ergonomics, payments \u0026 pricing and maintenance \u0026 community.", "question": "Which is better for AI agents, Invoice Ninja API or Zoho Books?" }, { "answer": "Invoice Ninja API needs an API key. Zoho Books uses an OAuth sign-in.", "question": "Do Invoice Ninja API and Zoho Books need an API key?" }, { "answer": "Yes. Invoice Ninja API has a hosted endpoint at https://invoicing.co/api/v1 and Zoho Books at https://www.zohoapis.com/books/v3.", "question": "Can an agent call Invoice Ninja API and Zoho Books without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Agent ergonomics, 60 against 51", "Payments \u0026 pricing, 35 against 30", "Maintenance \u0026 community, 83 against 56" ], "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, 71 against 36", "Schema \u0026 documentation, 71 against 66", "Security \u0026 auth, 68 against 48", "Transparency \u0026 trust, 75 against 62" ], "also": null, "goodFor": "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.", "slug": "zoho-books", "watchFor": "No profit and loss, balance sheet or other report endpoint appears in the API docs or the OpenAPI files" } ], "job": { "capability": "accounting.invoices", "name": "Accounting invoices" }, "others": [ { "json": "https://www.anchorterminal.com/compare/apideck-accounting-vs-zoho-books.json", "title": "Apideck Accounting API + MCP vs Zoho Books", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-zoho-books.json", "title": "Codat vs Zoho Books", "url": "https://www.anchorterminal.com/compare/codat-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-zoho-books.json", "title": "FreeAgent API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/freeagent-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/freshbooks-vs-zoho-books.json", "title": "FreshBooks API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/freshbooks-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/merge-accounting-vs-zoho-books.json", "title": "Merge Accounting API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/merge-accounting-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/odoo-vs-zoho-books.json", "title": "Odoo External API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/odoo-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/quickbooks-online-vs-zoho-books.json", "title": "QuickBooks Online API + MCP vs Zoho Books", "url": "https://www.anchorterminal.com/compare/quickbooks-online-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/rutter-vs-zoho-books.json", "title": "Rutter Accounting API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/rutter-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/xero-vs-zoho-books.json", "title": "Xero API + MCP vs Zoho Books", "url": "https://www.anchorterminal.com/compare/xero-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" } ], "scores": [ { "by": 35, "edge": "zoho-books", "invoice-ninja": 36, "key": "reliability", "name": "Reliability", "weight": 16, "zoho-books": 71 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 5, "edge": "zoho-books", "invoice-ninja": 66, "key": "schema", "name": "Schema \u0026 documentation", "weight": 13, "zoho-books": 71 }, { "by": 9, "edge": "invoice-ninja", "invoice-ninja": 60, "key": "ergonomics", "name": "Agent ergonomics", "weight": 13, "zoho-books": 51 }, { "by": 20, "edge": "zoho-books", "invoice-ninja": 48, "key": "security", "name": "Security \u0026 auth", "weight": 14, "zoho-books": 68 }, { "by": 5, "edge": "invoice-ninja", "invoice-ninja": 35, "key": "payments", "name": "Payments \u0026 pricing", "weight": 10, "zoho-books": 30 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 27, "edge": "invoice-ninja", "invoice-ninja": 83, "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7, "zoho-books": 56 }, { "by": 13, "edge": "zoho-books", "invoice-ninja": 62, "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7, "zoho-books": 75 } ], "summary": "Zoho Books scores 61.1 (C) on agent readiness against Invoice Ninja API's 52.1 (D), and leads in 4 of 7 scored categories. Invoice Ninja API leads on agent ergonomics, payments \u0026 pricing and maintenance \u0026 community. Both do accounting invoices.", "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.", "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." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books", "json": "https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books.md", "slim": "https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books.min.md" }, "markdown": "Zoho Books scores 61.1 (C) on agent readiness against Invoice Ninja API's 52.1 (D), and leads in 4 of 7 scored categories. Invoice Ninja API leads on agent ergonomics, payments \u0026 pricing and maintenance \u0026 community. Both do accounting invoices.\n\n- Invoice Ninja API: grade D, 52.1/100, rank #568 of 722. Markdown https://www.anchorterminal.com/tools/invoice-ninja.md · JSON https://www.anchorterminal.com/api/v1/tools/invoice-ninja.json\n- Zoho Books: grade C, 61.1/100, rank #377 of 722. Markdown https://www.anchorterminal.com/tools/zoho-books.md · JSON https://www.anchorterminal.com/api/v1/tools/zoho-books.json\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- Agent ergonomics, 60 against 51\n- Payments \u0026 pricing, 35 against 30\n- Maintenance \u0026 community, 83 against 56\n\nWatch for: No general ledger, journals or balance sheet, so the bookkeeping half of the category test can't be done\n\n### Zoho Books (C)\n\nGood 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.\n\nAhead on:\n- Reliability, 71 against 36\n- Schema \u0026 documentation, 71 against 66\n- Security \u0026 auth, 68 against 48\n- Transparency \u0026 trust, 75 against 62\n\nWatch for: No profit and loss, balance sheet or other report endpoint appears in the API docs or the OpenAPI files\n\n\n## Score by category\n\n| Category | Weight | Invoice Ninja API | Zoho Books | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 36 | 71 | Zoho Books +35 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 66 | 71 | Zoho Books +5 |\n| Agent ergonomics | 13% (16.2 this run) | 60 | 51 | Invoice Ninja API +9 |\n| Security \u0026 auth | 14% (17.5 this run) | 48 | 68 | Zoho Books +20 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 35 | 30 | Invoice Ninja API +5 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 83 | 56 | Invoice Ninja API +27 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 62 | 75 | Zoho Books +13 |\n| Negative events | ≤15 | -1 | 0 | |\n| **Total** | | **52.1 · D** | **61.1 · C** | |\n\n## Facts side by side\n\n| Fact | Invoice Ninja API | Zoho Books |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Invoice Ninja | Zoho |\n| Hosted endpoint | `https://invoicing.co/api/v1` | `https://www.zohoapis.com/books/v3` |\n| Transports | HTTP | HTTP |\n| Auth | API key | OAuth |\n| Pricing | Freemium | Freemium |\n| x402 | no | no |\n| Licence | Elastic License 2.0 | Proprietary service under Zoho's Terms of Service |\n| Read-only variant documented | no | no |\n| llms.txt | no | yes |\n| Last release | 2026-09-18 | 2026-10-07 |\n| Terms last updated | 2026-02-14 | 2022-03-02 |\n| Privacy policy last updated | 2026-02-14 | 2025-12-22 |\n| Customer content may train models | not found in the text | yes |\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 | not found in the text |\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**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.\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### Zoho Books\n\n1. Send `organization_id` as a query parameter on every call. Read it from `GET /organizations` first\n2. Use the `api_domain` returned with the token, since each of the nine data centres has its own host (zohoapis.com, zohoapis.eu, zohoapis.in and others)\n3. Send `Authorization: Zoho-oauthtoken \u003ctoken\u003e` and refresh hourly. Each user keeps at most 20 refresh tokens and the oldest is deleted\n4. 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\n5. To repeat an update safely, send `X-Unique-Identifier-Key`, `X-Unique-Identifier-Value` and `X-Upsert` with a unique custom field. Creates have no idempotency key\n\n## Questions\n\n### Which is better for AI agents, Invoice Ninja API or Zoho Books?\n\nZoho Books scores 61.1 (C) on agent readiness against Invoice Ninja API's 52.1 (D), and leads in 4 of 7 scored categories. Invoice Ninja API leads on agent ergonomics, payments \u0026 pricing and maintenance \u0026 community.\n\n### Do Invoice Ninja API and Zoho Books need an API key?\n\nInvoice Ninja API needs an API key. Zoho Books uses an OAuth sign-in.\n\n### Can an agent call Invoice Ninja API and Zoho Books without installing anything?\n\nYes. Invoice Ninja API has a hosted endpoint at https://invoicing.co/api/v1 and Zoho Books at https://www.zohoapis.com/books/v3.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books.json, and with the fewest tokens: https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"invoice-ninja\", \"b\": \"zoho-books\"}`. From a terminal: `anchor compare invoice-ninja zoho-books`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/invoice-ninja.json and https://www.anchorterminal.com/api/v1/tools/zoho-books.json\n\n## Other comparisons with Invoice Ninja API or Zoho Books\n\n- [Apideck Accounting API + MCP vs Zoho Books](https://www.anchorterminal.com/compare/apideck-accounting-vs-zoho-books.md)\n- [Codat vs Zoho Books](https://www.anchorterminal.com/compare/codat-vs-zoho-books.md)\n- [FreeAgent API vs Zoho Books](https://www.anchorterminal.com/compare/freeagent-vs-zoho-books.md)\n- [FreshBooks API vs Zoho Books](https://www.anchorterminal.com/compare/freshbooks-vs-zoho-books.md)\n- [Merge Accounting API vs Zoho Books](https://www.anchorterminal.com/compare/merge-accounting-vs-zoho-books.md)\n- [Odoo External API vs Zoho Books](https://www.anchorterminal.com/compare/odoo-vs-zoho-books.md)\n- [QuickBooks Online API + MCP vs Zoho Books](https://www.anchorterminal.com/compare/quickbooks-online-vs-zoho-books.md)\n- [Rutter Accounting API vs Zoho Books](https://www.anchorterminal.com/compare/rutter-vs-zoho-books.md)\n- [Xero API + MCP vs Zoho Books](https://www.anchorterminal.com/compare/xero-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", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-08", "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 Zoho Books", "url": "" } ], "description": "Zoho Books scores 61.1 (C) on agent readiness against Invoice Ninja API's 52.1 (D), and leads in 4 of 7 scored categories. Invoice Ninja API leads on agent ergonomics, payments \u0026 pricing and maintenance \u0026 community. Both do accounting invoices. Category scores, facts, verdicts…", "facts": [ "Invoice Ninja API D 52.1", "Zoho Books C 61.1", "scores" ], "h1": "Invoice Ninja API vs Zoho Books", "image": "https://www.anchorterminal.com/assets/og/compare-invoice-ninja-vs-zoho-books.png", "path": "/compare/invoice-ninja-vs-zoho-books", "published": "2026-10-01", "section": "tools", "title": "Invoice Ninja API vs Zoho Books for AI agents, D 52.1 vs C 61.1", "toc": null, "updated": "2026-10-08", "url": "https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books" }, "tokens": { "markdown": 2300, "slim": 630 }, "version": 1 }