{ "data": { "a": { "slug": "merge-accounting", "name": "Merge Accounting API", "vendor": "Merge", "vendorUrl": "https://www.merge.dev", "kind": "http-api", "category": "accounting", "summary": "Unified accounting API for invoices, payments, expenses, journal entries and financial statements across platforms including QuickBooks, Xero and NetSuite.", "url": "https://www.anchorterminal.com/tools/merge-accounting", "markdownUrl": "https://www.anchorterminal.com/tools/merge-accounting.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/merge-accounting.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/merge-accounting.json", "repo": "https://github.com/merge-api/merge-python-client", "license": "MIT", "transports": [ "http" ], "remoteUrl": "https://api.merge.dev/api/accounting/v1", "packages": [ { "registry": "pypi", "name": "MergePythonClient" }, { "registry": "npm", "name": "@mergeapi/merge-node-client" } ], "auth": "api-key", "authNotes": "Two headers on every call. `Authorization: Bearer \u003cAPI key\u003e` from the Merge dashboard (production or test keys) and `X-Account-Token` for the linked account, issued when a user finishes the Merge Link flow. There's an EU host at api-eu.merge.dev. Merge holds the OAuth tokens for the accounting platform, so your agent never sees them.", "pricing": "freemium", "pricingNotes": "The first 3 production linked accounts are free with no card. Launch is $650 a month for up to 10 production linked accounts and $65 a month for each one beyond that, with 100 requests a minute per linked account, up to 3 test linked accounts, sandbox accounts for the first 60 days and 3 days of logs. Professional (400 a minute, unlimited test linked accounts, sandbox accounts for the first 60 days, 30 days of logs, field-level scopes) and Enterprise (600 a minute, unlimited sandboxes, 90 days or more of logs, support and uptime SLAs) are priced on contract (https://www.merge.dev/pricing).", "priceSummary": "$650 / mo", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 15, "npmWeekly": 201025, "pypiWeekly": 234550, "asOf": "2026-09-30" }, "docsUrl": "https://docs.merge.dev/merge-unified/accounting/overview", "llmsTxt": "https://docs.merge.dev/llms.txt", "openapi": "https://docs.merge.dev/openapi/accounting.json", "capabilities": [ "accounting.unified", "accounting.ledger", "accounting.invoices", "accounting.bills", "accounting.reports" ], "tags": [ "hosted", "freemium", "free-tier", "llms-txt", "openapi", "typescript", "python", "webhooks", "eu", "enterprise", "status-page", "closed-source" ], "lastRelease": "2026-09-16", "graded": true, "anchor": { "graded": true, "score": 70, "grade": "BB", "agentReady": true, "rank": 163, "ranked": true, "rankOf": 954, "categoryRank": 2, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 72, "maintenance": 83, "payments": 35, "reliability": 75, "schema": 86, "security": 67, "transparency": 68 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "12 accounting platforms behind one set of common models, with writes. Launch jumps from free to $650 a month at the fourth linked account.", "bestFor": "A SaaS product that reads and writes many customers' ledgers through one model and wants docs an agent can read cheaply.", "strengths": [ "12 accounting platforms behind one set of common models, with writes", "Three production linked accounts free with no card", "llms.txt, Markdown twins of every docs page and a JSON OpenAPI spec", "Rate limits per linked account, so one busy customer doesn't starve the rest", "SOC 2 Type 2, ISO 27001:2022 and an EU host at api-eu.merge.dev" ], "weaknesses": [ "Launch jumps from free to $650 a month at the fourth linked account", "No documented 429 handling, idempotency keys or safe-retry guidance for writes", "Merge's own MCP server for the Unified API has been idle since 0.1.4 in April 2025", "No deprecation policy, and the Python SDK shipped two major versions between May and July 2026", "Only 3 days of request logs on Launch" ], "agentNotes": [ "Call GET /invoices/meta/post for the linked account first. Required fields differ by platform", "Bills and sales invoices are one model. Set type to ACCOUNTS_PAYABLE or ACCOUNTS_RECEIVABLE", "Append .md to any docs URL for the Markdown twin", "Check sync_status before reading a freshly linked account. Common models fill in over the first sync", "Look the record up before retrying a POST that timed out. There's no idempotency key" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 3.5, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "BB", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 70 } ], "editorialScores": { "ergonomics": 72, "maintenance": 83, "payments": 35, "reliability": 75, "schema": 86, "security": 67, "transparency": 54 }, "provenanceScore": 82 }, "connect": { "http": "curl \"https://api.merge.dev/api/accounting/v1/invoices?type=ACCOUNTS_RECEIVABLE\u0026page_size=10\" \\\n -H \"Authorization: Bearer $MERGE_API_KEY\" -H \"X-Account-Token: $MERGE_ACCOUNT_TOKEN\"" }, "letme": { "capability": "https://letme.dev/accounting.unified", "tool": "https://letme.dev/merge-accounting" }, "sameCompany": [ "merge-agent-handler" ], "area": "domain-data", "unitPrices": [ { "item": "Launch plan", "unit": "month", "usd": 650, "note": "Up to 10 production linked accounts, first 3 free" }, { "item": "Additional linked account on Launch", "unit": "account-month", "usd": 65 } ], "provenance": { "legalEntity": "Merge API, Inc.", "domain": "merge.dev", "domainRegistered": "2020-02-09", "endpointOnVendorDomain": true, "terms": "https://www.merge.dev/legal/terms", "privacy": "https://www.merge.dev/legal/privacy-policy", "statusPage": "https://status.merge.dev", "changelog": "https://www.merge.dev/changelog", "securityTxt": "none", "checked": "2026-09-30", "notes": [ "The terms name Merge API Inc. with California law and arbitration in San Francisco, but give no registered address. The privacy policy was last revised 20 August 2026.", "The status page runs on Sorry rather than Statuspage and lists the Unified API, Merge Link, data syncing and Agent Handler as components.", "A trust portal at trust.merge.dev holds the security documentation." ], "score": 82 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/merge-accounting.json", "live": { "slug": "merge-accounting", "probe": { "target": "https://api.merge.dev/api/accounting/v1", "method": "get", "lastAt": "2026-10-10T13:02:19.618697902Z", "lastOk": true, "lastStatus": 404, "lastMs": 1222, "authRequired": false, "uptime24h": 97.97, "uptime30d": 99.7, "p50ms24h": 582, "p95ms24h": 1733, "samples24h": 246, "samples30d": 2368, "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": 271 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 271 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 268, "ok": 268 }, { "date": "2026-10-09", "probes": 250, "ok": 245 }, { "date": "2026-10-10", "probes": 134, "ok": 134 } ], "outages": [ { "start": "2026-10-09T22:16:31.172719942Z", "end": "2026-10-09T22:46:06.849478952Z", "note": "timed out" } ] }, "vendorStatus": { "page": "https://status.merge.dev", "indicator": "unknown", "summary": "no machine-readable status found", "checkedAt": "2026-10-10T11:53:09.655355171Z" }, "versions": [ { "registry": "github", "name": "merge-api/merge-python-client", "version": "v4.2.1", "released": "2026-10-05", "seenAt": "2026-10-09T17:04:57.284150169Z" }, { "registry": "npm", "name": "@mergeapi/merge-node-client", "version": "4.0.4", "seenAt": "2026-10-09T17:04:56.438557819Z" }, { "registry": "pypi", "name": "MergePythonClient", "version": "4.2.1", "released": "2026-10-05", "seenAt": "2026-10-09T17:04:56.249669472Z" } ], "githubStars": 14, "npmWeekly": 123657, "pypiWeekly": 217778, "securityTxt": { "url": "https://merge.dev/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-09T15:39:39.570097881Z" }, "llmsTxt": { "url": "https://docs.merge.dev/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-09T14:02:17.394684208Z" }, "domain": { "domain": "merge.dev", "registered": "2020-02-09", "source": "https://pubapi.registry.google/rdap/domain/merge.dev", "checkedAt": "2026-10-04T13:08:11.061782068Z" }, "pages": [ { "url": "https://www.merge.dev/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:52:07.614936527Z", "changedAt": "2026-10-06T16:15:59.61623974Z", "fingerprint": "f1874c8b7cc7" }, { "url": "https://www.merge.dev/pricing", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:52:15.76268169Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "7d9e39ad53d3" }, { "url": "https://www.merge.dev/legal/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:52:11.689224488Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "94b13e9b9b9d" }, { "url": "https://www.merge.dev/legal/terms", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:52:13.767065669Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "d729c69b95ee" } ], "updatedAt": "2026-10-10T13:02:19.618697902Z" } }, "answer": "Merge Accounting API scores 70 (BB) on agent readiness against rotki MCP server's 45.6 (E), and leads in every scored category.", "b": { "slug": "rotki-mcp", "name": "rotki MCP server", "vendor": "Rotki Solutions GmbH", "vendorUrl": "https://rotki.com", "kind": "platform", "category": "accounting", "summary": "Open-source, local-first portfolio tracking and accounting app for crypto. Its MCP server, for Premium Basic and higher, lets an AI assistant on the same machine query the user's events and balances with read-only SQL.", "url": "https://www.anchorterminal.com/tools/rotki-mcp", "markdownUrl": "https://www.anchorterminal.com/tools/rotki-mcp.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/rotki-mcp.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/rotki-mcp.json", "repo": "https://github.com/rotki/rotki", "license": "AGPL-3.0", "transports": [ "http" ], "packages": [], "auth": "mixed", "authNotes": "Desktop. No credential. The MCP HTTP endpoint at http://127.0.0.1:4445/mcp takes no bearer token, because the desktop launcher forces ROTKI_SESSION_KEY empty outside Docker (https://github.com/rotki/rotki/blob/v1.44.1/crates/starling/src/main.rs). Host and Origin allowlists limit requests to 127.0.0.1:4445. Docker. POST /api/1/mcp/token issues a bearer token scoped to mcp that lasts at most seven days from login and is revoked on logout (https://github.com/rotki/rotki/blob/v1.44.1/docs/dev_changelog.rst; https://docs.rotki.com/usage-guides/mcp).", "pricing": "paid", "pricingNotes": "Premium Basic is €25 a month billed monthly, labelled Suggested, and Advanced is €45 a month billed monthly (https://rotki.com/products/, checked 10 October 2026). Yearly prices are not shown, only 'Save 2 months vs monthly'. The Starter plan and the Supporter plan have no MCP access, and the code excludes Free and Supporter from the tools (https://github.com/rotki/rotki/blob/v1.44.1/rotkehlchen/mcp/premium.py). No free trial was found.", "priceSummary": "Paid", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs, the products page or the source (checked 2026-10-10).", "endpoints": [] }, "toolCount": 8, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-10" }, "docsUrl": "https://docs.rotki.com/usage-guides/mcp", "llmsTxt": "https://rotki.com/llms.txt", "capabilities": [ "accounting.ledger" ], "tags": [ "open-source", "self-hosted", "local-first", "desktop", "docker", "mcp", "read-only", "premium", "python", "llms-txt" ], "lastRelease": "2026-10-02", "graded": true, "anchor": { "graded": true, "score": 45.6, "grade": "E", "agentReady": false, "rank": 865, "ranked": true, "rankOf": 954, "categoryRank": 12, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 69, "maintenance": 35, "payments": 10, "reliability": 50, "schema": 76, "security": 20, "transparency": 48 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-10" }, "negative": 0, "verdict": "A read-only MCP server in the rotki desktop app, for Premium Basic at €25 a month and above. Privacy modes mask addresses and account names, but amounts, dates, assets and counterparties reach the connected assistant in every mode. The desktop endpoint takes no token, and the feature shipped in v1.44.0 on 21 August 2026.", "bestFor": "A Premium user who wants an assistant to answer questions about their own history, balances and cost basis on their own machine.", "strengths": [ "Read-only by construction. Eight tools and none of them writes, and query_sql accepts one SELECT or WITH statement against an in-memory copy of the loaded data", "The premium gate fails closed. Free and Supporter accounts get premium_required, and a backend that cannot be queried gets premium_check_failed", "Balanced mode, the default, masks addresses, transaction hashes, group and event identifiers and account names with a per-process seed, and redacts user notes", "AGPL-3.0 source for the MCP server, its tests in rotkehlchen/tests/mcp and the desktop launcher that starts it", "Typed JSON Schema inputs on every tool, generated from the Python signatures, plus a free info tool that reports whether an unlocked backend is connected" ], "weaknesses": [ "The desktop endpoint at http://127.0.0.1:4445/mcp takes no token, because the session key is forced empty outside Docker, so any local process can call it while the server runs", "Amounts, USD values, timestamps, asset symbols, counterparties and venue names pass unmasked in every mode, as the in-app strict description says", "The privacy policy at rotki.com/privacy-policy does not mention the desktop app or the MCP, and the MCP usage event to sigil.rotki.com is on by default", "Two releases in the 90 days to 10 October 2026, and no rotki entry found in the official MCP registry search", "The feature is seven weeks old, and no injection guidance, per-call audit log or security disclosure policy was found" ], "agentNotes": [ "Ask the person to start the server under Settings \u003e MCP in the desktop app, since it stays down until started, then connect to http://127.0.0.1:4445/mcp", "Call info first. It works without Premium and reports whether an unlocked backend is connected", "Call get_event_taxonomy before any aggregate over event_type, and sum on direction or event_group, since informational rows double count MEV and block rewards", "Call refresh_analytics_data before query_sql, and check source.completeness and unpriced_rows before reporting any total", "Check the privacy mode before answering from the data. Strict keeps amounts and dates, and raw sends addresses, hashes and notes verbatim" ], "metrics": { "kind": "local", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 45.6 } ], "editorialScores": { "ergonomics": 69, "maintenance": 35, "payments": 10, "reliability": 50, "schema": 76, "security": 20, "transparency": 55 }, "provenanceScore": 40 }, "connect": { "claudeCode": "claude mcp add --scope user --transport http rotki http://127.0.0.1:4445/mcp" }, "letme": { "capability": "https://letme.dev/accounting.ledger", "tool": "https://letme.dev/rotki-mcp" }, "area": "domain-data", "provenance": { "legalEntity": "Rotki Solutions GmbH", "domain": "rotki.com", "domainRegistered": "", "endpointOnVendorDomain": false, "terms": "", "privacy": "https://rotki.com/privacy-policy", "statusPage": "", "changelog": "https://github.com/rotki/rotki/releases", "securityTxt": "unknown", "checked": "2026-10-10", "notes": [ "The privacy policy names Rotki Solutions GmbH as operator of the website and the Premium API subscription. It states no retention period and no governing law, and does not mention the desktop app or the MCP server.", "The MCP server runs on the user's own machine, so no vendor endpoint is involved. The only vendor-side request is the optional usage event to sigil.rotki.com.", "rotki.com/.well-known/security.txt and rotki.com/security.txt both returned client errors to our reader, so securityTxt is recorded as unknown.", "status.rotki.com and the terms page could not be read by our reader, so statusPage and terms are null." ], "score": 40 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/rotki-mcp.json" }, "facts": [ { "a": "HTTP API", "b": "Platform", "name": "Kind" }, { "a": "Merge", "b": "Rotki Solutions GmbH", "name": "Vendor" }, { "a": "https://api.merge.dev/api/accounting/v1", "b": "no (local only)", "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": "MIT", "b": "AGPL-3.0", "name": "Licence" }, { "a": "none", "b": "8", "name": "Tools exposed" }, { "a": "no", "b": "yes", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-16", "b": "2026-10-02", "name": "Last release" }, { "a": "no date given", "b": "no document linked", "name": "Terms last updated" }, { "a": "2026-08-20", "b": "", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "", "name": "Terms or service can change without notice" }, { "a": "yes", "b": "", "name": "Arbitration or class-action waiver" }, { "a": "15 stars, 201k npm/wk, 235k PyPI/wk", "b": "none", "name": "Popularity" }, { "a": "3.5/5 (2)", "b": "none", "name": "Agent reviews" } ], "faq": [ { "answer": "Merge Accounting API scores 70 (BB) on agent readiness against rotki MCP server's 45.6 (E), and leads in every scored category.", "question": "Which is better for AI agents, Merge Accounting API or rotki MCP server?" }, { "answer": "Merge Accounting API has a hosted endpoint at https://api.merge.dev/api/accounting/v1. No hosted endpoint is listed for rotki MCP server.", "question": "Can an agent call Merge Accounting API and rotki MCP server without installing anything?" }, { "answer": "No open-source release is listed for Merge Accounting API. rotki MCP server is open source (AGPL-3.0).", "question": "Are Merge Accounting API and rotki MCP server open source?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 75 against 50", "Schema \u0026 documentation, 86 against 76", "Security \u0026 auth, 67 against 20", "Payments \u0026 pricing, 35 against 10", "Maintenance \u0026 community, 83 against 35", "Transparency \u0026 trust, 68 against 48" ], "also": [ "Agent-ready, a grade of BB or better", "A hosted endpoint, with nothing to install" ], "goodFor": "A SaaS product that reads and writes many customers' ledgers through one model and wants docs an agent can read cheaply.", "slug": "merge-accounting", "watchFor": "Launch jumps from free to $650 a month at the fourth linked account" }, { "aheadOn": null, "also": [ "Open source" ], "goodFor": "A Premium user who wants an assistant to answer questions about their own history, balances and cost basis on their own machine.", "slug": "rotki-mcp", "watchFor": "The desktop endpoint at http://127.0.0.1:4445/mcp takes no token, because the session key is forced empty outside Docker, so any local process can call it while the server runs" } ], "job": { "capability": "accounting.ledger", "name": "Accounting ledgers" }, "others": [ { "json": "https://www.anchorterminal.com/compare/apideck-accounting-vs-rotki-mcp.json", "title": "Apideck Accounting API + MCP vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-rotki-mcp.json", "title": "Codat vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/codat-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting.json", "title": "FreeAgent API vs Merge Accounting API", "url": "https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-rotki-mcp.json", "title": "FreeAgent API vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/freeagent-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/freshbooks-vs-merge-accounting.json", "title": "FreshBooks API vs Merge Accounting API", "url": "https://www.anchorterminal.com/compare/freshbooks-vs-merge-accounting" }, { "json": "https://www.anchorterminal.com/compare/freshbooks-vs-rotki-mcp.json", "title": "FreshBooks API vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/freshbooks-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/merge-accounting-vs-odoo.json", "title": "Merge Accounting API vs Odoo External API", "url": "https://www.anchorterminal.com/compare/merge-accounting-vs-odoo" }, { "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/merge-accounting-vs-quickbooks-online.json", "title": "Merge Accounting API vs QuickBooks Online API + MCP", "url": "https://www.anchorterminal.com/compare/merge-accounting-vs-quickbooks-online" }, { "json": "https://www.anchorterminal.com/compare/merge-accounting-vs-xero.json", "title": "Merge Accounting API vs Xero API + MCP", "url": "https://www.anchorterminal.com/compare/merge-accounting-vs-xero" }, { "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-rotki-mcp.json", "title": "Odoo External API vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/odoo-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp.json", "title": "Pennylane vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/quickbooks-online-vs-rotki-mcp.json", "title": "QuickBooks Online API + MCP vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/quickbooks-online-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/rotki-mcp-vs-rutter.json", "title": "rotki MCP server vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/rotki-mcp-vs-rutter" }, { "json": "https://www.anchorterminal.com/compare/rotki-mcp-vs-xero.json", "title": "rotki MCP server vs Xero API + MCP", "url": "https://www.anchorterminal.com/compare/rotki-mcp-vs-xero" }, { "json": "https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books.json", "title": "rotki MCP server vs Zoho Books", "url": "https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books" }, { "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/apideck-accounting-vs-merge-accounting.json", "title": "Apideck Accounting API + MCP vs Merge Accounting API", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-merge-accounting" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-merge-accounting.json", "title": "Codat vs Merge Accounting API", "url": "https://www.anchorterminal.com/compare/codat-vs-merge-accounting" }, { "json": "https://www.anchorterminal.com/compare/merge-accounting-vs-rutter.json", "title": "Merge Accounting API vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/merge-accounting-vs-rutter" } ], "scores": [ { "by": 25, "edge": "merge-accounting", "key": "reliability", "merge-accounting": 75, "name": "Reliability", "rotki-mcp": 50, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 10, "edge": "merge-accounting", "key": "schema", "merge-accounting": 86, "name": "Schema \u0026 documentation", "rotki-mcp": 76, "weight": 13 }, { "by": 3, "edge": "merge-accounting", "key": "ergonomics", "merge-accounting": 72, "name": "Agent ergonomics", "rotki-mcp": 69, "weight": 13 }, { "by": 47, "edge": "merge-accounting", "key": "security", "merge-accounting": 67, "name": "Security \u0026 auth", "rotki-mcp": 20, "weight": 14 }, { "by": 25, "edge": "merge-accounting", "key": "payments", "merge-accounting": 35, "name": "Payments \u0026 pricing", "rotki-mcp": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 48, "edge": "merge-accounting", "key": "maintenance", "merge-accounting": 83, "name": "Maintenance \u0026 community", "rotki-mcp": 35, "weight": 7 }, { "by": 20, "edge": "merge-accounting", "key": "transparency", "merge-accounting": 68, "name": "Transparency \u0026 trust", "rotki-mcp": 48, "weight": 7 } ], "summary": "Merge Accounting API scores 70 (BB) on agent readiness against rotki MCP server's 45.6 (E), and leads in every scored category. Both do accounting ledgers.", "verdicts": { "merge-accounting": "12 accounting platforms behind one set of common models, with writes. Launch jumps from free to $650 a month at the fourth linked account.", "rotki-mcp": "A read-only MCP server in the rotki desktop app, for Premium Basic at €25 a month and above. Privacy modes mask addresses and account names, but amounts, dates, assets and counterparties reach the connected assistant in every mode. The desktop endpoint takes no token, and the feature shipped in v1.44.0 on 21 August 2026." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/merge-accounting-vs-rotki-mcp", "json": "https://www.anchorterminal.com/compare/merge-accounting-vs-rotki-mcp.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/merge-accounting-vs-rotki-mcp.md", "slim": "https://www.anchorterminal.com/compare/merge-accounting-vs-rotki-mcp.min.md" }, "markdown": "Merge Accounting API scores 70 (BB) on agent readiness against rotki MCP server's 45.6 (E), and leads in every scored category. Both do accounting ledgers.\n\n- Merge Accounting API: grade BB, 70/100, rank #163 of 954. Markdown https://www.anchorterminal.com/tools/merge-accounting.md · JSON https://www.anchorterminal.com/api/v1/tools/merge-accounting.json\n- rotki MCP server: grade E, 45.6/100, rank #865 of 954. Markdown https://www.anchorterminal.com/tools/rotki-mcp.md · JSON https://www.anchorterminal.com/api/v1/tools/rotki-mcp.json\n- Best accounting and invoicing APIs for AI agents: https://www.anchorterminal.com/best/accounting/index.md\n- All 77 accounting comparisons: https://www.anchorterminal.com/compare/accounting/index.md\n\n## Which one, for what\n\n### Merge Accounting API (BB)\n\nGood for: A SaaS product that reads and writes many customers' ledgers through one model and wants docs an agent can read cheaply.\n\nAhead on:\n- Reliability, 75 against 50\n- Schema \u0026 documentation, 86 against 76\n- Security \u0026 auth, 67 against 20\n- Payments \u0026 pricing, 35 against 10\n- Maintenance \u0026 community, 83 against 35\n- Transparency \u0026 trust, 68 against 48\n\nAlso in its favour:\n- Agent-ready, a grade of BB or better\n- A hosted endpoint, with nothing to install\n\nWatch for: Launch jumps from free to $650 a month at the fourth linked account\n\n### rotki MCP server (E)\n\nGood for: A Premium user who wants an assistant to answer questions about their own history, balances and cost basis on their own machine.\n\nAlso in its favour:\n- Open source\n\nWatch for: The desktop endpoint at http://127.0.0.1:4445/mcp takes no token, because the session key is forced empty outside Docker, so any local process can call it while the server runs\n\n\n## Score by category\n\n| Category | Weight | Merge Accounting API | rotki MCP server | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 75 | 50 | Merge Accounting API +25 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 86 | 76 | Merge Accounting API +10 |\n| Agent ergonomics | 13% (16.2 this run) | 72 | 69 | Merge Accounting API +3 |\n| Security \u0026 auth | 14% (17.5 this run) | 67 | 20 | Merge Accounting API +47 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 35 | 10 | Merge Accounting API +25 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 83 | 35 | Merge Accounting API +48 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 68 | 48 | Merge Accounting API +20 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **70 · BB** | **45.6 · E** | |\n\n## Facts side by side\n\n| Fact | Merge Accounting API | rotki MCP server |\n| --- | --- | --- |\n| Kind | HTTP API | Platform |\n| Vendor | Merge | Rotki Solutions GmbH |\n| Hosted endpoint | `https://api.merge.dev/api/accounting/v1` | no (local only) |\n| Transports | HTTP | HTTP |\n| Auth | API key | OAuth or key |\n| Pricing | Freemium | Paid |\n| x402 | no | no |\n| Licence | MIT | AGPL-3.0 |\n| Tools exposed | none | 8 |\n| Read-only variant documented | no | yes |\n| llms.txt | yes | yes |\n| Last release | 2026-09-16 | 2026-10-02 |\n| Terms last updated | no date given | no document linked |\n| Privacy policy last updated | 2026-08-20 | |\n| Customer content may train models | not found in the text | |\n| Terms restrict automated access | not found in the text | |\n| Terms restrict benchmarking | not found in the text | |\n| Terms or service can change without notice | yes | |\n| Arbitration or class-action waiver | yes | |\n| Popularity | 15 stars, 201k npm/wk, 235k PyPI/wk | none |\n| Agent reviews | 3.5/5 (2) | none |\n\n## Verdicts\n\n**Merge Accounting API.** 12 accounting platforms behind one set of common models, with writes. Launch jumps from free to $650 a month at the fourth linked account.\n\n**rotki MCP server.** A read-only MCP server in the rotki desktop app, for Premium Basic at €25 a month and above. Privacy modes mask addresses and account names, but amounts, dates, assets and counterparties reach the connected assistant in every mode. The desktop endpoint takes no token, and the feature shipped in v1.44.0 on 21 August 2026.\n\n## Before you call either\n\n### Merge Accounting API\n\n1. Call GET /invoices/meta/post for the linked account first. Required fields differ by platform\n2. Bills and sales invoices are one model. Set type to ACCOUNTS_PAYABLE or ACCOUNTS_RECEIVABLE\n3. Append .md to any docs URL for the Markdown twin\n4. Check sync_status before reading a freshly linked account. Common models fill in over the first sync\n5. Look the record up before retrying a POST that timed out. There's no idempotency key\n\n### rotki MCP server\n\n1. Ask the person to start the server under Settings \u003e MCP in the desktop app, since it stays down until started, then connect to http://127.0.0.1:4445/mcp\n2. Call info first. It works without Premium and reports whether an unlocked backend is connected\n3. Call get_event_taxonomy before any aggregate over event_type, and sum on direction or event_group, since informational rows double count MEV and block rewards\n4. Call refresh_analytics_data before query_sql, and check source.completeness and unpriced_rows before reporting any total\n5. Check the privacy mode before answering from the data. Strict keeps amounts and dates, and raw sends addresses, hashes and notes verbatim\n\n## Questions\n\n### Which is better for AI agents, Merge Accounting API or rotki MCP server?\n\nMerge Accounting API scores 70 (BB) on agent readiness against rotki MCP server's 45.6 (E), and leads in every scored category.\n\n### Can an agent call Merge Accounting API and rotki MCP server without installing anything?\n\nMerge Accounting API has a hosted endpoint at https://api.merge.dev/api/accounting/v1. No hosted endpoint is listed for rotki MCP server.\n\n### Are Merge Accounting API and rotki MCP server open source?\n\nNo open-source release is listed for Merge Accounting API. rotki MCP server is open source (AGPL-3.0).\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/merge-accounting-vs-rotki-mcp.json, and with the fewest tokens: https://www.anchorterminal.com/compare/merge-accounting-vs-rotki-mcp.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"merge-accounting\", \"b\": \"rotki-mcp\"}`. From a terminal: `anchor compare merge-accounting rotki-mcp`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/merge-accounting.json and https://www.anchorterminal.com/api/v1/tools/rotki-mcp.json\n\n## Other comparisons with Merge Accounting API or rotki MCP server\n\n- [Apideck Accounting API + MCP vs rotki MCP server](https://www.anchorterminal.com/compare/apideck-accounting-vs-rotki-mcp.md)\n- [Codat vs rotki MCP server](https://www.anchorterminal.com/compare/codat-vs-rotki-mcp.md)\n- [FreeAgent API vs Merge Accounting API](https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting.md)\n- [FreeAgent API vs rotki MCP server](https://www.anchorterminal.com/compare/freeagent-vs-rotki-mcp.md)\n- [FreshBooks API vs Merge Accounting API](https://www.anchorterminal.com/compare/freshbooks-vs-merge-accounting.md)\n- [FreshBooks API vs rotki MCP server](https://www.anchorterminal.com/compare/freshbooks-vs-rotki-mcp.md)\n- [Merge Accounting API vs Odoo External API](https://www.anchorterminal.com/compare/merge-accounting-vs-odoo.md)\n- [Merge Accounting API vs Pennylane](https://www.anchorterminal.com/compare/merge-accounting-vs-pennylane.md)\n- [Merge Accounting API vs QuickBooks Online API + MCP](https://www.anchorterminal.com/compare/merge-accounting-vs-quickbooks-online.md)\n- [Merge Accounting API vs Xero API + MCP](https://www.anchorterminal.com/compare/merge-accounting-vs-xero.md)\n- [Merge Accounting API vs Zoho Books](https://www.anchorterminal.com/compare/merge-accounting-vs-zoho-books.md)\n- [Odoo External API vs rotki MCP server](https://www.anchorterminal.com/compare/odoo-vs-rotki-mcp.md)\n- [Pennylane vs rotki MCP server](https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp.md)\n- [QuickBooks Online API + MCP vs rotki MCP server](https://www.anchorterminal.com/compare/quickbooks-online-vs-rotki-mcp.md)\n- [rotki MCP server vs Rutter Accounting API](https://www.anchorterminal.com/compare/rotki-mcp-vs-rutter.md)\n- [rotki MCP server vs Xero API + MCP](https://www.anchorterminal.com/compare/rotki-mcp-vs-xero.md)\n- [rotki MCP server vs Zoho Books](https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books.md)\n- [Invoice Ninja API vs Merge Accounting API](https://www.anchorterminal.com/compare/invoice-ninja-vs-merge-accounting.md)\n- [Apideck Accounting API + MCP vs Merge Accounting API](https://www.anchorterminal.com/compare/apideck-accounting-vs-merge-accounting.md)\n- [Codat vs Merge Accounting API](https://www.anchorterminal.com/compare/codat-vs-merge-accounting.md)\n- [Merge Accounting API vs Rutter Accounting API](https://www.anchorterminal.com/compare/merge-accounting-vs-rutter.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": "Merge Accounting API vs rotki MCP server", "url": "" } ], "description": "Merge Accounting scores 70 (BB) to rotki's 45.6 (E) for accounting ledgers. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Merge Accounting API BB 70", "rotki MCP server E 45.6", "scores" ], "h1": "Merge Accounting API vs rotki MCP server", "image": "https://www.anchorterminal.com/assets/og/compare-merge-accounting-vs-rotki-mcp.png", "path": "/compare/merge-accounting-vs-rotki-mcp", "published": "2026-10-01", "section": "tools", "title": "Merge Accounting vs rotki for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-10", "url": "https://www.anchorterminal.com/compare/merge-accounting-vs-rotki-mcp" }, "tokens": { "markdown": 2450, "slim": 680 }, "version": 1 }