{ "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": 70.2, "grade": "BB", "agentReady": true, "rank": 100, "ranked": true, "rankOf": 452, "categoryRank": 2, "methodology": "0.3", "run": "2026-10-01", "scores": { "ergonomics": 72, "maintenance": 83, "payments": 35, "reliability": 75, "schema": 86, "security": 67, "transparency": 70 }, "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.", "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": "0.3", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 70.2 } ], "editorialScores": { "ergonomics": 72, "maintenance": 83, "payments": 35, "reliability": 75, "schema": 86, "security": 67, "transparency": 54 }, "provenanceScore": 86 }, "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" }, "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": 86 }, "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": "2026-10-04T23:48:11.665834887Z", "lastOk": true, "lastStatus": 404, "lastMs": 538, "authRequired": false, "uptime24h": 99.63, "uptime30d": 99.89, "p50ms24h": 575, "p95ms24h": 2092, "samples24h": 272, "samples30d": 898, "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": 270, "ok": 269 } ] }, "vendorStatus": { "page": "https://status.merge.dev", "indicator": "unknown", "summary": "no machine-readable status found", "checkedAt": "2026-10-04T21:40:14.824420782Z" }, "versions": [ { "registry": "github", "name": "merge-api/merge-python-client", "version": "v4.2.0", "released": "2026-09-16", "seenAt": "2026-10-04T16:32:53.27441844Z" }, { "registry": "npm", "name": "@mergeapi/merge-node-client", "version": "4.0.4", "seenAt": "2026-10-04T16:32:52.40119992Z" }, { "registry": "pypi", "name": "MergePythonClient", "version": "4.2.0", "released": "2026-09-16", "seenAt": "2026-10-04T16:32:52.1990559Z" } ], "githubStars": 14, "npmWeekly": 212208, "pypiWeekly": 197064, "securityTxt": { "url": "https://merge.dev/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-04T15:15:41.019057373Z" }, "llmsTxt": { "url": "https://docs.merge.dev/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-04T15:17:58.879439987Z" }, "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": 304, "checkedAt": "2026-10-04T15:51:18.274010452Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "33f2429b9bed" }, { "url": "https://www.merge.dev/pricing", "kind": "pricing", "status": 304, "checkedAt": "2026-10-04T15:51:24.300795079Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "7d9e39ad53d3" }, { "url": "https://www.merge.dev/legal/privacy-policy", "kind": "privacy", "status": 304, "checkedAt": "2026-10-04T15:51:20.304715164Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "94b13e9b9b9d" }, { "url": "https://www.merge.dev/legal/terms", "kind": "terms", "status": 304, "checkedAt": "2026-10-04T15:51:22.299855755Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "d729c69b95ee" } ], "updatedAt": "2026-10-04T23:48:11.665834887Z" } }, "b": { "slug": "xero", "name": "Xero API + MCP", "vendor": "Xero", "vendorUrl": "https://developer.xero.com", "kind": "http-api", "category": "accounting", "summary": "Accounting API for Xero organisations, with contacts, invoices, bills, payments, bank transactions, manual journals, the balance sheet, profit and loss and trial balance, plus payroll in some regions.", "url": "https://www.anchorterminal.com/tools/xero", "markdownUrl": "https://www.anchorterminal.com/tools/xero.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/xero.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/xero.json", "repo": "https://github.com/XeroAPI/xero-mcp-server", "license": "MIT", "transports": [ "http", "stdio" ], "remoteUrl": "https://api.xero.com/api.xro/2.0", "packages": [ { "registry": "npm", "name": "xero-node" }, { "registry": "pypi", "name": "xero-python" }, { "registry": "npm", "name": "@xeroapi/xero-mcp-server" } ], "auth": "oauth", "authNotes": "OAuth 2.0 authorisation code (PKCE for public clients), or client credentials through a \"custom connection\" that is tied to one organisation. Access tokens last 1,800 seconds and refresh tokens up to 60 days. Every call carries a Bearer token and an `xero-tenant-id` header naming the organisation. Apps created from 29 April 2026 must use the granular scopes (accounting.invoices, accounting.reports.profitandloss.read and so on) rather than the old bundled ones. The MCP server takes a client id and secret for a custom connection, or a ready-made bearer token.", "pricing": "freemium", "pricingNotes": "Developer Platform plans are priced in Australian dollars and billed monthly on connected organisations. Starter is free with 5 connections and 1,000 API calls a day per organisation. Core is AUD 35 a month for 50 connections, Plus AUD 245 for 1,000 and Advanced AUD 1,445 for 10,000, each with 5,000 calls a day per organisation and an egress allowance of 10, 50 or 250 GB (AUD 2.40 a GB over). Plus and above need App Certification, Advanced and Enterprise a security assessment. Enterprise is priced on application. The model took effect on 2 March 2026 for existing developers and 4 December 2025 for new ones (https://developer.xero.com/pricing/).", "priceSummary": "Freemium", "where": "both", "x402": { "level": "no", "endpoints": [] }, "toolCount": 51, "popularity": { "githubStars": 350, "npmWeekly": 394967, "pypiWeekly": 63610, "asOf": "2026-09-30" }, "docsUrl": "https://developer.xero.com/documentation/", "openapi": "https://github.com/XeroAPI/Xero-OpenAPI", "capabilities": [ "accounting.ledger", "accounting.invoices", "accounting.bills", "accounting.reports" ], "tags": [ "hosted", "freemium", "free-tier", "oauth", "mcp", "openapi", "typescript", "python", "webhooks", "status-page" ], "lastRelease": "2026-10-01", "graded": true, "anchor": { "graded": true, "score": 67.4, "grade": "B", "agentReady": false, "rank": 143, "ranked": true, "rankOf": 452, "categoryRank": 3, "methodology": "0.3", "run": "2026-10-01", "scores": { "ergonomics": 75, "maintenance": 76, "payments": 35, "reliability": 68, "schema": 79, "security": 64, "transparency": 75 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "Granular OAuth scopes, such as accounting.reports.profitandloss.read, required for apps created from 29 April 2026. Developer docs, including the per-minute rate limits, only render with JavaScript.", "strengths": [ "Granular OAuth scopes, such as accounting.reports.profitandloss.read, required for apps created from 29 April 2026", "Deprecations announced with 12 to 13 months' notice on a dated changelog", "Public OpenAPI specs, with an Idempotency-Key parameter on 101 accounting operations", "Free Starter tier for 5 connections and a Demo Company with sample data", "ISO 27001:2022, SOC 2 reports and a vulnerability disclosure programme" ], "weaknesses": [ "Developer docs, including the per-minute rate limits, only render with JavaScript", "1,000 calls a day per organisation on the free tier, 5,000 on paid", "Official MCP server idle since 5 June 2026, with no CI, no annotations and no registry entry", "Prices in AUD only, and App Certification is needed above 50 connections", "No security.txt and no public subprocessor list" ], "agentNotes": [ "Send xero-tenant-id on every call. The token alone doesn't name the organisation", "A bill is an Invoice with Type ACCPAY, a sales invoice is ACCREC. There's no separate bills endpoint", "Send an Idempotency-Key on creates so a retry after a timeout doesn't post twice", "Use If-Modified-Since and pageSize up to 100 to stay inside 1,000 calls a day on Starter", "Set XERO_SCOPES to read scopes only when the agent shouldn't write. The MCP still lists its write and delete tools" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 3.5, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.3", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 67.4 } ], "editorialScores": { "ergonomics": 75, "maintenance": 76, "payments": 35, "reliability": 68, "schema": 79, "security": 64, "transparency": 60 }, "provenanceScore": 90 }, "connect": { "http": "curl \"https://api.xero.com/api.xro/2.0/Invoices?Statuses=AUTHORISED\u0026page=1\" \\\n -H \"Authorization: Bearer $XERO_ACCESS_TOKEN\" -H \"xero-tenant-id: $XERO_TENANT_ID\" -H \"Accept: application/json\"", "claudeCode": "claude mcp add xero -e XERO_CLIENT_ID=$XERO_CLIENT_ID -e XERO_CLIENT_SECRET=$XERO_CLIENT_SECRET -- npx -y @xeroapi/xero-mcp-server@latest", "config": { "mcpServers": { "xero": { "args": [ "-y", "@xeroapi/xero-mcp-server@latest" ], "command": "npx", "env": { "XERO_CLIENT_ID": "${XERO_CLIENT_ID}", "XERO_CLIENT_SECRET": "${XERO_CLIENT_SECRET}", "XERO_SCOPES": "accounting.invoices accounting.contacts accounting.settings" } } } } }, "letme": { "capability": "https://letme.dev/accounting.ledger", "tool": "https://letme.dev/xero" }, "area": "domain-data", "provenance": { "legalEntity": "Xero Limited", "domain": "xero.com", "domainRegistered": "1997-06-03", "endpointOnVendorDomain": true, "terms": "https://developer.xero.com/xero-developer-platform-terms-conditions/", "privacy": "https://www.xero.com/uk/legal/privacy/", "statusPage": "https://status.xero.com", "changelog": "https://developer.xero.com/changelog/", "securityTxt": "none", "checked": "2026-09-30", "notes": [ "The developer terms name Xero Limited, New Zealand company 1830488. UK customers contract with Xero (UK) Limited, company 06071722, per the UK terms of use.", "The pricing page lists prices in AUD only. Overages are invoiced in arrears each calendar month under the commercial terms.", "Developer documentation pages return only metadata without JavaScript, so an agent can't read the rate limits or OAuth guides by fetching them. The OpenAPI specs on GitHub are the readable alternative." ], "score": 90 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/xero.json", "live": { "slug": "xero", "probe": { "target": "https://api.xero.com/api.xro/2.0", "method": "get", "lastAt": "2026-10-04T23:48:18.582250383Z", "lastOk": true, "lastStatus": 401, "lastMs": 177, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 99.63, "uptime30d": 99.89, "p50ms24h": 169, "p95ms24h": 329, "samples24h": 272, "samples30d": 898, "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": 270, "ok": 269 } ] }, "vendorStatus": { "page": "https://status.xero.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-04T23:49:31.358648357Z" }, "versions": [ { "registry": "npm", "name": "@xeroapi/xero-mcp-server", "version": "0.0.17", "seenAt": "2026-10-04T16:44:24.072280577Z" }, { "registry": "npm", "name": "xero-node", "version": "20.0.0", "seenAt": "2026-10-04T16:44:23.099924579Z" }, { "registry": "pypi", "name": "xero-python", "version": "15.2.0", "released": "2026-09-04", "seenAt": "2026-10-04T16:44:23.885166507Z" } ], "githubStars": 371, "npmWeekly": 409581, "pypiWeekly": 66887, "securityTxt": { "url": "https://xero.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-04T15:15:57.485388689Z" }, "domain": { "domain": "xero.com", "registered": "1997-06-03", "source": "https://rdap.verisign.com/com/v1/domain/xero.com", "checkedAt": "2026-10-04T13:09:35.716650808Z" }, "pages": [ { "url": "https://developer.xero.com/changelog/", "kind": "changelog", "status": 200, "checkedAt": "2026-10-04T15:42:40.551152039Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "5c6194315997" }, { "url": "https://developer.xero.com/pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-04T15:42:42.862647228Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "d10e42decc3f" }, { "url": "https://www.xero.com/uk/legal/privacy/", "kind": "privacy", "status": 304, "checkedAt": "2026-10-04T15:52:56.743879985Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "0bc24707273a" }, { "url": "https://developer.xero.com/xero-developer-platform-terms-conditions/", "kind": "terms", "status": 200, "checkedAt": "2026-10-04T15:42:44.819907604Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "d15f383fc531" } ], "updatedAt": "2026-10-04T23:49:31.358648357Z" } }, "summary": "Merge Accounting API has a score of 70.2 (BB) against Xero API + MCP's 67.4 (B). Both do accounting ledger. The largest gap is reliability, 7 points." }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/merge-accounting-vs-xero", "json": "https://www.anchorterminal.com/compare/merge-accounting-vs-xero.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/merge-accounting-vs-xero.md", "slim": "https://www.anchorterminal.com/compare/merge-accounting-vs-xero.min.md" }, "markdown": "Merge Accounting API has a score of 70.2 (BB) against Xero API + MCP's 67.4 (B). Both do accounting ledger. The largest gap is reliability, 7 points.\n\n- Merge Accounting API: grade BB, 70.2/100, rank #100 of 452. Markdown https://www.anchorterminal.com/tools/merge-accounting.md · JSON https://www.anchorterminal.com/api/v1/tools/merge-accounting.json\n- Xero API + MCP: grade B, 67.4/100, rank #143 of 452. Markdown https://www.anchorterminal.com/tools/xero.md · JSON https://www.anchorterminal.com/api/v1/tools/xero.json\n\n## Which one, for what\n\nPick Merge Accounting API for reliability (+7), schema \u0026 documentation (+7), maintenance \u0026 community (+7).\n\nPick Xero API + MCP for transparency \u0026 trust (+5).\n\n## Score by category\n\n| Category | Weight | Merge Accounting API | Xero API + MCP | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 75 | 68 | Merge Accounting API +7 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 86 | 79 | Merge Accounting API +7 |\n| Agent ergonomics | 13% (16.2 this run) | 72 | 75 | Xero API + MCP +3 |\n| Security \u0026 auth | 14% (17.5 this run) | 67 | 64 | Merge Accounting API +3 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 35 | 35 | even |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 83 | 76 | Merge Accounting API +7 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 70 | 75 | Xero API + MCP +5 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **70.2 · BB** | **67.4 · B** | |\n\n## Facts side by side\n\n| Fact | Merge Accounting API | Xero API + MCP |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Merge | Xero |\n| Hosted endpoint | `https://api.merge.dev/api/accounting/v1` | `https://api.xero.com/api.xro/2.0` |\n| Transports | HTTP | HTTP, stdio |\n| Auth | API key | OAuth |\n| Pricing | Freemium | Freemium |\n| x402 | no | no |\n| Licence | MIT | MIT |\n| Tools exposed | none | 51 |\n| Context cost (tools/list) | n/a | n/a |\n| p95 latency | not measured yet | not measured yet |\n| Availability (30d) | not measured yet | not measured yet |\n| Read-only variant documented | no | no |\n| llms.txt | yes | no |\n| MCP registry | not listed | not listed |\n| Last release | 2026-09-16 | 2026-10-01 |\n| Popularity | 15 stars, 201k npm/wk, 235k PyPI/wk | 350 stars, 395k npm/wk, 64k PyPI/wk |\n| Agent reviews | 3.5/5 (2) | 3.5/5 (2) |\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**Xero API + MCP.** Granular OAuth scopes, such as accounting.reports.profitandloss.read, required for apps created from 29 April 2026. Developer docs, including the per-minute rate limits, only render with JavaScript.\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### Xero API + MCP\n\n1. Send xero-tenant-id on every call. The token alone doesn't name the organisation\n2. A bill is an Invoice with Type ACCPAY, a sales invoice is ACCREC. There's no separate bills endpoint\n3. Send an Idempotency-Key on creates so a retry after a timeout doesn't post twice\n4. Use If-Modified-Since and pageSize up to 100 to stay inside 1,000 calls a day on Starter\n5. Set XERO_SCOPES to read scopes only when the agent shouldn't write. The MCP still lists its write and delete tools\n\n## Other comparisons with Merge Accounting API or Xero API + MCP\n\n- [Apideck Accounting API + MCP vs Xero API + MCP](https://www.anchorterminal.com/compare/apideck-accounting-vs-xero.md)\n- [FreeAgent API vs Merge Accounting API](https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting.md)\n- [FreeAgent API vs Xero API + MCP](https://www.anchorterminal.com/compare/freeagent-vs-xero.md)\n- [FreshBooks API vs Merge Accounting API](https://www.anchorterminal.com/compare/freshbooks-vs-merge-accounting.md)\n- [FreshBooks API vs Xero API + MCP](https://www.anchorterminal.com/compare/freshbooks-vs-xero.md)\n- [Merge Accounting API vs QuickBooks Online API + MCP](https://www.anchorterminal.com/compare/merge-accounting-vs-quickbooks-online.md)\n- [QuickBooks Online API + MCP vs Xero API + MCP](https://www.anchorterminal.com/compare/quickbooks-online-vs-xero.md)\n- [Rutter Accounting API vs Xero API + MCP](https://www.anchorterminal.com/compare/rutter-vs-xero.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 Xero API + MCP](https://www.anchorterminal.com/compare/invoice-ninja-vs-xero.md)\n- [Apideck Accounting API + MCP vs Merge Accounting API](https://www.anchorterminal.com/compare/apideck-accounting-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": "2026-10-04", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.3", "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 Xero API + MCP", "url": "" } ], "description": "Merge Accounting API has a score of 70.2 (BB) against Xero API + MCP's 67.4 (B). Both do accounting ledger. The largest gap is reliability, 7 points. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Merge Accounting API BB 70.2", "Xero API + MCP B 67.4", "scores" ], "h1": "Merge Accounting API vs Xero API + MCP", "image": "https://www.anchorterminal.com/assets/og/compare-merge-accounting-vs-xero.png", "path": "/compare/merge-accounting-vs-xero", "published": "2026-10-01", "section": "tools", "title": "Merge Accounting API vs Xero API + MCP for AI agents | Anchor Terminal", "toc": null, "updated": "2026-10-04", "url": "https://www.anchorterminal.com/compare/merge-accounting-vs-xero" }, "tokens": { "markdown": 1500, "slim": 330 }, "version": 1 }