{ "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": 143, "ranked": true, "rankOf": 722, "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" }, "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": "2026-10-08T21:12:15.241022067Z", "lastOk": true, "lastStatus": 404, "lastMs": 682, "authRequired": false, "uptime24h": 100, "uptime30d": 99.9, "p50ms24h": 580, "p95ms24h": 1738, "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": 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": 239, "ok": 239 } ] }, "vendorStatus": { "page": "https://status.merge.dev", "indicator": "unknown", "summary": "no machine-readable status found", "checkedAt": "2026-10-08T19:38:46.749569649Z" }, "versions": [ { "registry": "github", "name": "merge-api/merge-python-client", "version": "v4.2.1", "released": "2026-10-05", "seenAt": "2026-10-08T16:20:23.169243825Z" }, { "registry": "npm", "name": "@mergeapi/merge-node-client", "version": "4.0.4", "seenAt": "2026-10-08T16:20:22.273866901Z" }, { "registry": "pypi", "name": "MergePythonClient", "version": "4.2.1", "released": "2026-10-05", "seenAt": "2026-10-08T16:20:21.996008845Z" } ], "githubStars": 14, "npmWeekly": 205864, "pypiWeekly": 211112, "securityTxt": { "url": "https://merge.dev/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-08T15:38:30.753415227Z" }, "llmsTxt": { "url": "https://docs.merge.dev/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-08T14:00:39.458493045Z" }, "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": "2026-10-08T18:29:08.263325763Z", "changedAt": "2026-10-06T16:15:59.61623974Z", "fingerprint": "f1874c8b7cc7" }, { "url": "https://www.merge.dev/pricing", "kind": "pricing", "status": 200, "checkedAt": "2026-10-08T18:29:15.873306545Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "7d9e39ad53d3" }, { "url": "https://www.merge.dev/legal/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:29:13.1375087Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "94b13e9b9b9d" }, { "url": "https://www.merge.dev/legal/terms", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:29:13.984068418Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "d729c69b95ee" } ], "updatedAt": "2026-10-08T21:12:15.241022067Z" } }, "answer": "Merge Accounting API scores 70 (BB) on agent readiness against Zoho Books's 61.1 (C), and leads in 5 of 7 scored categories. Zoho Books leads on transparency \u0026 trust.", "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": "Merge", "b": "Zoho", "name": "Vendor" }, { "a": "https://api.merge.dev/api/accounting/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": "MIT", "b": "Proprietary service under Zoho's Terms of Service", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-16", "b": "2026-10-07", "name": "Last release" }, { "a": "no date given", "b": "2022-03-02", "name": "Terms last updated" }, { "a": "2026-08-20", "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": "yes", "b": "not found in the text", "name": "Terms or service can change without notice" }, { "a": "yes", "b": "not found in the text", "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 Zoho Books's 61.1 (C), and leads in 5 of 7 scored categories. Zoho Books leads on transparency \u0026 trust.", "question": "Which is better for AI agents, Merge Accounting API or Zoho Books?" }, { "answer": "Merge Accounting API needs an API key. Zoho Books uses an OAuth sign-in.", "question": "Do Merge Accounting API and Zoho Books need an API key?" }, { "answer": "Yes. Merge Accounting API has a hosted endpoint at https://api.merge.dev/api/accounting/v1 and Zoho Books at https://www.zohoapis.com/books/v3.", "question": "Can an agent call Merge Accounting API and Zoho Books without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Schema \u0026 documentation, 86 against 71", "Agent ergonomics, 72 against 51", "Payments \u0026 pricing, 35 against 30", "Maintenance \u0026 community, 83 against 56" ], "also": [ "Agent-ready, a grade of BB or better" ], "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": [ "Transparency \u0026 trust, 75 against 68" ], "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.ledger", "name": "Accounting ledger" }, "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-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-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-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-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-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-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/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/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-zoho-books.json", "title": "Invoice Ninja API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books" }, { "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": 4, "edge": "merge-accounting", "key": "reliability", "merge-accounting": 75, "name": "Reliability", "weight": 16, "zoho-books": 71 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 15, "edge": "merge-accounting", "key": "schema", "merge-accounting": 86, "name": "Schema \u0026 documentation", "weight": 13, "zoho-books": 71 }, { "by": 21, "edge": "merge-accounting", "key": "ergonomics", "merge-accounting": 72, "name": "Agent ergonomics", "weight": 13, "zoho-books": 51 }, { "by": 1, "edge": "zoho-books", "key": "security", "merge-accounting": 67, "name": "Security \u0026 auth", "weight": 14, "zoho-books": 68 }, { "by": 5, "edge": "merge-accounting", "key": "payments", "merge-accounting": 35, "name": "Payments \u0026 pricing", "weight": 10, "zoho-books": 30 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 27, "edge": "merge-accounting", "key": "maintenance", "merge-accounting": 83, "name": "Maintenance \u0026 community", "weight": 7, "zoho-books": 56 }, { "by": 7, "edge": "zoho-books", "key": "transparency", "merge-accounting": 68, "name": "Transparency \u0026 trust", "weight": 7, "zoho-books": 75 } ], "summary": "Merge Accounting API scores 70 (BB) on agent readiness against Zoho Books's 61.1 (C), and leads in 5 of 7 scored categories. Zoho Books leads on transparency \u0026 trust. Both do accounting ledger.", "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.", "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/merge-accounting-vs-zoho-books", "json": "https://www.anchorterminal.com/compare/merge-accounting-vs-zoho-books.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/merge-accounting-vs-zoho-books.md", "slim": "https://www.anchorterminal.com/compare/merge-accounting-vs-zoho-books.min.md" }, "markdown": "Merge Accounting API scores 70 (BB) on agent readiness against Zoho Books's 61.1 (C), and leads in 5 of 7 scored categories. Zoho Books leads on transparency \u0026 trust. Both do accounting ledger.\n\n- Merge Accounting API: grade BB, 70/100, rank #143 of 722. Markdown https://www.anchorterminal.com/tools/merge-accounting.md · JSON https://www.anchorterminal.com/api/v1/tools/merge-accounting.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### 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- Schema \u0026 documentation, 86 against 71\n- Agent ergonomics, 72 against 51\n- Payments \u0026 pricing, 35 against 30\n- Maintenance \u0026 community, 83 against 56\n\nAlso in its favour:\n- Agent-ready, a grade of BB or better\n\nWatch for: Launch jumps from free to $650 a month at the fourth linked account\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- Transparency \u0026 trust, 75 against 68\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 | Merge Accounting API | Zoho Books | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 75 | 71 | Merge Accounting API +4 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 86 | 71 | Merge Accounting API +15 |\n| Agent ergonomics | 13% (16.2 this run) | 72 | 51 | Merge Accounting API +21 |\n| Security \u0026 auth | 14% (17.5 this run) | 67 | 68 | Zoho Books +1 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 35 | 30 | Merge Accounting 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 | Merge Accounting API +27 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 68 | 75 | Zoho Books +7 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **70 · BB** | **61.1 · C** | |\n\n## Facts side by side\n\n| Fact | Merge Accounting API | Zoho Books |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Merge | Zoho |\n| Hosted endpoint | `https://api.merge.dev/api/accounting/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 | MIT | Proprietary service under Zoho's Terms of Service |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-09-16 | 2026-10-07 |\n| Terms last updated | no date given | 2022-03-02 |\n| Privacy policy last updated | 2026-08-20 | 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 | yes | not found in the text |\n| Arbitration or class-action waiver | yes | not found in the text |\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**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### 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### 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, Merge Accounting API or Zoho Books?\n\nMerge Accounting API scores 70 (BB) on agent readiness against Zoho Books's 61.1 (C), and leads in 5 of 7 scored categories. Zoho Books leads on transparency \u0026 trust.\n\n### Do Merge Accounting API and Zoho Books need an API key?\n\nMerge Accounting API needs an API key. Zoho Books uses an OAuth sign-in.\n\n### Can an agent call Merge Accounting API and Zoho Books without installing anything?\n\nYes. Merge Accounting API has a hosted endpoint at https://api.merge.dev/api/accounting/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/merge-accounting-vs-zoho-books.json, and with the fewest tokens: https://www.anchorterminal.com/compare/merge-accounting-vs-zoho-books.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"merge-accounting\", \"b\": \"zoho-books\"}`. From a terminal: `anchor compare merge-accounting zoho-books`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/merge-accounting.json and https://www.anchorterminal.com/api/v1/tools/zoho-books.json\n\n## Other comparisons with Merge Accounting 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 Merge Accounting API](https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting.md)\n- [FreeAgent API vs Zoho Books](https://www.anchorterminal.com/compare/freeagent-vs-zoho-books.md)\n- [FreshBooks API vs Merge Accounting API](https://www.anchorterminal.com/compare/freshbooks-vs-merge-accounting.md)\n- [FreshBooks API vs Zoho Books](https://www.anchorterminal.com/compare/freshbooks-vs-zoho-books.md)\n- [Merge Accounting API vs Odoo External API](https://www.anchorterminal.com/compare/merge-accounting-vs-odoo.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- [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- [Invoice Ninja API vs Merge Accounting API](https://www.anchorterminal.com/compare/invoice-ninja-vs-merge-accounting.md)\n- [Invoice Ninja API vs Zoho Books](https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books.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": "2026-10-08", "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": "Merge Accounting API vs Zoho Books", "url": "" } ], "description": "Merge Accounting API scores 70 (BB) on agent readiness against Zoho Books's 61.1 (C), and leads in 5 of 7 scored categories. Zoho Books leads on transparency \u0026 trust. Both do accounting ledger. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Merge Accounting API BB 70", "Zoho Books C 61.1", "scores" ], "h1": "Merge Accounting API vs Zoho Books", "image": "https://www.anchorterminal.com/assets/og/compare-merge-accounting-vs-zoho-books.png", "path": "/compare/merge-accounting-vs-zoho-books", "published": "2026-10-01", "section": "tools", "title": "Merge Accounting API vs Zoho Books for AI agents, BB 70 vs C 61.1", "toc": null, "updated": "2026-10-08", "url": "https://www.anchorterminal.com/compare/merge-accounting-vs-zoho-books" }, "tokens": { "markdown": 2250, "slim": 680 }, "version": 1 }