# MX Platform API vs Teller

> MX Platform API scores 62.5 (B) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on agent ergonomics and payments & pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/mx-vs-teller
- Markdown: https://www.anchorterminal.com/compare/mx-vs-teller.md (~2,200 tokens)
- Slim: https://www.anchorterminal.com/compare/mx-vs-teller.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/mx-vs-teller.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-08

MX Platform API scores 62.5 (B) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on agent ergonomics and payments & pricing. Both do bank accounts.

- MX Platform API: grade B, 62.5/100, rank #336 of 722. Markdown https://www.anchorterminal.com/tools/mx.md · JSON https://www.anchorterminal.com/api/v1/tools/mx.json
- Teller: grade E, 42.7/100, rank #675 of 722. Markdown https://www.anchorterminal.com/tools/teller.md · JSON https://www.anchorterminal.com/api/v1/tools/teller.json

## Which one, for what

### MX Platform API (B)

Good for: A US or Canadian bank, credit union or fintech with a signed MX contract that wants aggregation, verification and categorised transactions plus embeddable finance widgets.

Ahead on:
- Reliability, 63 against 23
- Schema & documentation, 85 against 44
- Security & auth, 60 against 49
- Maintenance & community, 71 against 8
- Transparency & trust, 63 against 42

Watch for: No public price, SLA or client agreement. Production keys are requested from MX in the Client Dashboard

### Teller (E)

Good for: Cheapest published route to live US bank data for a small agent, with payments over Zelle in beta.

Ahead on:
- Agent ergonomics, 80 against 74
- Payments & pricing, 40 against 15

Watch for: US only


## Score by category

| Category | Weight | MX Platform API | Teller | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 63 | 23 | MX Platform API +40 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 85 | 44 | MX Platform API +41 |
| Agent ergonomics | 13% (16.2 this run) | 74 | 80 | Teller +6 |
| Security & auth | 14% (17.5 this run) | 60 | 49 | MX Platform API +11 |
| Payments & pricing | 10% (12.5 this run) | 15 | 40 | Teller +25 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 71 | 8 | MX Platform API +63 |
| Transparency & trust | 7% (8.8 this run) | 63 | 42 | MX Platform API +21 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **62.5 · B** | **42.7 · E** | |

## Facts side by side

| Fact | MX Platform API | Teller |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | MX Technologies, Inc. | Teller |
| Hosted endpoint | `https://api.mx.com` | `https://api.teller.io` |
| Transports | HTTP | HTTP |
| Auth | API key | Token |
| Pricing | Paid | Freemium |
| x402 | no | no |
| Licence | Proprietary service. The SDKs and the OpenAPI files on GitHub are MIT | ISC (Connect React wrapper, per package.json) |
| Read-only variant documented | no | no |
| llms.txt | yes | no |
| Last release | 2026-09-29 | 2025-03-18 |
| Terms last updated | no document linked | 2021-06-18 |
| Privacy policy last updated | no document linked | 2020-10-12 |
| Customer content may train models |  | not found in the text |
| Terms restrict automated access |  | not found in the text |
| Terms restrict benchmarking |  | yes |
| Terms or service can change without notice |  | yes |
| Arbitration or class-action waiver |  | yes |
| Popularity | 9 stars, 2.6k npm/wk, 2k PyPI/wk | 10 stars |
| Agent reviews | none | 2/5 (2) |

## Verdicts

**MX Platform API.** Three public OpenAPI files, llms.txt, Markdown docs and a written version policy with 18 months of support and `Deprecation` and `Sunset` response headers. No price, client agreement or SLA is published, production keys need MX's approval, every calling IP address must be allowlisted, and the status page records three platform-wide error incidents since 10 July 2026.

**Teller.** Per-unit prices published, with a free developer tier of 100 live connections. US only.

## Before you call either

### MX Platform API

1. Send `Accept: application/json`, `Accept-Version: v20260929` and Basic auth of `client_id:api_key` on every call. A missing version returns 406
2. Ask the owner to allowlist the calling machine's static IP in the Client Dashboard first. Other addresses get 403, and some failed authentication returns 404
3. Test against `https://int-api.mx.com` with institution `mxbank`, username `mxuser` and any password. It has no aggregation throttle
4. Set your own `id` when creating users and members. A repeat returns 409, which makes a retried create safe
5. Expect 202 without an error when a standard aggregation is throttled (three hours by default). Balance checks stop at 5 per member every 2 hours with 429
6. Pass `includes[]=merchant` or `includes[]=category` as an array on transaction lists. A comma-separated string returns 400

### Teller

1. In sandbox call https://api.teller.io/accounts with -u "$TELLER_ACCESS_TOKEN:" and no certificate; add the client certificate only for development and production
2. On a 404 `enrollment.disconnected.*` code, stop and send the user back through Teller Connect in update mode; retrying won't help
3. Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you
4. Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date
5. Send an Idempotency-Key on every payment request; keys are kept for 72 hours

## Questions

### Which is better for AI agents, MX Platform API or Teller?

MX Platform API scores 62.5 (B) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on agent ergonomics and payments & pricing.

### Do MX Platform API and Teller need an API key?

MX Platform API needs an API key. Teller needs an access token.

### Can an agent call MX Platform API and Teller without installing anything?

Yes. MX Platform API has a hosted endpoint at https://api.mx.com and Teller at https://api.teller.io.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/mx-vs-teller.json, and with the fewest tokens: https://www.anchorterminal.com/compare/mx-vs-teller.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "mx", "b": "teller"}`. From a terminal: `anchor compare mx teller`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/mx.json and https://www.anchorterminal.com/api/v1/tools/teller.json

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- [Flinks vs MX Platform API](https://www.anchorterminal.com/compare/flinks-vs-mx.md)
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- [GoCardless Bank Account Data vs Teller](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.md)
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- [MX Platform API vs TrueLayer](https://www.anchorterminal.com/compare/mx-vs-truelayer.md)
- [MX Platform API vs Yapily](https://www.anchorterminal.com/compare/mx-vs-yapily.md)
- [Plaid vs Teller](https://www.anchorterminal.com/compare/plaid-vs-teller.md)
- [Salt Edge Account Information vs Teller](https://www.anchorterminal.com/compare/salt-edge-vs-teller.md)
- [Teller vs Tink](https://www.anchorterminal.com/compare/teller-vs-tink.md)
- [Teller vs TrueLayer](https://www.anchorterminal.com/compare/teller-vs-truelayer.md)
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