{ "data": { "a": { "slug": "pennylane", "name": "Pennylane", "vendor": "Pennylane SAS", "vendorUrl": "https://www.pennylane.com", "kind": "http-api", "category": "accounting", "summary": "Pennylane is a French accounting and invoicing platform for companies and accounting firms. Its Company and Firm REST APIs cover invoices, supplier invoices, ledger entries, transactions and exports. A hosted read-only MCP server exposes the same books to AI assistants.", "url": "https://www.anchorterminal.com/tools/pennylane", "markdownUrl": "https://www.anchorterminal.com/tools/pennylane.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/pennylane.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/pennylane.json", "license": "Proprietary service under Pennylane's API agreement and customer terms", "transports": [ "http" ], "remoteUrl": "https://app.pennylane.com/api/external/v2", "packages": [], "auth": "mixed", "authNotes": "Bearer token on every call. Companies generate a Company API token under Settings, Connectivity, Developers, which needs the Essentiel plan or above and an admin role. Each token is tied to one company, is read only or read and write, expires after 1, 6 or 12 months or never, and can be deleted. Firms generate Firm API tokens. Integration partners use the OAuth 2.0 authorisation code grant after the Partnerships team issues a client ID and secret, with 24-hour access tokens and rotating 90-day refresh tokens. The MCP server uses OAuth 2.1 with PKCE and dynamic client registration, and the user signs in through a browser.", "pricing": "paid", "pricingNotes": "API and MCP access for companies needs the Essentiel plan or above, listed at 24 euros a month before VAT for one user on the pricing tab for sole traders and single-shareholder companies. Premium is 79 euros. Each plan has a 15-day trial with no commitment, and a sandbox can be created inside an account. Whether the trial needs a card and the prices for other company types were not established. Accounting firms get the MCP at no extra cost (https://www.pennylane.com/fr/tarifs, checked 2026-10-09).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the API docs, the MCP docs or the pricing page (checked 2026-10-09).", "endpoints": [] }, "toolCount": 31, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://pennylane.readme.io/docs/api-overview", "llmsTxt": "https://pennylane.readme.io/llms.txt", "capabilities": [ "accounting.ledger", "accounting.invoices", "accounting.bills", "accounting.reports" ], "tags": [ "hosted", "closed-source", "oauth", "openapi", "mcp", "llms-txt", "webhooks", "status-page" ], "lastRelease": "2026-09-30", "graded": true, "anchor": { "graded": true, "score": 66.3, "grade": "B", "agentReady": false, "rank": 297, "ranked": true, "rankOf": 950, "categoryRank": 4, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 66, "maintenance": 65, "payments": 20, "reliability": 75, "schema": 85, "security": 68, "transparency": 76 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": 0, "verdict": "The v2 API has per-resource read and write scopes, an OpenAPI definition on every reference page, llms.txt and a breaking-change process that ran over 24 weeks. Access needs a paid Essentiel plan or partner approval, creation endpoints are not idempotent, and the API agreement lets Pennylane change or revoke the API without notice.", "bestFor": "An agent working on the books of French companies or an accounting firm's client portfolio, with French chart of accounts, FEC export, Factur-X e-invoicing and VAT returns.", "strengths": [ "Scopes split each resource into `:readonly` and `:all`, for company tokens, firm tokens and OAuth apps", "Hosted MCP server at `https://mcp.pennylane.com/mcp` with 31 read-only tools, OAuth 2.1 with PKCE and dynamic client registration", "OpenAPI 3.0.1 definitions on each reference page, an llms.txt index and Markdown twins of every docs page", "The 2026 breaking changes ran in three phases over 24 weeks with an opt-in header, ending 1 July 2026", "ISO 27001 certificate published, EU hosting on AWS in Ireland, and a dated sub-processor list with 30 days' notice of additions" ], "weaknesses": [ "The API agreement allows changes, suspension or revocation with or without notice and supplies the API as is", "Creation endpoints do not enforce idempotency, except supplier invoice imports", "API and MCP access for companies starts at the Essentiel plan, and OAuth apps need approval from the Partnerships team", "No official SDK was found, and the MCP server is not in the official MCP registry", "No security.txt, bug bounty or published disclosure policy was found", "The API agreement grants Pennylane an exclusive licence over API integrations and their source code on request" ], "agentNotes": [ "Call `GET https://app.pennylane.com/api/external/v2/me` first to confirm the token, user and company context", "Stay under 25 requests per 5 seconds per token and wait for the `retry-after` value on a 429", "Do not retry a create after a timeout without checking first. Only supplier invoice imports are deduplicated", "Send `filter` and `sort` again with every `cursor`. The cursor stores position only", "Send amounts as strings such as \"120.00\", and ask for `:readonly` scopes when the task only reads", "Use the MCP server for reads only. It cannot create, edit or delete, and firm connections need `company_id`" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 66.3 } ], "editorialScores": { "ergonomics": 66, "maintenance": 65, "payments": 20, "reliability": 75, "schema": 85, "security": 68, "transparency": 71 }, "provenanceScore": 80 }, "connect": { "http": "curl https://app.pennylane.com/api/external/v2/me \\\n -H \"Authorization: Bearer $PENNYLANE_API_TOKEN\"", "claudeCode": "claude mcp add --transport http pennylane https://mcp.pennylane.com/mcp", "config": { "mcpServers": { "pennylane": { "url": "https://mcp.pennylane.com/mcp" } } } }, "letme": { "capability": "https://letme.dev/accounting.ledger", "tool": "https://letme.dev/pennylane" }, "area": "domain-data", "provenance": { "legalEntity": "Pennylane SAS", "domain": "pennylane.com", "domainRegistered": "1998-09-23", "endpointOnVendorDomain": true, "terms": "https://pennylane.readme.io/page/api-contract-terms", "privacy": "https://www.pennylane.com/fr/legal/privacy", "statusPage": "https://status.pennylane.com", "changelog": "https://pennylane.readme.io/changelog", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The legal notice (updated 8 September 2026) names Pennylane, a société par actions simplifiée, SIREN 880 265 921 RCS Paris, 2-4 rue Jules Lefebvre, 75009 Paris. Pennylane GmbH sells the product in Germany.", "The API agreement (API Contract terms, last updated January 2024) governs API use and is cited by clause 26.9 of the customer terms. It gives a registered office in Cherbourg-en-Cotentin, which differs from the Paris address in the customer terms and legal notice.", "The customer terms for companies (version of 16 December 2025) are a PDF linked from https://www.pennylane.com/fr/conditions-generales, with the data processing agreement and the SLA as annexes.", "The privacy policy (updated 30 January 2026) covers processing where Pennylane is controller. Processing as processor is governed by the data processing agreement annexed to the customer terms.", "www.pennylane.com/.well-known/security.txt returns 404.", "The API answers on app.pennylane.com and the MCP server on mcp.pennylane.com. The API docs are hosted on pennylane.readme.io.", "RDAP for pennylane.com gives a registration date of 1998-09-23." ], "score": 80 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/pennylane.json", "live": { "slug": "pennylane", "probe": { "target": "https://app.pennylane.com/api/external/v2", "method": "get", "lastAt": "2026-10-10T02:07:20.006934907Z", "lastOk": true, "lastStatus": 200, "lastMs": 86, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 111, "p95ms24h": 670, "samples24h": 107, "samples30d": 107, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 85 }, { "date": "2026-10-10", "probes": 22, "ok": 22 } ] }, "vendorStatus": { "page": "https://status.pennylane.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-10T02:06:22.892177668Z" }, "pages": [ { "url": "https://pennylane.readme.io/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:43:10.597188172Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "baba0cf1ecaa" }, { "url": "https://www.pennylane.com/fr/legal/privacy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:52:57.370338236Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "2e89b0e31f0b" }, { "url": "https://pennylane.readme.io/page/api-contract-terms", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:43:13.114667877Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "7815b7f4ccf6" } ], "updatedAt": "2026-10-10T02:07:20.006934907Z" } }, "answer": "Pennylane scores 66.3 (B) on agent readiness against Rutter Accounting API's 55.6 (C), and leads in 5 of 7 scored categories.", "b": { "slug": "rutter", "name": "Rutter Accounting API", "vendor": "Rutter", "vendorUrl": "https://www.rutter.com", "kind": "http-api", "category": "accounting", "summary": "Unified API for accounting, commerce and payment platforms, aimed at lenders and financial software developers.", "url": "https://www.anchorterminal.com/tools/rutter", "markdownUrl": "https://www.anchorterminal.com/tools/rutter.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/rutter.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/rutter.json", "transports": [ "http" ], "remoteUrl": "https://production.rutterapi.com/versioned", "packages": [], "auth": "api-key", "authNotes": "HTTP Basic auth with your client_id and client_secret, plus an `access_token` query parameter naming the connection, which you get from the Exchange Tokens endpoint after a user links through Rutter Link. Every call needs an `X-Rutter-Version` header (2024-08-31 is current). The sandbox at sandbox.rutterapi.com uses the same scheme.", "pricing": "paid", "pricingNotes": "A free starter plan gives sandbox data and a 30-day trial for a proof of concept against QuickBooks, Xero, FreshBooks and Zoho Books, with no card. Production access to every platform, including NetSuite, QuickBooks Desktop and Sage Intacct, is a custom quote from sales, with a 99.9 per cent monthly uptime SLA and one-hour response on critical issues. No per-connection price is published (https://www.rutter.com/pricing).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://docs.rutter.com/rest/2024-08-31/basics", "openapi": "https://docs.rutter.com/rest/2024-08-31/spec", "capabilities": [ "accounting.unified", "accounting.ledger", "accounting.invoices", "accounting.bills", "accounting.reports" ], "tags": [ "hosted", "paid", "no-card", "openapi", "webhooks", "async-jobs", "enterprise", "status-page", "closed-source" ], "lastRelease": "2026-09-24", "graded": true, "anchor": { "graded": true, "score": 55.6, "grade": "C", "agentReady": false, "rank": 653, "ranked": true, "rankOf": 950, "categoryRank": 9, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 67, "maintenance": 62, "payments": 20, "reliability": 67, "schema": 79, "security": 36, "transparency": 48 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "Idempotency-Key header on writes, and prefer_sync writes that fall back to async after 30 seconds. Production prices are quote-only.", "bestFor": "Lenders, spend-management and fintech products that read ledgers alongside commerce and payment platforms, and that need writes an agent can retry safely.", "strengths": [ "Idempotency-Key header on writes, and prefer_sync writes that fall back to async after 30 seconds", "Error codes 450, 451, 452 and 550 that separate the platform's failure from Rutter's", "OpenAPI spec per dated API version, with an upgrade guide listing breaking changes", "30-day sandbox trial with QuickBooks, Xero, FreshBooks and Zoho Books, no card", "99.9 per cent monthly uptime SLA published on the pricing page" ], "weaknesses": [ "Production prices are quote-only", "Terms and privacy policy are Google Drive PDFs, and no legal entity is named on the site", "The per-connection access_token travels as a URL query parameter", "Four API incidents in September 2026, including about 25 hours of high latency and errors on 3 and 4 September", "No SDK, llms.txt or MCP server from the vendor" ], "agentNotes": [ "Send X-Rutter-Version: 2024-08-31 on every call", "Send an Idempotency-Key on every create so a retry after a timeout doesn't write twice", "Use response_mode=prefer_sync and handle the 202 async_response anyway", "Treat 452 as the ledger throttling you and 429 as Rutter's 500-per-10-seconds organisation limit", "Keep access_token out of logged URLs. The docs only show it as a query parameter" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 3, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 55.6 } ], "editorialScores": { "ergonomics": 67, "maintenance": 62, "payments": 20, "reliability": 67, "schema": 79, "security": 36, "transparency": 26 }, "provenanceScore": 69 }, "connect": { "http": "curl \"https://sandbox.rutterapi.com/versioned/accounting/invoices?access_token=$RUTTER_ACCESS_TOKEN\" \\\n -u \"$RUTTER_CLIENT_ID:$RUTTER_CLIENT_SECRET\" -H \"X-Rutter-Version: 2024-08-31\"" }, "letme": { "capability": "https://letme.dev/accounting.unified", "tool": "https://letme.dev/rutter" }, "area": "domain-data", "provenance": { "legalEntity": "Rutter", "domain": "rutter.com", "domainRegistered": "1996-10-28", "domainNote": "rutter.com was registered in 1996, long before the company, so the domain was bought later. The API runs on rutterapi.com.", "endpointOnVendorDomain": false, "terms": "https://drive.google.com/file/d/1J77WNI4JS_WjFiXn9NgQVBy_N_unqpCn/view", "privacy": "https://drive.google.com/file/d/1uZ76Be9jAih5g8kj8bKEAApCnMb6TQVL/view", "statusPage": "https://status.rutterapi.com", "changelog": "https://docs.rutter.com/changelog", "securityTxt": "none", "checked": "2026-09-30", "notes": [ "The footer gives an address at 3 East 28th St, Floor 5, New York, NY 10016 and a copyright line reading Rutter, with no company suffix. We couldn't read the Google Drive PDFs to confirm the legal name.", "The API and status page live on rutterapi.com while the site and docs are on rutter.com. Both are the vendor's.", "A trust centre at trust.rutter.com holds the security documentation." ], "score": 69 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/rutter.json", "live": { "slug": "rutter", "probe": { "target": "https://production.rutterapi.com/versioned", "method": "get", "lastAt": "2026-10-10T02:07:23.336939826Z", "lastOk": true, "lastStatus": 401, "lastMs": 1378, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 325, "p95ms24h": 1308, "samples24h": 250, "samples30d": 2256, "days": [ { "date": "2026-10-01", "probes": 109, "ok": 109 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 268, "ok": 268 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 22, "ok": 22 } ] }, "vendorStatus": { "page": "https://status.rutterapi.com", "indicator": "minor", "summary": "Partially Degraded Service", "checkedAt": "2026-10-10T02:06:26.906151633Z" }, "securityTxt": { "url": "https://rutter.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-09T15:40:11.644287705Z" }, "domain": { "domain": "rutter.com", "registered": "1996-10-28", "source": "https://rdap.verisign.com/com/v1/domain/rutter.com", "checkedAt": "2026-10-04T13:03:31.134242543Z" }, "pages": [ { "url": "https://docs.rutter.com/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:38:13.557677415Z", "changedAt": "2026-10-09T18:38:13.557677415Z", "fingerprint": "7b9f6db0a762" }, { "url": "https://www.rutter.com/pricing", "kind": "pricing", "status": 304, "checkedAt": "2026-10-09T18:53:41.194225299Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "4091577edbf3" }, { "url": "https://drive.google.com/file/d/1uZ76Be9jAih5g8kj8bKEAApCnMb6TQVL/view", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:39:01.958023698Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "d009b71cc585" }, { "url": "https://drive.google.com/file/d/1J77WNI4JS_WjFiXn9NgQVBy_N_unqpCn/view", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:38:57.471182262Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "ca761d70fc05" } ], "updatedAt": "2026-10-10T02:07:23.336939826Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Pennylane SAS", "b": "Rutter", "name": "Vendor" }, { "a": "https://app.pennylane.com/api/external/v2", "b": "https://production.rutterapi.com/versioned", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "API key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under Pennylane's API agreement and customer terms", "b": "none", "name": "Licence" }, { "a": "31", "b": "none", "name": "Tools exposed" }, { "a": "yes", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "no", "name": "llms.txt" }, { "a": "2026-09-30", "b": "2026-09-24", "name": "Last release" }, { "a": "no date given", "b": "couldn't be read", "name": "Terms last updated" }, { "a": "no date given", "b": "couldn't be read", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Terms restrict automated access" }, { "a": "yes", "b": "couldn't be read", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "couldn't be read", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Arbitration or class-action waiver" }, { "a": "none", "b": "3/5 (2)", "name": "Agent reviews" } ], "faq": [ { "answer": "Pennylane scores 66.3 (B) on agent readiness against Rutter Accounting API's 55.6 (C), and leads in 5 of 7 scored categories.", "question": "Which is better for AI agents, Pennylane or Rutter Accounting API?" }, { "answer": "Pennylane takes an API key or an OAuth sign-in. Rutter Accounting API needs an API key.", "question": "Do Pennylane and Rutter Accounting API need an API key?" }, { "answer": "Yes. Pennylane has a hosted endpoint at https://app.pennylane.com/api/external/v2 and Rutter Accounting API at https://production.rutterapi.com/versioned.", "question": "Can an agent call Pennylane and Rutter Accounting API without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 75 against 67", "Schema \u0026 documentation, 85 against 79", "Security \u0026 auth, 68 against 36", "Transparency \u0026 trust, 76 against 48" ], "also": null, "goodFor": "An agent working on the books of French companies or an accounting firm's client portfolio, with French chart of accounts, FEC export, Factur-X e-invoicing and VAT returns.", "slug": "pennylane", "watchFor": "The API agreement allows changes, suspension or revocation with or without notice and supplies the API as is" }, { "aheadOn": null, "also": [ "Free to start without a card" ], "goodFor": "Lenders, spend-management and fintech products that read ledgers alongside commerce and payment platforms, and that need writes an agent can retry safely.", "slug": "rutter", "watchFor": "Production prices are quote-only" } ], "job": { "capability": "accounting.ledger", "name": "Accounting ledgers" }, "others": [ { "json": "https://www.anchorterminal.com/compare/apideck-accounting-vs-pennylane.json", "title": "Apideck Accounting API + MCP vs Pennylane", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-pennylane.json", "title": "Codat vs Pennylane", "url": "https://www.anchorterminal.com/compare/codat-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-pennylane.json", "title": "FreeAgent API vs Pennylane", "url": "https://www.anchorterminal.com/compare/freeagent-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-rutter.json", "title": "FreeAgent API vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/freeagent-vs-rutter" }, { "json": "https://www.anchorterminal.com/compare/freshbooks-vs-pennylane.json", "title": "FreshBooks API vs Pennylane", "url": "https://www.anchorterminal.com/compare/freshbooks-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/freshbooks-vs-rutter.json", "title": "FreshBooks API vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/freshbooks-vs-rutter" }, { "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/odoo-vs-pennylane.json", "title": "Odoo External API vs Pennylane", "url": "https://www.anchorterminal.com/compare/odoo-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/odoo-vs-rutter.json", "title": "Odoo External API vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/odoo-vs-rutter" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-quickbooks-online.json", "title": "Pennylane vs QuickBooks Online API + MCP", "url": "https://www.anchorterminal.com/compare/pennylane-vs-quickbooks-online" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-xero.json", "title": "Pennylane vs Xero API + MCP", "url": "https://www.anchorterminal.com/compare/pennylane-vs-xero" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-zoho-books.json", "title": "Pennylane vs Zoho Books", "url": "https://www.anchorterminal.com/compare/pennylane-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/quickbooks-online-vs-rutter.json", "title": "QuickBooks Online API + MCP vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/quickbooks-online-vs-rutter" }, { "json": "https://www.anchorterminal.com/compare/rutter-vs-xero.json", "title": "Rutter Accounting API vs Xero API + MCP", "url": "https://www.anchorterminal.com/compare/rutter-vs-xero" }, { "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/invoice-ninja-vs-pennylane.json", "title": "Invoice Ninja API vs Pennylane", "url": "https://www.anchorterminal.com/compare/invoice-ninja-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/invoice-ninja-vs-rutter.json", "title": "Invoice Ninja API vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/invoice-ninja-vs-rutter" }, { "json": "https://www.anchorterminal.com/compare/apideck-accounting-vs-rutter.json", "title": "Apideck Accounting API + MCP vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-rutter" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-rutter.json", "title": "Codat vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/codat-vs-rutter" }, { "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": 8, "edge": "pennylane", "key": "reliability", "name": "Reliability", "pennylane": 75, "rutter": 67, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 6, "edge": "pennylane", "key": "schema", "name": "Schema \u0026 documentation", "pennylane": 85, "rutter": 79, "weight": 13 }, { "by": 1, "edge": "rutter", "key": "ergonomics", "name": "Agent ergonomics", "pennylane": 66, "rutter": 67, "weight": 13 }, { "by": 32, "edge": "pennylane", "key": "security", "name": "Security \u0026 auth", "pennylane": 68, "rutter": 36, "weight": 14 }, { "by": 0, "edge": "", "key": "payments", "name": "Payments \u0026 pricing", "pennylane": 20, "rutter": 20, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 3, "edge": "pennylane", "key": "maintenance", "name": "Maintenance \u0026 community", "pennylane": 65, "rutter": 62, "weight": 7 }, { "by": 28, "edge": "pennylane", "key": "transparency", "name": "Transparency \u0026 trust", "pennylane": 76, "rutter": 48, "weight": 7 } ], "summary": "Pennylane scores 66.3 (B) on agent readiness against Rutter Accounting API's 55.6 (C), and leads in 5 of 7 scored categories. Both do accounting ledgers.", "verdicts": { "pennylane": "The v2 API has per-resource read and write scopes, an OpenAPI definition on every reference page, llms.txt and a breaking-change process that ran over 24 weeks. Access needs a paid Essentiel plan or partner approval, creation endpoints are not idempotent, and the API agreement lets Pennylane change or revoke the API without notice.", "rutter": "Idempotency-Key header on writes, and prefer_sync writes that fall back to async after 30 seconds. Production prices are quote-only." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/pennylane-vs-rutter", "json": "https://www.anchorterminal.com/compare/pennylane-vs-rutter.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/pennylane-vs-rutter.md", "slim": "https://www.anchorterminal.com/compare/pennylane-vs-rutter.min.md" }, "markdown": "Pennylane scores 66.3 (B) on agent readiness against Rutter Accounting API's 55.6 (C), and leads in 5 of 7 scored categories. Both do accounting ledgers.\n\n- Pennylane: grade B, 66.3/100, rank #297 of 950. Markdown https://www.anchorterminal.com/tools/pennylane.md · JSON https://www.anchorterminal.com/api/v1/tools/pennylane.json\n- Rutter Accounting API: grade C, 55.6/100, rank #653 of 950. Markdown https://www.anchorterminal.com/tools/rutter.md · JSON https://www.anchorterminal.com/api/v1/tools/rutter.json\n- Best accounting and invoicing APIs for AI agents: https://www.anchorterminal.com/best/accounting/index.md\n- All 66 accounting comparisons: https://www.anchorterminal.com/compare/accounting/index.md\n\n## Which one, for what\n\n### Pennylane (B)\n\nGood for: An agent working on the books of French companies or an accounting firm's client portfolio, with French chart of accounts, FEC export, Factur-X e-invoicing and VAT returns.\n\nAhead on:\n- Reliability, 75 against 67\n- Schema \u0026 documentation, 85 against 79\n- Security \u0026 auth, 68 against 36\n- Transparency \u0026 trust, 76 against 48\n\nWatch for: The API agreement allows changes, suspension or revocation with or without notice and supplies the API as is\n\n### Rutter Accounting API (C)\n\nGood for: Lenders, spend-management and fintech products that read ledgers alongside commerce and payment platforms, and that need writes an agent can retry safely.\n\nAlso in its favour:\n- Free to start without a card\n\nWatch for: Production prices are quote-only\n\n\n## Score by category\n\n| Category | Weight | Pennylane | Rutter Accounting API | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 75 | 67 | Pennylane +8 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 85 | 79 | Pennylane +6 |\n| Agent ergonomics | 13% (16.2 this run) | 66 | 67 | Rutter Accounting API +1 |\n| Security \u0026 auth | 14% (17.5 this run) | 68 | 36 | Pennylane +32 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 20 | even |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 65 | 62 | Pennylane +3 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 76 | 48 | Pennylane +28 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **66.3 · B** | **55.6 · C** | |\n\n## Facts side by side\n\n| Fact | Pennylane | Rutter Accounting API |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Pennylane SAS | Rutter |\n| Hosted endpoint | `https://app.pennylane.com/api/external/v2` | `https://production.rutterapi.com/versioned` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth or key | API key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under Pennylane's API agreement and customer terms | none |\n| Tools exposed | 31 | none |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | no |\n| Last release | 2026-09-30 | 2026-09-24 |\n| Terms last updated | no date given | couldn't be read |\n| Privacy policy last updated | no date given | couldn't be read |\n| Customer content may train models | not found in the text | couldn't be read |\n| Terms restrict automated access | not found in the text | couldn't be read |\n| Terms restrict benchmarking | yes | couldn't be read |\n| Terms or service can change without notice | yes | couldn't be read |\n| Arbitration or class-action waiver | not found in the text | couldn't be read |\n| Agent reviews | none | 3/5 (2) |\n\n## Verdicts\n\n**Pennylane.** The v2 API has per-resource read and write scopes, an OpenAPI definition on every reference page, llms.txt and a breaking-change process that ran over 24 weeks. Access needs a paid Essentiel plan or partner approval, creation endpoints are not idempotent, and the API agreement lets Pennylane change or revoke the API without notice.\n\n**Rutter Accounting API.** Idempotency-Key header on writes, and prefer_sync writes that fall back to async after 30 seconds. Production prices are quote-only.\n\n## Before you call either\n\n### Pennylane\n\n1. Call `GET https://app.pennylane.com/api/external/v2/me` first to confirm the token, user and company context\n2. Stay under 25 requests per 5 seconds per token and wait for the `retry-after` value on a 429\n3. Do not retry a create after a timeout without checking first. Only supplier invoice imports are deduplicated\n4. Send `filter` and `sort` again with every `cursor`. The cursor stores position only\n5. Send amounts as strings such as \"120.00\", and ask for `:readonly` scopes when the task only reads\n6. Use the MCP server for reads only. It cannot create, edit or delete, and firm connections need `company_id`\n\n### Rutter Accounting API\n\n1. Send X-Rutter-Version: 2024-08-31 on every call\n2. Send an Idempotency-Key on every create so a retry after a timeout doesn't write twice\n3. Use response_mode=prefer_sync and handle the 202 async_response anyway\n4. Treat 452 as the ledger throttling you and 429 as Rutter's 500-per-10-seconds organisation limit\n5. Keep access_token out of logged URLs. The docs only show it as a query parameter\n\n## Questions\n\n### Which is better for AI agents, Pennylane or Rutter Accounting API?\n\nPennylane scores 66.3 (B) on agent readiness against Rutter Accounting API's 55.6 (C), and leads in 5 of 7 scored categories.\n\n### Do Pennylane and Rutter Accounting API need an API key?\n\nPennylane takes an API key or an OAuth sign-in. Rutter Accounting API needs an API key.\n\n### Can an agent call Pennylane and Rutter Accounting API without installing anything?\n\nYes. Pennylane has a hosted endpoint at https://app.pennylane.com/api/external/v2 and Rutter Accounting API at https://production.rutterapi.com/versioned.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/pennylane-vs-rutter.json, and with the fewest tokens: https://www.anchorterminal.com/compare/pennylane-vs-rutter.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"pennylane\", \"b\": \"rutter\"}`. From a terminal: `anchor compare pennylane rutter`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/pennylane.json and https://www.anchorterminal.com/api/v1/tools/rutter.json\n\n## Other comparisons with Pennylane or Rutter Accounting API\n\n- [Apideck Accounting API + MCP vs Pennylane](https://www.anchorterminal.com/compare/apideck-accounting-vs-pennylane.md)\n- [Codat vs Pennylane](https://www.anchorterminal.com/compare/codat-vs-pennylane.md)\n- [FreeAgent API vs Pennylane](https://www.anchorterminal.com/compare/freeagent-vs-pennylane.md)\n- [FreeAgent API vs Rutter Accounting API](https://www.anchorterminal.com/compare/freeagent-vs-rutter.md)\n- [FreshBooks API vs Pennylane](https://www.anchorterminal.com/compare/freshbooks-vs-pennylane.md)\n- [FreshBooks API vs Rutter Accounting API](https://www.anchorterminal.com/compare/freshbooks-vs-rutter.md)\n- [Merge Accounting API vs Pennylane](https://www.anchorterminal.com/compare/merge-accounting-vs-pennylane.md)\n- [Odoo External API vs Pennylane](https://www.anchorterminal.com/compare/odoo-vs-pennylane.md)\n- [Odoo External API vs Rutter Accounting API](https://www.anchorterminal.com/compare/odoo-vs-rutter.md)\n- [Pennylane vs QuickBooks Online API + MCP](https://www.anchorterminal.com/compare/pennylane-vs-quickbooks-online.md)\n- [Pennylane vs Xero API + MCP](https://www.anchorterminal.com/compare/pennylane-vs-xero.md)\n- [Pennylane vs Zoho Books](https://www.anchorterminal.com/compare/pennylane-vs-zoho-books.md)\n- [QuickBooks Online API + MCP vs Rutter Accounting API](https://www.anchorterminal.com/compare/quickbooks-online-vs-rutter.md)\n- [Rutter Accounting API vs Xero API + MCP](https://www.anchorterminal.com/compare/rutter-vs-xero.md)\n- [Rutter Accounting API vs Zoho Books](https://www.anchorterminal.com/compare/rutter-vs-zoho-books.md)\n- [Invoice Ninja API vs Pennylane](https://www.anchorterminal.com/compare/invoice-ninja-vs-pennylane.md)\n- [Invoice Ninja API vs Rutter Accounting API](https://www.anchorterminal.com/compare/invoice-ninja-vs-rutter.md)\n- [Apideck Accounting API + MCP vs Rutter Accounting API](https://www.anchorterminal.com/compare/apideck-accounting-vs-rutter.md)\n- [Codat vs Rutter Accounting API](https://www.anchorterminal.com/compare/codat-vs-rutter.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": "Pennylane vs Rutter Accounting API", "url": "" } ], "description": "Pennylane scores 66.3 (B) to Rutter Accounting's 55.6 (C) for accounting ledgers. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Pennylane B 66.3", "Rutter Accounting API C 55.6", "scores" ], "h1": "Pennylane vs Rutter Accounting API", "image": "https://www.anchorterminal.com/assets/og/compare-pennylane-vs-rutter.png", "path": "/compare/pennylane-vs-rutter", "published": "2026-10-01", "section": "tools", "title": "Pennylane vs Rutter Accounting for AI agents (2026) | Anchor Terminal", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/pennylane-vs-rutter" }, "tokens": { "markdown": 2300, "slim": 680 }, "version": 1 }