{ "data": { "a": { "slug": "worklio", "name": "Worklio", "vendor": "Worklio, Inc.", "vendorUrl": "https://www.worklio.com", "kind": "http-api", "category": "payroll", "summary": "Embedded US payroll from Worklio, Inc. for software platforms, PEOs and payroll bureaus. A partner's backend creates companies and workers, runs payroll in steps and reads tax forms through a REST API, with white-label screens as an alternative.", "url": "https://www.anchorterminal.com/tools/worklio", "markdownUrl": "https://www.anchorterminal.com/tools/worklio.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/worklio.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/worklio.json", "license": "Proprietary service. The public Terms of Use date from 2014 and the partner agreement isn't public. The front-end library sits in a private repository", "transports": [ "http" ], "remoteUrl": "https://api.worklio.com", "packages": [], "auth": "oauth", "authNotes": "Every call takes a bearer JWT from `POST https://api.worklio.com/connect/token`. In the sandbox a developer registers at apiweb.worklio.com/RegisterDeveloper and uses the password grant with the account's username and password, scope `api`, and a client secret the docs print and describe as shared by all sandbox users. Tokens last 24 hours. Browser apps use an OpenID Connect redirect flow through `@worklio/sdk`, which isn't published and is requested from support. Production credentials, single sign-on and allowed origins are set up by Worklio. A System user has full rights over every company it created. This is embedded-payroll partner access, with no route into an employer's payroll account elsewhere.", "pricing": "paid", "pricingNotes": "A partner's price is set in its agreement and isn't public. The partner pages publish retail list prices per person per month ($10 for Full-Service Payroll, $81 for all 19 modules) and call them illustrative, not a quote, with base, setup and per-use fees excluded. The sandbox is self-serve after developer registration, so an agent's owner can start without a contract. Whether registration asks for a card was not read, because apiweb.worklio.com disallows crawlers (checked 2026-10-09).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the reference pages read or the website (checked 2026-10-09).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://apidocs.worklio.com/docs/overview", "llmsTxt": "https://apidocs.worklio.com/llms.txt", "capabilities": [ "payroll.run", "payroll.embedded", "payroll.employees", "payroll.tax-filing", "payroll.contractors" ], "tags": [ "hosted", "closed-source", "oauth", "openapi", "llms-txt", "webhooks", "sandbox", "partner-access", "soc2", "iso27001" ], "lastRelease": "2026-06-30", "graded": true, "anchor": { "graded": true, "score": 38.6, "grade": "E", "agentReady": false, "rank": 812, "ranked": true, "rankOf": 842, "categoryRank": 10, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 44, "maintenance": 25, "payments": 25, "reliability": 25, "schema": 71, "security": 48, "transparency": 48 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": -3, "negativeNotes": [ "30 June 2026. The changelog entry that announces the reworked Time-Off Requests API says the older `timeoffrequests` routes were replaced by hyphenated routes and tells integrators to update, in the same note and with no earlier notice found. Whether partners were told privately is unknown, so the smallest deduction applies (-3). https://apidocs.worklio.com/changelog/v1-api-updates" ], "verdict": "Worklio documents 853 REST operations with an OpenAPI fragment on every reference page, and a developer can register for the sandbox without a sales call. No rate limits or public SDK were found, the status page is password protected, and the payroll guide tells callers to treat an HTTP 500 as the signal to finalise.", "bestFor": "A software platform, PEO or payroll bureau that wants to sell US payroll under its own brand and can sign a partner agreement, with Worklio handling tax filing and money movement.", "strengths": [ "853 documented operations across 17 API groups, each reference page carrying an OpenAPI 3.0.4 fragment, plus llms.txt and a Markdown copy of every docs page", "Sandbox access is self-serve. A developer registers, uses a shared sandbox client secret printed in the docs and gets a bearer token", "A payroll run moves through steps with next, previous, discard, lock and finalise calls, and starting a scheduled run twice returns the same run", "Every operation states which user levels may call it (System, Admin, ClientAdmin, Employee, or anonymous with a link token)", "The security page claims SOC 2 Type 2, ISO 27001, ISO 27018 and ISO 9001, with third-party penetration testing" ], "weaknesses": [ "No rate limits, 429 handling or idempotency keys were found in the reviewed documentation", "status.worklio.com asks for a password, so no public incident history exists", "The Run Payroll guide says the `next` call answers HTTP 500 with an untranslated message when a run is ready to finalise", "No public SDK. `@worklio/sdk` and the component library sit in a private repository granted through support", "The public Terms of Use are dated 21 December 2014 and describe a small-business HR site. The partner agreement and production prices aren't public" ], "agentNotes": [ "Send `api-version: 2.0` on `/wep` calls. The reference marks the header as required", "Get a token from `POST https://api.worklio.com/connect/token` with the password grant and scope `api`. It lasts 24 hours, so fetch a new one daily", "Run payroll as start, `next` until it answers 500 with \"Next step operation is not allowed\", then `finalize`. Don't treat that 500 as a failure", "Don't retry bonus, off-cycle, void or termination payroll starts blindly. The reference says those calls are not idempotent", "Most `/wep` list endpoints return the whole result set. Paging, `filter` and `sort` work only under `/api/public`, and a `DataToken` expires after 60 seconds" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 38.6 } ], "editorialScores": { "ergonomics": 44, "maintenance": 25, "payments": 25, "reliability": 25, "schema": 71, "security": 48, "transparency": 28 }, "provenanceScore": 67 }, "connect": { "http": "curl -s -X POST \"https://api.worklio.com/connect/token\" \\\n -H \"accept: application/json\" \\\n -H \"content-type: application/x-www-form-urlencoded\" \\\n --data-urlencode \"grant_type=password\" \\\n --data-urlencode \"username=$WORKLIO_USERNAME\" \\\n --data-urlencode \"password=$WORKLIO_PASSWORD\" \\\n --data-urlencode \"scope=api\" \\\n --data-urlencode \"client_id=wep_resourceowner.public.api\" \\\n --data-urlencode \"client_secret=$WORKLIO_CLIENT_SECRET\"" }, "letme": { "capability": "https://letme.dev/payroll.run", "tool": "https://letme.dev/worklio" }, "area": "domain-data", "provenance": { "legalEntity": "Worklio, Inc.", "domain": "worklio.com", "domainRegistered": "2015-03-10", "endpointOnVendorDomain": true, "terms": "", "privacy": "https://www.worklio.com/privacy", "statusPage": "", "changelog": "https://apidocs.worklio.com/changelog", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The site footer reads \"© 2026 Worklio, Inc.\". The about page says Worklio LLC was established in 2017. No postal address was found on the pages read.", "No terms link is given. The only public terms are the Terms of Use at www.worklio.com/terms, last updated 21 December 2014, which describe an HR site for small businesses and predate the embedded API. The partner agreement that governs API use isn't public.", "www.worklio.com/privacy embeds a policy hosted at www.iubenda.com/privacy-policy/25719508. iubenda's robots.txt disallows that path, so the policy text was not read.", "status.worklio.com exists (an UptimeRobot page) and answers \"This status page is password protected\", so it is not recorded as a public status page.", "www.worklio.com/.well-known/security.txt returns 404.", "The changelog holds two entries, both dated 30 June 2026.", "RDAP for worklio.com gives a registration date of 2015-03-10." ], "score": 67 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/worklio.json", "live": { "slug": "worklio", "probe": { "target": "https://api.worklio.com", "method": "get", "lastAt": "2026-10-09T11:46:46.158238844Z", "lastOk": true, "lastStatus": 404, "lastMs": 458, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 471, "p95ms24h": 528, "samples24h": 44, "samples30d": 44, "days": [ { "date": "2026-10-09", "probes": 44, "ok": 44 } ] }, "updatedAt": "2026-10-09T11:46:46.158238844Z" } }, "answer": "Zeal scores 45.4 (E) on agent readiness against Worklio's 38.6 (E), and leads in 4 of 7 scored categories. Worklio leads on security \u0026 auth and payments \u0026 pricing.", "b": { "slug": "zeal", "name": "Zeal", "vendor": "Puzzl Group Inc.", "vendorUrl": "https://www.zeal.com", "kind": "http-api", "category": "payroll", "summary": "Zeal is an embedded payroll API for US staffing platforms, labour marketplaces and workforce software. Partners create employer companies, onboard W-2 employees and 1099 contractors, create pay cheques and contractor payments, preview payroll and pull reports.", "url": "https://www.anchorterminal.com/tools/zeal", "markdownUrl": "https://www.anchorterminal.com/tools/zeal.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/zeal.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/zeal.json", "repo": "https://github.com/zeal-corp/typescript-sdk", "license": "Proprietary service. The npm SDK declares MIT. The SDK repositories on GitHub carry no licence file", "transports": [ "http" ], "remoteUrl": "https://api.zeal.com", "packages": [ { "registry": "npm", "name": "@zeal-api/sdk" }, { "registry": "pypi", "name": "zeal-api-sdk" } ], "auth": "api-key", "authNotes": "API keys, issued only to Zeal partners. Zeal's team creates the partner account after a demo request, then the Partner Dashboard at app.zeal.com shows one Test API key, one Production API key and the `partnerID`. Every call sends `Authorization: Bearer {apiKey}`, and most also need a `companyID`. A key covers every employer company under the partner, has no scopes, and is rolled from the dashboard, which invalidates the old key at once. Production payroll is switched on by Zeal (error code 0 until then). The agent chat and MCP endpoints need a key that Zeal has Agent-enabled. This is embedded-payroll partner access. An employer has no separate API route into its own Zeal payroll account.", "pricing": "paid", "pricingNotes": "No public prices. www.zeal.com/pricing returns 404 and every call to action asks for a demo. A test environment that moves no money exists, but its key comes only after Zeal creates a partner account, so an agent cannot start without a sales contact. No free tier or self-serve trial was found (checked 2026-10-08).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in llms-full.txt, the OpenAPI specs or the marketing site (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 0, "npmWeekly": 8, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.zeal.com", "llmsTxt": "https://docs.zeal.com/llms.txt", "openapi": "https://docs.zeal.com/openapi/zeal-api.json", "capabilities": [ "payroll.run", "payroll.embedded", "payroll.employees", "payroll.contractors", "payroll.tax-filing", "hr.onboarding" ], "tags": [ "hosted", "api-key", "openapi", "llms-txt", "typescript", "python", "webhooks", "sandbox", "sales-led", "partner-only", "us-only", "soc2", "mcp" ], "lastRelease": "2026-07-31", "graded": true, "anchor": { "graded": true, "score": 45.4, "grade": "E", "agentReady": false, "rank": 768, "ranked": true, "rankOf": 842, "categoryRank": 8, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 63, "maintenance": 61, "payments": 0, "reliability": 42, "schema": 68, "security": 34, "transparency": 51 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "Graded on the partner REST API at api.zeal.com, which is the only access route. Three OpenAPI specs, llms.txt, a test environment that moves no money, a preview endpoint and a per-cheque approval flag are documented. Access starts with a demo request, prices are not published, each environment has one unscoped key, and no status page or working changelog was found.", "bestFor": "A US staffing platform, marketplace or workforce product that will sign a partnership and run payroll for many employers under its own brand, including daily and on-demand pay.", "strengths": [ "Public OpenAPI 3.1 specs with 177 operations, plus llms.txt, llms-full.txt and a Markdown copy of every docs page", "Test keys run payroll end to end with no money moved and no tax filings, in an environment separate from production", "Preview endpoints return the gross-to-net breakdown before processing, and `approval_required` holds a cheque until `approved` is set", "`x-idempotency-key` header honoured for 24 hours, and 116 numbered error codes with messages", "Fern-generated TypeScript and Python SDKs (0.2.1, July 2026) that retry 408, 429 and 5xx with backoff" ], "weaknesses": [ "No self-serve signup. Zeal's team creates the partner account after a demo request, and no price is published", "One test key and one production key per partner account, with no scopes and no read-only key", "No status page found, and the changelog linked from the home page and llms.txt returns 404", "The API has no version in the path or a header, and the main spec has 18 operations with no summary", "Webhooks carry the shared secret itself in `Puzzl-Signature`, not a signature of the payload", "No security.txt, disclosure policy, sub-processor list or DPA found on the public site" ], "agentNotes": [ "Use the Test API key until a person has approved live payroll. Error code 0 (403) means the account has no production access", "Send `companyID` on almost every call and `partnerID` on partner-level calls, in the body for POST and PATCH and the query for GET", "Create cheques with `approval_required: true`, run POST /preview/checks, then PATCH /employeeCheck with `approved: true`. Without the flag Zeal processes pending cheques automatically", "Send `x-idempotency-key` on every create so a retry within 24 hours doesn't pay twice", "Previews and reports are jobs. Keep the `job_id` and poll GET /preview or GET /reports, or wait for the Job Queue webhook", "Check dates must be bank days and submitted before 2 PM Pacific two bank days ahead, or the call fails with code 89" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 45.4 } ], "editorialScores": { "ergonomics": 63, "maintenance": 61, "payments": 0, "reliability": 42, "schema": 68, "security": 34, "transparency": 38 }, "provenanceScore": 64 }, "connect": { "install": "npm i -s @zeal-api/sdk", "http": "curl --request GET \\\n --url 'https://api.zeal.com/companies?partnerID=YOUR_PARTNER_ID' \\\n --header 'Accept: application/json' \\\n --header 'Authorization: Bearer YOUR_API_KEY'" }, "letme": { "capability": "https://letme.dev/payroll.run", "tool": "https://letme.dev/zeal" }, "area": "domain-data", "provenance": { "legalEntity": "Puzzl Group Inc.", "domain": "zeal.com", "domainRegistered": "1995-07-03", "endpointOnVendorDomain": true, "terms": "https://www.zeal.com/legal?tab=terms-of-service", "privacy": "https://www.zeal.com/legal?tab=privacy-policy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-10-08", "notes": [ "The legal page names Puzzl Group Inc., a Delaware corporation, 80 Langton Street, San Francisco, CA 94103. Its privacy notice was last updated on 16 January 2026.", "The API answers at https://api.zeal.com and docs at docs.zeal.com (hosted on Mintlify). The help centre at support.zeal.com runs on Pylon.", "www.zeal.com/.well-known/security.txt and docs.zeal.com/.well-known/security.txt return 404.", "No status page is linked from the site, the docs or the help centre. status.zeal.com did not complete a TLS handshake on 8 October 2026.", "The changelog URL the site advertises, https://docs.zeal.com/changelog, returns 404, so the field is left empty.", "The legal page says banking services come from Bangor Savings Bank, Member FDIC.", "RDAP for zeal.com gives a registration date of 1995-07-03 and GoDaddy.com, LLC as registrar." ], "score": 64 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/zeal.json", "live": { "slug": "zeal", "probe": { "target": "https://api.zeal.com", "method": "get", "lastAt": "2026-10-09T11:46:46.621005496Z", "lastOk": true, "lastStatus": 200, "lastMs": 583, "authRequired": false, "uptime24h": 99.54, "uptime30d": 99.54, "p50ms24h": 591, "p95ms24h": 649, "samples24h": 218, "samples30d": 218, "days": [ { "date": "2026-10-08", "probes": 93, "ok": 92 }, { "date": "2026-10-09", "probes": 125, "ok": 125 } ] }, "versions": [ { "registry": "npm", "name": "@zeal-api/sdk", "version": "0.2.1", "seenAt": "2026-10-08T16:35:37.1323379Z" }, { "registry": "pypi", "name": "zeal-api-sdk", "version": "0.2.1", "released": "2026-07-31", "seenAt": "2026-10-08T16:35:39.815769205Z" } ], "githubStars": 0, "npmWeekly": 8, "pypiWeekly": 4, "securityTxt": { "url": "https://zeal.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-08T15:38:30.40067532Z" }, "pages": [ { "url": "https://www.zeal.com/legal?tab=privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:31:44.751983613Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "ca2c8021bf60" }, { "url": "https://www.zeal.com/legal?tab=terms-of-service", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:31:46.842036275Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "ca2c8021bf60" } ], "updatedAt": "2026-10-09T11:46:46.621005496Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Worklio, Inc.", "b": "Puzzl Group Inc.", "name": "Vendor" }, { "a": "https://api.worklio.com", "b": "https://api.zeal.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth", "b": "API key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service. The public Terms of Use date from 2014 and the partner agreement isn't public. The front-end library sits in a private repository", "b": "Proprietary service. The npm SDK declares MIT. The SDK repositories on GitHub carry no licence file", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-06-30", "b": "2026-07-31", "name": "Last release" }, { "a": "no document linked", "b": "2026-01-16", "name": "Terms last updated" }, { "a": "couldn't be read", "b": "2026-01-16", "name": "Privacy policy last updated" }, { "a": "", "b": "not found in the text", "name": "Customer content may train models" }, { "a": "", "b": "yes", "name": "Terms restrict automated access" }, { "a": "", "b": "not found in the text", "name": "Terms restrict benchmarking" }, { "a": "", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "", "b": "not found in the text", "name": "Arbitration or class-action waiver" }, { "a": "none", "b": "0 stars, 8 npm/wk", "name": "Popularity" } ], "faq": [ { "answer": "Zeal scores 45.4 (E) on agent readiness against Worklio's 38.6 (E), and leads in 4 of 7 scored categories. Worklio leads on security \u0026 auth and payments \u0026 pricing.", "question": "Which is better for AI agents, Worklio or Zeal?" }, { "answer": "Worklio uses an OAuth sign-in. Zeal needs an API key.", "question": "Do Worklio and Zeal need an API key?" }, { "answer": "Yes. Worklio has a hosted endpoint at https://api.worklio.com and Zeal at https://api.zeal.com.", "question": "Can an agent call Worklio and Zeal without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Security \u0026 auth, 48 against 34", "Payments \u0026 pricing, 25 against 0" ], "also": null, "goodFor": "A software platform, PEO or payroll bureau that wants to sell US payroll under its own brand and can sign a partner agreement, with Worklio handling tax filing and money movement.", "slug": "worklio", "watchFor": "No rate limits, 429 handling or idempotency keys were found in the reviewed documentation" }, { "aheadOn": [ "Reliability, 42 against 25", "Agent ergonomics, 63 against 44", "Maintenance \u0026 community, 61 against 25" ], "also": [ "No incidents deducted, where Worklio loses 3 points for them" ], "goodFor": "A US staffing platform, marketplace or workforce product that will sign a partnership and run payroll for many employers under its own brand, including daily and on-demand pay.", "slug": "zeal", "watchFor": "No self-serve signup. Zeal's team creates the partner account after a demo request, and no price is published" } ], "job": { "capability": "payroll.run", "name": "Payroll run" }, "others": [ { "json": "https://www.anchorterminal.com/compare/argyle-vs-worklio.json", "title": "Argyle vs Worklio", "url": "https://www.anchorterminal.com/compare/argyle-vs-worklio" }, { "json": "https://www.anchorterminal.com/compare/argyle-vs-zeal.json", "title": "Argyle vs Zeal", "url": "https://www.anchorterminal.com/compare/argyle-vs-zeal" }, { "json": "https://www.anchorterminal.com/compare/finch-vs-worklio.json", "title": "Finch vs Worklio", "url": "https://www.anchorterminal.com/compare/finch-vs-worklio" }, { "json": "https://www.anchorterminal.com/compare/finch-vs-zeal.json", "title": "Finch vs Zeal", "url": "https://www.anchorterminal.com/compare/finch-vs-zeal" }, { "json": "https://www.anchorterminal.com/compare/paychex-vs-worklio.json", "title": "Paychex vs Worklio", "url": "https://www.anchorterminal.com/compare/paychex-vs-worklio" }, { "json": "https://www.anchorterminal.com/compare/paychex-vs-zeal.json", "title": "Paychex vs Zeal", "url": "https://www.anchorterminal.com/compare/paychex-vs-zeal" }, { "json": "https://www.anchorterminal.com/compare/check-payroll-vs-worklio.json", "title": "Check vs Worklio", "url": "https://www.anchorterminal.com/compare/check-payroll-vs-worklio" }, { "json": "https://www.anchorterminal.com/compare/check-payroll-vs-zeal.json", "title": "Check vs Zeal", "url": "https://www.anchorterminal.com/compare/check-payroll-vs-zeal" }, { "json": "https://www.anchorterminal.com/compare/employment-hero-vs-worklio.json", "title": "Employment Hero Payroll vs Worklio", "url": "https://www.anchorterminal.com/compare/employment-hero-vs-worklio" }, { "json": "https://www.anchorterminal.com/compare/employment-hero-vs-zeal.json", "title": "Employment Hero Payroll vs Zeal", "url": "https://www.anchorterminal.com/compare/employment-hero-vs-zeal" }, { "json": "https://www.anchorterminal.com/compare/everee-vs-worklio.json", "title": "Everee vs Worklio", "url": "https://www.anchorterminal.com/compare/everee-vs-worklio" }, { "json": "https://www.anchorterminal.com/compare/everee-vs-zeal.json", "title": "Everee vs Zeal", "url": "https://www.anchorterminal.com/compare/everee-vs-zeal" }, { "json": "https://www.anchorterminal.com/compare/gusto-vs-worklio.json", "title": "Gusto vs Worklio", "url": "https://www.anchorterminal.com/compare/gusto-vs-worklio" }, { "json": "https://www.anchorterminal.com/compare/gusto-vs-zeal.json", "title": "Gusto vs Zeal", "url": "https://www.anchorterminal.com/compare/gusto-vs-zeal" }, { "json": "https://www.anchorterminal.com/compare/salsa-vs-worklio.json", "title": "Salsa vs Worklio", "url": "https://www.anchorterminal.com/compare/salsa-vs-worklio" }, { "json": "https://www.anchorterminal.com/compare/salsa-vs-zeal.json", "title": "Salsa vs Zeal", "url": "https://www.anchorterminal.com/compare/salsa-vs-zeal" } ], "scores": [ { "by": 17, "edge": "zeal", "key": "reliability", "name": "Reliability", "weight": 16, "worklio": 25, "zeal": 42 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 3, "edge": "worklio", "key": "schema", "name": "Schema \u0026 documentation", "weight": 13, "worklio": 71, "zeal": 68 }, { "by": 19, "edge": "zeal", "key": "ergonomics", "name": "Agent ergonomics", "weight": 13, "worklio": 44, "zeal": 63 }, { "by": 14, "edge": "worklio", "key": "security", "name": "Security \u0026 auth", "weight": 14, "worklio": 48, "zeal": 34 }, { "by": 25, "edge": "worklio", "key": "payments", "name": "Payments \u0026 pricing", "weight": 10, "worklio": 25, "zeal": 0 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 36, "edge": "zeal", "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7, "worklio": 25, "zeal": 61 }, { "by": 3, "edge": "zeal", "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7, "worklio": 48, "zeal": 51 } ], "summary": "Zeal scores 45.4 (E) on agent readiness against Worklio's 38.6 (E), and leads in 4 of 7 scored categories. Worklio leads on security \u0026 auth and payments \u0026 pricing. Both do payroll run.", "verdicts": { "worklio": "Worklio documents 853 REST operations with an OpenAPI fragment on every reference page, and a developer can register for the sandbox without a sales call. No rate limits or public SDK were found, the status page is password protected, and the payroll guide tells callers to treat an HTTP 500 as the signal to finalise.", "zeal": "Graded on the partner REST API at api.zeal.com, which is the only access route. Three OpenAPI specs, llms.txt, a test environment that moves no money, a preview endpoint and a per-cheque approval flag are documented. Access starts with a demo request, prices are not published, each environment has one unscoped key, and no status page or working changelog was found." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/worklio-vs-zeal", "json": "https://www.anchorterminal.com/compare/worklio-vs-zeal.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/worklio-vs-zeal.md", "slim": "https://www.anchorterminal.com/compare/worklio-vs-zeal.min.md" }, "markdown": "Zeal scores 45.4 (E) on agent readiness against Worklio's 38.6 (E), and leads in 4 of 7 scored categories. Worklio leads on security \u0026 auth and payments \u0026 pricing. Both do payroll run.\n\n- Worklio: grade E, 38.6/100, rank #812 of 842. Markdown https://www.anchorterminal.com/tools/worklio.md · JSON https://www.anchorterminal.com/api/v1/tools/worklio.json\n- Zeal: grade E, 45.4/100, rank #768 of 842. Markdown https://www.anchorterminal.com/tools/zeal.md · JSON https://www.anchorterminal.com/api/v1/tools/zeal.json\n\n## Which one, for what\n\n### Worklio (E)\n\nGood for: A software platform, PEO or payroll bureau that wants to sell US payroll under its own brand and can sign a partner agreement, with Worklio handling tax filing and money movement.\n\nAhead on:\n- Security \u0026 auth, 48 against 34\n- Payments \u0026 pricing, 25 against 0\n\nWatch for: No rate limits, 429 handling or idempotency keys were found in the reviewed documentation\n\n### Zeal (E)\n\nGood for: A US staffing platform, marketplace or workforce product that will sign a partnership and run payroll for many employers under its own brand, including daily and on-demand pay.\n\nAhead on:\n- Reliability, 42 against 25\n- Agent ergonomics, 63 against 44\n- Maintenance \u0026 community, 61 against 25\n\nAlso in its favour:\n- No incidents deducted, where Worklio loses 3 points for them\n\nWatch for: No self-serve signup. Zeal's team creates the partner account after a demo request, and no price is published\n\n\n## Score by category\n\n| Category | Weight | Worklio | Zeal | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 25 | 42 | Zeal +17 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 71 | 68 | Worklio +3 |\n| Agent ergonomics | 13% (16.2 this run) | 44 | 63 | Zeal +19 |\n| Security \u0026 auth | 14% (17.5 this run) | 48 | 34 | Worklio +14 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 25 | 0 | Worklio +25 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 25 | 61 | Zeal +36 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 48 | 51 | Zeal +3 |\n| Negative events | ≤15 | -3 | 0 | |\n| **Total** | | **38.6 · E** | **45.4 · E** | |\n\n## Facts side by side\n\n| Fact | Worklio | Zeal |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Worklio, Inc. | Puzzl Group Inc. |\n| Hosted endpoint | `https://api.worklio.com` | `https://api.zeal.com` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth | API key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service. The public Terms of Use date from 2014 and the partner agreement isn't public. The front-end library sits in a private repository | Proprietary service. The npm SDK declares MIT. The SDK repositories on GitHub carry no licence file |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-06-30 | 2026-07-31 |\n| Terms last updated | no document linked | 2026-01-16 |\n| Privacy policy last updated | couldn't be read | 2026-01-16 |\n| Customer content may train models | | not found in the text |\n| Terms restrict automated access | | yes |\n| Terms restrict benchmarking | | not found in the text |\n| Terms or service can change without notice | | yes |\n| Arbitration or class-action waiver | | not found in the text |\n| Popularity | none | 0 stars, 8 npm/wk |\n\n## Verdicts\n\n**Worklio.** Worklio documents 853 REST operations with an OpenAPI fragment on every reference page, and a developer can register for the sandbox without a sales call. No rate limits or public SDK were found, the status page is password protected, and the payroll guide tells callers to treat an HTTP 500 as the signal to finalise.\n\n**Zeal.** Graded on the partner REST API at api.zeal.com, which is the only access route. Three OpenAPI specs, llms.txt, a test environment that moves no money, a preview endpoint and a per-cheque approval flag are documented. Access starts with a demo request, prices are not published, each environment has one unscoped key, and no status page or working changelog was found.\n\n## Before you call either\n\n### Worklio\n\n1. Send `api-version: 2.0` on `/wep` calls. The reference marks the header as required\n2. Get a token from `POST https://api.worklio.com/connect/token` with the password grant and scope `api`. It lasts 24 hours, so fetch a new one daily\n3. Run payroll as start, `next` until it answers 500 with \"Next step operation is not allowed\", then `finalize`. Don't treat that 500 as a failure\n4. Don't retry bonus, off-cycle, void or termination payroll starts blindly. The reference says those calls are not idempotent\n5. Most `/wep` list endpoints return the whole result set. Paging, `filter` and `sort` work only under `/api/public`, and a `DataToken` expires after 60 seconds\n\n### Zeal\n\n1. Use the Test API key until a person has approved live payroll. Error code 0 (403) means the account has no production access\n2. Send `companyID` on almost every call and `partnerID` on partner-level calls, in the body for POST and PATCH and the query for GET\n3. Create cheques with `approval_required: true`, run POST /preview/checks, then PATCH /employeeCheck with `approved: true`. Without the flag Zeal processes pending cheques automatically\n4. Send `x-idempotency-key` on every create so a retry within 24 hours doesn't pay twice\n5. Previews and reports are jobs. Keep the `job_id` and poll GET /preview or GET /reports, or wait for the Job Queue webhook\n6. Check dates must be bank days and submitted before 2 PM Pacific two bank days ahead, or the call fails with code 89\n\n## Questions\n\n### Which is better for AI agents, Worklio or Zeal?\n\nZeal scores 45.4 (E) on agent readiness against Worklio's 38.6 (E), and leads in 4 of 7 scored categories. Worklio leads on security \u0026 auth and payments \u0026 pricing.\n\n### Do Worklio and Zeal need an API key?\n\nWorklio uses an OAuth sign-in. Zeal needs an API key.\n\n### Can an agent call Worklio and Zeal without installing anything?\n\nYes. Worklio has a hosted endpoint at https://api.worklio.com and Zeal at https://api.zeal.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/worklio-vs-zeal.json, and with the fewest tokens: https://www.anchorterminal.com/compare/worklio-vs-zeal.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"worklio\", \"b\": \"zeal\"}`. From a terminal: `anchor compare worklio zeal`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/worklio.json and https://www.anchorterminal.com/api/v1/tools/zeal.json\n\n## Other comparisons with Worklio or Zeal\n\n- [Argyle vs Worklio](https://www.anchorterminal.com/compare/argyle-vs-worklio.md)\n- [Argyle vs Zeal](https://www.anchorterminal.com/compare/argyle-vs-zeal.md)\n- [Finch vs Worklio](https://www.anchorterminal.com/compare/finch-vs-worklio.md)\n- [Finch vs Zeal](https://www.anchorterminal.com/compare/finch-vs-zeal.md)\n- [Paychex vs Worklio](https://www.anchorterminal.com/compare/paychex-vs-worklio.md)\n- [Paychex vs Zeal](https://www.anchorterminal.com/compare/paychex-vs-zeal.md)\n- [Check vs Worklio](https://www.anchorterminal.com/compare/check-payroll-vs-worklio.md)\n- [Check vs Zeal](https://www.anchorterminal.com/compare/check-payroll-vs-zeal.md)\n- [Employment Hero Payroll vs Worklio](https://www.anchorterminal.com/compare/employment-hero-vs-worklio.md)\n- [Employment Hero Payroll vs Zeal](https://www.anchorterminal.com/compare/employment-hero-vs-zeal.md)\n- [Everee vs Worklio](https://www.anchorterminal.com/compare/everee-vs-worklio.md)\n- [Everee vs Zeal](https://www.anchorterminal.com/compare/everee-vs-zeal.md)\n- [Gusto vs Worklio](https://www.anchorterminal.com/compare/gusto-vs-worklio.md)\n- [Gusto vs Zeal](https://www.anchorterminal.com/compare/gusto-vs-zeal.md)\n- [Salsa vs Worklio](https://www.anchorterminal.com/compare/salsa-vs-worklio.md)\n- [Salsa vs Zeal](https://www.anchorterminal.com/compare/salsa-vs-zeal.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-09", "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": "Worklio vs Zeal", "url": "" } ], "description": "Zeal scores 45.4 (E) on agent readiness against Worklio's 38.6 (E), and leads in 4 of 7 scored categories. Worklio leads on security \u0026 auth and payments \u0026 pricing. Both do payroll run. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Worklio E 38.6", "Zeal E 45.4", "scores" ], "h1": "Worklio vs Zeal", "image": "https://www.anchorterminal.com/assets/og/compare-worklio-vs-zeal.png", "path": "/compare/worklio-vs-zeal", "published": "2026-10-01", "section": "tools", "title": "Worklio vs Zeal for AI agents, E 38.6 vs E 45.4 | Anchor Terminal", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/worklio-vs-zeal" }, "tokens": { "markdown": 2200, "slim": 680 }, "version": 1 }