{
  "fixes": {
    "slug": "pandadoc",
    "name": "PandaDoc",
    "listing": "https://www.anchorterminal.com/tools/pandadoc",
    "markdown": "# Fix list: PandaDoc\n\nFrom Anchor Terminal's listing at https://www.anchorterminal.com/tools/pandadoc, the October 2026 research run, assessed 7 October 2026. Grade B, 63.1 out of 100.\n\nThis is everything the published grade says the listing lacks, the biggest possible gain to the total first. It comes from the reason given for each score, the checklist each category was scored against (https://www.anchorterminal.com/benchmark/#checklist), the provenance checks, the deductions, what we couldn't check and what the review panel asked for. A fix counts at the next check, once it's public.\n\nFor a coding agent working on PandaDoc: work through the items below in the product, its docs and its public pages. Each category gives the reason for its score, with the points each checklist item earned, and the checklist itself, so the gap is the items that earned less than their points. Change the product, not the wording, and keep a note of what you changed and where it's published.\n\n## 1. Payments \u0026 pricing, 30 out of 100, up to 8.8 more on the total\n\nWhy it scored 30: Read with the hosted rubric. No x402, MPP or L402 (0). Plan prices are public in the help centre (Starter $19 a user a month billed annually, Business $49, Enterprise through Sales), but usage credit packs for API documents are priced only on the in-app billing page (10). The Free plan includes API and MCP access with 25 API-created documents and 5 sends a month, and the sandbox key isn't charged, with no card needed (20). A person has to sign up in a browser, verify an email address and approve OAuth or create a key, and a production key needs approval from Sales (0).\n\nThe checklist (https://www.anchorterminal.com/benchmark/#checklist-payments):\n\nThe published rubric, also on the [x402 page](https://www.anchorterminal.com/x402/).\n\n- 40, a machine payment protocol (x402, MPP or L402) on the tool's own endpoints. 10 to 30 when it covers only some endpoints or only goes through a third party, and the note says which.\n- 20, per-call or per-unit pricing published without a login. 10 for public plan-only pricing, 0 for \"contact sales\" or prices behind a login.\n- 20, a free tier or trial that doesn't need a card.\n- 20, autonomous onboarding, meaning an agent can get access without a person signing up in a browser (keyless use, x402, a programmatic key API).\n\nPayment platforms and agent wallets rarely charge for their own API over a machine protocol, so the first line has steps for them, and the highest one that applies counts. 40 when x402, MPP or L402 runs on all their own endpoints, 30 when it runs on part of their own API, 25 when their merchants can accept one, 20 for running a facilitator, 15 for paying as a buyer, and 0 when the only protocol is their own. Merchant acceptance sits above a facilitator because the platform's own customers can charge agents through it, while a facilitator settles for sellers who wire up the protocol themselves. The counter-argument (a facilitator does more for the protocol as a whole) has a point. Each note says which step applied.\n\nOpen-source software you run yourself is scored on its hosted or paid option if it has one. A free, self-hosted package with nothing to buy gets 20, 20 and 20 for the last three lines, and 0 to 40 for the first only if it ships a payment protocol.\n\n## 2. Reliability, 58 out of 100, up to 8.4 more on the total\n\nWhy it scored 58: Read with the hosted lines and scored on the REST API, which the hosted MCP server calls. status.pandadoc.com on Statuspage has components for API, Webhooks, sending, uploading and downloading in two regions, with history (20). Three incidents touched core functions in the 90 days to 7 October 2026. On 15 July some customers had Public API failures for about 18 minutes and sending was down for about 70. On 20 August document creation and viewing degraded for some users, mitigated after 17 minutes by PandaDoc's own update. On 6 September document processing was unavailable for many customers from 17:00 to 20:28 PDT, through the app and the API. That is two outages of an hour or more, one of them on sending only, so we scored between the lines for one major and several (5 of 30). Rate limits published per endpoint, 100 to 2,000 requests a minute (15). The docs say to retry 409 and back off on 429, but Retry-After appears only on four not-ready responses and there are no idempotency keys for creates (8 of 15). No SLA found in the developer docs or help centre, and the legal pages on www.pandadoc.com refused our reader (0, unchecked). The v1 API is generally available and the MCP server is at 1.0.0 in the registry, with a few endpoints under /public/beta (10).\n\nThe checklist (https://www.anchorterminal.com/benchmark/#checklist-reliability):\n\nHosted APIs, MCP servers, models and platforms.\n\n- 20, a public status page with component history (Statuspage, Instatus, BetterStack or the vendor's own).\n- 0 to 30, the incident record for the last 90 days on that page. 30 for a clean record or trivial incidents only, 20 for minor incidents only, 10 for one major outage (an hour or more of a core API down, or errors across the board), 0 for several. 5 when there's no history we could read, and the note says so.\n- 15, rate limits documented with numbers.\n- 15, documented 429 or overload handling (Retry-After, backoff guidance), and idempotency keys or safe-retry guidance where writes are involved.\n- 10, an SLA published for any paid tier.\n- 10, the surface agents use is generally available, not beta or preview.\n\nLocal packages, SDKs, frameworks and stdio MCP servers.\n\n- 20, installs from an official package with supported runtimes stated.\n- 25, a public CI and test suite, passing on the default branch.\n- 0 to 25, open crash or regression issues relative to activity (25 for few and handled, 0 for many, old and unanswered).\n- 15, semver discipline and breaking changes called out in a changelog.\n- 15, version 1.0 or later, or declared stable.\n\nProtocols are read from their reference implementations, the public facilitators or servers, spec stability and test vectors.\n\n## 3. Security \u0026 auth, 61 out of 100, up to 6.8 more on the total\n\nWhy it scored 61: OAuth 2.0 authorisation code for the API with `read` and `write` scopes, and for the MCP server OAuth with PKCE (S256), dynamic client registration and five scopes (read, write, documents:read, documents:edit, documents:send). Credentials travel in the `Authorization` header. API keys are labelled legacy, belong to one workspace and carry their owner's full role, and the scopes are broad (26 of 30). Read-only scopes exist and a sandbox key can send only within the sender's own email domain. No confirmation step for sending or deleting was found in the API or MCP docs (11 of 20). Documents and recipient-filled fields are untrusted content, and we found no prompt-injection guidance for MCP hosts. PandaDoc's skills do tell the agent that AI-extracted contract values are unconfirmed (3 of 15). API request logs with key, user and body in the developer centre and through /public/v2/logs, a per-document audit trail endpoint, and API actions attributed to the key owner. The account audit log is Enterprise only and covers 30 days (13 of 15). The help centre states SOC 2 Type II. The security page and security.txt on www.pandadoc.com refused our reader, app and api hosts return 404 for security.txt, no bug bounty was established, and NVD lists no CVE for PandaDoc (8 of 20, partly unchecked).\n\nThe checklist (https://www.anchorterminal.com/benchmark/#checklist-security):\n\n- 0 to 30, the credential model. 30 for OAuth 2.1 with scopes, or scoped and revocable keys with rotation. 20 for plain revocable API keys. 10 for one all-powerful key. 10 off when a secret can travel in a URL query string as a documented option.\n- 0 to 20, read-only or least-privilege modes, and confirmation or approval for destructive actions.\n- 0 to 15, prompt-injection posture where the tool returns untrusted content (documented mitigations or guidance). A tool that returns no untrusted content gets 10.\n- 0 to 15, audit logs or per-call visibility for the operator.\n- 0 to 20, a security programme. security.txt or a disclosure policy, a bug bounty, SOC 2 or ISO 27001, advisories handled in public.\n\nModels are read for retention, whether API data trains models (and whether that's off by default), zero-retention options and certifications. Frameworks for telemetry defaults, approval hooks, guardrails and sandboxing.\n\n## 4. Agent ergonomics, 68 out of 100, up to 5.2 more on the total\n\nWhy it scored 68: List endpoints take `count` (default 50, maximum 100) and `page`. There is no field selection, but a light status endpoint sits beside the full details call, and beta endpoints return a document summary in four lengths or the content as Markdown or plain text. The number of MCP tools isn't published, and PandaDoc's own skills name 17 (17 of 25). Document lists filter by status, dates, template, folder, contact, tag, metadata and free text, with `order_by` (20). Errors carry a type and detail, with 409 for a document that isn't ready, 403 `forbidden_error` when usage credits run out and 423 for a locked account, each explained in the guides (16 of 20). No idempotency keys on creates or sends. Webhook deliveries carry a stable `X-PandaDoc-Webhook-Event-Id`, and we couldn't see whether the MCP tools carry readOnlyHint or destructiveHint (4 of 20). Creating from a template needs a name, a template ID and recipients, but creation is asynchronous and needs a poll or webhook before sending. Official SDKs in Python, Node, Java and PHP, with the Python package unchanged since April 2024 (11 of 15).\n\nThe checklist (https://www.anchorterminal.com/benchmark/#checklist-ergonomics):\n\n- 0 to 25, context cost. For MCP, the number and size of the tool definitions (25 for ten or fewer compact tools, 15 for 11 to 30, 5 for more than 30, plus up to 10 back for toolsets, dynamic loading or read-only subsets). For APIs, whether responses can be sized (field selection, limits, summaries).\n- 20, pagination, filtering and output-size controls.\n- 20, actionable, documented error responses, codes and messages an agent can recover from.\n- 20, idempotency or safe retries, and for MCP the `readOnlyHint` and `destructiveHint` annotations.\n- 15, sensible defaults, few required parameters, and official SDKs in at least two languages.\n\nModels are read for tool use, structured output, prompt caching, context length, batch and SDKs. Frameworks for how much code and how many defaults a tool-calling agent with MCP needs.\n\n## 5. Transparency \u0026 trust, 59 out of 100, up to 3.6 more on the total\n\nMade of editorial 33, provenance 84.\n\nWhy it scored 59: The service is closed under a Master Services Agreement named in the OpenAPI spec. That page refused our reader, so the terms are unread, while the spec, the SDKs and the MCP guide are MIT (8 of 30). The AI policy says customer content isn't used to train models and that third-party AI providers can't retain it, with an opt-out for aggregated usage data. The compliance article says signed documents are kept for the length of the customer relationship. The privacy notice and DPA were not read, so agreement between them is unconfirmed (12 of 30). No written deprecation policy found. The spec marks six items deprecated and the auth overview labels API keys legacy, without removal dates (5 of 20). The docs describe separate US and EU regions and US-only AI processing. A sub-processor page exists at www.pandadoc.com/legal/subprocessors but refused our reader (8 of 20, partly unchecked).\n\nThe checklist (https://www.anchorterminal.com/benchmark/#checklist-transparency):\n\n- 0 to 30, source availability and licence clarity. 30 for open source under an OSI licence, 15 for closed with clear terms, 0 for unclear terms.\n- 0 to 30, data handling and retention statements that agree with each other (privacy policy, DPA, retention periods, subprocessors).\n- 0 to 20, a deprecation policy or notices with dates.\n- 0 to 20, telemetry disclosed with an opt-out (local software), or subprocessors and data locations disclosed (hosted).\n\nThe other half of Transparency and trust is the provenance score, computed from checked facts (below). The category score is the mean of the two.\n\nProvenance checks not met in full (half of this category, computed from checked facts):\n\n- Terms of service: published, but our reader couldn't read it (7 of 10)\n- Privacy policy: published, but our reader couldn't read it (7 of 10)\n- security.txt: could not be fetched (0 of 10)\n\n## 6. Schema \u0026 documentation, 87 out of 100, up to 2.1 more on the total\n\nWhy it scored 87: Scored on the REST API. The MCP server's tool definitions are visible only after OAuth sign-in. A public OpenAPI 3.0.3 spec at openapi.pandadoc.com and on GitHub under MIT, 133 operations (25). llms.txt at developers.pandadoc.com with a Markdown copy of each page (10). Every operation has a description, median about 180 characters, and the main ones state preconditions, such as Send Document needing `document.draft` status. Few say when not to use an endpoint (15 of 20). Enums, required fields and ID patterns are present, while Create Document is a oneOf whose tokens, fields and metadata are loosely typed objects (11 of 15). More than 1,300 examples in the spec, 429, 401, 403, 404 and 409 listed per operation, and an error object with a code and message on newer endpoints (13 of 15). URL versioning (/v1, /v2, /beta), a semver spec at 8.21.0 and a changelog, though only the newest entry carries a date (13 of 15).\n\nThe checklist (https://www.anchorterminal.com/benchmark/#checklist-schema):\n\nAPIs and MCP servers.\n\n- 25, a machine-readable contract (a public OpenAPI file or similar; for MCP, typed JSON Schema inputs on every tool).\n- 10, llms.txt or Markdown docs served for agents.\n- 0 to 20, descriptions that say what a tool is for, when to use it and when not to, read from the tool definitions in the source or the API reference.\n- 0 to 15, typed inputs with enums, constraints and required fields, and no free-form JSON blobs.\n- 0 to 15, examples and documented error responses.\n- 15, versioning and a public changelog.\n\nModels are read from the API reference, the OpenAPI file, llms.txt, the structured-output and tool-use docs and the model cards. Frameworks from docs a model can follow, typed interfaces, examples and the API reference.\n\n## 7. Maintenance \u0026 community, 77 out of 100, up to 2 more on the total\n\nWhy it scored 77: API 8.21.0 on 2 October 2026, which added the `recipient_qes_verified` webhook event (30). The spec moved from 8.7.1 on 9 July to 8.13.0 on 28 August in the GitHub repository and to 8.21.0 on the docs site, well over three releases in 90 days (20). A closed service with a public changelog, a help centre, an API support address in the spec and a UserVoice forum. We didn't test how quickly support answers (10 of 15). The MCP server is in the official registry under the com.pandadoc.mcp namespace. Official SDKs exist in four languages, but pandadoc-python-client is at 6.2.0 from 8 April 2024 and the Node client's 7.0.0 line has been a release candidate since January 2026 (12 of 15). The Node repository has a publish workflow, and the GitHub copy of the spec trails the docs site by eight versions (5 of 10).\n\nThe checklist (https://www.anchorterminal.com/benchmark/#checklist-maintenance):\n\n- 0 to 30, time since the last release, or the last published model or API change for a closed service. 30 within 30 days, 20 within 90, 10 within 180, 0 older.\n- 20, at least three releases or dated changelog entries in the last 90 days.\n- 0 to 25, responsiveness. Issues and pull requests answered on GitHub (the open issues and how recent the replies are). For closed services, a public changelog and a support or community channel that answers, 0 to 15.\n- 15, presence in the official MCP registry under a verified namespace (MCP servers), or current official SDKs (APIs and models).\n- 10, package health, current dependencies and CI.\n\nModels are read for deprecation notice periods and model churn rather than release counts.\n\n## What we couldn't check\n\nWhat we couldn't read counted as absent. Publishing it on a page a plain HTTP fetch can read (not only in a browser) lets the next check count it.\n\n- unchecked: www.pandadoc.com answered our reader with a Vercel browser check (HTTP 429) on every request, so the pricing page, the API pricing page, the Master Services Agreement, the privacy notice, the DPA, the security practices page, the sub-processor list and security.txt were not read. Scores for the SLA, the security programme, licence terms, data handling and sub-processors were set from the developer docs and help centre alone and may be low\n- unchecked: the registered company name and address, which sit on the unread legal pages\n- unchecked: whether an SLA with a figure is published for any paid tier\n- unchecked: whether PandaDoc runs a bug bounty or publishes a disclosure policy\n- The MCP server's full tool list, input schemas and annotations are visible only after OAuth sign-in. The 17 tool names recorded come from the skills in PandaDoc/mcp-server-guide\n- Prices for usage credit packs are shown only on the in-app billing page\n- Changelog entries other than 8.21.0 carry no date on the docs site. Dates for earlier versions come from commits in the GitHub spec repository, which stops at 8.13.0\n- The sandbox pages say Business and Enterprise while the API reference overview says a sandbox key works on any plan. We recorded both and did not test\n\n## Weaknesses\n\n- Three incidents hit document creation, sending or the API between 15 July and 6 September 2026, the longest about 3.5 hours\n- No idempotency keys, and each document created with a production credential uses one usage credit\n- Production API keys need approval from Sales, and usage credit pack prices sit on the in-app billing page\n- Webhook deliveries aren't retried automatically, and a subscription failing for 7 days is deactivated\n- The Python SDK was last released in April 2024 and the Node SDK's 7.0.0 line has been a release candidate since January 2026\n\n## What costs an agent a turn today\n\nThe notes we give agents before they call it. Each one is a workaround an agent shouldn't need.\n\n- Wait for `document.draft` before sending. Creation is asynchronous and a new document stays in `document.uploaded` for a few seconds\n- Match the region. Accounts on app.pandadoc.eu use api.pandadoc.eu and mcp.pandadoc.eu, and the global hosts reject them\n- Check for an existing document before retrying a create. There's no idempotency key and each production create uses a usage credit\n- Retry 409 after a pause and back off on 429. A sandbox key allows 10 requests a minute per endpoint\n- Don't rely on webhooks alone. Failed deliveries aren't retried, so poll the status endpoint as a fallback\n\n## When it's done\n\nSend what changed and where it's published as a dispute (https://www.anchorterminal.com/builders/#disputes, or `POST https://www.anchorterminal.com/api/v1/contact` with `\"kind\": \"dispute\"`). Disputes are answered in public, and the listing is checked again by the same checklist. Paying for an audit or a listing claim changes nothing here.\n",
    "grade": "B",
    "score": 63.1,
    "assessed": "2026-10-07",
    "run": "October 2026 research run",
    "categories": [
      {
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "score": 30,
        "maxGain": 8.8,
        "reason": "Read with the hosted rubric. No x402, MPP or L402 (0). Plan prices are public in the help centre (Starter $19 a user a month billed annually, Business $49, Enterprise through Sales), but usage credit packs for API documents are priced only on the in-app billing page (10). The Free plan includes API and MCP access with 25 API-created documents and 5 sends a month, and the sandbox key isn't charged, with no card needed (20). A person has to sign up in a browser, verify an email address and approve OAuth or create a key, and a production key needs approval from Sales (0).",
        "checklist": [
          "The published rubric, also on the [x402 page](https://www.anchorterminal.com/x402/).",
          "- 40, a machine payment protocol (x402, MPP or L402) on the tool's own endpoints. 10 to 30 when it covers only some endpoints or only goes through a third party, and the note says which.\n- 20, per-call or per-unit pricing published without a login. 10 for public plan-only pricing, 0 for \"contact sales\" or prices behind a login.\n- 20, a free tier or trial that doesn't need a card.\n- 20, autonomous onboarding, meaning an agent can get access without a person signing up in a browser (keyless use, x402, a programmatic key API).",
          "Payment platforms and agent wallets rarely charge for their own API over a machine protocol, so the first line has steps for them, and the highest one that applies counts. 40 when x402, MPP or L402 runs on all their own endpoints, 30 when it runs on part of their own API, 25 when their merchants can accept one, 20 for running a facilitator, 15 for paying as a buyer, and 0 when the only protocol is their own. Merchant acceptance sits above a facilitator because the platform's own customers can charge agents through it, while a facilitator settles for sellers who wire up the protocol themselves. The counter-argument (a facilitator does more for the protocol as a whole) has a point. Each note says which step applied.",
          "Open-source software you run yourself is scored on its hosted or paid option if it has one. A free, self-hosted package with nothing to buy gets 20, 20 and 20 for the last three lines, and 0 to 40 for the first only if it ships a payment protocol."
        ],
        "checklistUrl": "https://www.anchorterminal.com/benchmark/#checklist-payments"
      },
      {
        "key": "reliability",
        "name": "Reliability",
        "score": 58,
        "maxGain": 8.4,
        "reason": "Read with the hosted lines and scored on the REST API, which the hosted MCP server calls. status.pandadoc.com on Statuspage has components for API, Webhooks, sending, uploading and downloading in two regions, with history (20). Three incidents touched core functions in the 90 days to 7 October 2026. On 15 July some customers had Public API failures for about 18 minutes and sending was down for about 70. On 20 August document creation and viewing degraded for some users, mitigated after 17 minutes by PandaDoc's own update. On 6 September document processing was unavailable for many customers from 17:00 to 20:28 PDT, through the app and the API. That is two outages of an hour or more, one of them on sending only, so we scored between the lines for one major and several (5 of 30). Rate limits published per endpoint, 100 to 2,000 requests a minute (15). The docs say to retry 409 and back off on 429, but Retry-After appears only on four not-ready responses and there are no idempotency keys for creates (8 of 15). No SLA found in the developer docs or help centre, and the legal pages on www.pandadoc.com refused our reader (0, unchecked). The v1 API is generally available and the MCP server is at 1.0.0 in the registry, with a few endpoints under /public/beta (10).",
        "checklist": [
          "Hosted APIs, MCP servers, models and platforms.",
          "- 20, a public status page with component history (Statuspage, Instatus, BetterStack or the vendor's own).\n- 0 to 30, the incident record for the last 90 days on that page. 30 for a clean record or trivial incidents only, 20 for minor incidents only, 10 for one major outage (an hour or more of a core API down, or errors across the board), 0 for several. 5 when there's no history we could read, and the note says so.\n- 15, rate limits documented with numbers.\n- 15, documented 429 or overload handling (Retry-After, backoff guidance), and idempotency keys or safe-retry guidance where writes are involved.\n- 10, an SLA published for any paid tier.\n- 10, the surface agents use is generally available, not beta or preview.",
          "Local packages, SDKs, frameworks and stdio MCP servers.",
          "- 20, installs from an official package with supported runtimes stated.\n- 25, a public CI and test suite, passing on the default branch.\n- 0 to 25, open crash or regression issues relative to activity (25 for few and handled, 0 for many, old and unanswered).\n- 15, semver discipline and breaking changes called out in a changelog.\n- 15, version 1.0 or later, or declared stable.",
          "Protocols are read from their reference implementations, the public facilitators or servers, spec stability and test vectors."
        ],
        "checklistUrl": "https://www.anchorterminal.com/benchmark/#checklist-reliability"
      },
      {
        "key": "security",
        "name": "Security \u0026 auth",
        "score": 61,
        "maxGain": 6.8,
        "reason": "OAuth 2.0 authorisation code for the API with `read` and `write` scopes, and for the MCP server OAuth with PKCE (S256), dynamic client registration and five scopes (read, write, documents:read, documents:edit, documents:send). Credentials travel in the `Authorization` header. API keys are labelled legacy, belong to one workspace and carry their owner's full role, and the scopes are broad (26 of 30). Read-only scopes exist and a sandbox key can send only within the sender's own email domain. No confirmation step for sending or deleting was found in the API or MCP docs (11 of 20). Documents and recipient-filled fields are untrusted content, and we found no prompt-injection guidance for MCP hosts. PandaDoc's skills do tell the agent that AI-extracted contract values are unconfirmed (3 of 15). API request logs with key, user and body in the developer centre and through /public/v2/logs, a per-document audit trail endpoint, and API actions attributed to the key owner. The account audit log is Enterprise only and covers 30 days (13 of 15). The help centre states SOC 2 Type II. The security page and security.txt on www.pandadoc.com refused our reader, app and api hosts return 404 for security.txt, no bug bounty was established, and NVD lists no CVE for PandaDoc (8 of 20, partly unchecked).",
        "checklist": [
          "- 0 to 30, the credential model. 30 for OAuth 2.1 with scopes, or scoped and revocable keys with rotation. 20 for plain revocable API keys. 10 for one all-powerful key. 10 off when a secret can travel in a URL query string as a documented option.\n- 0 to 20, read-only or least-privilege modes, and confirmation or approval for destructive actions.\n- 0 to 15, prompt-injection posture where the tool returns untrusted content (documented mitigations or guidance). A tool that returns no untrusted content gets 10.\n- 0 to 15, audit logs or per-call visibility for the operator.\n- 0 to 20, a security programme. security.txt or a disclosure policy, a bug bounty, SOC 2 or ISO 27001, advisories handled in public.",
          "Models are read for retention, whether API data trains models (and whether that's off by default), zero-retention options and certifications. Frameworks for telemetry defaults, approval hooks, guardrails and sandboxing."
        ],
        "checklistUrl": "https://www.anchorterminal.com/benchmark/#checklist-security"
      },
      {
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "score": 68,
        "maxGain": 5.2,
        "reason": "List endpoints take `count` (default 50, maximum 100) and `page`. There is no field selection, but a light status endpoint sits beside the full details call, and beta endpoints return a document summary in four lengths or the content as Markdown or plain text. The number of MCP tools isn't published, and PandaDoc's own skills name 17 (17 of 25). Document lists filter by status, dates, template, folder, contact, tag, metadata and free text, with `order_by` (20). Errors carry a type and detail, with 409 for a document that isn't ready, 403 `forbidden_error` when usage credits run out and 423 for a locked account, each explained in the guides (16 of 20). No idempotency keys on creates or sends. Webhook deliveries carry a stable `X-PandaDoc-Webhook-Event-Id`, and we couldn't see whether the MCP tools carry readOnlyHint or destructiveHint (4 of 20). Creating from a template needs a name, a template ID and recipients, but creation is asynchronous and needs a poll or webhook before sending. Official SDKs in Python, Node, Java and PHP, with the Python package unchanged since April 2024 (11 of 15).",
        "checklist": [
          "- 0 to 25, context cost. For MCP, the number and size of the tool definitions (25 for ten or fewer compact tools, 15 for 11 to 30, 5 for more than 30, plus up to 10 back for toolsets, dynamic loading or read-only subsets). For APIs, whether responses can be sized (field selection, limits, summaries).\n- 20, pagination, filtering and output-size controls.\n- 20, actionable, documented error responses, codes and messages an agent can recover from.\n- 20, idempotency or safe retries, and for MCP the `readOnlyHint` and `destructiveHint` annotations.\n- 15, sensible defaults, few required parameters, and official SDKs in at least two languages.",
          "Models are read for tool use, structured output, prompt caching, context length, batch and SDKs. Frameworks for how much code and how many defaults a tool-calling agent with MCP needs."
        ],
        "checklistUrl": "https://www.anchorterminal.com/benchmark/#checklist-ergonomics"
      },
      {
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "score": 59,
        "maxGain": 3.6,
        "reason": "The service is closed under a Master Services Agreement named in the OpenAPI spec. That page refused our reader, so the terms are unread, while the spec, the SDKs and the MCP guide are MIT (8 of 30). The AI policy says customer content isn't used to train models and that third-party AI providers can't retain it, with an opt-out for aggregated usage data. The compliance article says signed documents are kept for the length of the customer relationship. The privacy notice and DPA were not read, so agreement between them is unconfirmed (12 of 30). No written deprecation policy found. The spec marks six items deprecated and the auth overview labels API keys legacy, without removal dates (5 of 20). The docs describe separate US and EU regions and US-only AI processing. A sub-processor page exists at www.pandadoc.com/legal/subprocessors but refused our reader (8 of 20, partly unchecked).",
        "blend": "editorial 33, provenance 84",
        "checklist": [
          "- 0 to 30, source availability and licence clarity. 30 for open source under an OSI licence, 15 for closed with clear terms, 0 for unclear terms.\n- 0 to 30, data handling and retention statements that agree with each other (privacy policy, DPA, retention periods, subprocessors).\n- 0 to 20, a deprecation policy or notices with dates.\n- 0 to 20, telemetry disclosed with an opt-out (local software), or subprocessors and data locations disclosed (hosted).",
          "The other half of Transparency and trust is the provenance score, computed from checked facts (below). The category score is the mean of the two."
        ],
        "checklistUrl": "https://www.anchorterminal.com/benchmark/#checklist-transparency"
      },
      {
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "score": 87,
        "maxGain": 2.1,
        "reason": "Scored on the REST API. The MCP server's tool definitions are visible only after OAuth sign-in. A public OpenAPI 3.0.3 spec at openapi.pandadoc.com and on GitHub under MIT, 133 operations (25). llms.txt at developers.pandadoc.com with a Markdown copy of each page (10). Every operation has a description, median about 180 characters, and the main ones state preconditions, such as Send Document needing `document.draft` status. Few say when not to use an endpoint (15 of 20). Enums, required fields and ID patterns are present, while Create Document is a oneOf whose tokens, fields and metadata are loosely typed objects (11 of 15). More than 1,300 examples in the spec, 429, 401, 403, 404 and 409 listed per operation, and an error object with a code and message on newer endpoints (13 of 15). URL versioning (/v1, /v2, /beta), a semver spec at 8.21.0 and a changelog, though only the newest entry carries a date (13 of 15).",
        "checklist": [
          "APIs and MCP servers.",
          "- 25, a machine-readable contract (a public OpenAPI file or similar; for MCP, typed JSON Schema inputs on every tool).\n- 10, llms.txt or Markdown docs served for agents.\n- 0 to 20, descriptions that say what a tool is for, when to use it and when not to, read from the tool definitions in the source or the API reference.\n- 0 to 15, typed inputs with enums, constraints and required fields, and no free-form JSON blobs.\n- 0 to 15, examples and documented error responses.\n- 15, versioning and a public changelog.",
          "Models are read from the API reference, the OpenAPI file, llms.txt, the structured-output and tool-use docs and the model cards. Frameworks from docs a model can follow, typed interfaces, examples and the API reference."
        ],
        "checklistUrl": "https://www.anchorterminal.com/benchmark/#checklist-schema"
      },
      {
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "score": 77,
        "maxGain": 2,
        "reason": "API 8.21.0 on 2 October 2026, which added the `recipient_qes_verified` webhook event (30). The spec moved from 8.7.1 on 9 July to 8.13.0 on 28 August in the GitHub repository and to 8.21.0 on the docs site, well over three releases in 90 days (20). A closed service with a public changelog, a help centre, an API support address in the spec and a UserVoice forum. We didn't test how quickly support answers (10 of 15). The MCP server is in the official registry under the com.pandadoc.mcp namespace. Official SDKs exist in four languages, but pandadoc-python-client is at 6.2.0 from 8 April 2024 and the Node client's 7.0.0 line has been a release candidate since January 2026 (12 of 15). The Node repository has a publish workflow, and the GitHub copy of the spec trails the docs site by eight versions (5 of 10).",
        "checklist": [
          "- 0 to 30, time since the last release, or the last published model or API change for a closed service. 30 within 30 days, 20 within 90, 10 within 180, 0 older.\n- 20, at least three releases or dated changelog entries in the last 90 days.\n- 0 to 25, responsiveness. Issues and pull requests answered on GitHub (the open issues and how recent the replies are). For closed services, a public changelog and a support or community channel that answers, 0 to 15.\n- 15, presence in the official MCP registry under a verified namespace (MCP servers), or current official SDKs (APIs and models).\n- 10, package health, current dependencies and CI.",
          "Models are read for deprecation notice periods and model churn rather than release counts."
        ],
        "checklistUrl": "https://www.anchorterminal.com/benchmark/#checklist-maintenance"
      }
    ],
    "provenance": [
      {
        "label": "Terms of service",
        "value": "published, but our reader couldn't read it",
        "points": 7,
        "max": 10
      },
      {
        "label": "Privacy policy",
        "value": "published, but our reader couldn't read it",
        "points": 7,
        "max": 10
      },
      {
        "label": "security.txt",
        "value": "could not be fetched",
        "points": 0,
        "max": 10
      }
    ],
    "unchecked": [
      "unchecked: www.pandadoc.com answered our reader with a Vercel browser check (HTTP 429) on every request, so the pricing page, the API pricing page, the Master Services Agreement, the privacy notice, the DPA, the security practices page, the sub-processor list and security.txt were not read. Scores for the SLA, the security programme, licence terms, data handling and sub-processors were set from the developer docs and help centre alone and may be low",
      "unchecked: the registered company name and address, which sit on the unread legal pages",
      "unchecked: whether an SLA with a figure is published for any paid tier",
      "unchecked: whether PandaDoc runs a bug bounty or publishes a disclosure policy",
      "The MCP server's full tool list, input schemas and annotations are visible only after OAuth sign-in. The 17 tool names recorded come from the skills in PandaDoc/mcp-server-guide",
      "Prices for usage credit packs are shown only on the in-app billing page",
      "Changelog entries other than 8.21.0 carry no date on the docs site. Dates for earlier versions come from commits in the GitHub spec repository, which stops at 8.13.0",
      "The sandbox pages say Business and Enterprise while the API reference overview says a sandbox key works on any plan. We recorded both and did not test"
    ],
    "weaknesses": [
      "Three incidents hit document creation, sending or the API between 15 July and 6 September 2026, the longest about 3.5 hours",
      "No idempotency keys, and each document created with a production credential uses one usage credit",
      "Production API keys need approval from Sales, and usage credit pack prices sit on the in-app billing page",
      "Webhook deliveries aren't retried automatically, and a subscription failing for 7 days is deactivated",
      "The Python SDK was last released in April 2024 and the Node SDK's 7.0.0 line has been a release candidate since January 2026"
    ],
    "agentNotes": [
      "Wait for `document.draft` before sending. Creation is asynchronous and a new document stays in `document.uploaded` for a few seconds",
      "Match the region. Accounts on app.pandadoc.eu use api.pandadoc.eu and mcp.pandadoc.eu, and the global hosts reject them",
      "Check for an existing document before retrying a create. There's no idempotency key and each production create uses a usage credit",
      "Retry 409 after a pause and back off on 429. A sandbox key allows 10 requests a minute per endpoint",
      "Don't rely on webhooks alone. Failed deliveries aren't retried, so poll the status endpoint as a fallback"
    ],
    "recheck": "https://www.anchorterminal.com/builders/#disputes"
  },
  "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"
  }
}