{ "data": { "similar": [ { "grade": "F", "json": "https://www.anchorterminal.com/tools/rocket-money.json", "name": "Rocket Money", "score": 17, "shared": [ "finance.subscriptions", "finance.cancellation", "finance.bills" ], "slug": "rocket-money" }, { "grade": "F", "json": "https://www.anchorterminal.com/tools/pocketguard.json", "name": "PocketGuard", "score": 14.6, "shared": [ "finance.bills", "finance.subscriptions", "finance.cancellation" ], "slug": "pocketguard" }, { "grade": "F", "json": "https://www.anchorterminal.com/tools/hiatus.json", "name": "Hiatus", "score": 14.3, "shared": [ "finance.subscriptions", "finance.cancellation", "finance.bills" ], "slug": "hiatus" }, { "grade": "F", "json": "https://www.anchorterminal.com/tools/snoop.json", "name": "Snoop", "score": 26.7, "shared": [ "finance.subscriptions", "finance.bills" ], "slug": "snoop" }, { "grade": "F", "json": "https://www.anchorterminal.com/tools/quicken-simplifi.json", "name": "Quicken Simplifi", "score": 20.7, "shared": [ "finance.subscriptions", "finance.bills" ], "slug": "quicken-simplifi" }, { "grade": "F", "json": "https://www.anchorterminal.com/tools/emma.json", "name": "Emma", "score": 17.4, "shared": [ "finance.subscriptions", "finance.bills" ], "slug": "emma" } ], "tool": { "slug": "scribeup", "name": "ScribeUp", "vendor": "ScribeUp Technologies, Inc.", "vendorUrl": "https://scribeup.io", "kind": "http-api", "category": "personal-finance", "summary": "ScribeUp is an embedded subscription and recurring-bill management service that banks, credit unions and fintechs put inside their own apps. It finds subscriptions and cancels them or updates the card on file, by SDK, iFrame or API.", "url": "https://www.anchorterminal.com/tools/scribeup", "markdownUrl": "https://www.anchorterminal.com/tools/scribeup.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/scribeup.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/scribeup.json", "license": "Closed service under the ScribeUp Terms of Service (ScribeUp Technologies, Inc.).", "transports": [], "packages": [], "auth": "mixed", "authNotes": "Partners initialise the SDK with client credentials, per scribeup.io/developer, but the developer docs are locked and access starts with a demo request. End users reach ScribeUp only inside a partner's app, and it temporarily stores merchant logins and session tokens, encrypted, for automated tasks (https://scribeup.io/privacy).", "pricing": "paid", "pricingNotes": "No public prices. Access for banks, credit unions and fintechs starts with a demo request on scribeup.io, checked 14 October 2026. No free tier or sandbox was found.", "priceSummary": "Paid", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 found on scribeup.io or its terms, checked 14 October 2026.", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "capabilities": [ "finance.subscriptions", "finance.cancellation", "finance.bills" ], "tags": [ "hosted", "official", "closed-source", "paid", "enterprise", "not-for-agents", "sales-led" ], "graded": true, "anchor": { "graded": true, "score": 7.9, "grade": "F", "agentReady": false, "rank": 1071, "ranked": true, "rankOf": 1076, "categoryRank": 10, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 2, "payments": 0, "reliability": 15, "schema": 0, "security": 6, "transparency": 42 }, "pending": [ "performance", "tasks" ], "breakdown": [ { "key": "reliability", "name": "Reliability", "weight": 16, "effectiveWeight": 20, "score": 15, "points": 3, "reason": "Read with the hosted lines. No status page found, and status.scribeup.io has no DNS record (0). No readable incident history (5). No limits published (0). No overload or retry guidance (0). No SLA published (0). The service is sold to partners and isn't labelled beta (10)." }, { "key": "performance", "name": "Performance", "weight": 10, "effectiveWeight": 0, "pending": true, "points": 0, "reason": "Pending. Latency is measured per call by our probes, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until the first probe window closes." }, { "key": "schema", "name": "Schema \u0026 documentation", "weight": 13, "effectiveWeight": 16.25, "score": 0, "points": 0, "reason": "Graded on the interface an outside agent can use. The partner API's docs are locked, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). No llms.txt (0 of 10). No public changelog (0 of 15)." }, { "key": "ergonomics", "name": "Agent ergonomics", "weight": 13, "effectiveWeight": 16.25, "score": 0, "points": 0, "reason": "Graded on the interface an outside agent can use. With no public reference, context cost, pagination, errors, retries and defaults have nothing to score (0 on each line)." }, { "key": "security", "name": "Security \u0026 auth", "weight": 14, "effectiveWeight": 17.5, "score": 6, "points": 1.05, "reason": "Graded on the interface an outside agent can use. With none public, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15). Security programme. SOC 2 Type II and PCI DSS are claimed on scribeup.io with a Vanta trust centre, whose report we didn't read, and an enterprise DPA is mentioned. No security.txt, disclosure policy or bug bounty found (6 of 20). For the record, ScribeUp temporarily stores merchant logins and session tokens, encrypted." }, { "key": "payments", "name": "Payments \u0026 pricing", "weight": 10, "effectiveWeight": 12.5, "score": 0, "points": 0, "reason": "Read with the hosted rule. No x402, MPP or L402 (0). No public prices, access by demo request (0). No free tier or sandbox found (0). A business has to request a demo (0)." }, { "key": "tasks", "name": "Task success", "weight": 10, "effectiveWeight": 0, "pending": true, "points": 0, "reason": "Pending. Task success needs the category task suites run through each tool, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until then. A data provider's data-quality score is published on its listing now and becomes half of this category when it's scored." }, { "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7, "effectiveWeight": 8.75, "score": 2, "points": 0.18, "reason": "Read for a closed service. No release notes, changelog or dated product change found (0). None in the last 90 days either (0). Contact addresses only, untested (2 of 15). No public SDK package (0). Nothing to judge for package health (0)." }, { "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7, "effectiveWeight": 8.75, "score": 42, "points": 3.68, "note": "editorial 31, provenance 53", "reason": "Closed service under terms naming ScribeUp Technologies, Inc., effective 1 October 2026 (15). The privacy policy, same date, gives retention criteria without periods, names Plaid and explains merchant credential storage (12 of 30). No deprecation policy or notices found (0 of 20). Only Plaid named among processors, with no regions (4 of 20)." } ], "assessment": { "date": "2026-10-14", "basis": "public evidence", "confidence": "medium", "notes": { "ergonomics": "Graded on the interface an outside agent can use. With no public reference, context cost, pagination, errors, retries and defaults have nothing to score (0 on each line).", "maintenance": "Read for a closed service. No release notes, changelog or dated product change found (0). None in the last 90 days either (0). Contact addresses only, untested (2 of 15). No public SDK package (0). Nothing to judge for package health (0).", "payments": "Read with the hosted rule. No x402, MPP or L402 (0). No public prices, access by demo request (0). No free tier or sandbox found (0). A business has to request a demo (0).", "reliability": "Read with the hosted lines. No status page found, and status.scribeup.io has no DNS record (0). No readable incident history (5). No limits published (0). No overload or retry guidance (0). No SLA published (0). The service is sold to partners and isn't labelled beta (10).", "schema": "Graded on the interface an outside agent can use. The partner API's docs are locked, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). No llms.txt (0 of 10). No public changelog (0 of 15).", "security": "Graded on the interface an outside agent can use. With none public, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15). Security programme. SOC 2 Type II and PCI DSS are claimed on scribeup.io with a Vanta trust centre, whose report we didn't read, and an enterprise DPA is mentioned. No security.txt, disclosure policy or bug bounty found (6 of 20). For the record, ScribeUp temporarily stores merchant logins and session tokens, encrypted.", "transparency": "Closed service under terms naming ScribeUp Technologies, Inc., effective 1 October 2026 (15). The privacy policy, same date, gives retention criteria without periods, names Plaid and explains merchant credential storage (12 of 30). No deprecation policy or notices found (0 of 20). Only Plaid named among processors, with no regions (4 of 20)." }, "sources": [ { "what": "homepage and solution", "url": "https://scribeup.io", "seen": "2026-10-14" }, { "what": "developer page", "url": "https://scribeup.io/developer", "seen": "2026-10-14" }, { "what": "trust centre page", "url": "https://scribeup.io/trust-center", "seen": "2026-10-14" }, { "what": "terms of service", "url": "https://scribeup.io/terms-of-service", "seen": "2026-10-14" }, { "what": "privacy policy", "url": "https://scribeup.io/privacy", "seen": "2026-10-14" }, { "what": "status subdomain DNS lookup", "url": "https://dns.google/resolve?name=status.scribeup.io\u0026type=A", "seen": "2026-10-14" } ], "openQuestions": [ "unchecked: the Vanta trust centre at app.vanta.com and any SOC 2 report.", "The partner API's contract, authentication and limits, which aren't public.", "Whether ScribeUp still runs the consumer Chrome extension that third-party pages mention." ] }, "negative": 0, "verdict": "ScribeUp sells subscription detection, one-click cancellation and card updating to banks and fintechs, embedded by SDK, iFrame or API, and claims SOC 2 Type II and PCI DSS compliance. There is no public API or MCP server an outside agent can call today. Developer docs are locked and access starts with a demo request.", "bestFor": "Banks and fintechs that want subscription management inside their app.", "strengths": [ "Embeds by SDK, iFrame or API, with webhooks and events, per its developer page.", "Claims SOC 2 Type II and PCI DSS compliance, with a trust centre run on Vanta.", "Terms and privacy policy dated 1 October 2026, explaining how merchant credentials are stored." ], "weaknesses": [ "No public API or MCP server an outside agent can call.", "The Developer docs link on scribeup.io is locked, and access starts with a demo request.", "No public prices, free tier or sandbox.", "No changelog, release notes or status page found." ], "agentNotes": [ "Don't plan to call ScribeUp from another agent. Send a person to their bank's app if it embeds ScribeUp, or a business to ScribeUp's demo request.", "Expect data a partner bank collects to fall under that bank's privacy policy, not ScribeUp's." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "F", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 7.9 } ], "editorialScores": { "ergonomics": 0, "maintenance": 2, "payments": 0, "reliability": 15, "schema": 0, "security": 6, "transparency": 31 }, "provenanceScore": 53 }, "connect": {}, "letme": { "capability": "https://letme.dev/finance.subscriptions", "tool": "https://letme.dev/scribeup" }, "notable": [ "scribeup.io/developer describes integration in three steps, SDK install with client credentials, an embedded SDK widget or iFrame, and webhooks and events, with the Developer docs link locked (https://scribeup.io/developer)", "The site lists end-to-end subscription management by SDK or iFrame, and one-click cancellation, one-click payment updater and cross-sell by API or in-product (https://scribeup.io/solution)", "The privacy policy says ScribeUp temporarily stores encrypted merchant login credentials and session tokens to run automated subscription tasks, and receives transaction data from Plaid (https://scribeup.io/privacy)", "The site claims SOC 2 Type II and PCI DSS compliance and links a Vanta trust centre (https://scribeup.io/trust-center)", "The terms forbid using the service to spider, crawl or scrape (https://scribeup.io/terms-of-service)" ], "area": "domain-data", "details": [ { "label": "Surface listed", "value": "ScribeUp's partner API, SDK and embedded app as described on scribeup.io, its developer, trust centre, terms and privacy pages on 14 October 2026. No demo was requested and the trust centre on app.vanta.com wasn't read." }, { "label": "Outside agent access", "value": "None. The API and SDK are for partner banks and fintechs, the developer docs are locked, and access starts with a demo request." }, { "label": "What it acts on", "value": "Subscriptions and recurring bills found in a partner's card and account data, merchant cancellations and card-on-file updates (https://scribeup.io)." }, { "label": "Where end users meet it", "value": "Inside partner banking apps. The site shows partner logos for Q2, Alkami, Banno, Candescent and Lumin." }, { "label": "Company", "value": "ScribeUp Technologies, Inc. Contact support@scribeup.io and info@scribeup.io (https://scribeup.io/terms-of-service)." } ], "provenance": { "legalEntity": "ScribeUp Technologies, Inc.", "domain": "scribeup.io", "domainRegistered": "2020-10-23", "endpointOnVendorDomain": null, "terms": "https://scribeup.io/terms-of-service", "privacy": "https://scribeup.io/privacy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The terms and privacy policy are effective 1 October 2026.", "scribeup.io/.well-known/security.txt returns the site's HTML page, not a security.txt. status.scribeup.io has no DNS record.", "The site's inquiry form posts to production.api.scribeup.co.", "RDAP gives a registration date of 2020-10-23 for scribeup.io." ], "score": 53, "checks": [ { "check": "Legal entity named", "value": "ScribeUp Technologies, Inc.", "points": 20, "max": 20, "state": "ok" }, { "check": "Domain age", "value": "scribeup.io, registered 2020-10-23 (5 years)", "points": 11, "max": 15, "state": "part" }, { "check": "Endpoint on the vendor's domain", "value": "no hosted endpoint", "points": 0, "max": 0, "state": "na" }, { "check": "Terms of service", "value": "published, but our reader couldn't read it", "points": 7, "max": 10, "state": "part" }, { "check": "Privacy policy", "value": "published, but our reader couldn't read it", "points": 7, "max": 10, "state": "part" }, { "check": "Status page", "value": "not found", "points": 0, "max": 10, "state": "no" }, { "check": "Changelog", "value": "not found", "points": 0, "max": 10, "state": "no" }, { "check": "security.txt", "value": "not found", "points": 0, "max": 10, "state": "no" } ], "policies": [ { "kind": "terms", "url": "https://scribeup.io/terms-of-service", "state": "unreadable", "reason": "the page has 1 words of text without a browser, so the document is drawn by script or sits elsewhere", "readAt": "2026-10-14", "points": 7, "max": 10 }, { "kind": "privacy", "url": "https://scribeup.io/privacy", "state": "unreadable", "reason": "the page has 1 words of text without a browser, so the document is drawn by script or sits elsewhere", "readAt": "2026-10-14", "points": 7, "max": 10 } ] }, "pageJsonUrl": "https://www.anchorterminal.com/tools/scribeup.json" }, "verify": { "accepts": "a page on scribeup.io or one of its subdomains", "badgeUrl": "https://www.anchorterminal.com/badges/scribeup.svg", "body": { "slug": "scribeup", "url": "the page with the badge or the link" }, "docs": "https://www.anchorterminal.com/builders/#verify", "effect": "none, it never changes a grade, rank or review", "endpoint": "https://www.anchorterminal.com/api/v1/verify", "listingUrl": "https://www.anchorterminal.com/tools/scribeup", "mcpTool": "verify_listing", "recheck": "weekly; two failed checks in a row and it lapses, a later pass restores it", "snippets": { "html": "\u003ca href=\"https://www.anchorterminal.com/tools/scribeup\"\u003e\u003cimg src=\"https://www.anchorterminal.com/badges/scribeup.svg\" alt=\"ScribeUp on Anchor Terminal\" height=\"20\"\u003e\u003c/a\u003e", "markdown": "[![ScribeUp on Anchor Terminal](https://www.anchorterminal.com/badges/scribeup.svg)](https://www.anchorterminal.com/tools/scribeup)", "link": "\u003ca href=\"https://www.anchorterminal.com/tools/scribeup\"\u003eScribeUp on Anchor Terminal\u003c/a\u003e" } } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/tools/scribeup", "json": "https://www.anchorterminal.com/tools/scribeup.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/tools/scribeup.md", "slim": "https://www.anchorterminal.com/tools/scribeup.min.md" }, "markdown": "## Overview\n\n**Grade F · 7.9/100 · rank #1071 of 1076 · #10 in Subscriptions, bills \u0026 personal finance · not agent-ready · not for agents · confidence medium**\n\n\n## Assessment\n\nScribeUp sells subscription detection, one-click cancellation and card updating to banks and fintechs, embedded by SDK, iFrame or API, and claims SOC 2 Type II and PCI DSS compliance. There is no public API or MCP server an outside agent can call today. Developer docs are locked and access starts with a demo request.\n\n## Facts\n\n| Field | Value |\n| --- | --- |\n| Vendor | ScribeUp Technologies, Inc. (https://scribeup.io) |\n| Kind | HTTP API |\n| Category | Subscriptions, bills \u0026 personal finance (https://www.anchorterminal.com/categories/personal-finance) |\n| Auth | OAuth or key · Partners initialise the SDK with client credentials, per scribeup.io/developer, but the developer docs are locked and access starts with a demo request. End users reach ScribeUp only inside a partner's app, and it temporarily stores merchant logins and session tokens, encrypted, for automated tasks (https://scribeup.io/privacy). |\n| Pricing | Paid (Paid) · No public prices. Access for banks, credit unions and fintechs starts with a demo request on scribeup.io, checked 14 October 2026. No free tier or sandbox was found. |\n| x402 | No · No x402, MPP or L402 found on scribeup.io or its terms, checked 14 October 2026. |\n| Licence | Closed service under the ScribeUp Terms of Service (ScribeUp Technologies, Inc.). |\n| llms.txt | not found |\n| Surface listed | ScribeUp's partner API, SDK and embedded app as described on scribeup.io, its developer, trust centre, terms and privacy pages on 14 October 2026. No demo was requested and the trust centre on app.vanta.com wasn't read. |\n| Outside agent access | None. The API and SDK are for partner banks and fintechs, the developer docs are locked, and access starts with a demo request. |\n| What it acts on | Subscriptions and recurring bills found in a partner's card and account data, merchant cancellations and card-on-file updates (https://scribeup.io). |\n| Where end users meet it | Inside partner banking apps. The site shows partner logos for Q2, Alkami, Banno, Candescent and Lumin. |\n| Company | ScribeUp Technologies, Inc. Contact support@scribeup.io and info@scribeup.io (https://scribeup.io/terms-of-service). |\n| Capabilities | finance.subscriptions, finance.cancellation, finance.bills |\n| Tags | hosted, official, closed-source, paid, enterprise, not-for-agents, sales-led |\n| JSON | https://www.anchorterminal.com/api/v1/tools/scribeup.json |\n\n## Score breakdown (methodology v0.4, October 2026 research run)\n\nAssessed 2026-10-14 from public evidence against the published checklist (https://www.anchorterminal.com/benchmark/#checklist). Confidence: medium. Performance and Task success pending (no score, not in the total); the total is Σ(score × weight) ÷ 80 over the 7 assessed categories. \"This run\" is each category's share of the 100 points.\n\n| Category | Weight | This run | Score (0–100) | Points |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% | 20 | 15 | 3.0 |\n| Performance | 10% | pending | pending | n/a |\n| Schema \u0026 documentation | 13% | 16.2 | 0 | 0.0 |\n| Agent ergonomics | 13% | 16.2 | 0 | 0.0 |\n| Security \u0026 auth | 14% | 17.5 | 6 | 1.1 |\n| Payments \u0026 pricing | 10% | 12.5 | 0 | 0.0 |\n| Task success | 10% | pending | pending | n/a |\n| Maintenance \u0026 community | 7% | 8.8 | 2 | 0.2 |\n| Transparency \u0026 trust (editorial 31, provenance 53) | 7% | 8.8 | 42 | 3.7 |\n| Negative events | up to −15 | up to −15 | none recorded | 0 |\n| **Total** | | | | **7.9 → F** |\n\n### Why each score\n\n- Reliability 15: Read with the hosted lines. No status page found, and status.scribeup.io has no DNS record (0). No readable incident history (5). No limits published (0). No overload or retry guidance (0). No SLA published (0). The service is sold to partners and isn't labelled beta (10).\n- Performance: Pending. Latency is measured per call by our probes, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until the first probe window closes.\n- Schema \u0026 documentation 0: Graded on the interface an outside agent can use. The partner API's docs are locked, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). No llms.txt (0 of 10). No public changelog (0 of 15).\n- Agent ergonomics 0: Graded on the interface an outside agent can use. With no public reference, context cost, pagination, errors, retries and defaults have nothing to score (0 on each line).\n- Security \u0026 auth 6: Graded on the interface an outside agent can use. With none public, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15). Security programme. SOC 2 Type II and PCI DSS are claimed on scribeup.io with a Vanta trust centre, whose report we didn't read, and an enterprise DPA is mentioned. No security.txt, disclosure policy or bug bounty found (6 of 20). For the record, ScribeUp temporarily stores merchant logins and session tokens, encrypted.\n- Payments \u0026 pricing 0: Read with the hosted rule. No x402, MPP or L402 (0). No public prices, access by demo request (0). No free tier or sandbox found (0). A business has to request a demo (0).\n- Task success: Pending. Task success needs the category task suites run through each tool, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until then. A data provider's data-quality score is published on its listing now and becomes half of this category when it's scored.\n- Maintenance \u0026 community 2: Read for a closed service. No release notes, changelog or dated product change found (0). None in the last 90 days either (0). Contact addresses only, untested (2 of 15). No public SDK package (0). Nothing to judge for package health (0).\n- Transparency \u0026 trust 42: Closed service under terms naming ScribeUp Technologies, Inc., effective 1 October 2026 (15). The privacy policy, same date, gives retention criteria without periods, names Plaid and explains merchant credential storage (12 of 30). No deprecation policy or notices found (0 of 20). Only Plaid named among processors, with no regions (4 of 20).\n\nFix list for a coding agent, everything this grade says the listing lacks, the biggest gain first (16 items): https://www.anchorterminal.com/fixes/scribeup.md (JSON https://www.anchorterminal.com/fixes/scribeup.json)\n\n### What we couldn't check\n\n- unchecked: the Vanta trust centre at app.vanta.com and any SOC 2 report.\n- The partner API's contract, authentication and limits, which aren't public.\n- Whether ScribeUp still runs the consumer Chrome extension that third-party pages mention.\n\n### Sources\n\n- homepage and solution: \u003chttps://scribeup.io\u003e (seen 2026-10-14)\n- developer page: \u003chttps://scribeup.io/developer\u003e (seen 2026-10-14)\n- trust centre page: \u003chttps://scribeup.io/trust-center\u003e (seen 2026-10-14)\n- terms of service: \u003chttps://scribeup.io/terms-of-service\u003e (seen 2026-10-14)\n- privacy policy: \u003chttps://scribeup.io/privacy\u003e (seen 2026-10-14)\n- status subdomain DNS lookup: \u003chttps://dns.google/resolve?name=status.scribeup.io\u0026type=A\u003e (seen 2026-10-14)\n\n## Who's behind it (provenance 53/100, checked 2026-10-14)\n\n| Check | Finding | Points |\n| --- | --- | --- |\n| Legal entity named | ScribeUp Technologies, Inc. | 20/20 |\n| Domain age | scribeup.io, registered 2020-10-23 (5 years) | 11/15 |\n| Endpoint on the vendor's domain | no hosted endpoint | n/a |\n| Terms of service | published, but our reader couldn't read it | 7/10 |\n| Privacy policy | published, but our reader couldn't read it | 7/10 |\n| Status page | not found | 0/10 |\n| Changelog | not found | 0/10 |\n| security.txt | not found | 0/10 |\n\nThe terms and privacy policy are effective 1 October 2026.\n\nscribeup.io/.well-known/security.txt returns the site's HTML page, not a security.txt. status.scribeup.io has no DNS record.\n\nThe site's inquiry form posts to production.api.scribeup.co.\n\nRDAP gives a registration date of 2020-10-23 for scribeup.io.\n\n### Terms and privacy, as read\n\nA reading by a fixed set of rules, each answered with the vendor's own sentence. Not legal advice.\n\n**Terms of service** (https://scribeup.io/terms-of-service), read 2026-10-14. Our reader couldn't read it (the page has 1 words of text without a browser, so the document is drawn by script or sits elsewhere).\n\n\n**Privacy policy** (https://scribeup.io/privacy), read 2026-10-14. Our reader couldn't read it (the page has 1 words of text without a browser, so the document is drawn by script or sits elsewhere).\n\n\n## Probe metrics\n\nNot measured yet. Our benchmark probes haven't run, so there's no availability, latency or error rate from a run and Performance is pending. Live uptime, where we poll the endpoint, is under Live and doesn't change the score.\n\n## Strengths\n\n- Embeds by SDK, iFrame or API, with webhooks and events, per its developer page.\n- Claims SOC 2 Type II and PCI DSS compliance, with a trust centre run on Vanta.\n- Terms and privacy policy dated 1 October 2026, explaining how merchant credentials are stored.\n\n## Weaknesses\n\n- No public API or MCP server an outside agent can call.\n- The Developer docs link on scribeup.io is locked, and access starts with a demo request.\n- No public prices, free tier or sandbox.\n- No changelog, release notes or status page found.\n\n## Before you call it (notes for agents)\n\n1. Don't plan to call ScribeUp from another agent. Send a person to their bank's app if it embeds ScribeUp, or a business to ScribeUp's demo request.\n2. Expect data a partner bank collects to fall under that bank's privacy policy, not ScribeUp's.\n\n## Similar tools\n\nRanked by shared capabilities, then score. Same-category tools with no shared capability key are listed last.\n\n| Tool | Grade | Score | Rank | Shared capabilities | x402 | Markdown |\n| --- | --- | --- | --- | --- | --- | --- |\n| Rocket Money | F | 17 | 1046 | finance.subscriptions, finance.cancellation, finance.bills | no | https://www.anchorterminal.com/tools/rocket-money.md |\n| PocketGuard | F | 14.6 | 1053 | finance.bills, finance.subscriptions, finance.cancellation | no | https://www.anchorterminal.com/tools/pocketguard.md |\n| Hiatus | F | 14.3 | 1054 | finance.subscriptions, finance.cancellation, finance.bills | no | https://www.anchorterminal.com/tools/hiatus.md |\n| Snoop | F | 26.7 | 1027 | finance.subscriptions, finance.bills | no | https://www.anchorterminal.com/tools/snoop.md |\n| Quicken Simplifi | F | 20.7 | 1037 | finance.subscriptions, finance.bills | no | https://www.anchorterminal.com/tools/quicken-simplifi.md |\n| Emma | F | 17.4 | 1044 | finance.subscriptions, finance.bills | no | https://www.anchorterminal.com/tools/emma.md |\n\n## Panel reviews (0)\n\nReviewed by the Anchor panel (https://www.anchorterminal.com/reviewers/index.md): .\n\nDesk reviews, written from public documentation, pricing, terms, source and status history on 1 October 2026. No calls made. For a desk review, the outcome says whether the reviewer's questions could be answered from public material: success, partial or failure. How reviews work: https://www.anchorterminal.com/reviews/how-it-works.md\n\n## Notable\n\n- scribeup.io/developer describes integration in three steps, SDK install with client credentials, an embedded SDK widget or iFrame, and webhooks and events, with the Developer docs link locked (source: \u003chttps://scribeup.io/developer\u003e)\n- The site lists end-to-end subscription management by SDK or iFrame, and one-click cancellation, one-click payment updater and cross-sell by API or in-product (source: \u003chttps://scribeup.io/solution\u003e)\n- The privacy policy says ScribeUp temporarily stores encrypted merchant login credentials and session tokens to run automated subscription tasks, and receives transaction data from Plaid (source: \u003chttps://scribeup.io/privacy\u003e)\n- The site claims SOC 2 Type II and PCI DSS compliance and links a Vanta trust centre (source: \u003chttps://scribeup.io/trust-center\u003e)\n- The terms forbid using the service to spider, crawl or scrape (source: \u003chttps://scribeup.io/terms-of-service\u003e)\n\n- #10 of 10 in Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md\n- All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md\n\n## Compare\n\n- [Copilot Money vs ScribeUp](https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.md): F 16.3 vs F 7.9\n- [Emma vs ScribeUp](https://www.anchorterminal.com/compare/emma-vs-scribeup.md): F 17.4 vs F 7.9\n- [Hiatus vs ScribeUp](https://www.anchorterminal.com/compare/hiatus-vs-scribeup.md): F 14.3 vs F 7.9\n- [PocketGuard vs ScribeUp](https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.md): F 14.6 vs F 7.9\n- [Quicken Simplifi vs ScribeUp](https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.md): F 20.7 vs F 7.9\n- [Rocket Money vs ScribeUp](https://www.anchorterminal.com/compare/rocket-money-vs-scribeup.md): F 17 vs F 7.9\n- [ScribeUp vs Snoop](https://www.anchorterminal.com/compare/scribeup-vs-snoop.md): F 7.9 vs F 26.7\n\n## Verify this listing\n\nFor the vendor. The badge or a plain link to this page verifies the listing, from a page on scribeup.io or one of its subdomains. It shows the listing is the vendor's and that the vendor knows it's here, and it never changes a grade, rank or review. The vendor sends the page's address to `POST https://www.anchorterminal.com/api/v1/verify` as `{\"slug\": \"scribeup\", \"url\": \"…\"}`, or calls the `verify_listing` tool at https://www.anchorterminal.com/mcp. We fetch the page once, then again every week; two failed checks in a row and the verification lapses, and a later pass restores it. What we check: https://www.anchorterminal.com/builders/index.md#verify\n\nHTML badge:\n\n```html\n\u003ca href=\"https://www.anchorterminal.com/tools/scribeup\"\u003e\u003cimg src=\"https://www.anchorterminal.com/badges/scribeup.svg\" alt=\"ScribeUp on Anchor Terminal\" height=\"20\"\u003e\u003c/a\u003e\n```\n\nMarkdown badge, for a README:\n\n```markdown\n[![ScribeUp on Anchor Terminal](https://www.anchorterminal.com/badges/scribeup.svg)](https://www.anchorterminal.com/tools/scribeup)\n```\n\nPlain link:\n\n```html\n\u003ca href=\"https://www.anchorterminal.com/tools/scribeup\"\u003eScribeUp on Anchor Terminal\u003c/a\u003e\n```\n\n## Share this listing\n\nFor the vendor. Sharing assets for social media, two PNGs of 1200 × 630 that say ScribeUp is listed on Anchor Terminal, with the vendor's logo and this page's address and no grade or score.\n\n- Dark: https://www.anchorterminal.com/assets/share/scribeup-dark.png\n- Light: https://www.anchorterminal.com/assets/share/scribeup-light.png\n- Create a video and download its frames: https://www.anchorterminal.com/assets/listing-video/index.html?listing=scribeup\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-14", "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": "Terminal", "url": "https://www.anchorterminal.com/tools/" }, { "name": "Subscriptions, bills \u0026 personal finance", "url": "https://www.anchorterminal.com/categories/personal-finance" }, { "name": "ScribeUp", "url": "" } ], "description": "ScribeUp is an embedded subscription and recurring-bill management service that banks, credit unions and fintechs put inside their own apps. It finds subscriptions and cancels them or updates the card on file, by SDK, iFrame or API.", "facts": [ "rank #1071 of 1076", "OAuth or key auth", "0 desk reviews" ], "h1": "ScribeUp", "image": "https://www.anchorterminal.com/assets/og/tools-scribeup.png", "path": "/tools/scribeup", "published": "2026-10-01", "section": "tools", "title": "ScribeUp review (2026): pricing, alternatives and grade F", "toc": null, "updated": "2026-10-14", "url": "https://www.anchorterminal.com/tools/scribeup" }, "tokens": { "markdown": 3900, "slim": 1130 }, "version": 1 }