# ScribeUp > 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. - Canonical: https://www.anchorterminal.com/tools/scribeup - Markdown: https://www.anchorterminal.com/tools/scribeup.md (~3,900 tokens) - Slim: https://www.anchorterminal.com/tools/scribeup.min.md (~1,130 tokens, same facts, less prose, for token-sensitive contexts) - JSON: https://www.anchorterminal.com/tools/scribeup.json (this page as data, same URL with Accept: application/json) - Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt) - API: https://www.anchorterminal.com/api/v1/index.json - Updated: 2026-10-14 ## Overview **Grade F · 7.9/100 · rank #1071 of 1076 · #10 in Subscriptions, bills & personal finance · not agent-ready · not for agents · confidence medium** ## Assessment 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. ## Facts | Field | Value | | --- | --- | | Vendor | ScribeUp Technologies, Inc. (https://scribeup.io) | | Kind | HTTP API | | Category | Subscriptions, bills & personal finance (https://www.anchorterminal.com/categories/personal-finance) | | 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). | | 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. | | x402 | No · No x402, MPP or L402 found on scribeup.io or its terms, checked 14 October 2026. | | Licence | Closed service under the ScribeUp Terms of Service (ScribeUp Technologies, Inc.). | | llms.txt | not found | | 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. | | 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. | | 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). | | Where end users meet it | Inside partner banking apps. The site shows partner logos for Q2, Alkami, Banno, Candescent and Lumin. | | Company | ScribeUp Technologies, Inc. Contact support@scribeup.io and info@scribeup.io (https://scribeup.io/terms-of-service). | | Capabilities | finance.subscriptions, finance.cancellation, finance.bills | | Tags | hosted, official, closed-source, paid, enterprise, not-for-agents, sales-led | | JSON | https://www.anchorterminal.com/api/v1/tools/scribeup.json | ## Score breakdown (methodology v0.4, October 2026 research run) Assessed 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. | Category | Weight | This run | Score (0–100) | Points | | --- | --- | --- | --- | --- | | Reliability | 16% | 20 | 15 | 3.0 | | Performance | 10% | pending | pending | n/a | | Schema & documentation | 13% | 16.2 | 0 | 0.0 | | Agent ergonomics | 13% | 16.2 | 0 | 0.0 | | Security & auth | 14% | 17.5 | 6 | 1.1 | | Payments & pricing | 10% | 12.5 | 0 | 0.0 | | Task success | 10% | pending | pending | n/a | | Maintenance & community | 7% | 8.8 | 2 | 0.2 | | Transparency & trust (editorial 31, provenance 53) | 7% | 8.8 | 42 | 3.7 | | Negative events | up to −15 | up to −15 | none recorded | 0 | | **Total** | | | | **7.9 → F** | ### Why each score - 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). - 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. - Schema & 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). - 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). - Security & 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. - Payments & 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). - 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. - Maintenance & 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). - Transparency & 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). Fix 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) ### What we couldn't check - 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. ### Sources - homepage and solution: (seen 2026-10-14) - developer page: (seen 2026-10-14) - trust centre page: (seen 2026-10-14) - terms of service: (seen 2026-10-14) - privacy policy: (seen 2026-10-14) - status subdomain DNS lookup: (seen 2026-10-14) ## Who's behind it (provenance 53/100, checked 2026-10-14) | Check | Finding | Points | | --- | --- | --- | | Legal entity named | ScribeUp Technologies, Inc. | 20/20 | | Domain age | scribeup.io, registered 2020-10-23 (5 years) | 11/15 | | Endpoint on the vendor's domain | no hosted endpoint | n/a | | Terms of service | published, but our reader couldn't read it | 7/10 | | Privacy policy | published, but our reader couldn't read it | 7/10 | | Status page | not found | 0/10 | | Changelog | not found | 0/10 | | security.txt | not found | 0/10 | 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. ### Terms and privacy, as read A reading by a fixed set of rules, each answered with the vendor's own sentence. Not legal advice. **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). **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). ## Probe metrics Not 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. ## 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. ## Before you call it (notes for agents) 1. 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. 2. Expect data a partner bank collects to fall under that bank's privacy policy, not ScribeUp's. ## Similar tools Ranked by shared capabilities, then score. Same-category tools with no shared capability key are listed last. | Tool | Grade | Score | Rank | Shared capabilities | x402 | Markdown | | --- | --- | --- | --- | --- | --- | --- | | Rocket Money | F | 17 | 1046 | finance.subscriptions, finance.cancellation, finance.bills | no | https://www.anchorterminal.com/tools/rocket-money.md | | PocketGuard | F | 14.6 | 1053 | finance.bills, finance.subscriptions, finance.cancellation | no | https://www.anchorterminal.com/tools/pocketguard.md | | Hiatus | F | 14.3 | 1054 | finance.subscriptions, finance.cancellation, finance.bills | no | https://www.anchorterminal.com/tools/hiatus.md | | Snoop | F | 26.7 | 1027 | finance.subscriptions, finance.bills | no | https://www.anchorterminal.com/tools/snoop.md | | Quicken Simplifi | F | 20.7 | 1037 | finance.subscriptions, finance.bills | no | https://www.anchorterminal.com/tools/quicken-simplifi.md | | Emma | F | 17.4 | 1044 | finance.subscriptions, finance.bills | no | https://www.anchorterminal.com/tools/emma.md | ## Panel reviews (0) Reviewed by the Anchor panel (https://www.anchorterminal.com/reviewers/index.md): . Desk 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 ## 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 (source: ) - 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: ) - 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: ) - The site claims SOC 2 Type II and PCI DSS compliance and links a Vanta trust centre (source: ) - The terms forbid using the service to spider, crawl or scrape (source: ) - #10 of 10 in Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md - All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md ## Compare - [Copilot Money vs ScribeUp](https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.md): F 16.3 vs F 7.9 - [Emma vs ScribeUp](https://www.anchorterminal.com/compare/emma-vs-scribeup.md): F 17.4 vs F 7.9 - [Hiatus vs ScribeUp](https://www.anchorterminal.com/compare/hiatus-vs-scribeup.md): F 14.3 vs F 7.9 - [PocketGuard vs ScribeUp](https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.md): F 14.6 vs F 7.9 - [Quicken Simplifi vs ScribeUp](https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.md): F 20.7 vs F 7.9 - [Rocket Money vs ScribeUp](https://www.anchorterminal.com/compare/rocket-money-vs-scribeup.md): F 17 vs F 7.9 - [ScribeUp vs Snoop](https://www.anchorterminal.com/compare/scribeup-vs-snoop.md): F 7.9 vs F 26.7 ## Verify this listing For 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 HTML badge: ```html ScribeUp on Anchor Terminal ``` Markdown badge, for a README: ```markdown [![ScribeUp on Anchor Terminal](https://www.anchorterminal.com/badges/scribeup.svg)](https://www.anchorterminal.com/tools/scribeup) ``` Plain link: ```html ScribeUp on Anchor Terminal ``` ## Share this listing For 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. - Dark: https://www.anchorterminal.com/assets/share/scribeup-dark.png - Light: https://www.anchorterminal.com/assets/share/scribeup-light.png - Create a video and download its frames: https://www.anchorterminal.com/assets/listing-video/index.html?listing=scribeup