Finch

Finch is a unified employment API providing standardized read and write access to HRIS, payroll, and benefits systems. Through a single integration, developers can pull company directory data, individual PII, employment records, payments, pay statements, and benefits across hundreds of providers (ADP, Gusto, Paylocity, Workday, BambooHR, Rippling, Justworks, TriNet, and more). Finch Connect handles end-user authorization via OAuth.

Finch publishes 8 API contracts indexed on the APIs.io network, including Connect API, Benefits API, Deductions API, and 5 more. Tagged areas include Employment, HRIS, Payroll, Benefits, and Human Resources.

The Finch catalog on APIs.io includes 1 Spectral governance ruleset.

Finch’s developer surface includes authentication, documentation, API reference, signup flow, pricing, engineering blog, changelog, and 12 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

41.7/100 developing ▬ flat Agent 40/100 agent ready Front door AI 1/6 silent Heartbeat 78/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract 1 MCP Servers

Employment HRIS Payroll Benefits Human Resources Unified API Workforce Integration Employee Benefits

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Human Capital Management

BC-300

BenefitsDeductionsDocumentsOrganizationPayroll

GET /employer/plans GET /employer/plans-enrollments POST /employer/benefits POST /employer/benefits/{benefit_id}

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 41.7/100 · developing

Contract Quality 10.5 / 19

Developer Ergonomics 4.7 / 15

Access Clarity 5.9 / 15

Operational Transparency 4.1 / 10

Contract Governance 1.2 / 9

Discoverability 5.6 / 8

Regulatory Posture 2.5 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 40/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Employment & Payroll regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Developer Ergonomics scores 31.0 — up to +13.8 composite points
Access Clarity scores 39.5 — up to +12.1 composite points
Contract Quality scores 56.2 — up to +11.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/finch/apis.yml: open an issue on github.com/api-evangelist/finch to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
HR and Payroll	coverage	52.8	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

OpenAPI

measured — observed by APIs.io (published)

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

Finch Connect API

The Connect API from Finch — 1 operation(s) for connect.

Finch Benefits API

The Benefits API from Finch — 4 operation(s) for benefits.

Finch Deductions API

The Deductions API from Finch — 6 operation(s) for deductions.

Finch Documents API

The Documents API from Finch — 2 operation(s) for documents.

Finch Management API

The Management API from Finch — 9 operation(s) for management.

Finch Organization API

The Organization API from Finch — 4 operation(s) for organization.

Finch Payroll API

The Payroll API from Finch — 8 operation(s) for payroll.

Finch Sandbox API

The Sandbox API from Finch — 9 operation(s) for sandbox.

Scroll for all 8

Open Collections 4

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Finch Auth API

OPEN COLLECTION

Finch Auth Connect API

OPEN COLLECTION

Finch Auth Employer API

OPEN COLLECTION

Finch API

OPEN COLLECTION

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Finch MCP Server

Remote MCP server at developer.tryfinch.com over HTTP; 3 tools listed.

MCP SERVER

Finch API pricing

Not yet checked against Finch's own pricing page. Compiled by API Evangelist on 2026-05-04; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Free freemium	Free
Professional paid	Free
Enterprise enterprise	—

Plan details, limits and sources →

Rate limits

Free Tier Default: 10 requests per minute
Free Tier Monthly Quota: 1000 requests per month
Professional Tier Default: 100 requests per minute

Compiled by API Evangelist, not yet checked against Finch's documentation. All 5 limits →

Pricing Plans 1

Published pricing tiers and plan structures.

Finch Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Finch Rate Limits

5 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Finch

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Finch Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Finch API Rules

58 rules · 41 errors 13 warnings 4 info

SPECTRAL

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Finch Authentication

http · 1 scheme

SECURITY

Finch Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Finch Trust Center

SOC 2

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Finch Agentic Access

9 operations · 2 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

Signup

Signup

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LlmsText

LlmsText

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

TrustCenter

TrustCenter

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

ChangeLog

ChangeLog

StatusPage

StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Pricing

Pricing

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: finch
name: Finch
description: Finch is a unified employment API providing standardized read and write access to HRIS, payroll, and benefits
  systems. Through a single integration, developers can pull company directory data, individual PII, employment records, payments,
  pay statements, and benefits across hundreds of providers (ADP, Gusto, Paylocity, Workday, BambooHR, Rippling, Justworks,
  TriNet, and more). Finch Connect handles end-user authorization via OAuth.
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/finch.png
access: 3rd-Party
position: Consuming
x-docs-platform: mintlify
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-03
x-docs-hosting: vercel
tags:
- Employment
- HRIS
- Payroll
- Benefits
- Human Resources
- Unified API
- Workforce
- Integration
- Employee Benefits
tags_raw:
- Employment
- HRIS
- Payroll
- Benefits
- HR
- Unified API
- Workforce
- Unified-API
- Integration
- Employee Benefits
url: https://raw.githubusercontent.com/api-evangelist/finch/refs/heads/main/apis.yml
created: '2026-03-16'
modified: '2026-05-19'
specificationVersion: '0.23'
apis:
- aid: finch:finch-connect-api
  name: Finch Connect API
  description: The Connect API from Finch — 1 operation(s) for connect.
  humanURL: https://www.tryfinch.com/
  baseURL: https://api.tryfinch.com
  tags:
  - Connect
  properties:
  - type: OpenAPI
    url: openapi/finch-connect-api-openapi.yml
  - type: Documentation
    url: https://developer.tryfinch.com/
  - type: APIReference
    url: https://developer.tryfinch.com/api-reference/
  - type: Signup
    url: https://dashboard.tryfinch.com/signup
  - type: Pricing
    url: https://www.tryfinch.com/pricing
- aid: finch:finch-benefits-api
  name: Finch Benefits API
  description: The Benefits API from Finch — 4 operation(s) for benefits.
  humanURL: https://www.tryfinch.com/
  baseURL: https://api.tryfinch.com
  tags:
  - Benefits
  properties:
  - type: OpenAPI
    url: openapi/finch-benefits-api-openapi.yml
  - type: Documentation
    url: https://developer.tryfinch.com/
  - type: APIReference
    url: https://developer.tryfinch.com/api-reference/
  - type: Signup
    url: https://dashboard.tryfinch.com/signup
  - type: Pricing
    url: https://www.tryfinch.com/pricing
- aid: finch:finch-deductions-api
  name: Finch Deductions API
  description: The Deductions API from Finch — 6 operation(s) for deductions.
  humanURL: https://www.tryfinch.com/
  baseURL: https://api.tryfinch.com
  tags:
  - Deductions
  properties:
  - type: OpenAPI
    url: openapi/finch-deductions-api-openapi.yml
  - type: Documentation
    url: https://developer.tryfinch.com/
  - type: APIReference
    url: https://developer.tryfinch.com/api-reference/
  - type: Signup
    url: https://dashboard.tryfinch.com/signup
  - type: Pricing
    url: https://www.tryfinch.com/pricing
- aid: finch:finch-documents-api
  name: Finch Documents API
  description: The Documents API from Finch — 2 operation(s) for documents.
  humanURL: https://www.tryfinch.com/
  baseURL: https://api.tryfinch.com
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/finch-documents-api-openapi.yml
  - type: Documentation
    url: https://developer.tryfinch.com/
  - type: APIReference
    url: https://developer.tryfinch.com/api-reference/
  - type: Signup
    url: https://dashboard.tryfinch.com/signup
  - type: Pricing
    url: https://www.tryfinch.com/pricing
- aid: finch:finch-management-api
  name: Finch Management API
  description: The Management API from Finch — 9 operation(s) for management.
  humanURL: https://www.tryfinch.com/
  baseURL: https://api.tryfinch.com
  tags:
  - Management
  properties:
  - type: OpenAPI
    url: openapi/finch-management-api-openapi.yml
  - type: Documentation
    url: https://developer.tryfinch.com/
  - type: APIReference
    url: https://developer.tryfinch.com/api-reference/
  - type: Signup
    url: https://dashboard.tryfinch.com/signup
  - type: Pricing
    url: https://www.tryfinch.com/pricing
- aid: finch:finch-organization-api
  name: Finch Organization API
  description: The Organization API from Finch — 4 operation(s) for organization.
  humanURL: https://www.tryfinch.com/
  baseURL: https://api.tryfinch.com
  tags:
  - Organization
  properties:
  - type: OpenAPI
    url: openapi/finch-organization-api-openapi.yml
  - type: Documentation
    url: https://developer.tryfinch.com/
  - type: APIReference
    url: https://developer.tryfinch.com/api-reference/
  - type: Signup
    url: https://dashboard.tryfinch.com/signup
  - type: Pricing
    url: https://www.tryfinch.com/pricing
- aid: finch:finch-payroll-api
  name: Finch Payroll API
  description: The Payroll API from Finch — 8 operation(s) for payroll.
  humanURL: https://www.tryfinch.com/
  baseURL: https://api.tryfinch.com
  tags:
  - Payroll
  properties:
  - type: OpenAPI
    url: openapi/finch-payroll-api-openapi.yml
  - type: Documentation
    url: https://developer.tryfinch.com/
  - type: APIReference
    url: https://developer.tryfinch.com/api-reference/
  - type: Signup
    url: https://dashboard.tryfinch.com/signup
  - type: Pricing
    url: https://www.tryfinch.com/pricing
- aid: finch:finch-sandbox-api
  name: Finch Sandbox API
  description: The Sandbox API from Finch — 9 operation(s) for sandbox.
  humanURL: https://www.tryfinch.com/
  baseURL: https://api.tryfinch.com
  tags:
  - Sandbox
  properties:
  - type: OpenAPI
    url: openapi/finch-sandbox-api-openapi.yml
  - type: Documentation
    url: https://developer.tryfinch.com/
  - type: APIReference
    url: https://developer.tryfinch.com/api-reference/
  - type: Signup
    url: https://dashboard.tryfinch.com/signup
  - type: Pricing
    url: https://www.tryfinch.com/pricing
common:
- type: Plans
  url: plans/finch-plans-pricing.yml
- type: RateLimits
  url: rate-limits/finch-rate-limits.yml
- type: FinOps
  url: finops/finch-finops.yml
- type: CapabilityMap
  url: capabilities/finch-capability-edges.yml
  name: Finch Business Capability Map
- type: AgenticAccess
  url: agentic-access/finch-agentic-access.yml
- type: TrustCenter
  url: security/finch-trust-center.yml
- type: DomainSecurity
  url: security/finch-domain-security.yml
- type: Authentication
  url: authentication/finch-authentication.yml
- type: GitHubOrganization
  url: https://github.com/Finch-API
- type: LinkedIn
  url: https://www.linkedin.com/company/finchapi
- type: Website
  url: https://www.tryfinch.com/
- type: Documentation
  url: https://developer.tryfinch.com/
- type: APIReference
  url: https://developer.tryfinch.com/api-reference/
- type: Signup
  url: https://dashboard.tryfinch.com/signup
- type: Pricing
  url: https://www.tryfinch.com/pricing
- type: Blog
  url: https://www.tryfinch.com/blog
- type: ChangeLog
  url: https://developer.tryfinch.com/changelog
- type: StatusPage
  url: https://status.tryfinch.com/
- type: Integrations
  url: https://www.tryfinch.com/integrations
- type: LlmsText
  url: https://developer.tryfinch.com/llms.txt
integrations:
- name: BambooHR
- name: HiBob
- name: Gusto
- name: Justworks
- name: Paychex
- name: Paycor
- name: Paylocity
- name: QuickBooks Payroll
- name: Rippling
- name: TriNet (Zenefits)
- name: UKG Pro
- name: Workday
- name: Run Powered by ADP
maintainers:
- FN: Kin Lane
  email: info@apievangelist.com

Finch API — frequently asked questions

Does Finch have an API?

Yes. APIs.io lists 8 APIs from Finch, including Finch Connect API, Finch Benefits API and Finch Deductions API, and 5 more.

Is there an OpenAPI specification for the Finch API?

Yes. APIs.io indexes 8 OpenAPI specifications for Finch, each linked for download from this page.

How do I authenticate with the Finch API?

Finch uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Finch Authentication.

How much does the Finch API cost?

APIs.io lists 3 pricing plans for Finch, with each plan's price, limits and inclusions under Pricing on this page.

Does Finch have an MCP server?

Yes. APIs.io lists 1 MCP server for Finch: Remote MCP server at developer.tryfinch.com over HTTP; 3 tools listed.

Is the Finch API ready for AI agents?

Finch has a Kin Score of 41.7 out of 100 (developing) and an Agent Readiness score of 39.8 (agent-ready), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

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curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/finch/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/finch/evidence"

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