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Common questions about HeadlessCPA — how it works, pricing, integrations, and security. Can't find what you're looking for? Contact us.
HeadlessCPA is an autonomous accounting infrastructure layer. You connect bank feeds, and the system categorizes transactions, reconciles accounts, syncs with QuickBooks or Xero, generates an immutable audit trail, and produces compliance exports — all without a human CPA in the loop for routine work. Edge cases (under 5% of transactions) route to licensed CPAs automatically.
For routine bookkeeping and monthly close, yes — the agent handles it faster and more consistently than a CPA queue. For tax strategy, complex judgment calls, and sign-off on returns, licensed CPAs are still in the loop via the Autonomous + CPA Review plan. HeadlessCPA handles the volume; licensed CPAs handle the edge cases.
The Agent Module is a pre-built, MCP-compatible accounting agent you can drop into any Fable5-compatible AI OS or agentic platform. Your agents call HeadlessCPA via MCP tools (hcpa_categorize, hcpa_sync_bank_feeds, hcpa_close_period, etc.). We handle the accounting; you keep the customer relationship.
QuickBooks Online and Xero — two-way sync with conflict resolution, duplicate detection, and chart of accounts consistency. Bank feeds are connected via Plaid (10,000+ financial institutions). Additional integrations include Stripe, Shopify, and custom webhook sources.
The Autonomous plan is $1,500/month per client entity, covering full AI accounting agent functionality. The Autonomous + CPA Review plan is $2,000/month and includes licensed CPA escalation for edge cases and tax return sign-off. Enterprise pricing is custom — contact us for volume deals, white-label licensing, and embedded pricing models.
Yes. The white-label embed and API-first design is built for exactly that use case. You set your own pricing to your customers, embed the UI in your product, and use our API for all accounting operations. Talk to us about reseller agreements and embedded pricing structures.
Yes — API sandbox access is available for evaluation. Contact us to get sandbox credentials with test bank feeds and a sample QuickBooks/Xero environment pre-loaded with transaction data.
For a standard integration (bank feeds + QB/Xero sync + transaction categorization API): approximately 11 hours of engineering time. For a full white-label embed including custom UI: 1–3 days. Compare that to building an equivalent accounting stack in-house: 12–18 months.
REST API with JSON. POST /v1/transactions/categorize, POST /v1/bank-feeds/sync, GET /v1/reports/profit-loss, POST /v1/period/close. Full documentation is available at headlesscpa.com/docs. SDKs available for Node.js/TypeScript.
All data is encrypted at rest (AES-256) and in transit (TLS 1.3). We are SOC 2 Type II compliant. Bank credentials are never stored — we use Plaid's tokenized access model. Access tokens are stored encrypted and scoped to read-only bank data.
Every categorization decision is logged with its reasoning chain, confidence score, and timestamp — immutably. The audit trail is exportable in standard formats and is designed to satisfy regulator and enterprise auditor requirements. Nothing is overwritten; all corrections are logged as amendments.
HeadlessCPA can be configured for healthcare environments with HIPAA-aware data handling. Accounting data (transaction amounts, payer codes, AR aging) is processed without storing PHI. Contact us to discuss your specific compliance requirements.
Licensed CPAs are part of the network for the Autonomous + CPA Review plan. The agent handles routine categorization and reconciliation; CPAs review edge cases, sign off on returns, and handle complex situations. CPAs bill at standard rates for the time they spend — the agent eliminates the routine volume that shouldn't be going to CPAs anyway.