fondo-rate-limits

# Fondo Rate Limits ## Overview Fondo itself is a managed tax and accounting service without direct API rate limits, but startups building parallel integrations to the same financial providers Fondo connects to (Gusto, QuickBooks, Plaid, Stripe, Mercury) must coordinate their own API calls to avoid shared-limit conflicts. During Fondo's nightly sync windows, your direct API calls compete for the same provider quotas, making careful scheduling and throttling critical for tax-season workloads and month-end reconciliation batches. ## Rate Limit Reference | Endpoint / Provider | Limit | Window | Scope | |---------------------|-------|--------|-------| | Gusto payroll API | 50 req | 1 minute | Per access token | | QuickBooks Online API | 500 req, 10 concurrent | 1 minute | Per realm (company) | | Plaid transactions | 100 req | 1 minute | Per client_id | | Stripe reads | 100 req/sec | 1 second | Per API key | | Mercury banking API | 50 req | 1 minute | Per API key | ## Rate Limiter Implementation ```typescript class MultiProviderLimiter { private limiters: Map<string, { tokens: number; max: number; lastRefill: number; rate: number }> = new Map(); register(provider: string, maxPerMinute: number) { this.limiters.set(provider, { tokens: maxPerMinute, max: maxPerMinute, lastRefill: Date.now(), rate: maxPerMinute / 60_000, }); } async acquire(provider: string): Promise<void> { const l = this.limiters.get(provider); if (!l) throw new Error(`Unk...