If you're building an Islamic finance application, you need Shariah compliance data you can call from code. Three providers publish a developer API offer today: Halal Terminal, Zoya and Musaffa. This comparison sticks to what each provider states publicly. We publish Halal Terminal, so read our own column with that in mind and check the vendors' pages before you commit.
Facts on Zoya and Musaffa were checked on 2 October 2026 against zoya.finance/api, zoya.finance, Zoya's API announcement and musaffa.com/for-business. Pricing and coverage change; the vendor's page wins over this table.
Platform Comparison
| Feature | Halal Terminal | Zoya API | Musaffa API |
|---|---|---|---|
| Screening methodologies | 5 returned side by side (AAOIFI, DJIM, FTSE, MSCI, S&P) | AAOIFI-based rulebook | Proprietary methodology built on AAOIFI standards |
| Shariah supervision | None. Halal Terminal is not a Shariah board and issues no fatwa | AAOIFI methodology applied under the guidance of Zoya's Shariah advisors | AAOIFI-based, supported by Shariah scholars and an in-house research team |
| Financial ratios | All plans, with the raw figures and the denominator used | Advanced plans only | Detailed screening results |
| Coverage | 50,000+ stocks, plus ETFs | 60,000+ stocks and funds; Basic plans: US only, Advanced: 20+ markets | 120,000+ stocks and ETFs, 70+ exchanges |
| Free access | 500 tokens/month, no card | Free developer account with a sandbox | No self-serve tier; demo with sales |
| Paid plans | Starter $19/mo, Pro $49/mo, Enterprise $199/mo | Personal from $39/mo (Advanced $139/mo); commercial from $399/mo | Starter, Pro and Premium packages, priced through sales |
| Purification / zakat | Both, as endpoints | See vendor docs | Purification and zakat calculators |
| MCP server for AI agents | Yes, 22 tools | Not advertised | Not advertised |
Halal Terminal API
Best for: developers who need to show why a stock passes or fails, and how the standards disagree.
- 5 methodologies in one call. AAOIFI, DJIM, FTSE, MSCI and S&P results come back together, so you can show your users where the standards diverge.
- Ratios with their inputs. Each ratio comes with the raw figures and the denominator it uses (total assets or market capitalisation), traced to the filing.
- Self-serve from day one. 500 free tokens a month without a card, then $19, $49 or $199 a month.
- Built for AI agents. An official MCP server (22 tools) and JS/Python SDKs.
Limits to know. Halal Terminal is not a Shariah board: its results are automated screens, not a religious ruling. Business-activity screening relies on sector classifications, which can be too coarse for conglomerates. Coverage is narrower than Musaffa's.
# One call, 5 methodologies, full ratios
curl https://api.halalterminal.com/api/screen/AAPL \
-H "X-API-Key: YOUR_KEY"Zoya API
Best for: products that want one AAOIFI-based verdict, overseen by Shariah advisors, with public self-serve pricing.
Zoya publishes its API prices: personal plans start at $39 a month and commercial plans at $399 a month. Basic plans cover US stocks; Advanced plans add 20+ global markets and the revenue and financial ratios. A free developer account gives access to a sandbox for testing.
Musaffa API
Best for: international coverage at scale, with screening supported by Shariah scholars.
Musaffa states the broadest coverage of the three (120,000+ stocks and ETFs across 70+ exchanges) and its AAOIFI-based screening is supported by qualified Shariah scholars and an in-house research team. Packages are sold by market access (Starter: one market, Pro: three, Premium: all) and go through a demo with their sales team rather than self-serve signup.
Making Your Choice
| Your need | Best fit |
|---|---|
| A verdict overseen by Shariah scholars | Zoya or Musaffa |
| Broadest international coverage | Musaffa |
| One AAOIFI-based verdict, public self-serve pricing | Zoya |
| Comparing 5 standards and showing the ratios behind them | Halal Terminal |
| Free start without a card, AI agent (MCP) integration | Halal Terminal |
These tools combine well. A common setup is to take the verdict from a scholar-backed provider and use Halal Terminal to explain borderline cases, where the standards and the services disagree.
Build with Halal Terminal
Halal Terminal API
5 screening methodologies side by side, ratios with their inputs, ETF analysis, zakat and purification, MCP tools. 500 free tokens a month, no card.
Key Takeaways
- Musaffa: broadest coverage (120,000+), AAOIFI-based with Shariah scholars, sold through sales
- Zoya: AAOIFI-based rulebook, public pricing from $39/mo, free sandbox; Basic plans are US-only
- Halal Terminal: 5 standards side by side with their ratios, 500 free tokens/month, MCP server; not a Shariah board
- For a verdict, rely on a scholar-backed service; to understand and compare, use Halal Terminal alongside it
Important Disclaimer
Not financial advice. The information provided on this page is for educational and informational purposes only and should not be construed as financial advice, investment advice, trading advice, or any other type of advice. You should not make any financial decisions based solely on the information presented here.
Not a fatwa. Shariah compliance screening results are generated using automated data analysis based on publicly available financial data. These results do not constitute a religious ruling (fatwa) and should not be treated as one. Always consult a qualified Islamic scholar or Shariah advisor for guidance specific to your situation.
Do your own research. Past performance and current compliance status do not guarantee future results or continued compliance. Screening data may contain errors or become outdated. Always verify information independently and consult with a qualified financial advisor before making any investment decisions.