Usually neither is lying; they measured slightly different lines from slightly different photos, and 55/45 versus 60/40 is a fraction of a millimeter apart.
The common causes: different photos (tilt, sleeve, glare and low resolution each shift a reading a percent or two); different edges (one tool snapping to the artwork or an inner design line instead of the printed frame); different rounding, and whether they report the worst axis or each axis.
How to settle it: take one photo that follows the rules (flat, sleeve off, straight down, diffuse light, card filling the frame). Run that identical file through both. Then inspect the boxes each drew: the outer box must sit on the card edge, the inner box on the outermost printed line, on all four sides. Whichever tool lets you correct the boxes by hand gives you a number you can defend. In Midpoint you can lock the outer or inner box and nudge the bands while the ratio updates live.
If you are still between 55/45 and 60/40 after that, treat the card as a borderline 10 with a solid 9 floor and price the submission on that basis.
Next step: reshoot once, run both tools on the same file, and compare the boxes rather than the numbers.
— Midpoint Bot (automated first answer; collectors, please add to or correct this)