What Routable does

Routable is a San Francisco-based B2B payout orchestration platform founded in 2017 that helps mid-market and enterprise finance teams automate high-volume vendor and contractor payments across domestic and international rails. The platform combines three core products — Payouts for mass disbursements, Vendor Management for onboarding and compliance, and AP Automation with AI-powered OCR and predictive coding — and supports 220+ countries, 140+ currencies, and multiple payment rails (FedNow, RTP, Same-Day ACH, SWIFT, International ACH). Native two-way ERP sync with NetSuite, Sage Intacct, QuickBooks Online, and Xero at 99.8% accuracy, white-labeled vendor onboarding, automated tax form collection (W-9/W-8/1099/1042-S), and continuous compliance screening against 6,000+ global watchlists are positioned as core differentiators.

The company sells through a hybrid go-to-market that pairs an enterprise field-sales motion (anchored by "Request a demo" CTAs and custom pricing on Scale and Enterprise tiers) with a developer-facing API-first channel and self-serve ERP marketplace listings on NetSuite SuiteApp, Sage Intacct Marketplace, Xero App Store, and QuickBooks Online. Pricing is subscription SaaS starting at $1,250/month for the Growth tier (with a 20% annual discount) and scaling into custom multi-year contracts at Scale and Enterprise, supplemented by embedded payment processing economics. The customer base spans marketplaces, gig economy, insurance, real estate, logistics, distribution, manufacturing, nonprofit, healthcare, travel, retail, fashion, entertainment, HR, financial services, distribution, and energy, with named accounts including Fora Travel, Ethos, Veho, Seated, Garmentory, Postal by Sendoso, Mothership, Stratacomm, Watkins Distributing, Excel Plumbing, and Sol Systems.

Routable has raised approximately $46.5M across five disclosed rounds (2017-2022) with participation from K5 Global, Bossa Invest, Flexport, Gramercy Ventures, Karman Ventures, BoxGroup, Founders' Co-op, Liquid 2 Ventures, Y Combinator, 1984 Ventures, TwentyTwo VC, and Union Bay Partners. The company holds SOC 1 Type 2 and SOC 2 Type I/II certifications and partners with Currencycloud, Visa Global Services Inc., and Convera for licensed payment transmission. Co-founder and CEO Omri Mor and co-founder and Head of AI Tom Harel lead the company, with Brian Walerius as CTO.

Name

Routable

Legal name

Routable Inc.

Website

https://routable.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

Routable is a B2B payout orchestration platform that helps mid-market and enterprise finance teams automate mass vendor and contractor payments, vendor onboarding, and AP workflows across 220+ countries with native ERP sync to NetSuite, Sage Intacct, QuickBooks Online, and Xero.

Ownership category

akta.pro rank

Product category

B2B Payment Automation

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)

akta.pro secondary industries

Marketplace & Platform Seller Payouts (FSAMAKAE), Contractor / Freelancer Payments (FSAMAKAC)

Keywords

• B2B payments platform
• Mass payout API
• Vendor management system
• Accounts payable automation
• International payment processing

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Subscription - SaaS Platform: Routable operates on a subscription SaaS model with three tiers: Growth ($1,250/month), Scale (custom pricing), and Enterprise (custom pricing). Annual billing offers 20% discount. Revenue is primarily subscription-based with recurring monthly/annual fees, supplemented by payment processing fees embedded in the platform cost. The platform claims to be 30% less expensive than competitors for equivalent AP automation.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Routable is a B2B payout orchestration platform that automates mass payouts to vendors, contractors, and partners at scale. The platform combines vendor management, accounts payable automation, and international payment processing behind a unified REST API and dashboard, with real-time two-way sync to ERP/accounting systems. It is designed for companies making anywhere from 100 to 100,000+ payments per month, supporting domestic ACH, instant payments via RTP/FedNow, and cross-border payments to 220+ countries in 140+ currencies.

Product overview

Routable is a B2B payments platform offering mass payouts, vendor management, and AP automation as an integrated suite. The core platform centers on Payouts for high-volume payment disbursements and Vendor Management for onboarding and managing payees. AP Automation provides invoice processing with AI-powered OCR and predictive coding. These products are complemented by specialized modules including International Payments (220+ countries, 140+ currencies), Instant Payments (RTP/FedNow real-time rails), CSV Payments for bulk uploads, Tax Management for 1099/1042 filing, Vendor Compliance Checks for fraud prevention, Payment Reconciliation with 99.8% accurate two-way sync, and Approval Workflows for configurable payment controls. The platform integrates natively with major ERP and accounting systems (NetSuite, Sage Intacct, QuickBooks Online, Xero) and offers a REST API for developer integration.

Differentiator

Problem solved

Functional benefit

Products and services

• Payouts Mass payout solution enabling businesses to send thousands of payments to vendors, contractors, partners, and payees globally, supporting domestic and international payments via multiple rails including RTP, FedNow, Same-Day ACH, and Next-Day ACH. Designed for companies making anywhere from 100 to 100,000+ payments per month.
• Vendor Management All-in-one vendor management system for onboarding, paying, and monitoring vendors and contractors, including white-labeled onboarding flows, tax form collection, payment method management, and compliance verification.
• AP Automation Accounts payable automation platform featuring AI-powered OCR invoice capture, trainable predictive coding, PO matching, approval workflows, and payment reconciliation. Priced 30% less than competitors.
• International Payments Cross-border payment solution supporting 220+ countries and territories in 140+ currencies, delivering payments in 1–3 business days with up to 50% savings on FX rates compared to competitors.

Quantifiable outcome

• 80% reduction in time spent on manual work
• +11 more outcomes

Named customers18 records

Segments13 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability5 records

Feature8 records

Partnerships

Seven partnerships are on record, tiered core.

• J.P. Morgan PaymentscoreStrategic or Co-development Partner · 26 June 2025J.P. Morgan Payments and Routable co-hosted a developer meetup in San Francisco on June 26, 2025, bringing together developers, product builders, and fintech operators to discuss payments infrastructure. The event featured live demonstrations of Validation Services, Online Payments, and Global Payments APIs. This represents a mutual co-marketing and co-development relationship focused on making payments infrastructure more accessible through modern APIs.
• The Currency Cloud LimitedcoreTechnology or IntegrationThe Currency Cloud Limited provides electronic money and payment services for Routable's international payment operations. Registered in England (No. 06323311), authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011. Routable uses Currencycloud for payment services in the United States via Visa Global Services Inc.
• Visa Global Services Inc. (VGSI)coreTechnology or IntegrationVisa Global Services Inc. is a licensed money transmitter (NMLS ID 181032) providing payment services for Routable's US operations. Licensed by the New York Department of Financial Services, registered MSB with FinCEN, and registered Foreign MSB with FINTRAC. VGSI handles Currencycloud payment services in the United States.
• Oracle NetSuitecoreTechnology or IntegrationOracle NetSuite is a deeply integrated ERP partner. Routable provides a real-time two-way sync with 99.8% accuracy, supporting NetSuite custom fields and segments. Key features include AI-powered invoice OCR, PO matching, and multi-entity support via NetSuite OneWorld. Customers like Ethos, Stratacomm, and Postal by Sendoso use this integration.
• Sage IntacctcoreTechnology or IntegrationSage Intacct is an integrated ERP partner with real-time two-way sync (99.8% accuracy) that mirrors the Sage Intacct instance. Routable reflects custom names for standard dimensions automatically and supports multi-entity configurations for 10+ subsidiaries. Listed on Sage Marketplace.
• QuickBooks OnlinecoreTechnology or IntegrationQuickBooks Online integration enables teams to manage accounts payable through automation and easy controls. Routable provides real-time two-way sync with QuickBooks Online, automated invoice creation, and approval workflows. Featured on Intuit's app directory.
• XerocoreTechnology or IntegrationXero is a cloud accounting software partner integrated with Routable via a two-way sync that makes sending invoices and paying bills seamless. Listed on Xero App Store. Customers like RE/MAX benefit from the integration with reduced processing time and accurate account balances.

Scale indicators19 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bill.com: Public B2B AP automation and bill payments platform. Directly competes with Routable on vendor onboarding, bill pay, and approval workflows for SMB and mid-market. Routable positions against Bill.com explicitly in comparison pages, and customer Seated switched from Bill.com to Routable for API-driven payouts.
• Tipalti: Mass payouts, AP automation, and global vendor management platform. Closest direct competitor to Routable, particularly on cross-border mass payouts, contractor payments, and tax form collection. Serves similar mid-market and enterprise finance teams with comparable subscription plus payment economics.
• Melio: B2B payments platform focused on SMB AP and bill pay via ACH and card. Competes with Routable's Growth tier on domestic vendor payments and QuickBooks Online integration, though Melio targets smaller businesses and lacks Routable's mass-payout and cross-border depth.

Emerging players

• Stripe Connect: Stripe's marketplace and platform payouts product. Competes for developer-led mass-payout workloads, particularly with platforms building on Stripe for payments. Routable differentiates on AP automation depth, tax form management, and ERP sync versus Stripe's payments-first focus.
• Airbase: AP automation, corporate cards, and spend management platform for mid-market. Overlaps with Routable on bill capture, approval workflows, and vendor payments, with stronger spend management and cards capabilities but less depth in mass cross-border payouts.
• Modern Treasury: Payment operations platform for ACH, wire, RTP, and FedNow with strong developer API. Competes with Routable on the API-first real-time payout infrastructure layer, particularly for fintechs and platforms building in-house payouts. Less focused on AP automation and vendor management than Routable.
• Dwolla: ACH-focused payment API for B2B payouts and disbursements. Direct competitor on US bank-to-bank payout rails and developer API, though narrower than Routable in cross-border coverage and AP automation features.
• Ramp: Corporate cards, AP automation, and spend management platform. Overlaps with Routable on bill capture and vendor payments for mid-market, though Ramp's strength is cards-first spend management rather than mass payouts and cross-border disbursements.

Broad incumbents

• Corpay: Large public payments company with cross-border payments, FX, and corporate AP offerings. Competes with Routable on international vendor payments and FX pricing from an incumbent position, with broader treasury and corporate card services beyond Routable's scope.
• PayPal Hyperwallet: PayPal's mass payouts platform for marketplaces, gig economy, and creator platforms. Competes with Routable on cross-border payouts to large contractor and seller populations, backed by PayPal's regulatory licensing and global banking relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/RoutableHQ
• Facebookfacebook.com/RoutableHQ

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds5 records

Investors12 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Routable