What Rutter does

Rutter is a unified API platform that connects 75+ accounting, ERP, commerce, payments, and advertising platforms through a single integration layer, normalized data schemas, and a white-labeled authentication / consent flow called Rutter Link. The company's product portfolio is organized around five core APIs — Accounting, Commerce, Payments, Bank Feeds, and Ads — supplemented by a Unification Layer and a Monitoring & Observability dashboard. Layered on top of these APIs are use-case-specific solutions including Business Underwriting, Invoicing Automation, Bill Pay Automation, Expense Management, Sales Tax Automation, Financial Planning & Analytics, Supplier Enablement (AI-driven), Agentic Commerce, and the recently launched Embedded ERP.

Rutter primarily serves fintech startups and growth-stage companies plus tech-forward banks and financial institutions building embedded financial products such as expense management, lending, and B2B payments. Reported customers include Mercury, Airwallex, Payoneer, PayPal, Mercury, Parafin, Highbeam, Numeral, Keep, Bench, Flex, Truss, Aspire, Orb, Brightflow AI, and Uncapped — a mix of enterprise and startup accounts across banking, payments, and financial services. The company cites outcomes including 70% reduction in build time, $200k annual engineering savings per customer, 2.5 weeks to ship first integration (down from 2+ months), and 99.999% uptime.

The business model is volume-based, connection-based subscription pricing billed monthly, with no publicly disclosed price points — enterprise contracts require direct sales engagement while developers can self-onboard via a free trial at dashboard.rutterapi.com. The GTM combines product-led growth (self-serve sign-up, developer relations, documentation) with sales-led motion for enterprise fintechs and financial institutions. Rutter was founded in 2019 (per funding history), is headquartered in New York City at 3 East 28th St., Floor 5, and has raised a total of $28.5M across seed and a $27M Series A led by Andreessen Horowitz in March 2022.

Name

Rutter

Legal name

Rutter

Website

https://rutterapi.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Rutter is a unified API platform connecting 75+ accounting, commerce, payments, and ads platforms, serving fintechs, banks, and financial institutions building embedded financial products and B2B workflows.

Ownership category

akta.pro rank

Product category

Financial API Platform

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

akta.pro secondary industries

Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), Tax Compliance, Filing & VAT/GST Automation (SME) (FSAGAJAJ)

Keywords

• Unified api platform
• Financial data api
• Embedded finance api
• Accounting integrations
• Commerce api

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

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

Revenue model

1. API Usage / Connection-Based Subscription: Revenue is generated through volume-based pricing tied to the number of connections and growth in connection volume over time. Pricing also varies by product capabilities and platforms integrated. This is the primary revenue stream for the unified API platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels7 records

Core offering

Rutter develops and operates a Unified API platform for B2B financial products that connects to 75+ accounting, ERP, commerce, payments, and ads platforms through a single integration interface and normalized data schemas. The platform enables fintech companies and financial institutions to read, write, update, and delete customer financial data, with capabilities spanning authentication, bank feeds, supplier enablement, agentic commerce, and embedded ERP.

Product overview

Rutter is a Unified API platform for B2B financial products, offering a modular architecture centered on its core APIs (Payments API, Accounting API, Bank Feeds API, Commerce API, and Ads API) combined with Rutter Link for authentication and a Unification Layer for standardized data schemas. The platform enables reading and writing data across 75+ integrations spanning accounting (QuickBooks, NetSuite, Xero, Sage), commerce (Shopify, WooCommerce, Amazon, eBay), payments (Stripe, PayPal, Square), and advertising platforms (Meta, Google Ads, TikTok). The product portfolio includes purpose-built solutions for specific use cases including Business Underwriting, Supplier Enablement, Agentic Commerce, Invoicing Automation, Bill Pay Automation, Expense Management, Sales Tax Automation, Financial Planning & Analytics, and Embedded ERP. The company also offers partnerships and executive workshops as part of its go-to-market approach.

Differentiator

Problem solved

Functional benefit

Products and services

• Payments API Unified API that reads transactions, subscriptions, balance, and payouts from payment platforms including Stripe, PayPal, Square, and others. Built for fintech companies and financial institutions building embedded payment products.
• Accounting API Unified API that reads and writes financial data including financial statements, bills, invoices, and related accounting data from platforms such as QuickBooks Online/Desktop, NetSuite, Xero, Sage Intacct, Microsoft Dynamics 365 Business Central, Zoho Books, FreshBooks, and Wave.
• Bank Feeds API API that syncs bank transactions from financial institutions to customers' accounting platforms, enabling multi-platform bank feeds to launch in under 30 days. Built for financial institutions and fintechs delivering bank feed functionality.
• Commerce API Unified API that reads orders, inventory, and customer data from commerce platforms including Shopify, WooCommerce, Magento, Square, Squarespace, eBay, Etsy, Amazon, Walmart, Shoplazza, and Clover.
• Ads API Unified API that reads campaign and ad account performance data from Meta, Google Ads, and TikTok platforms for financial planning and analytics use cases.
• Rutter Link White-labeled authentication and data governance solution that handles permissions, consent monitoring, and end-user authentication across all 75+ integrated platforms, enabling secure customer account connections.
• Supplier Enablement AI-powered solution that identifies, scores, and switches vendor payments to commercial cards using advanced OCR and Visa card data integration to increase commercial card adoption for B2B payments platforms.
• Agentic Commerce AI-powered commerce solution providing instant AI commerce access with automated feeds and checkout capabilities integrated across commerce platforms for B2B workflows.
• Business Underwriting Solution that enables understanding of company financial statements, revenue, and spend for business lending and credit decisions, serving lenders and embedded finance providers.
• Invoicing Automation Solution that syncs department, class, and location data of invoices across accounting platforms for automated invoice management workflows.
• Bill Pay Automation Solution that syncs department, class, and location data of bills for automated bill payment workflows across accounting platforms.
• Expense Management Solution that handles expenses and refunds from bank accounts, debit cards, and credit cards for expense tracking and management workflows.
• Sales Tax Automation Solution that pulls invoices, orders, product category, and customer shipping locations to automate sales tax calculations for commerce and fintech customers.
• Financial Planning & Analytics Solution that centralizes financial data from e-commerce, accounting, payments, and ads platforms for financial planning and analysis use cases.
• Rutter Embedded ERP Solution that embeds financial products natively inside ERP systems including NetSuite, SAP, Sage, Oracle, Microsoft Dynamics, Workday, and Acumatica, powering payments and reconciliation inside the ERP environment for fintech and financial institution customers.

Quantifiable outcome

• 2.5 weeks to ship first integration (down from estimated 2+ months)
• +5 more outcomes

Named customers16 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration31 records

AI capability6 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core.

• MercurycoreStrategic or Co-development Partner · 1 October 2025Rutter collaborates with Mercury on its Supplier Enablement solution, enhancing vendor data management. Mercury is both a customer using Rutter's unified API and a co-development partner for the Supplier Enablement product.
• AirwallexcoreStrategic or Co-development Partner · 1 October 2025Rutter collaborates with Airwallex on its Supplier Enablement solution and unified API platform. Airwallex is both a major customer and a strategic collaborator, achieving 70% reduction in build time using Rutter.
• RampcoreStrategic or Co-development Partner · 1 October 2025Rutter collaborates with Ramp on its Supplier Enablement solution, leveraging Ramp's commercial card infrastructure to enable vendor scoring and card adoption at scale using AI and Visa card data.
• QuickBooks, NetSuite, Xero, Sage Intacct, Microsoft Dynamics, Zoho Books (Accounting Integration Partners)coreTechnology or IntegrationRutter has pre-built integrations with major accounting and ERP platforms including QuickBooks Online/Desktop, NetSuite, Sage Intacct, Microsoft Dynamics 365 Business Central, Xero, and Zoho Books, enabling bi-directional financial data sync for Rutter's customers.
• Shopify, WooCommerce, Magento, Stripe, PayPal, Square, eBay, Amazon, Etsy, Squarespace (Commerce & Payments Integration Partners)coreTechnology or IntegrationRutter maintains integrations with leading commerce and payments platforms including Shopify, WooCommerce, Magento, Stripe, PayPal, Square, eBay, Amazon, Etsy, and Squarespace, enabling unified commerce and payment data for fintech products.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Plaid: Plaid is the dominant US financial data connectivity platform, connecting bank accounts, cards, and (more recently) accounting and commerce platforms via unified APIs. It directly competes with Rutter across bank feeds, accounting data, and embedded finance integrations for fintechs and financial institutions.
• Finicity (Mastercard): Finicity, owned by Mastercard, provides financial data aggregation and connectivity APIs serving lenders, fintechs, and financial institutions. It competes directly with Rutter in the financial data aggregation and bank feeds space, with similar enterprise customer profiles.
• Merge: Merge offers a unified API for HR, payroll, accounting, CRM, ticketing, and other business systems, with accounting integrations overlapping directly with Rutter's Accounting API. Merge is the closest 'unified API' competitor in product shape and developer-led GTM motion.
• Codat: Codat is a unified API focused on connecting to SMB accounting, banking, commerce, and payment platforms, serving fintechs and financial institutions. It is a near-direct competitor to Rutter in SMB financial data aggregation with similar customer segments (lenders, fintechs, banks).
• MX: MX provides financial data connectivity, aggregation, and enhancement APIs serving financial institutions, fintechs, and digital banking platforms. It overlaps with Rutter on bank feeds, account aggregation, and data normalization for embedded finance use cases.

Regional players

• TrueLayer: TrueLayer is a UK/Europe-based open banking and unified API platform connecting bank accounts, payments, and financial data for fintechs and merchants. It is comparable to Rutter in the unified-API model and developer-first GTM, but primarily serves European rather than US enterprise customers.
• Yapily: Yapily provides an open banking API platform across Europe, enabling account information, payment initiation, and financial data access for fintechs and enterprises. It is a regional parallel to Rutter in unified financial data infrastructure, focused on the European market.

Emerging players

• Finch: Finch is a unified API primarily focused on employment, payroll, HR, and benefits data with growing accounting coverage. It shares the unified-API architecture and developer-led GTM with Rutter but focuses more on the employer/payroll stack than on commerce and payments.
• Unit: Unit is an embedded banking-as-a-service platform offering bank accounts, cards, lending, and money movement APIs for fintechs. It is comparable to Rutter as a financial-infrastructure layer for embedded fintech products, though Unit originates banking products rather than aggregating third-party data.

Broad incumbents

• Modern Treasury: Modern Treasury is a payment operations platform offering money movement, bank connectivity, reconciliation, and ledgering APIs for fintechs and enterprises. It overlaps with Rutter in bank-feeds and reconciliation use cases but is broader in scope (full treasury operations) and is an established player in the same ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/rutterapi
• YouTubeyoutube.com/channel/UCUAgMzRN9jVLZoH6EXTL-RA
• LinkedInlinkedin.com/company/rutter

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds3 records

Investors11 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 Rutter