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Rutter REST API

website·Indexed 34 days ago

https://docs.rutter.com/

API documentation for Rutter's unified commerce and accounting data platform. Includes specifications for managing orders, products, fulfillments, subscriptions, and financial data such as bank transactions, cash flow statements, balance sheets, and invoices. Features specialized endpoints for Agentic Commerce checkouts and product feeds, as well as tools for sync configuration and token management.

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What's inside Rutter

  1. Overview of Rutter Link and Connections

    Rutter Link is a client-side component that allows end-users to securely link their third-party accounts to Rutter. When a user authenticates via Rutter Link, a 'Rutter Connection' is created, which grants the developer access to that user's account data via the Rutter API.

  2. Overview of Plaid Bank Feeds workflow with Rutter

    Rutter API allows financial institutions to be listed in Plaid's Core Exchange (PCX) network, which is an FDX-compliant bank feed protocol. This enables customers to sync bank or credit card transactions from the institution into their accounting systems. The workflow consists of three primary phases: 1) Getting listed as a financial institution in the PCX network, 2) Onboarding customers within their accounting products to establish a connection, and 3) Continuously syncing transaction, contact, and payment network data into Rutter.

  3. Overview of Rutter Smart Banking

    Rutter's Smart Banking API provides a unified API layer across multiple banking data aggregators (such as Plaid and Teller). It uses a proprietary algorithm to automatically select the best aggregator for a specific bank to ensure high data quality and reliability. Unlike Bank Feeds, which are for fintechs offering their own accounts to send data to an ERP, Smart Banking is used to pull data from third-party accounts (e.g., Chase, Capital One) held by customers.

  4. Overview of Invoicing Automation workflow

    An invoicing automation workflow streamlines creating, sending, and tracking invoices. The primary steps for setting up this workflow with Rutter are:

    1. Connect to the business entity's accounting system via Rutter Link.
    2. Create or link the Accounts used for logging Invoices and Invoice Payments.
    3. Create Invoices and link Customers, asset Accounts, Items, and Tracking Categories (Classes, Locations, and Departments).
    4. Upload Attachments to logged Invoices.
    5. Create and link Invoice Payments and Invoice Credit Memos to Customers and unpaid Invoices.

  5. Overview of Agentic Commerce Checkouts

    Agentic Commerce Checkouts enable seamless purchase completion through AI-powered shopping platforms (e.g., ChatGPT, Google, Perplexity). Rutter provides a standardized interface that conforms to the protocol specifications required by LLM providers, translating these requests into calls for connected commerce or ERP platforms (such as WooCommerce or NetSuite). This allows merchants to support agentic commerce without building separate implementations for each AI provider while maintaining a single source of truth in their existing backend systems.

  6. Overview of Rutter Bank Feeds

    Rutter's Bank Feeds API allows corporate card providers, expense management providers, payment services, and neobanks to send transaction data directly to a customer's ERP/accounting platform (e.g., QuickBooks, NetSuite, Sage Intacct) for reconciliation.

    Key Distinction:

    • Bank Feeds: Used by financial institutions (the record-keepers) to push data to an accounting system.
    • Smart Banking: Used to pull data from third-party banks (like Chase or Capital One) into an application.

  7. Overview of Rutter Supplier Enablement workflow

    Rutter Supplier Enablement provides an infrastructure for enterprise fintech platforms to scale commercial card adoption across SMB, midmarket, and enterprise vendors. The workflow standardizes ERP vendor data through a unified API via the following stages:

    1. Auth: Secure OAuth-style onboarding to create a Connection (containing an access_token).
    2. Extract: Retrieval of vendor, payment terms, and bill data.
    3. Enrich: Application of OCR to bill attachments (especially for QuickBooks and Xero) and public data to improve vendor match rates.
    4. Score: Identification of cardable vendors using proprietary logic and Visa card acceptance data.
    5. Prioritize: Ranking vendors based on spend-based scoring (historical patterns/volume) and match confidence scoring.
    6. Activate: Integration of intelligence via REST APIs or embeddable UI components into CRMs or customer portals.
    7. Switch: Providing recommendations to update ERP payment methods.

  8. Overview of Agentic Commerce Products

    Agentic Commerce Products enables automatic synchronization of product and inventory catalogs (including pricing, availability, descriptions, and images) to AI-powered shopping platforms such as ChatGPT, Google, and Perplexity. This ensures that conversational AI interfaces have access to the latest inventory for discovery and purchasing without requiring manual feed management.

  9. Overview of Platform Data Filtering in Webhooks

    Platform data filtering allows developers to receive specific platform-native fields (e.g., vendor display names, specialized metadata) directly within a webhook payload. This eliminates the need to make additional API calls to retrieve platform_data after receiving a webhook, reducing rate limit pressure and simplifying integration logic. The filtered data is delivered in a filtered_platform_data field alongside the standardized universal API data.

  10. Overview of Agentic Commerce Checkouts

    Agentic Commerce Checkouts allows AI-powered shopping platforms (e.g., ChatGPT, Google Gemini, Perplexity) to complete the end-to-end purchase process. Rutter provides a standardized interface that conforms to the protocols required by LLM providers, translating these requests into actions within the merchant's connected commerce or ERP platform (such as WooCommerce or NetSuite). This ensures that inventory and order management remain synchronized without requiring the merchant to build separate AI-specific checkout implementations.

  11. Overview of Yodlee Bank Feeds workflow with Rutter

    Rutter allows financial institutions to be listed in Yodlee's bank feed network, enabling customers to sync bank or credit card transactions into their accounting systems. The workflow consists of three primary phases: 1) Getting listed as a financial institution in Yodlee's network (via Rutter support), 2) Onboarding customers within their accounting products to establish a connection, and 3) Continuously syncing transaction, contact, and payment network data into Rutter.

  12. Overview of Agentic Commerce Checkouts

    Agentic Commerce Checkouts enable seamless purchase completion through AI-powered shopping platforms (e.g., ChatGPT, Google Gemini, Perplexity). Rutter provides a standardized interface that conforms to the protocol specifications required by LLM providers, translating these requests into actions within the merchant's connected commerce or ERP platform (such as WooCommerce or NetSuite). This eliminates the need for merchants to build separate checkout implementations for AI agents while maintaining a single source of truth for inventory and order management.