{ "name": "Routable", "slug": "routable", "website_url": "https://routable.com", "vendor_description": "\"Deliver mass payouts, without the operational chaos. Effortlessly onboard, pay, and manage a high volume of payees with flexibility and speed.\"", "categories": [ "payouts" ], "summary": "Routable is a REST API for mass payout operations, targeting marketplaces, gig platforms, and accounts payable teams that need to disburse funds to contractors, sellers, creators, and suppliers across 220-plus countries. Pricing starts at $1,250 per month (Growth plan, up to 1,000 vendors) with a sales-call requirement and no self-serve signup. The API supports ACH, RTP, FedNow, check, SWIFT, and local bank transfers, with webhooks, idempotency, a sandbox environment, and SOC 2 Type II and GDPR compliance. Customers include Ticketmaster and RE/MAX.", "capabilities": { "supported_actions": [ "create_payable", "cancel_payable", "list_payables", "retrieve_payable", "update_payable", "estimate_fees", "currency_conversion_estimate", "batch_payouts", "mass_payments", "create_receivable", "cancel_receivable", "create_company", "invite_company", "update_company", "archive_company", "create_contact", "update_contact", "list_countries", "retrieve_country_requirements", "list_purpose_codes", "create_payment_method", "validate_bank_payment_method", "archive_payment_method", "create_tax_form", "list_tax_forms", "list_webhook_events", "retry_webhook", "retrieve_workspace", "list_accounting_objects", "list_team_members", "ach", "same_day_ach", "rtp", "fednow", "swift", "local_rails", "check", "paypal_payout", "push_to_card", "international_payments", "fx_conversion", "recipient_onboarding", "kyc_kyb", "tax_form_collection", "1099_filing", "multicurrency", "webhooks", "approval_workflows", "idempotency_keys" ], "supported_regions": [ "220+ countries and territories", "US (domestic ACH, RTP, FedNow, check)", "International SWIFT and local bank transfers" ], "supported_languages": [], "input_types": [ "ACH", "Same-Day ACH", "Next-Day ACH", "RTP", "FedNow", "SWIFT wire", "local bank rails", "paper check", "PayPal", "push-to-card", "Venmo" ], "output_types": [ "JSON", "webhook events", "payment status", "remittance data", "tax forms (1099-NEC, 1099-MISC, 1099-K, 1042-S, W-9, W-8 BEN, W-8 BEN-E)", "reconciliation reports", "PDF payment confirmations", "fee and FX rate estimates" ], "webhooks_supported": true, "sandbox_available": true, "sdk_languages": [], "mcp_server_available": true }, "integration": { "api_style": "rest", "base_url": "https://api.routable.com", "api_version": "v1", "versioning_scheme": "url", "stability": "ga", "deprecation_policy_url": null, "auth_methods": [ "api_key" ], "auth_docs_url": "https://developers.routable.com/docs/your-api-token.md", "idempotency_supported": true, "error_format": "problem+json", "webhook_signing": "hmac_sha256", "webhook_events_url": "https://developers.routable.com/docs/webhooks.md", "rate_limit_requests": 100, "rate_limit_window": "minute", "sdk_packages": [], "mcp_url": "https://developers.routable.com/mcp", "quickstart_url": "https://developers.routable.com/docs/your-first-payable.md" }, "pricing": { "pricing_model": "hybrid", "has_published_pricing": true, "starting_price_usd": null, "price_basis": "month", "free_tier_available": false, "free_tier_limit": null, "free_tier_details": null, "minimum_commitment": "$1,250/month (Growth plan, billed monthly; 20% discount for annual billing)", "self_serve_signup": false, "requires_sales_call": true, "requires_verification": true, "enterprise_plan_available": true, "price_points": [ { "plan": "Growth", "item": "Monthly platform fee", "amount_usd": "1250.0000", "amount_percent": null, "per": "month", "currency": "USD", "source_url": "https://www.routable.com/pricing/" }, { "plan": "Growth", "item": "Annual billing discount", "amount_usd": null, "amount_percent": "20.0000", "per": "annual plan savings vs monthly", "currency": "USD", "source_url": "https://www.routable.com/pricing/" }, { "plan": "Scale", "item": "Monthly platform fee", "amount_usd": null, "amount_percent": null, "per": "month", "currency": "USD", "source_url": "https://www.routable.com/pricing/" }, { "plan": "Enterprise", "item": "Monthly platform fee", "amount_usd": null, "amount_percent": null, "per": "month", "currency": "USD", "source_url": "https://www.routable.com/pricing/" } ] }, "compliance": { "soc2": "type_2", "hipaa": null, "gdpr": true, "iso_27001": null, "pci_dss": null, "sla_published": false, "sla_url": null, "data_retention_policy_url": "https://www.routable.com/legal/privacy/", "documented_rate_limits": "Global: 600 requests/minute; Payables and Receivables endpoints: 100 calls/minute", "known_restrictions": [ "International payments include three-part fee structure: landing fee + conversion fee (FX markup) + delivery fee - exact rates not publicly disclosed, shown only as illustrative API examples", "SWIFT payments support 'our' or 'sha' fee allocation via swift_charge_option parameter", "Payments from companies based in the United States only (payables made from US companies to vendors in 220+ countries)", "Instant payments (RTP/FedNow) are final and irrevocable once initiated - cannot be canceled", "Up to 6 bank payment methods per company", "Growth plan ($1,250/mo) supports up to 1,000 vendors; Scale supports up to 3,000", "Scale and Enterprise tiers require custom pricing", "No published per-transaction fee schedule; fees are quoted in-dashboard not on public pricing page", "Regulatory/MTL status: FinCEN-registered Money Services Business; NMLS/state money transmitter licensee; Currency Cloud (FCA-authorized) used for some international rails" ] }, "developer": { "docs_url": "https://developers.routable.com/docs/getting-started", "api_reference_url": "https://developers.routable.com/reference/introduction", "openapi_spec_url": null, "postman_collection_url": null, "changelog_url": "https://routable.com/changelog", "status_page_url": "https://status.routable.com", "llms_txt_url": "https://routable.com/llms.txt", "markdown_docs_url": null, "rendering": "static" }, "adoption": { "launched_at": "2020-08-10", "ga_date": null, "github_stars": null, "github_stars_at": null, "notable_customers": [ "Ticketmaster", "RE/MAX", "Fora Travel", "Veho", "PrizePicks", "Garmentory", "Stratacomm" ] }, "scores": { "agent_friendliness": 65, "pricing_transparency": 45, "setup_speed": 25, "docs_quality": 55, "procurement_friction": 20, "trust_readiness": 40, "best_for": [ "Regulated or enterprise workloads - compliance attestations and an enterprise plan", "AI agents and automation - an agent-ready surface (MCP / llms.txt)", "Teams needing broad API coverage out of the box" ], "avoid_if": [ "You need to start building today without contacting sales", "You want to try it free before paying" ] }, "sources": [ { "field": "vendor_description", "url": "https://routable.com", "excerpt": "Deliver mass payouts, without the operational chaos.", "confidence": "high" }, { "field": "pricing_model", "url": "https://www.routable.com/pricing/", "excerpt": "Growth: $1,250/month — For growing, collaborative teams; Scale: Custom — For teams who need more control; Enterprise: Custom — For orgs operating at scale", "confidence": "high" }, { "field": "minimum_commitment", "url": "https://www.routable.com/pricing/", "excerpt": "Growth: $1,250/month ... Save 20% when choosing annual billing instead of monthly", "confidence": "high" }, { "field": "soc2", "url": "https://www.routable.com/legal/security/", "excerpt": "Routable meets ISO 27005 and SOC 2 Type I and II standards", "confidence": "high" }, { "field": "hipaa", "url": "https://www.routable.com/legal/security/", "excerpt": "Routable is SOC 1 & SOC 2 Type II certified.", "confidence": "medium" }, { "field": "gdpr", "url": "https://www.routable.com/legal/ai-use-and-governance-disclosure/", "excerpt": "Customer Data deletion, access, and rectification requests under GDPR / CCPA / CPRA are passed through to AI sub-processors", "confidence": "medium" }, { "field": "supported_regions", "url": "https://routable.com", "excerpt": "220+ countries and territories in 140+ currencies", "confidence": "high" }, { "field": "input_types", "url": "https://www.routable.com/resources/gig-economy-payment-solutions/", "excerpt": "Real-Time Payments (RTP/FedNow), Same Day ACH, push-to-card, PayPal, and Venmo", "confidence": "high" }, { "field": "webhooks_supported", "url": "https://www.routable.com/features/payouts-api/", "excerpt": "14 different webhook events notify your application when vendors onboard, payments move, and if any issues should arise", "confidence": "high" }, { "field": "documented_rate_limits", "url": "https://developers.routable.com/docs/getting-started", "excerpt": "By default, Routable limits API requests to 600 per minute", "confidence": "high" }, { "field": "known_restrictions", "url": "https://developers.routable.com/docs/estimating-fees-and-exchange-rates-for-payments", "excerpt": "Routable charges three primary fees for international transfers: 1. Landing Fee: Fixed charge (e.g., $0.40 USD) 2. Conversion Fee: Currency exchange markup 3. Delivery Fee: Fixed processing charge", "confidence": "high" }, { "field": "known_restrictions", "url": "https://www.routable.com/legal/", "excerpt": "FinCEN registration as Money Services Business", "confidence": "high" }, { "field": "enterprise_plan_available", "url": "https://www.routable.com/pricing/", "excerpt": "Enterprise: Custom pricing — For orgs operating at scale", "confidence": "high" }, { "field": "primary_use_cases", "url": "https://routable.com", "excerpt": "High-volume payout processing (hundreds to thousands monthly), Vendor and contractor onboarding and management, International payment distribution, Invoice processing and bill payment automation, Tax compliance and filing (W-9, W-8, 1099s, 1042s)", "confidence": "high" }, { "field": "auth_docs_url", "url": "https://developers.routable.com/docs/your-api-token.md", "excerpt": "Users must generate API tokens through their Account Settings dashboard.", "confidence": "high" }, { "field": "api_version", "url": "https://developers.routable.com/reference/create-payable.md", "excerpt": "The API version is embedded in endpoint paths as /v1/ (e.g., /v1/payables)", "confidence": "high" }, { "field": "idempotency_supported", "url": "https://developers.routable.com/reference/create-payable.md", "excerpt": "We highly recommend you supply an idempotency key when creating Payables to prevent duplicate requests. These keys are stored for a period of 24 hours.", "confidence": "high" }, { "field": "webhook_signing", "url": "https://developers.routable.com/docs/webhooks.md", "excerpt": "Routable uses HMAC-SHA256 for webhook authentication. The signature is generated by concatenating the timestamp and request body, then encrypting with your webhook secret key.", "confidence": "high" }, { "field": "price_basis", "url": "https://www.routable.com/pricing", "excerpt": "Growth Plan: $1,250/month (billed monthly; 20% discount available with annual billing)", "confidence": "medium" }, { "field": "mcp_server_available", "url": "https://developers.routable.com/docs/mcp", "excerpt": "The MCP server is hosted at: https://developers.routable.com/mcp", "confidence": "high" }, { "field": "has_published_pricing", "url": "https://www.routable.com/pricing/", "excerpt": "Growth: \"$1,250/month\" described as \"For growing, collaborative teams\"", "confidence": "high" }, { "field": "soc2", "url": "https://www.routable.com/legal/security/", "excerpt": "Routable is SOC 1 & SOC 2 Type II certified.", "confidence": "high" }, { "field": "iso_27001", "url": "https://www.routable.com/legal/security/", "excerpt": "Routable meets ISO 27005 and SOC 2 Type I and II standards", "confidence": "high" }, { "field": "pci_dss", "url": "https://www.routable.com/legal/security/", "excerpt": "Routable is SOC 1 & SOC 2 Type II certified.", "confidence": "medium" }, { "field": "sla_published", "url": "https://www.routable.com/legal/security/", "excerpt": "Routable is SOC 1 & SOC 2 Type II certified.", "confidence": "high" }, { "field": "supported_regions", "url": "https://www.routable.com/features/real-time-payments-api/", "excerpt": "payables made from companies in the United States to vendors in over 220+ countries and territories", "confidence": "high" }, { "field": "input_types", "url": "https://developers.routable.com/llms.txt", "excerpt": "Create payables (6 types: ACH, check, external, international, PayPal, vendor choice)", "confidence": "high" }, { "field": "sandbox_available", "url": "https://developers.routable.com/docs/getting-started", "excerpt": "full-featured environment that lets you do everything you can do in production, without moving real money", "confidence": "high" }, { "field": "documented_rate_limits", "url": "https://developers.routable.com/llms.txt", "excerpt": "Rate limit: 100 calls/minute (Payables, Receivables)", "confidence": "high" }, { "field": "known_restrictions", "url": "https://developers.routable.com/docs/instant-payments", "excerpt": "Payments cannot be canceled once initiated", "confidence": "high" }, { "field": "self_serve_signup", "url": "https://www.routable.com/roles/developer/", "excerpt": "The page encourages visitors to 'Request a Demo' rather than offering immediate self-service registration", "confidence": "medium" }, { "field": "supported_actions", "url": "https://developers.routable.com/llms.txt", "excerpt": "Create payables (6 types: ACH, check, external, international, PayPal, vendor choice); Cancel, list, retrieve, and update payables; Estimate fees and currency conversions", "confidence": "high" }, { "field": "auth_methods", "url": "https://developers.routable.com/docs/your-api-token.md", "excerpt": "Tokens are presented in the Authorization header using this format: \"Bearer {your_token}\". The documentation emphasizes that tokens must accompany every API request.", "confidence": "high" }, { "field": "base_url", "url": "https://developers.routable.com/reference/create-payable.md", "excerpt": "Production: https://api.routable.com — Sandbox: https://api.sandbox.routable.com", "confidence": "high" }, { "field": "versioning_scheme", "url": "https://developers.routable.com/docs/pagination-and-sorting.md", "excerpt": "Example: \"next\":\"https://api.sandbox.routable.com/v1/companies?page=2&page_size=10\"", "confidence": "high" }, { "field": "error_format", "url": "https://developers.routable.com/docs/errors-and-status-codes.md", "excerpt": "All errors follow the RFC 7807 Problem Detail standard with these fields: type, title, status, detail, errors, request_id", "confidence": "high" }, { "field": "webhook_events_url", "url": "https://developers.routable.com/docs/webhooks.md", "excerpt": "Routable supports webhooks for multiple resource categories: Company events, Payable/Receivable events, Payment methods, Tax forms, Risk reports", "confidence": "high" }, { "field": "rate_limit_window", "url": "https://developers.routable.com/reference/create-payable.md", "excerpt": "The Create Payable endpoint enforces \"100 calls per minute.\"", "confidence": "high" }, { "field": "quickstart_url", "url": "https://developers.routable.com/docs/your-first-payable.md", "excerpt": "First Payable Guide: https://developers.routable.com/v1/recipes/create-your-first-payable", "confidence": "high" }, { "field": "rate_limit_requests", "url": "https://developers.routable.com/reference/create-payable.md", "excerpt": "The Create Payable endpoint enforces \"100 calls per minute.\" The API returns rate limit information via response headers: RateLimit, RateLimit-Policy", "confidence": "high" }, { "field": "mcp_url", "url": "https://developers.routable.com/docs/mcp.md", "excerpt": "The MCP server is hosted at: https://developers.routable.com/mcp", "confidence": "high" }, { "field": "data_retention_policy_url", "url": "https://www.routable.com/legal/privacy/", "excerpt": "In general, Routable retains Personal Information and related records for up to five (5) years, unless a longer retention period is required or permitted by law.", "confidence": "high" }, { "field": "launched_at", "url": "https://www.businesswire.com/news/home/20200810005100/en/Routable-Launches-Transformative-Solution-to-Make-Easy-Business-Payments-a-Reality", "excerpt": "Routable Launches Transformative Solution to Make Easy Business Payments a Reality — August 10, 2020", "confidence": "high" }, { "field": "requires_verification", "url": "https://www.routable.com/roles/developer/", "excerpt": "Routable is a business payments platform requiring account setup and company verification before processing live payouts", "confidence": "medium" }, { "field": "notable_customers", "url": "https://www.routable.com/customers", "excerpt": "Named customer companies include: Ticketmaster, RE/MAX, Fora Travel, Veho, PrizePicks, Garmentory, Stratacomm, Excel Plumbing, Hotplate, Kasa, Ethos", "confidence": "high" }, { "field": "api_style", "url": "https://developers.routable.com/docs/data-formats.md", "excerpt": "REST API with JSON request/response bodies; endpoints follow RESTful conventions with standard HTTP methods", "confidence": "high" } ], "fields_not_found": [ "sdk_languages", "iso_27001 (security page references ISO 27005 risk standard, not ISO 27001 ISMS certification)", "pci_dss (not mentioned on public security/legal pages)", "hipaa (not mentioned on public security/legal pages)", "exact FX markup percentage", "per-transaction fees (in-dashboard only, not published)", "SLA/uptime commitment (not published on security page)", "deprecation_policy_url", "sla_url", "ga_date", "sdk_packages", "starting_price_usd" ], "source_confidence": "high", "last_verified_at": "2026-06-21T00:00:00.000Z", "contribute": { "note": "This data is crowd-editable. Suggest corrections or leave a review via these endpoints - no auth required, requests are rate-limited, and every submission is reviewed before it goes live. For a field edit, {field} is any key in this response and a citation is required.", "endpoints": [ { "action": "review", "label": "Leave a review or comment", "method": "POST", "url": "https://apio.sh/api/feedback/routable", "example_body": { "kind": "review", "rating": 5, "body": "Your experience with this API…" } }, { "action": "field_edit", "label": "Suggest a correction to a field (cite a source)", "method": "POST", "url": "https://apio.sh/api/suggest/routable/{field}", "example_body": { "value": "corrected value", "citations": [ { "url": "https://source.example/page", "excerpt": "supporting quote" } ], "note": "what changed and why" } }, { "action": "new_api", "label": "Suggest a new API to add (only name is required - send as much as you can cite)", "method": "POST", "url": "https://apio.sh/api/suggest/api", "example_body": { "value": { "name": "Acme Email API", "website_url": "https://acme.example", "vendor_name": "Acme", "categories": [ "email" ], "pricing_model": "usage_based", "has_published_pricing": true, "free_tier_available": true, "price_points": [ { "plan": "Pay as you go", "item": "1,000 emails", "amount_usd": 1, "per": "1,000 emails", "source_url": "https://acme.example/pricing" } ], "soc2": "type_2", "docs_url": "https://docs.acme.example" }, "citations": [ { "url": "https://acme.example/pricing", "excerpt": "$1 per 1,000 emails" } ] }, "value_schema": [ { "field": "name", "type": "string", "label": "Product name (the only required field)" }, { "field": "website_url", "type": "string", "label": "Marketing website URL" }, { "field": "vendor_name", "type": "string", "label": "Company/vendor name behind the product" }, { "field": "vendor_description", "type": "string", "label": "One-line description, quoted from the vendor" }, { "field": "categories", "type": "string[]", "label": "Category/leaf slugs it belongs to, e.g. [\"email\",\"sms\"]" }, { "field": "primary_use_cases", "type": "string[]", "label": "What it's used for" }, { "field": "supported_actions", "type": "string[]", "label": "Concrete API actions/capabilities" }, { "field": "supported_regions", "type": "string[]", "label": "Countries/regions/data-residency" }, { "field": "supported_languages", "type": "string[]", "label": "Human/spoken languages supported" }, { "field": "input_types", "type": "string[]", "label": "Accepted input types/formats" }, { "field": "output_types", "type": "string[]", "label": "Produced output types/formats" }, { "field": "webhooks_supported", "type": "bool", "label": "Supports webhooks?" }, { "field": "sandbox_available", "type": "bool", "label": "Dedicated sandbox/test mode?" }, { "field": "sdk_languages", "type": "string[]", "label": "Languages with an official SDK" }, { "field": "mcp_server_available", "type": "bool", "label": "Official MCP server?" }, { "field": "pricing_model", "type": "enum", "label": "Pricing model", "values": [ "usage_based", "subscription", "seat_based", "hybrid", "contact_sales" ] }, { "field": "has_published_pricing", "type": "bool", "label": "Concrete prices published publicly?" }, { "field": "free_tier_available", "type": "bool", "label": "Recurring/perpetual free tier (not a trial)?" }, { "field": "free_tier_details", "type": "string", "label": "What the free tier includes" }, { "field": "minimum_commitment", "type": "string", "label": "Any stated minimum spend/commitment" }, { "field": "self_serve_signup", "type": "bool", "label": "Get an API key without talking to sales?" }, { "field": "requires_sales_call", "type": "bool", "label": "Does going live require sales?" }, { "field": "enterprise_plan_available", "type": "bool", "label": "Named enterprise tier?" }, { "field": "starting_price_usd", "type": "number", "label": "Lowest published paid entry price (USD number)" }, { "field": "price_basis", "type": "string", "label": "Unit the starting price is per, e.g. '1,000 emails'" }, { "field": "free_tier_limit", "type": "string", "label": "Free-tier ceiling in literal terms" }, { "field": "price_points", "type": "object[]", "label": "Structured prices: [{plan,item,amount_usd,amount_percent,per,source_url}]" }, { "field": "soc2", "type": "enum", "label": "SOC 2 status", "values": [ "type_2", "type_1", "in_progress", "none", "unknown" ] }, { "field": "hipaa", "type": "bool", "label": "HIPAA (e.g. BAA available)?" }, { "field": "gdpr", "type": "bool", "label": "GDPR compliance stated?" }, { "field": "iso_27001", "type": "bool", "label": "ISO 27001 certified?" }, { "field": "pci_dss", "type": "bool", "label": "PCI DSS compliant?" }, { "field": "sla_published", "type": "bool", "label": "Published SLA / uptime commitment?" }, { "field": "documented_rate_limits", "type": "string", "label": "Documented rate limits, quoted" }, { "field": "known_restrictions", "type": "string[]", "label": "Notable documented restrictions/limits" }, { "field": "auth_methods", "type": "string[]", "label": "Auth methods", "values": [ "api_key", "oauth2", "jwt", "basic", "hmac_signature", "mtls", "session" ] }, { "field": "api_style", "type": "enum", "label": "Primary API style", "values": [ "rest", "graphql", "grpc", "soap", "websocket" ] }, { "field": "base_url", "type": "string", "label": "API root/base URL" }, { "field": "api_version", "type": "string", "label": "Current API version string" }, { "field": "quickstart_url", "type": "string", "label": "Quickstart / hello-world URL" }, { "field": "docs_url", "type": "string", "label": "Developer docs URL" }, { "field": "api_reference_url", "type": "string", "label": "API reference URL" }, { "field": "openapi_spec_url", "type": "string", "label": "OpenAPI spec URL" }, { "field": "changelog_url", "type": "string", "label": "Changelog URL" }, { "field": "status_page_url", "type": "string", "label": "Status page URL" }, { "field": "notable_customers", "type": "string[]", "label": "Named public customers" }, { "field": "launched_at", "type": "string", "label": "Launch date (ISO date or year)" } ] }, { "action": "token", "label": "Optional - raise your rate limit", "method": "GET", "url": "https://apio.sh/api/feedback/token" } ] } }