Routable

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

Pricing model

Hybrid (base + usage) [2]routable.com/pricing/“Growth: $1,250/month — For growing, collaborative teams; Scale: Custom — For teams who need more control; Enterprise: Custom — For orgs operating at scale”

Published pricing

✓ Yes [3]routable.com/pricing/“Growth: "$1,250/month" described as "For growing, collaborative teams"”

Free tier

✗ No

Self-serve signup

✗ No [4]routable.com/roles/developer/“The page encourages visitors to 'Request a Demo' rather than offering immediate self-service registration”

Requires sales call

✓ Yes

Enterprise plan

✓ Yes [5]routable.com/pricing/“Enterprise: Custom pricing — For orgs operating at scale”

Minimum commitment

$1,250/month (Growth plan, billed monthly; 20% discount for annual billing) [6]routable.com/pricing/“Growth: $1,250/month ... Save 20% when choosing annual billing instead of monthly”

• Global coverage
• Instant payouts
• Mass payments
• Tax compliance
• Multi-rail
• Built-in FX
• Recipient onboarding

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 [7]developers.routable.com/llms.txt“Create payables (6 types: ACH, check, external, international, PayPal, vendor choice); Cancel, list, retrieve, and update payables; Estimate fees and currency conversions”

Regions

220+ countries and territories, US (domestic ACH, RTP, FedNow, check), International SWIFT and local bank transfers [8]routable.com“220+ countries and territories in 140+ currencies”routable.com/features/real-time-payments-api/“payables made from companies in the United States to vendors in over 220+ countries and territories”

Input types

ACH, Same-Day ACH, Next-Day ACH, RTP, FedNow, SWIFT wire, local bank rails, paper check, PayPal, push-to-card, Venmo [9]routable.com/resources/gig-economy-payment-solutions/“Real-Time Payments (RTP/FedNow), Same Day ACH, push-to-card, PayPal, and Venmo”developers.routable.com/llms.txt“Create payables (6 types: ACH, check, external, international, PayPal, vendor choice)”

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

✓ Yes [10]routable.com/features/payouts-api/“14 different webhook events notify your application when vendors onboard, payments move, and if any issues should arise”

Sandbox / test mode

✓ Yes [11]developers.routable.com/docs/getting-started“full-featured environment that lets you do everything you can do in production, without moving real money”

SDK languages

Unknown

MCP server

✓ Yes [12]developers.routable.com/docs/mcp“The MCP server is hosted at: https://developers.routable.com/mcp”

SOC 2

SOC 2 Type II [13]routable.com/legal/security/“Routable meets ISO 27005 and SOC 2 Type I and II standards”routable.com/legal/security/“Routable is SOC 1 & SOC 2 Type II certified.”

HIPAA

– Unknown [14]routable.com/legal/security/“Routable is SOC 1 & SOC 2 Type II certified.”

GDPR

✓ Yes [15]routable.com/legal/ai-use-and-governance-disclosure/“Customer Data deletion, access, and rectification requests under GDPR / CCPA / CPRA are passed through to AI sub-processors”

ISO 27001

– Unknown [16]routable.com/legal/security/“Routable meets ISO 27005 and SOC 2 Type I and II standards”

PCI DSS

– Unknown [17]routable.com/legal/security/“Routable is SOC 1 & SOC 2 Type II certified.”

Published SLA

✗ No [18]routable.com/legal/security/“Routable is SOC 1 & SOC 2 Type II certified.”

Rate limits

Global: 600 requests/minute; Payables and Receivables endpoints: 100 calls/minute [19]developers.routable.com/docs/getting-started“By default, Routable limits API requests to 600 per minute”developers.routable.com/llms.txt“Rate limit: 100 calls/minute (Payables, Receivables)”

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 [20]developers.routable.com/docs/estimating-fees-and-exchange-rates-for-payments“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”routable.com/legal/“FinCEN registration as Money Services Business”developers.routable.com/docs/instant-payments“Payments cannot be canceled once initiated”

• Docs
• API reference
• llms.txt
• Changelog
• Status page

Docs rendering: static · llms.txt present

API style

rest

Base URL

https://api.routable.com

Version

v1

Versioning

url

Stability

ga

Auth methods

api_key

Idempotency keys

✓ Yes

Error format

problem+json

Webhook signing

hmac_sha256

Rate limit

100 / minute

• Auth docs
• Quickstart
• MCP server
• Webhook events

Launched

2020-08-10

Notable customers

Ticketmaster, RE/MAX, Fora Travel, Veho, PrizePicks, Garmentory, Stratacomm

• PayPal Payments

  "Accept payments in 200+ markets, 130+ currencies, and 30+ payment methods with a single, developer-friendly platform."

  Hybrid · public pricing · self-serve

• Adyen

  "One platform for payments, data, and financial products. Built to scale with the world's leading businesses."

  Sales-led · public pricing · self-serve

• Razorpay

  "India's All-in-One Finance Platform" that helps businesses accept payments, make payouts, manage banking, automate payroll, and access credit - all from a single platform.

  Usage · public pricing · self-serve

• Stripe

  Financial infrastructure to grow your revenue.

  Usage · public pricing · self-serve

• Trolley

  "The Payouts Platform for the Internet Economy"

  Hybrid · public pricing · self-serve

• Wise Platform

  "Payments infrastructure to power the world's money" - banks, financial institutions and enterprises can plug into Wise's network to offer cross-border payment, card issuing, and multi-currency account capabilities.

  Usage · public pricing · self-serve

Routable alternatives · Routable vs PayPal Payments · All Payouts & Disbursement APIs APIs

Each field above carries a numbered source - hover for a preview, click to jump here.

1. ↑Description: routable.com
2. ↑Pricing model: routable.com
3. ↑Published pricing: routable.com
4. ↑Self-serve signup: routable.com
5. ↑Enterprise plan: routable.com
6. ↑Minimum commitment: routable.com
7. ↑Supported actions: developers.routable.com
8. ↑Regions: routable.com · routable.com
9. ↑Input types: routable.com · developers.routable.com
10. ↑Webhooks: routable.com
11. ↑Sandbox: developers.routable.com
12. ↑MCP server: developers.routable.com
13. ↑SOC 2: routable.com · routable.com
14. ↑HIPAA: routable.com
15. ↑GDPR: routable.com
16. ↑ISO 27001: routable.com
17. ↑PCI DSS: routable.com
18. ↑Published SLA: routable.com
19. ↑Rate limits: developers.routable.com · developers.routable.com
20. ↑Known restrictions: developers.routable.com · routable.com · developers.routable.com

Every field change, who made it, and when - from our audited data pipeline and editors.

1. 2026-06-21 Capabilities: {} → {"multi_rail":true,"fx_included":true,"mass_payments":true,"tax_compliance":tru…
2. 2026-06-21 Summary Md: (none) → Routable is a REST API for mass payout operations, targeting marketplaces, gig …
3. 2026-06-21 Score Pricing Transparency: (none) → 45
4. 2026-06-21 Score Setup Speed: (none) → 25
5. 2026-06-21 Score Docs Quality: (none) → 55
6. 2026-06-21 Score Procurement Friction: (none) → 20
7. 2026-06-21 Score Trust Readiness: (none) → 40
8. 2026-06-21 Best For: (none) → Regulated or enterprise workloads - compliance attestations and an enterprise p…
9. 2026-06-21 Avoid If: (none) → You need to start building today without contacting sales, You want to try it f…
10. 2026-06-21 Scoring Methodology: (none) → Scores are computed deterministically from this profile's published, sourced fi…
11. 2026-06-21 Score Agent Friendliness: (none) → 65
12. 2026-06-21 Llms Txt Present: (none) → Yes
13. 2026-06-21 Rendering: (none) → static
14. 2026-06-21 Has Structured Data: (none) → Yes
15. 2026-06-21 Robots Allows Agents: (none) → Yes
16. 2026-06-21 API Reference URL: (none) → https://developers.routable.com/reference/introduction
17. 2026-06-21 Status Page URL: (none) → https://status.routable.com
18. 2026-06-21 Changelog URL: (none) → https://routable.com/changelog
19. 2026-06-21 Docs URL: (none) → https://developers.routable.com/docs/getting-started
20. 2026-06-21 Llms Txt URL: (none) → https://routable.com/llms.txt
21. 2026-06-21 Minimum Commitment: set to $1,250/month (Growth plan, billed monthly; 20% discount for annual billing)
22. 2026-06-21 Self Serve Signup: set to No
23. 2026-06-21 Requires Sales Call: set to Yes
24. 2026-06-21 Enterprise Plan Available: set to Yes
25. 2026-06-21 SOC 2: set to type_2
26. 2026-06-21 GDPR: set to Yes
27. 2026-06-21 SLA Published: set to No
28. 2026-06-21 Data Retention Policy URL: set to https://www.routable.com/legal/privacy/
29. 2026-06-21 Documented Rate Limits: set to Global: 600 requests/minute; Payables and Receivables endpoints: 100 calls/minu…
30. 2026-06-21 Rate Limit Requests: set to 100
31. 2026-06-21 Rate Limit Window: set to minute
32. 2026-06-21 Known Restrictions: set to International payments include three-part fee structure: landing fee + conversi…
33. 2026-06-21 Auth Methods: set to api_key
34. 2026-06-21 Auth Docs URL: set to https://developers.routable.com/docs/your-api-token.md
35. 2026-06-21 API Style: set to rest
36. 2026-06-21 API Version: set to v1
37. 2026-06-21 Versioning Scheme: set to url
38. 2026-06-21 Stability: set to ga
39. 2026-06-21 MCP URL: set to https://developers.routable.com/mcp
40. 2026-06-21 Quickstart URL: set to https://developers.routable.com/docs/your-first-payable.md
41. 2026-06-21 Idempotency Supported: set to Yes
42. 2026-06-21 Error Format: set to problem+json
43. 2026-06-21 Webhook Signing: set to hmac_sha256
44. 2026-06-21 Webhook Events URL: set to https://developers.routable.com/docs/webhooks.md
45. 2026-06-21 Requires Verification: set to Yes
46. 2026-06-21 Slug: set to routable
47. 2026-06-21 Launched At: set to 2020-08-10
48. 2026-06-21 Notable Customers: set to Ticketmaster, RE/MAX, Fora Travel, Veho, PrizePicks, Garmentory, Stratacomm
49. 2026-06-21 Fields Not Found: set to sdk_languages, iso_27001 (security page references ISO 27005 risk standard, not…
50. 2026-06-21 Source Confidence: set to high

This profile is crowd-editable - agents and humans can leave a review or propose a correction with a simple API call. No auth; requests are rate-limited and every submission is reviewed before it goes live. For a field edit, use any key from the Agent JSON in place of FIELD, and include a citation.

curl -X POST https://apio.sh/api/feedback/routable \
  -H 'Content-Type: application/json' \
  -d '{"kind":"review","rating":5,"body":"Your experience with this API…"}'

curl -X POST https://apio.sh/api/suggest/routable/FIELD \
  -H 'Content-Type: application/json' \
  -d '{"value":"corrected value","citations":[{"url":"https://source.example/page","excerpt":"supporting quote"}],"note":"what changed and why"}'

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