Rotessa

aid: rotessa
url: https://raw.githubusercontent.com/api-evangelist/rotessa/refs/heads/main/apis.yml
name: Rotessa
kind: company
description: Rotessa is a Winnipeg, Manitoba-based fintech that helps small and mid-sized North American businesses collect
  recurring payments directly from their customers' bank accounts. In Canada it moves money over the pre-authorized debit
  (PAD) rails and in the United States over ACH, positioning itself as a low-cost, bank-account-native alternative to card
  processing for invoices, memberships, subscriptions, tuition, and rent. Rotessa exposes a genuine public REST API (https://api.rotessa.com/v1)
  that lets platforms and businesses programmatically create customers, verify bank details (including via the Flinks aggregator),
  and schedule one-time or recurring transactions, backed by a free sandbox (sandbox.rotessa.com) and API-key authentication.
  As an API-native SMB money-movement fintech, it sits in the thin-but-real account-to-account layer of Canada's payments
  market, alongside peers like VoPay, Plooto, and Helcim, operating through bank rails and aggregators rather than any live
  open-banking payment mandate.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Canada
- Pre-Authorized Debit
- ACH
- Account-to-Account
- Bank Payments
- Recurring Payments
- Subscriptions
- Direct Debit
- Money Movement
- Open Banking
created: '2026-07-24'
modified: '2026-07-25'
specificationVersion: '0.19'
apis:
- aid: rotessa:rotessa-customers-api
  name: Rotessa Customers API
  description: Create, retrieve, and update the customers (bank-account holders) that Rotessa withdraws recurring payments
    from. Supports lookup by Rotessa customer ID or by a merchant-supplied custom identifier, and PATCH or POST update flows.
    Base URL https://api.rotessa.com/v1; API-key authentication.
  humanURL: https://rotessa.com/docs/#customers
  baseURL: https://api.rotessa.com/v1
  tags:
  - Customers
  - Bank Accounts
  properties:
  - type: Documentation
    url: https://rotessa.com/docs/#customers
  - type: APIReference
    url: https://rotessa.com/docs/#customers
- aid: rotessa:rotessa-transaction-schedules-api
  name: Rotessa Transaction Schedules API
  description: Create and manage one-time and recurring pre-authorized debit / ACH transaction schedules against a customer's
    bank account, including schedule frequency, creation by Rotessa customer ID or custom identifier, PATCH/POST updates,
    and deletion. Base URL https://api.rotessa.com/v1; API-key authentication.
  humanURL: https://rotessa.com/docs/#transaction-schedules
  baseURL: https://api.rotessa.com/v1
  tags:
  - Transaction Schedules
  - Recurring Payments
  - Pre-Authorized Debit
  properties:
  - type: Documentation
    url: https://rotessa.com/docs/#transaction-schedules
  - type: APIReference
    url: https://rotessa.com/docs/#transaction-schedules
- aid: rotessa:rotessa-transaction-report-api
  name: Rotessa Transaction Report API
  description: Retrieve financial transaction records and their status (and status reasons) for reconciliation and reporting
    via the transaction report endpoint. Base URL https://api.rotessa.com/v1; API-key authentication.
  humanURL: https://rotessa.com/docs/#transaction-report
  baseURL: https://api.rotessa.com/v1
  tags:
  - Transactions
  - Reporting
  - Reconciliation
  properties:
  - type: Documentation
    url: https://rotessa.com/docs/#financial-transactions
  - type: APIReference
    url: https://rotessa.com/docs/#transaction-report
common:
- type: AgenticAccess
  url: agentic-access/rotessa-agentic-access.yml
- type: DomainSecurity
  url: security/rotessa-domain-security.yml
- type: Authentication
  url: authentication/rotessa-authentication.yml
- type: Website
  url: https://rotessa.com/
- type: DeveloperPortal
  url: https://rotessa.com/our-customers/developers/
- type: Documentation
  url: https://rotessa.com/docs/
- type: APIReference
  url: https://rotessa.com/docs/
- type: GettingStarted
  url: https://support.rotessa.com/rotessas-sandbox-and-api
- type: GitHubOrganization
  url: https://github.com/Rotessa
- type: LinkedIn
  url: https://www.linkedin.com/company/rotessa
- type: Pricing
  url: https://rotessa.com/pricing/
- type: Blog
  url: https://rotessa.com/blog/
- type: Support
  url: https://support.rotessa.com/
- type: SignUp
  url: https://rotessa.com/sign-up/
- type: Login
  url: https://app.rotessa.com/login
- type: TermsOfService
  url: https://rotessa.com/legal/
- type: PrivacyPolicy
  url: https://rotessa.com/legal/privacy/
- type: OpenAPI
  url: openapi/rotessa-openapi.yml
- type: LLMsTxt
  url: llms/rotessa-llms.txt
- type: Conventions
  url: conventions/rotessa-conventions.yml
- type: ErrorCatalog
  url: errors/rotessa-problem-types.yml
- type: DeclineCodes
  url: errors/rotessa-decline-codes.yml
- type: Lifecycle
  url: lifecycle/rotessa-lifecycle.yml
- type: Sandbox
  url: sandbox/rotessa-sandbox.yml
- type: Conformance
  url: conformance/rotessa-conformance.yml
- type: DataModel
  url: data-model/rotessa-data-model.yml
- type: Packages
  url: packages/rotessa-packages.yml
- type: MCPServer
  url: mcp/rotessa-mcp.yml
- type: ToolCrosswalk
  url: mcp/rotessa-tool-crosswalk.yml
- type: Overlay
  url: overlays/rotessa-openapi-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com