# Rotessa

**Canonical:** https://apis.io/providers/rotessa/  
**Website:** https://rotessa.com/  
**APIs profiled:** 4

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.

## Kin Score — 32.5 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 32.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 58.4 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 37.5 |
| Commercial Clarity | 6.6 |
| Access Clarity | 6.6 |

Regulatory layer — **Banking & Open Finance**: 21.5 (matched via tags).

## Agent readiness — 30.6 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (4)

- **Rotessa Customers API** — 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-supplie...
- **Rotessa Transaction Schedules API** — 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 cu...
- **Rotessa Transaction Report API** — Retrieve financial transaction records and their status (and status reasons) for reconciliation and reporting via the transaction report endpoint. Base URL https://api.rotessa.c...
- **Rotessa API** — Rotessa API from Rotessa — 9 path(s) described in OpenAPI.

## MCP servers (1)

- **Rotessa MCP Server**

## Agentic access (1)

- **Rotessa Agentic Access** — 13 operations · 9 acting

## Security (2)

- **Rotessa Authentication** — apiKey · 1 scheme
- **Rotessa Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Payments, Canada, Pre-Authorized Debit, ACH, Account-to-Account, Bank Payments, Recurring Payments, Subscription, Direct Debit, Money Movement, Open Banking

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/rotessa/). Scores are computed from the provider's own public artifacts under a published rubric.