Routable

Routable is a B2B payments platform automating accounts payable and accounts receivable, mass payouts, and vendor management. Its API-first REST API lets teams onboard vendors and customers, collect payment and tax information, create payables and receivables, and move money via ACH, SWIFT, and check to more than 200 countries, with webhook events for end-to-end automation.

Routable publishes 7 API contracts indexed on the APIs.io network, including Companies API, Contacts API, Funding Sources API, and 4 more. Tagged areas include Payments, Accounts Payable, Accounts Receivable, B2B Payments, and Mass Payouts.

The Routable catalog on APIs.io includes 1 Spectral governance ruleset.

Routable’s developer surface includes engineering blog, authentication, documentation, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

25.0/100 emerging ▬ flat Agent 22/100 agent aware Front door AI 3/6 light Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessPaid

1 published contract

Payments Accounts Payable Accounts Receivable B2B Payments Mass Payouts Fintech

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Financial Management

BC-200

PayablesReceivables

POST /payables POST /payables/{id}/remind POST /payables/{id}/estimate POST /receivables

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 25.0/100 · emerging

Contract Quality 8.3 / 19

Developer Ergonomics 4.8 / 15

Access Clarity 0.6 / 15

Operational Transparency 0.9 / 10

Contract Governance 1.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 0.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 22/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 4.3 — up to +19.1 composite points Ask about this →
Contract Quality scores 44.3 — up to +13.9 composite points Ask about this →
Developer Ergonomics scores 32.1 — up to +13.6 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/routable/apis.yml: open an issue on github.com/api-evangelist/routable to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

Routable Companies API

Vendor and customer companies.

Routable Contacts API

Contacts associated with companies.

Routable Funding Sources API

Funding accounts and the Routable Balance.

Routable Payables API

Bills owed to vendors.

Routable Payment Methods API

Bank, international, and check payment methods.

Routable Receivables API

Amounts owed to you by customers.

Routable Webhooks API

Webhook events.

Scroll for all 7

Open Collections 8

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Routable Companies API

OPEN COLLECTION

Routable Companies Contacts API

OPEN COLLECTION

Routable Companies Funding Sources API

OPEN COLLECTION

Routable Companies Payables API

OPEN COLLECTION

Routable Companies Payment Methods API

OPEN COLLECTION

Routable Companies Receivables API

OPEN COLLECTION

Routable Companies Webhooks API

OPEN COLLECTION

Routable API

OPEN COLLECTION

Scroll for all 8

Routable API pricing

Not yet checked against Routable's own pricing page. Compiled by API Evangelist on 2026-06-21 from www.routable.com/pricing/; confirm before you rely on a figure.

Plan	Price
Platform (Custom) subscription	—
Enterprise (Custom) enterprise	—

Plan details, limits and sources →

Rate limits

Requests Per Minute (RPM): 600 per minute (default) requests

Compiled by API Evangelist, not yet checked against Routable's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Routable Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Routable Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Routable Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

Routable API Rules

53 rules · 50 error-severity 2 warn-severity 1 info-severity

SPECTRAL

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Routable Authentication

http · 1 scheme

SECURITY

Routable Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access (API Evangelist recommendations) 1

Recommended x-agentic-access execution contracts for AI agents.

Routable Agentic Access

37 operations · 19 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Blog

Blog

LinkedIn

Website

Website

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: routable
url: https://raw.githubusercontent.com/api-evangelist/routable/refs/heads/main/apis.yml
name: Routable
kind: company
description: Routable is a B2B payments platform automating accounts payable and accounts receivable, mass payouts, and vendor
  management. Its API-first REST API lets teams onboard vendors and customers, collect payment and tax information, create
  payables and receivables, and move money via ACH, SWIFT, and check to more than 200 countries, with webhook events for end-to-end
  automation.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/routable.png
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
tags:
- Payments
- Accounts Payable
- Accounts Receivable
- B2B Payments
- Mass Payouts
- Fintech
tags_raw:
- Payments
- Accounts Payable
- Accounts Receivable
- B2B Payments
- Mass Payouts
- FinTech
created: '2026-06-21'
modified: '2026-10-06'
specificationVersion: '0.23'
apis:
- aid: routable:routable-companies-api
  name: Routable Companies API
  description: Vendor and customer companies.
  humanURL: https://developers.routable.com/reference/introduction
  baseURL: https://api.routable.com/v1
  tags:
  - Companies
  properties:
  - type: OpenAPI
    url: openapi/routable-companies-api-openapi.yml
  - type: Documentation
    url: https://developers.routable.com/docs/companies-1
  - type: APIReference
    url: https://developers.routable.com/reference/introduction
  - type: PostmanCollection
    url: collections/routable.postman_collection.json
  - type: OpenCollection
    url: collections/routable.opencollection.json
  - type: Documentation
    url: https://developers.routable.com/docs/payables-1
  - type: Documentation
    url: https://developers.routable.com/docs/receivables-1
  - type: Documentation
    url: https://developers.routable.com/docs/payment-methods-1
  - type: Documentation
    url: https://developers.routable.com/docs/collecting-payment-information
  - type: Documentation
    url: https://developers.routable.com/docs/webhooks
- aid: routable:routable-contacts-api
  name: Routable Contacts API
  description: Contacts associated with companies.
  humanURL: https://developers.routable.com/reference/introduction
  baseURL: https://api.routable.com/v1
  tags:
  - Contacts
  properties:
  - type: OpenAPI
    url: openapi/routable-contacts-api-openapi.yml
  - type: Documentation
    url: https://developers.routable.com/docs/companies-1
  - type: APIReference
    url: https://developers.routable.com/reference/introduction
  - type: PostmanCollection
    url: collections/routable.postman_collection.json
  - type: OpenCollection
    url: collections/routable.opencollection.json
  - type: Documentation
    url: https://developers.routable.com/docs/payables-1
  - type: Documentation
    url: https://developers.routable.com/docs/receivables-1
  - type: Documentation
    url: https://developers.routable.com/docs/payment-methods-1
  - type: Documentation
    url: https://developers.routable.com/docs/collecting-payment-information
  - type: Documentation
    url: https://developers.routable.com/docs/webhooks
- aid: routable:routable-funding-sources-api
  name: Routable Funding Sources API
  description: Funding accounts and the Routable Balance.
  humanURL: https://developers.routable.com/reference/introduction
  baseURL: https://api.routable.com/v1
  tags:
  - Funding Sources
  properties:
  - type: OpenAPI
    url: openapi/routable-funding-sources-api-openapi.yml
  - type: Documentation
    url: https://developers.routable.com/docs/companies-1
  - type: APIReference
    url: https://developers.routable.com/reference/introduction
  - type: PostmanCollection
    url: collections/routable.postman_collection.json
  - type: OpenCollection
    url: collections/routable.opencollection.json
  - type: Documentation
    url: https://developers.routable.com/docs/payables-1
  - type: Documentation
    url: https://developers.routable.com/docs/receivables-1
  - type: Documentation
    url: https://developers.routable.com/docs/payment-methods-1
  - type: Documentation
    url: https://developers.routable.com/docs/collecting-payment-information
  - type: Documentation
    url: https://developers.routable.com/docs/webhooks
- aid: routable:routable-payables-api
  name: Routable Payables API
  description: Bills owed to vendors.
  humanURL: https://developers.routable.com/reference/introduction
  baseURL: https://api.routable.com/v1
  tags:
  - Payables
  properties:
  - type: OpenAPI
    url: openapi/routable-payables-api-openapi.yml
  - type: Documentation
    url: https://developers.routable.com/docs/companies-1
  - type: APIReference
    url: https://developers.routable.com/reference/introduction
  - type: PostmanCollection
    url: collections/routable.postman_collection.json
  - type: OpenCollection
    url: collections/routable.opencollection.json
  - type: Documentation
    url: https://developers.routable.com/docs/payables-1
  - type: Documentation
    url: https://developers.routable.com/docs/receivables-1
  - type: Documentation
    url: https://developers.routable.com/docs/payment-methods-1
  - type: Documentation
    url: https://developers.routable.com/docs/collecting-payment-information
  - type: Documentation
    url: https://developers.routable.com/docs/webhooks
- aid: routable:routable-payment-methods-api
  name: Routable Payment Methods API
  description: Bank, international, and check payment methods.
  humanURL: https://developers.routable.com/reference/introduction
  baseURL: https://api.routable.com/v1
  tags:
  - Payment Methods
  properties:
  - type: OpenAPI
    url: openapi/routable-payment-methods-api-openapi.yml
  - type: Documentation
    url: https://developers.routable.com/docs/companies-1
  - type: APIReference
    url: https://developers.routable.com/reference/introduction
  - type: PostmanCollection
    url: collections/routable.postman_collection.json
  - type: OpenCollection
    url: collections/routable.opencollection.json
  - type: Documentation
    url: https://developers.routable.com/docs/payables-1
  - type: Documentation
    url: https://developers.routable.com/docs/receivables-1
  - type: Documentation
    url: https://developers.routable.com/docs/payment-methods-1
  - type: Documentation
    url: https://developers.routable.com/docs/collecting-payment-information
  - type: Documentation
    url: https://developers.routable.com/docs/webhooks
- aid: routable:routable-receivables-api
  name: Routable Receivables API
  description: Amounts owed to you by customers.
  humanURL: https://developers.routable.com/reference/introduction
  baseURL: https://api.routable.com/v1
  tags:
  - Receivables
  properties:
  - type: OpenAPI
    url: openapi/routable-receivables-api-openapi.yml
  - type: Documentation
    url: https://developers.routable.com/docs/companies-1
  - type: APIReference
    url: https://developers.routable.com/reference/introduction
  - type: PostmanCollection
    url: collections/routable.postman_collection.json
  - type: OpenCollection
    url: collections/routable.opencollection.json
  - type: Documentation
    url: https://developers.routable.com/docs/payables-1
  - type: Documentation
    url: https://developers.routable.com/docs/receivables-1
  - type: Documentation
    url: https://developers.routable.com/docs/payment-methods-1
  - type: Documentation
    url: https://developers.routable.com/docs/collecting-payment-information
  - type: Documentation
    url: https://developers.routable.com/docs/webhooks
- aid: routable:routable-webhooks-api
  name: Routable Webhooks API
  description: Webhook events.
  humanURL: https://developers.routable.com/reference/introduction
  baseURL: https://api.routable.com/v1
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/routable-webhooks-api-openapi.yml
  - type: Documentation
    url: https://developers.routable.com/docs/companies-1
  - type: APIReference
    url: https://developers.routable.com/reference/introduction
  - type: PostmanCollection
    url: collections/routable.postman_collection.json
  - type: OpenCollection
    url: collections/routable.opencollection.json
  - type: Documentation
    url: https://developers.routable.com/docs/payables-1
  - type: Documentation
    url: https://developers.routable.com/docs/receivables-1
  - type: Documentation
    url: https://developers.routable.com/docs/payment-methods-1
  - type: Documentation
    url: https://developers.routable.com/docs/collecting-payment-information
  - type: Documentation
    url: https://developers.routable.com/docs/webhooks
common:
- url: https://www.routable.com/resources/category/articles/
  type: Blog
- type: CapabilityMap
  url: capabilities/routable-capability-edges.yml
  name: Routable Business Capability Map
- type: AgenticAccess
  url: agentic-access/routable-agentic-access.yml
- type: DomainSecurity
  url: security/routable-domain-security.yml
- type: Authentication
  url: authentication/routable-authentication.yml
- type: GitHubOrganization
  url: https://github.com/routablehq
- type: LinkedIn
  url: https://www.linkedin.com/company/routable
- type: Website
  url: https://www.routable.com/
- type: Documentation
  url: https://developers.routable.com/docs
- type: Plans
  url: plans/routable-plans-pricing.yml
- type: RateLimits
  url: rate-limits/routable-rate-limits.yml
- type: FinOps
  url: finops/routable-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Routable API — frequently asked questions

Does Routable have an API?

Yes. APIs.io lists 7 APIs from Routable, including Routable Companies API, Routable Contacts API and Routable Funding Sources API, and 4 more.

Is there an OpenAPI specification for the Routable API?

Yes. APIs.io indexes 7 OpenAPI specifications for Routable, each linked for download from this page.

How do I authenticate with the Routable API?

Routable uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Routable Authentication.

How much does the Routable API cost?

APIs.io lists 2 pricing plans for Routable, with each plan's price, limits and inclusions under Pricing on this page.

Is the Routable API ready for AI agents?

Routable has a Kin Score of 25.0 out of 100 (emerging) and an Agent Readiness score of 22.3 (agent-aware), scored by API Evangelist on 2026-11-13.

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