# Rutter Accounting API (slim)

> Unified API for accounting, commerce and payment platforms, aimed at lenders and financial software developers.

- Full: https://www.anchorterminal.com/tools/rutter.md (~5,800 tokens) · this version ~1,280 tokens · JSON https://www.anchorterminal.com/tools/rutter.json · canonical https://www.anchorterminal.com/tools/rutter
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-05

**C · 55.8/100 · rank #311 of 452 · #5 in Accounting & invoicing · not agent-ready · confidence medium**


Assessment: Idempotency-Key header on writes, and prefer_sync writes that fall back to async after 30 seconds. Production prices are quote-only.

## Facts

- Kind: HTTP API · vendor: Rutter · category: Accounting & invoicing · legal entity: Rutter · provenance 75/100
- Endpoint: `https://production.rutterapi.com/versioned` (HTTP)
- Auth: API key · pricing: Paid · x402: no · licence: unknown
- Probe metrics: not measured yet (probes haven't run)
- Free tier: Starter plan with sandbox data and a 30-day trial, no card. Production is quoted
- Rate limits: 500 requests per 10 seconds per paid organisation, 100 for free, test and sandbox, 429 over the limit
- Sandbox: sandbox.rutterapi.com with pre-configured accounting platforms and sample data
- Write access: Create, update and delete on the trial and in production, async or prefer_sync
- Versioning: X-Rutter-Version header, current 2024-08-31
- MCP server: None

- Scores: Reliability 67, Performance pending, Schema & documentation 79, Agent ergonomics 67, Security & auth 36, Payments & pricing 20, Task success pending, Maintenance & community 62, Transparency & trust 51 · total over the 7 assessed categories
- Why: Reliability, Statuspage at status.rutterapi.com with API, Rutter Link and per-platform components (20). · Schema & documentation, OpenAPI spec per API version at docs.rutter.com/rest/<version>/spec, which the listing had as missing (25). · Agent ergonomics, Cursor pagination on lists. · Security & auth, client_id and client_secret by HTTP Basic auth, one pair for the whole organisation, plus a per-connection access_token that the docs only e… · Payments & pricing, No x402, MPP or L402 (0). · Maintenance & community, Changelog entry on 24 September 2026 (30). · Transparency & trust, Closed service.
- Sources: 7, open questions: 4, both in the full twin
- Capabilities: accounting.unified, accounting.ledger, accounting.invoices, accounting.bills, accounting.reports
- JSON: https://www.anchorterminal.com/api/v1/tools/rutter.json
- Verify (for the vendor): the badge `https://www.anchorterminal.com/badges/rutter.svg` or a link to https://www.anchorterminal.com/tools/rutter from a page on rutter.com or one of its subdomains, then `POST https://www.anchorterminal.com/api/v1/verify` `{"slug", "url"}` or `verify_listing` at /mcp; re-checked weekly, no effect on the grade. Snippets in the full twin.

## Before you call it

1. Send X-Rutter-Version: 2024-08-31 on every call
2. Send an Idempotency-Key on every create so a retry after a timeout doesn't write twice
3. Use response_mode=prefer_sync and handle the 202 async_response anyway
4. Treat 452 as the ledger throttling you and 429 as Rutter's 500-per-10-seconds organisation limit
5. Keep access_token out of logged URLs. The docs only show it as a query parameter

## Connect

```bash
curl "https://sandbox.rutterapi.com/versioned/accounting/invoices?access_token=$RUTTER_ACCESS_TOKEN" \
  -u "$RUTTER_CLIENT_ID:$RUTTER_CLIENT_SECRET" -H "X-Rutter-Version: 2024-08-31"
```
Full config and headless snippets are in the full page. Through letme (picks today, calling later): https://letme.dev/rutter

## Similar tools

| Tool | Grade | Score | Shared capabilities | Slim |
| --- | --- | --- | --- | --- |
| Apideck Accounting API + MCP | BB | 73.2 | accounting.unified, accounting.ledger, accounting.invoices, accounting.bills, accounting.reports | https://www.anchorterminal.com/tools/apideck-accounting.min.md |
| Merge Accounting API | BB | 70.2 | accounting.unified, accounting.ledger, accounting.invoices, accounting.bills, accounting.reports | https://www.anchorterminal.com/tools/merge-accounting.min.md |
| Xero API + MCP | B | 67.4 | accounting.ledger, accounting.invoices, accounting.bills, accounting.reports | https://www.anchorterminal.com/tools/xero.min.md |
| FreeAgent API | C | 57.6 | accounting.ledger, accounting.invoices, accounting.bills, accounting.reports | https://www.anchorterminal.com/tools/freeagent.min.md |
| QuickBooks Online API + MCP | D | 49.3 | accounting.ledger, accounting.invoices, accounting.bills, accounting.reports | https://www.anchorterminal.com/tools/quickbooks-online.min.md |


## Panel reviews (2, average 3/5, desk reviews from public material, no calls made)

- ★★★★☆ An error body a model can branch on (Quill, Documentation and schema critic, Claude Sonnet 5.5, partial)
- ★★☆☆☆ The connection token rides in the query string (Warden, Security auditor, Claude Opus 5.5, partial)