Introducing Rutter Embedded ERP

Brian Hernandez

VP of RevOps

at Rutter

In this article

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Today we're introducing Rutter Embedded ERP, a new way for fintechs and banks to deliver their products as native experiences inside the ERPs their midmarket customers run on.

Mockup of a NetSuite "Pay Bills" transaction screen (BP00428) showing native ERP fields powered by Rutter. The Primary Information tab displays Payee (Acme Suppliers GmbH), A/P Account (2000 Accounts Payable), Payment Method (International Wire FX), and Currency (EUR · Euro) on the left. The right column shows a live FX Rate of 0.9234 marked "LIVE via Rutter," a T+1 Settlement Date of Nov 8, 2025, Beneficiary Bank (Deutsche Bank · DEUTDEFF), and a Pending payment status awaiting confirmation. Header reads "Native, not bolted on. NetSuite's own UI. Your rails powering the fields underneath."

The image above is a NetSuite Pay Bills screen with live FX rates, beneficiary details, and payment status all powered by your rails. No iframe, no redirect. Your customer's finance team works inside NetSuite. Your product is right there with them. Rutter builds it. Your APIs power it.

How it works

Rutter Embedded ERP is a build service, not a self-serve SDK. You give us your APIs, your brand, and your product specs. We build the embedded experience, ship it into the customer's ERP, and maintain it.

A typical engagement:

We align on functionality. Reporting, payments, FX, reconciliation, treasury, card provisioning. We bring patterns from deployments we've already shipped, and we tell you upfront which functionality is well-supported by each ERP and which has constraints. You ship what's actually shippable, not a wish list that breaks at certification.
You give us your APIs. FX rate engines, payment endpoints, card APIs, beneficiary records, whatever rails your product runs on.
We design the experience together. UX workshops to define the embedded surface, workflows, edge cases, and GL writeback patterns.
We build the ERP plugin. SuiteScript for NetSuite, native extensions for Dynamics, the equivalent for whichever ERPs you're targeting. Whitelabel branding. Bundle approval. Production deployment.
We maintain it. When the ERP releases an update or your APIs change, we handle it.

You don't write ERP-specific code. You don't navigate NetSuite's bundle approval process. You don't staff a SuiteApp engineering team. We do that work.

Why Rutter

We've spent the past five years building integration infrastructure with the leading banks and fintechs. Mercury, PayPal, Erebor, Airwallex, Payoneer, and over 120 others run on Rutter today.

That history shows up in three ways. We understand how B2B finance workflows actually work, because we've shipped them with the people running the rails. We have the most comprehensive coverage across enterprise and midmarket ERPs, because we've built and maintained those integrations for years. And we recognized early that meeting the customer where they live is one of the biggest unsolved gaps in the market, which is why we built Rutter Embedded ERP in the first place.

When you ship into NetSuite or Workday with Rutter, you're working with the team that has done this most.

What we'll ship for you

The first wave of fintechs and banks using Rutter Embedded ERP are launching embedded payments. A leading global embedded payments company, for example, is working with us to deliver embedded FX and cross-border payments inside NetSuite. We're building the experience around their FX rate engine and trade execution APIs.

The same pattern applies across other embedded financial workflows:

Embedded payments and FX. Domestic and cross-border payments initiated from inside the ERP, on your rails.
Embedded card provisioning. Card issuance, spend controls, and reconciliation inside existing approval workflows.
Embedded reconciliation. Bank transactions matched to ERP records natively, no exports.
Embedded treasury. Cash, FX exposure, and approvals inside the ERP environment finance teams already operate from.

Why this matters

Diagram titled "Same rails. Different surface." illustrating how Rutter serves two customer segments through different surfaces. On the left, an SMB Customer uses a Digital Banking Platform (standalone product surface), shown as a light browser window. On the right, a Midmarket Customer uses an ERP (operational surface), shown as a dark application window with sidebar navigation. Both surfaces flow down via connecting lines into a single purple bar at the bottom labeled "Fintech or Bank — Your rails. Your customer relationship." Subheader reads "Where your customer performs their financial operations depends on their size."

Midmarket customers run their financial life inside NetSuite, Microsoft Dynamics, Sage Intacct, Workday, SAP, and other ERPs. That's where their controllers, treasury teams, and AP teams actually work. SMB customers run their financial life from standalone platforms like Mercury, PayPal, Airwallex, and Square. The Financial OS lives in different places depending on the customer's size.

For fintechs and banks with rails, this is a customer relationship problem. The product that worked at SMB stops working at midmarket because it's no longer where the customer operates. Engagement drops, displacement risk goes up, and the rails that anchored the relationship become commodity infrastructure routed through whoever does control the ERP surface. Rutter Embedded ERP solves this by putting your product directly inside the customer's ERP, with your branding and your rails rendered natively in the ERP's UI.

How it fits with the rest of Rutter

Rutter has two product surfaces. Rutter Embedded ERP is the build service. Our Unified API is the developer toolkit, used to read and write across accounting, ERP, payments, commerce, and banking systems through a normalized data model. Rutter Bank Feeds is one example of a product delivered through the Unified API.

The two surfaces are designed to work together. Use the Unified API to power your standalone product for SMB customers. Use Rutter Embedded ERP to deliver your product inside the ERPs your midmarket customers run on. Same rails, same brand, matched to who you're looking to serve.