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Rutter vs Codat

Rutter is the preferred Unified API provider for companies looking to build the next-gen financial operating system – a suite of FP&A, lending, spend management, and invoicing products.

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Trusted by 100+ fintech companies:
TRUSTED PARTNERSHIP

Top reasons why companies migrated from Codat to Rutter

Rutter is a better alternative to Codat, with stronger industry expertise, broader data coverage, more depth in product capabilities, and dedicated customer support.

REASON ONE

Company Vision

Purpose-built to support complex workflows for B2B Fintech products.

Rutter is continuing to add capabilities to our Unified API to support all finance workflows within the CFO tech stack ( FP&A, lending, spend management, invoicing, reconciliation).

Codat has decided to stop the development of AR workflows and instead narrowed in on lending and spend management.

REASON TWO

Coverage

Greater coverage of popular platforms.

Rutter’s Unified API supports integrations with e-commerce, payments, and ads platforms that Codat doesn’t have today.

Rutter excels at read/write integrations for complex platforms such as NetSuite, QuickBooks Desktop, Sage Intacct, and MS Dynamics 365.

REASON THREE

Customer Success

Speed and customer development.

Rutter offers high-touch customer support and last mile custom development for our customers to support their specific use cases. 
We have built IP whitelisting and data localizations for numerous customers.

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DETAILS COUNT

Rutter vs Codat: a closer look

Compare key features and coverage while taking product and developer experience into account.

Rutter
Codat
Unified API
purpose built
for financial workflows
Invoicing Automation (AR)
Yes
No
Bill Pay Automation
Yes
Yes
Expense Management
Yes
Yes
Business Underwriting
Yes
Yes
Unified API
purpose built for
financial workflows
Invoicing Automation (AR)
Bill Pay Automation (AP)
Expense Management
Business Underwriting
Invoicing Automation (AR)
Yes
Bill Pay Automation (AP)
Yes
Expense Management
Yes
Business Underwriting
Yes
No
Yes
Yes
Yes
Platform Coverage
Accounting
Yes
Supports complex platforms like QuickBooks Desktop + NetSuite
No
Limited support for QuickBooks Desktop
Commerce
Yes
Yes
Ads
Yes
No
Payments
Yes
Yes
Platform Coverage
Accounting
Commerce
Ads
Payments
Accounting
Yes
Supports complex platforms like QuickBooks Desktop + NetSuite
Commerce
Yes
Ads
Yes
Payments
Yes
No
Limited support for QuickBooks Desktop
Yes
Yes
Yes
Product Experience
Connection Authentication
Yes
Fully white-labeled experience
Yes
Multi-page flow with Codat branding
APIs designed for 
specific workflows
Yes
— Expense refunds logged as proper refunds
— Specific objects for invoice payments + credit memos
— Multiple fields: Customer (billable), location, class, department
Yes
— Expense refunds logged as direct income
— Invoice payments + credit memos logged as direct income
— Single field: “Tracking category”
Product Experience
Connection Authentication
APIs designed for 
specific workflows
Connection Authentication
Yes
Fully white-labeled experience
APIs designed for specific workflows
Yes
— Expense refunds logged as proper refunds
— Specific objects for invoice payments + credit memos
— Multiple fields: Customer (billable), location, class, department
Yes
Multi-page flow with Codat branding
Yes
— Expense refunds logged as direct income
— Invoice payments + credit memos logged as direct income
— Single field: “Tracking category”
Developer Experience
Versioning
Yes
No
Webhooks
Yes
Per individuals entity created
Yes
Entity type updates without individual information
Idempotency
Yes
No
Async + Sync
Yes
Async only
Platfrom data
Yes
All objects
Yes
Only 3 objects
API passthrough
Yes
No
Developer Experience
Versioning
Webhooks
Idempotency
Async + Sync
Platfrom data
API passthrough
Versioning
Yes
Webhooks
Yes
Per individual entity created
Idempotency
Yes
Async + Sync
Yes
Platform data
Yes
All objects
API passthrough
Yes
No
Yes
Entity type updates without individual information
No
Async only
Yes
Only 3 objects
No
Rutter
Codat
Rutter
Codat
Unified API
purpose built for
financial workflows
Unified API purpose built for financial workflows
Invoicing Automation (AR)
Yes
No
Bill Pay Automation (AP)
Yes
Yes
Bill Pay Automation
Yes
Yes
Business Underwriting
Yes
Yes
Unified API
purpose built for
financial workflows
Invoicing Automation (AR)
Bill Pay Automation (AP)
Expense Management
Business Underwriting
Invoicing Automation (AR)
Yes
Bill Pay Automation (AP)
Yes
Expense Management
Yes
Business Underwriting
Yes
No
Yes
Yes
Yes
Unified API
purpose built for
financial workflows
Platform Coverage
Accounting
Yes
Supports complex platforms like QuickBooks Desktop + NetSuite
Yes
Limited support for QuickBooks Desktop
Commerce
Yes
Yes
Ads
Yes
No
Payments
Yes
Yes
Unified API
purpose built for
financial workflows
Product Experience
Platform Coverage
Accounting
Commerce
Ads
Payments
Accounting
Yes
Supports complex platforms like QuickBooks Desktop + NetSuite
Commerce
Yes
Ads
Yes
Payments
Yes
Yes
Limited support for QuickBooks Desktop
Yes
No
Yes
Product Experience
Invoicing Automation (AR)
Bill Pay Automation (AP)
Expense Management
Business Underwriting
Connection Authentication
Yes
Fully white-labeled experience
APIs designed for specific workflows
Yes
— Expense refunds logged as proper refunds
— Specific objects for invoice payments + credit memos
— Multiple fields: Customer (billable), location, class, department
Yes
Multi-page flow with Codat branding
Yes
— Expense refunds logged as direct income
— Invoice payments + credit memos logged as direct income
— Single field: “Tracking category”
Connection Authentication
Yes
Fully white-labeled experience
No
Multi-page with Codat branding
APIs designed for 
specific workflows
Yes
— Expense refunds logged as proper refunds— Specific object for invoice payments + credit memos
— Multiple fields: Customer (billable), location, class, department
Yes
— Expense refunds logged as direct income
— Invoice payments + credit memos logged as direct income
— Single field: “Tracking category”
Developer Experience
Invoicing Automation (AR)
Bill Pay Automation (AP)
Expense Management
Business Underwriting
Versioning
Yes
Webhooks
Yes
Per individual entity created
Idempotency
Yes
Async + Sync
Yes
Platform data
Yes
All objects
API passthrough
Yes
No
Yes
Multi-page flow with Codat branding
No
Async only
Yes
Only 3 objects
No
Unified API
purpose built for
financial workflows
Developer Experience
Versioning
Yes
Yes
Webhooks
Yes
Per individuals entity created
Yes
Entity type updates without individual information
Idempotency
Yes
No
Async + Sync
Yes
Async only
Platfrom data
Yes
All objects
Async only
Only 3 objects
API passthrough
Yes
No
ONE DATA MODEL

What is a Unified API?

Our common data model allows product teams to easily build and maintain integrations across multiple platforms with ease and minimal effort.

Graphic representation of a software interface with a purple gradient background featuring integration and data modeling. On the left, there's a form layout with placeholders for 'Logo' and 'Your product' followed by input fields. To the right, a visual representation displays JSON data structure with keys like 'remote_id', 'first_name', 'company', and 'created_at'. Flowing lines connect this data model to logos of financial platforms like NetSuite, Shopify, Xero, and others, indicating possible data integration points.
SUCCESS STORIES

Hear from our customers

Chief Executive Officer
Expense Management company

“Our team had the opportunity to test three solutions, including Codat, before deciding on Rutter. We had full visibility into every aspect of the engagement with all three vendors, and we found that only Rutter consistently met every due date without fail. If you're looking for a partner who values your time, is reliable, and provides exceptional support, we highly recommend Rutter.”

Chief Technology Officer
Finance Operations

“We decided to partner with Rutter for our integrations over Codat because of their support and their level of hand holding that I was looking for. I know integrating with NetSuite is not an easy task.”

HOLISTIC COVERAGE

Building integrated products is hard. 

Let us help.

Explore our growing integration coverage across accounting, commerce, payments, and ads platforms.

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Building integrated products is hard. We can do that together. Let's chat.

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