Rutter x Koxa
Koxa is bank-distributed ERP-banking inside 4 ERPs, scoped to payments, approvals, and reconciliation. Rutter is the integration platform for B2B fintechs and banks: 12 fully embedded ERPs, workflow products on top, a Unified API for fintech builders, and platform reuse across ERPs. 120+ customers including Mercury, PayPal, Airwallex, and Erebor.
Rutter vs Koxa: a closer look
Verified against each vendor's public product pages and press releases.
Koxa and Rutter agree on the model. Rutter has more of it.
Koxa has the right architecture: API-first ERP-banking, in-ERP UX, no portals or flat files, and Rutter was built on the same belief. The difference is scope: Koxa covers 4 ERPs focused on payments, approvals, and reconciliation, while Rutter covers 12 fully embedded ERPs and ships Supplier Enablement, Bill Pay Automation, AP Automation, and more on top of the same platform. Rutter also has a Unified API motion Koxa doesn't, letting fintech builders go live in 4 weeks without an embedded build.
12 ERPs vs 4
Rutter covers 12 fully embedded ERPs including SAP S/4HANA, Oracle Fusion, Oracle E-Business Suite, MS Dynamics 365 F&O, Acumatica, and Sage Intacct. Koxa covers 4: NetSuite, Workday, MS Dynamics 365 Business Central, Sage Intacct.
Platform reuse, not rebuild
Rutter's first ERP build runs ~7 weeks. Each subsequent ERP ships in ~3 weeks because ~70% of the work is reused. Koxa has no published reuse story across its bank partner deployments.
Workflow product breadth
Rutter offers Supplier Enablement, Bill Pay Automation, AP Automation, FP&A, Lending integrations, Sales Tax, and Bank Feeds as products. Koxa is scoped to payments, approvals, reconciliation, and statement data.
Direct sales, two motions
Rutter sells direct to fintech and bank product teams. Customers pick Unified API (4 weeks) or Embedded ERP (services-wrapped build). Koxa distributes through bank partner programs only.
"Integrations are key to streamlining financial operations and empowering startups with better financial control."
Have questions? We've got answers.
Rutter has 12 fully embedded ERPs at launch: NetSuite, SAP S/4HANA, Oracle Fusion ERP Cloud, Oracle E-Business Suite, MS Dynamics 365 F&O, Workday, Sage Intacct, Acumatica, MS Business Central, Sage 200, Infor, Exact. Koxa publishes 4: NetSuite, Workday, MS Dynamics 365 Business Central, Sage Intacct.
Yes. Embedded ERP customers get a dedicated implementation engineer through go-live, architecture and UX/UI design workshops, accounting enablement workshops, weekly syncs, and a dedicated CSM. First ERP build runs ~7 weeks. Each subsequent ERP ships in ~3 weeks because ~70% of the work reuses on the Rutter platform.
Yes. Payment submission, approvals, status tracking, reconciliation, and bank feeds are first-class workflows. Rutter also covers Supplier Enablement, Bill Pay Automation, AP Automation, FP&A, Lending, and Sales Tax as separate workflow products on the same platform.
Yes. Rutter sells direct to fintech and bank product teams. No partner-program intermediary required to deploy.
Rutter shares Koxa's belief: API-first, in-ERP, no portals or file uploads. The architecture is the same. The scope is different. Rutter covers 12 ERPs vs Koxa's 4, ships Supplier Enablement, Bill Pay Automation, AP Automation, FP&A, Lending integrations, Sales Tax, and Bank Feeds as products, and offers a Unified API motion for fintech builders who don't need the embedded build.
For commercial banks in an existing Koxa partner program, scoped to payments and reconciliation inside one of the four supported ERPs, Koxa's product fits that scope. Existing partnerships with PNC, U.S. Bank, Regions, and Bottomline give Koxa real distribution into corporate treasury teams.
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