Rutter pricing: why it falls short of your integration needs

Rutter offers unified APIs that lets you add dozens of accounting, commerce, ads, and payments integrations to your fintech product.

To help you assess their platform and determine whether it’s right for your product, we’ll break down how their pricing works.

Overview on Rutter’s pricing model

Rutter only offers two plans: “Full Starter Plan” and “Full Access Plan.”

The free plan lasts 30 days, so it’s effectively a time-based trial. It also lets you access a specific set of integrations—QuickBooks, Xero, Freshbooks, and Zoho Books—and gives you access to sandbox data so that you can avoid using customer data.

The Full Access Plan doesn’t include specifics on pricing. You’ll need to schedule a demo with a member of their team to receive a “custom quote.” 

That said, this plan includes everything you’d need to use the platform. This includes dozens of integrations, integration observability tooling, onboarding support, and fintech product expertise (all of their users are product managers and engineers at fintech companies). 

{{this-blog-only-cta}}

Pros and cons of Rutter’s pricing plans

Here are some of the benefits of their pricing options:

• The free trial lets you pressure test some of their key accounting integrations, assess the quality of their documentation, and ultimately determine how easy (or difficult) it is to build to their unified APIs

• Once you complete the 30-day trial, there’s only one plan you can be on (the Full Access Plan). This simplifies and streamlines the process of evaluating your pricing options

• Since pricing can be customized on the Full Access Plan, you may be able to negotiate a quote that’s cost effective

That said, there are a few drawbacks to consider:

• The Free Starter Plan only lets you test a few accounting integrations. You may want and need to test other integrations instead  

• The 30-day free trial may not give your team enough time to evaluate Rutter and decide whether to move forward

• By only offering one paid plan, you may be forced to invest in features, functionality, and/or support that you don’t need. For example, you may not need their fintech product expertise but have to pay this as part of your package

• There’s no transparency on pricing. For example, you don’t know how they decide to price their platform and what their contract sizes typically look like until you speak with a member of their team. This can lead to wasteful calls that would be better spent evaluating other integration platforms

https://www.merge.dev/blog/rutter-alternative?blog-related=image

How Merge addresses these drawbacks

Merge offers 3 paid plans—Launch, Professional, and Enterprise—to give potential customers more options and flexibility.

Merge also offers a free plan (Launch) that isn’t time bound or restricted to certain integrations, enabling you to test the appropriate integrations at a pace that feels comfortable for your team. The Launch plan also includes explicit prices (e.g., $65 per Linked Account) to help your team assess whether Merge's integrations can scale cost-effectively with your business.

Learn more about Merge’s pricing plans by scheduling a demo with one of our integration experts.