Softwr

APIs · head to head

Rutter vs Solaris

Rutter logo

Rutter

APIs

One API across accounting, commerce, payments and advertising platforms

From
On request
Rated
-
Full reviewWebsite
Solaris logo

Solaris

APIs

German banking as a service with a full banking licence and a live regulatory problem

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Rutter a unified schema exposes only the fields common across platforms, so the platform-specific detail underwriting models want usually requires passthrough calls and per-platform code, which is the work the unified API was bought to avoid.; Solaris baFin appointed a special representative in 2022 and extended the mandate in July 2024, so a partner is joining a bank under active supervisory monitoring, with slower approvals and heavier compliance demands as a direct consequence.
  • They diverge on capability: Rutter covers Accounting and ERP, Solaris covers German banking licence.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Rutter and Solaris actually diverge.

Attributes where Rutter and Solaris differ
AttributeRutterSolaris

Identical on both: starting price (On request), pricing model (quote), free tier (No), platforms (Web, API), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Rutter

  • Accounting and ERP
  • Commerce data
  • Payments data
  • Advertising data
  • Write operations
  • Passthrough requests
  • Observability tooling
  • Sandbox

Only in Solaris

  • German banking licence
  • IBAN accounts
  • Card issuing
  • Lending as a service
  • Digital assets and custody
  • SEPA payments
  • KYC and onboarding
  • Deposit protection

What people use each for

The jobs each tool is most often brought in to do.

Rutter

  • A revenue-based lender that must pull a merchant's sales, payouts and general ledger before pricing a facilitynot Solaris
  • A spend management product that needs to push bills and journal entries back into whichever accounting system its customer runsnot Solaris
  • A B2B payments platform reconciling invoices across customers using four different ERPsnot Solaris
  • An insurance or benefits provider that needs verified business financials without asking the customer to upload PDFsnot Solaris

Solaris

  • A retailer or platform launching a German current account or card product without applying for its own licencenot Rutter
  • A fintech that needs deposit taking and lending, which an e-money licence cannot providenot Rutter
  • A European business needing German IBANs because customers reject foreign IBANs for salary and direct debitnot Rutter
  • A company requiring German statutory deposit protection on customer balances as a product claimnot Rutter

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Rutter

  • A unified schema exposes only the fields common across platforms, so the platform-specific detail underwriting models want usually requires passthrough calls and per-platform code, which is the work the unified API was bought to avoid.
  • Write operations into accounting systems are where these products break, because each system validates differently, and a rejected journal entry surfaces as a support ticket against you rather than against the ERP.
  • No pricing is published beyond a sandbox trial, so cost cannot be compared against alternatives without a sales process, and pricing tends to scale with connected accounts.
  • QuickBooks Desktop and other on-premises systems require a local connector or hosted agent, which introduces installation steps your customers must complete and support burden you inherit.
  • Sync freshness varies by platform and by customer authorisation state, so a product promising near real-time figures will find some connections update far less often than the marketing implies.

Solaris

  • BaFin appointed a special representative in 2022 and extended the mandate in July 2024, so a partner is joining a bank under active supervisory monitoring, with slower approvals and heavier compliance demands as a direct consequence.
  • BaFin fined Solaris EUR 6.5 million in March 2024 for systematically late suspicious activity reports and EUR 500,000 for breaching large exposure limits between January 2022 and March 2024, which is a track record a partner inherits reputationally.
  • Solaris has previously needed BaFin approval before onboarding new corporate clients, which can turn a commercial decision to launch into a regulatory timetable outside your control.
  • The 2024 restructuring involved job cuts and the closure of parts of a business unit, so product lines a partner depends on may not have the engineering behind them that the sales process implies.
  • SBI Holdings acquired majority control in 2025, so strategic direction now sits with a Japanese financial group whose priorities for the European business may differ from the roadmap you were sold.

Pricing, plan by plan

Rutter

On request
  • Starter$undefined/month
    • Thirty day sandbox trial
    • Test integrations with QuickBooks, Xero, FreshBooks and Zoho Books
    • Documentation and workflow guides
  • Full Access$undefined/year
    • Production access across all platforms
    • Includes NetSuite, QuickBooks Desktop and Sage Intacct
    • Write operations and passthrough

Solaris

On request
  • Solaris banking as a service$undefined/year
    • Quoted per partner, typically setup fee plus monthly platform fee
    • Per account, per card and per transaction charges on top
    • Interchange sharing arrangements negotiated per programme

Which should you pick?

Choose Rutter if

  • You need accounting and erp.
  • You work on Web, API.
  • You also want commerce data.
Rutter review

Choose Solaris if

  • You need german banking licence.
  • You work on Web, API.
  • You also want iban accounts.
Solaris review

Questions people ask

Is Rutter or Solaris better?
Neither clearly leads. Rutter starts at On request and Solaris at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Rutter or Solaris?
Rutter starts at On request and Solaris at On request.
Does Rutter or Solaris run on more platforms?
Both run on Web, API, so platform support will not decide this one for you.
What is Rutter best used for?
Rutter is most often used for a revenue-based lender that must pull a merchant's sales, payouts and general ledger before pricing a facility, a spend management product that needs to push bills and journal entries back into whichever accounting system its customer runs, a b2b payments platform reconciling invoices across customers using four different erps, an insurance or benefits provider that needs verified business financials without asking the customer to upload pdfs. Of those, a revenue-based lender that must pull a merchant's sales, payouts and general ledger before pricing a facility and a spend management product that needs to push bills and journal entries back into whichever accounting system its customer runs are not what Solaris is typically brought in for.
What can Rutter do that Solaris cannot?
Rutter covers Accounting and ERP, Commerce data, Payments data, Advertising data. Solaris covers German banking licence, IBAN accounts, Card issuing, Lending as a service.

Answered from the vendors’ own pages

Rutter: Does Rutter support QuickBooks Desktop?

Yes, which distinguishes it from unified APIs that only cover cloud accounting, and matters because many small businesses still run it.

Solaris: Does Solaris have a real banking licence?

Yes. Solaris SE is a German credit institution, which is why it can offer deposits and lending, unlike e-money based competitors.

Rutter: Can Rutter write data back?

Yes. Invoices, bills and journal entries can be pushed into supported accounting systems, not only read.

Solaris: Is the BaFin action still live?

The special representative appointed in 2022 had the mandate extended in July 2024, and fines were issued in March 2024. Treat supervisory oversight as an active condition in your diligence.

Rutter: Is there a free tier?

There is a thirty day sandbox trial with test data. Production access requires a paid plan with quoted pricing.

Solaris: Who owns Solaris now?

SBI Holdings of Japan agreed in December 2024 and January 2025 to take a majority stake of over seventy per cent for around EUR 100 million.

Rutter: What if the unified model lacks a field I need?

Rutter supports passthrough requests to the underlying platform API, though using them reintroduces platform-specific code.

Share

Related pages

More on Rutter

More on Solaris

Keep looking

Other head to heads