specification: API Commons Rate Limits
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/RateLimits
provider: Routable
providerId: routable
created: '2026-06-21'
modified: '2026-06-21'
reconciled: false
tags:
- Payments
- Accounts Payable
- Accounts Receivable
- B2B Payments
- Mass Payouts
- FinTech
- Rate Limiting
- Quotas
- Throttling
description: >-
  The Routable v1 API enforces a default rate limit of 600 requests per minute
  per account. Requests beyond the limit are throttled. Idempotency keys are
  supported so create requests can be safely retried after backoff. Specific
  per-endpoint limits beyond the documented default are not reconciled in this
  artifact.
notes: >-
  Confirm the current default request-per-minute limit and any per-endpoint or
  per-environment differences (production vs. sandbox) in Routable's developer
  documentation during reconciliation.
sources:
- https://developers.routable.com/reference/introduction
- https://developers.routable.com/docs
responseCodes:
  throttled: 429
limits:
- name: Requests Per Minute (RPM)
  scope: account
  metric: requests
  limit: 600 per minute (default)
  notes: Default account-level request rate limit documented by Routable; exceeding it returns 429.
policies:
- name: Idempotency
  description: Use idempotency keys on create requests so retries after a 429 do not duplicate payments.
- name: Backoff Strategy
  description: Clients should implement exponential backoff with jitter on 429 responses.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com