Bill Pay MVP — Zero to One

Minimum scope to launch a working, embeddable AP product for Anatomy

Rutter provides Anatomy provides Both

Anatomy API access required for all rails rows

Phase 1 — Core flow (required to launch)
# Feature Owner What it does / acceptance bar Demo
1 · Capture
1.3 Drag-and-drop upload Rutter PDF/JPG/PNG → bill created in draft state. Primary capture path for Phase 1. Open ↗
1.2 AI / OCR extraction Rutter Vendor, amount, due date, invoice # auto-populated on upload. ≥90% header accuracy on sample invoices. Open ↗
2 · Approvals
2.1 Single-level approval workflow Rutter Bill moves draft → pending → approved → paid. Rutter owns all state transitions and downstream routing triggers. Multi-level cascading rules* committed as Phase 2 fast-follow. Open ↗
2.2 Threshold-based routing Rutter Configure a $ threshold; bills route to different approvers automatically. Open ↗
3 · Rails  Anatomy bank API required for all rows below
3.1 ACH (1–2 day) Anatomy Anatomy provides: bank ACH API + sandbox credentials. Rutter orchestrates execution on bill approval; never holds funds. Open ↗
3.2 Same-day ACH Anatomy Anatomy provides: same-day cutoff endpoint. Rutter triggers before cutoff; settles same business day. Open ↗
4 · Vendors
4.1 Vendor master sync Rutter New vendor in connected ledger appears in Rutter in <5 min. Bidirectional. Open ↗
4.3 Bank account verification Both Anatomy provides: micro-deposit API. Rutter surfaces the verification flow in the embed. Open ↗
5 · Accounting sync  — ledgers Anatomy is launching in Q3
5.1 QuickBooks Online Rutter When a bill is paid, Rutter posts bill_payment to QBO. Bidirectional sync of bills, vendors, and state changes. Open ↗
5.2 Sage Intacct Rutter Same as QBO. Native Rutter coverage — not via custom path. Open ↗
5.3 NetSuite Rutter Same as QBO. Native Rutter coverage — tier-gated in most competitors. Open ↗
5.4 Campfire Rutter Same as QBO. Differentiator — no competitor in this list ships Campfire. Open ↗
6 · Audit & infrastructure
6.1 Immutable audit log Rutter Every event has timestamp + actor; surfaced in UI. Required for healthcare back-office. Open ↗
6.2 Sandbox environment Rutter All flows testable without moving real money. Required for Anatomy to integrate during the build. Open ↗
6.3 Payment webhooks Rutter created / approved / paid / failed events. Required to close the loop between Anatomy's bank and the bill state machine. Open ↗
6.4 Idempotent payment-init Rutter Retried call returns same transaction ID. Required to prevent double-pay on network failure. Open ↗
7 · Embed surface
7.1 React component library Rutter @rutter/billpay-react — npm installs and renders core surfaces in Anatomy's product. Open ↗
7.2 JWT session model Both Anatomy provides: backend to mint JWT. Rutter scopes UI session to one customer entity. Open ↗
7.3 TypeScript SDK Rutter Server-side bill, vendor, and payment APIs callable from Anatomy's backend. Open ↗

What Anatomy must provide to go live

  1. Bank ACH + same-day ACH API with sandbox credentials
  2. Payment-status webhooks (or polling endpoint) — to close the loop on paid / failed
  3. Micro-deposit verification endpoint
  4. Backend service to mint entity-scoped JWTs
  5. Anatomy bank API SDK spec (flagged 2026-04-30)
Phase 2 — growth (post-launch, not required for zero-to-one)
# Feature Owner Notes
1.1Email-forwarding inboxBothAnatomy provides: DNS for bills@<cust>.anatomy.app subdomain. Rutter handles inbound parsing. Vendors email invoices in; bill appears <60s.
1.4Auto-import from ledgerRutterBill created in QBO appears automatically. Layer on top of sync.
2.1*Multi-level approval workflowRutterCascading rules (e.g. <$100 → admin · $100–250 → admin + Jane · ≥$250 → admin + Jane + (Jess OR Mary)). Committed fast-follow within 30 days post-GA.
2.3Vendor / entity / GL routingRutterApproval rules beyond $-threshold.
3.3Wire (same-day)AnatomyWire submitted; bank returns confirmation ID.
3.4Paper checkAnatomyCheck generated, mailed, tracking number returned.
4.2W-9 / e-signatureRutterBranded vendor onboarding flow.
4.41099 exportRutterCSV + IRS format for qualifying vendors.
6.xMulti-entityRutterEntity switcher, per-entity approval policy and GL routing. Anatomy MSO/DSO target customers.
7.xRecurring & batch payRutterScheduled recurring bills; select N and pay all at once.
8.2RBAC (Viewer / Approver / Admin)RutterViewer cannot approve; Admin can edit policy.
8.3MFA enforcementBothRequired for Approver+ roles.
F1Healthcare vendor parser presetsRutterOCR pre-tuned for Stryker / McKesson / Cerner / Athena / Epic.
F8Anatomy Copilot (Rutter MCP)Rutter"Show me bills > $10k due this week" — Claude over bill data.
F10Cash-flow forecasting (AR + AP)BothAnatomy provides: claim-inflow projections. Bill-pay outflows overlay. No competitor offers this.