Build next-level financial products with direct accounting integrations
Codat delivers the robust connections and comprehensive data access your teams need and your customers expect – so you can drive operational efficiency, get to market faster, and give your platform a competitive edge.
Your customers won’t stick with disjointed experiences.
Today’s businesses are used to financial products that cover a range of needs and work with the systems they already use. When your product requires manual file uploads, duplicate data entry, or complicated reconciliation tasks, you create friction that slows adoption, frustrates users, and ultimately drives them to competitors that offer smoother workflows.
Make your platform indispensable with rich data connectivity.
With Codat, you can sync directly with your customers’ accounting, banking, and commerce systems to deliver the automated, real-time experiences they demand. When you eliminate manual work and enable seamless data flows, you become deeply embedded in their daily operations, unlocking higher engagement, stronger retention, and accelerated growth.
Find your solution
Whether you’re building lending flows, payments products, or financial management tools, Codat has a best-in-class solution purpose-built for your specific needs.
Underwriting & Monitoring
Underwriting & Monitoring
Access comprehensive, up to date financial data that enables faster credit decisions and ongoing portfolio monitoring – with real-time updates that provide early warning signals.
Bill Pay
Bill Pay
Automate customers’ payment workflows by pulling invoices and vendor details directly from their accounting software – reducing data entry errors while speeding up payment processing.
Bank Feeds
Bank Feeds
Push banking transaction data directly into customers’ accounting platforms in real time – providing instant, automated reconciliation that saves business teams hours of manual bookkeeping work.
Expense Management
Expense Management
Enable seamless expense tracking and categorization by syncing transaction data bi-directionally with customers’ accounting systems – eliminating manual reconciliation for corporate cards.
Codat gives you everything you need to win and keep business customers
Accelerate time to market
Launch accounting integrations in weeks instead of months. Build once to Codat’s APIs and gain immediate access to all the accounting, banking, and commerce systems SMBs use – without having to build and maintain individual connections.
Increase product adoption
Deliver the frictionless experiences that drive usage and loyalty. When customers can connect their existing tools quickly and seamlessly, they’re more likely to adopt and stick with your platform.
Reduce engineering overhead
Stop diverting your development resources to managing in-house integrations. Let Codat handle the complexity and updates behind the scenes, so your team can focus on core product innovation.
Purpose-built for modern finance
20+ integrations
Bank-grade security
Two-way data sync
Automated categorization
Standardized data model
Real-time updates
- Simple, secure authorization
Your customers connect their financial platforms – including accounting, commerce, and banking systems – through Codat’s OAuth flow in just a few clicks, with no required manual file uploads or involvement from IT.
- Direct data flows
Codat retrieves comprehensive financial data in real time and delivers it in a clean, standardized format, regardless of the platforms your customers use – giving you ongoing access and consistency across your customer base.
- Fully integrated workflows
Codat’s data streams directly into your existing product workflows, enabling the seamless, automated experiences your customers expect – while you maintain full control over the UX and configurations.
Top brands choose Codat to power their products
Learn more about the value of data-driven innovation
Frequently asked questions
Which fintech use cases does Codat support?
Codat powers accounting connectivity for a wide range of fintech products, industries, and needs – including business lending platforms, cross-border payments services, bill pay and AP automation tools, embedded banking and card programs, expense management solutions, financial planning and analysis tools, and SMB financial dashboards. Our standardized API and comprehensive platform coverage make us the go-to solution for any fintech product that needs to connect with business customers’ financial data.
How long does it take to integrate with Codat’s API?
Most fintechs complete the initial integration within four to eight weeks on average. Our purpose-built products designed for specific use cases – along with our comprehensive documentation and dedicated implementation support – accelerate deployment timelines significantly compared to building accounting integrations in-house from scratch, which can take months per platform.
Do I need to be an expert in accounting to use Codat?
Not at all! Codat abstracts away the complexity of diverse accounting platforms, delivering clean data in standardized, developer-friendly formats. Our API handles platform-specific nuances, data normalization, and accounting logic automatically behind the scenes, so your team can focus on building and rolling out great product features, without having to learn the intricacies of accounting.
Which accounting platforms does Codat support?
Codat integrates with 30+ accounting, ERP, banking, and commerce platforms including QuickBooks Online, QuickBooks Desktop, Xero, Sage, NetSuite, FreshBooks, and many other systems commonly used by your business customers. You build once to our unified API and gain access to all supported platforms simultaneously, while we handle the platform-specific complexities and upkeep for you.
How does Codat ensure data security and compliance?
Codat employs bank-grade, enterprise-level security measures including 256-bit encryption, SOC 2 Type II certification, and GDPR compliance. All data connections use OAuth authorization with customers’ explicit consent, and we never store banking credentials. Our infrastructure meets the security requirements of regulated financial institutions operating on a global scale.
Can Codat handle real-time data syncing?
Yes. Codat supports real-time, bi-drectional data sync, enabling your product to both pull financial data for analysis and push transaction data back to customers’ accounting systems for easy, automated reconciliation. This eliminates the lag time associated with batch processing and manual data products, delivering the instant, smooth experiences today’s customers expect.
What’s the difference between Codat’s various products?
Codat offers purpose-built solutions optimized for specific use cases. Our Underwriting & Monitoring API provides the financial data lending teams need to make quick, confident credit decisions. Bank Feeds pushes transaction data into customers’ accounting systems for instant, automated reconciliation. And Sync for Payables enables bill payment automation by pulling supplier and invoice data in real time. While all of these products share our core connectivity infrastructure, each is tailored to solve distinct problems with specialized data models and unique, custom features.
How much does Codat cost for fintech applications?
Codat offers flexible pricing based on your specific needs, integration requirements, and expected volume. Get in touch with our team for a custom quote that aligns with your business model and growth plans.
What happens if my customers use platforms that Codat doesn’t yet support?
Codat is continuously expanding our platform coverage based on evolving demand and emerging market trends. If your customers use platforms we don’t currently support, our team will evaluate adding them to our roadmap. Our unified API and standardized data models make it easy to add new platforms as they become available without having to rebuild your integration.