Launch bill pay in weeks, keep customers for years
Codat handles everything from accounting integrations to automated reconciliation – so you can streamline your customers’ payment flows and become the financial control center they can’t live without.
From invoice to reconciliation in three simple steps
- Manage reference data
Once a customer authorizes access to their accounting platform, Codat syncs their existing supplier data and allows them to create new records as needed – all without leaving your app.
- Surface customer bills
Display unpaid bills from your customer’s accounting system directly in your interface. They can select which bills to pay or generate new bills within your platform.
- Record and reconcile payments
When your customer completes a payment in your app, Codat automatically syncs it back to their accounting software, reconciles it against the original bill, and marks it as paid.
Codat handles foreign currencies, tax reporting, and bookkeeping quirks, so your team can focus on building your next great feature.
Win and retain more business
Increase share of wallet
Stop losing payment volume to the competition. Enable customers to pay their bills directly through your platform, so you can capture more transactions while boosting engagement.
Reduce customer churn
Become indispensable by solving your customers’ real payment pain points. Seamless accounting integrations increase stickiness and give your customers fewer reasons to leave.
Accelerate time to market
Launch across all major accounting platforms at once using a single, standardized API, reducing months of development time and effort to a matter of weeks.
Deliver higher quality
Help your customers avoid costly errors like double payments and reconciliation mistakes. Codat’s automated, real-time sync ensures accuracy and gives your customers confidence in their data.
Designed to handle real-world complexity
Standardized data model
Automated reconciliation
Full payment handling
Two-way sync
Flexible deployment
Bank-grade security
The difference is in the details
Specialized for your use case
Your customers authorize access to their data through Codat’s secure, bank-grade connection flow. Bills from their accounting system automatically sync to your platform – no manual uploads, no duplicate data entry.
Quick, simple implementation
Our pre-built SDKs, comprehensive documentation, and standardized data model eliminate months of custom integration work – so you can build and launch best-in-class bill pay features in weeks instead of quarters.
Battle-tested at scale
Codat is trusted by leading fintechs to power their critical bill pay infrastructure. Our team handles the complexity behind the scenes – from webhook management to error handling to automatic retries – so you can focus on product innovation.
Here’s what you can accomplish with Codat in 3 months or less
- You’re officially handed over to our Implementation team.
- We set up the project, share resources, and grant environment access.
- All stakeholders align on scope, criteria, and next steps.
- Outcome: Clear plan, clear goals, and the right people ready to help you succeed.
- All stakeholders agree on proposal and project scope.
- You build your configuration of Codat to meet your goals, with support from the Implementation team.
- Our Implementation team are on hand throughout to resolve any technical queries fast.
- Outcome: Your Codat configuration is live and ready for testing within weeks.
- Validate and get confidence in your setup.
- You test your configuration internally and with early-adopter customers (beta).
- Your Implementation Specialist ensures tests are comprehensive and works with you to resolve any issues.
- Take your solution to market.
- We support your go-to-market planning, training, and (if needed) migration prep.
- Your team is fully equipped to roll out your solution.
- You start connecting customers.
- Maximize adoption and long-term value.
- Your Account Manager helps drive customer adoption and activation.
- We work together on a joint long-term success plan to deliver measurable impact.
Learn more about bill pay automation
Frequently asked questions
How quickly can we launch Bill Pay with Codat?
Most platforms launch Bill Pay functionality within six weeks on average. Codat’s standardized API eliminates what would be months of custom development work required to build integrations with each complex accounting platform individually, allowing you to go to market significantly faster.
Which accounting platforms can we connect to through Codat’s Bill Pay solution?
Codat supports integrations with over 20 major accounting platforms including QuickBooks Online, Xero, Sage, NetSuite, FreshBooks, and more. Your customers simply select their platform, authorize the connection, and start paying their bills – all without leaving your application.
How does Codat prevent duplicate payments?
Codat’s automated reconciliation engine matches each payment to its corresponding bill or invoice in real time and marks it as paid in your customer’s accounting software. This prevents accidental double payments and ensures accurate record-keeping across all systems.
Can Codat handle complex payment scenarios like partial payments and credit notes?
Yes. Codat supports the full spectrum of payment types, including partial payments, overpayments, credit notes, refunds, and bulk payments. Our built-in logic handles these complex scenarios automatically, so you don’t have to build custom workflows for each individual edge case.
Is real-time sync available, or is there a delay?
You can choose between synchronous (instant) sync and asynchronous sync depending on your particular use case and needs. Synchronous provides immediate updates ideal for critical workflows, while asynchronous handles high-volume batch operations efficiently. Both options are available through Codat’s API.
How does Bill Pay integration increase customer retention?
When your customers can pay all their bills directly through your platform with automated accounting reconciliation, you become embedded in their most critical financial workflows. This deep integration creates significant switching costs and has been shown to reduce churn significantly compared to platforms without accounting automation.
What kind of support does Codat provide during the implementation process?
Codat provides dedicated integration support including comprehensive technical documentation, code samples, sandbox environments for testing, and access to our expert solutions engineering team. We work closely with you throughout implementation to ensure a smooth and speedy launch.
Can customers still use their existing approval workflows?
Yes. Codat surfaces unpaid bills from the accounting system but doesn’t interfere with your platform’s approval process. You maintain complete control over payment authorization, approval chains, and business logic while Codat handles the data sync behind the scenes.