Drive commercial card revenue with actionable client data
With Codat, you can easily access clients’ ERP data with on-demand spend visibility and comprehensive supplier insights that help you win more accounts and convert spend to card faster.
From seamless data sharing to limitless revenue growth in three simple steps
- For your clients:A secure, simple way to share data
Your clients can share their ERP data through Codat’s secure OAuth flow or upload files through our intelligent upload service that automatically maps any file format.
The entire setup takes just a few minutes and integrates seamlessly with your bank’s platform, granting you immediate access to comprehensive, on-demand spend data that’s already standardized, enriched, and ready to use.
- For your bank:Instant, actionable insights
From there, you get ongoing access to detailed spend analyses, supplier card acceptance scores, ROI projections, and more.
All reports are delivered in flexible formats that can be customized to your brand and integrated directly into your existing tools – so your team can take action in a way that feels natural to your regular workflows.
- For real results:Quick, measurable wins
With personalized, data-driven insights at your fingertips, you can win more opportunities and drive more card volume at scale.
Continuous monitoring means you’re alerted whenever there’s new spend information or a significant change – so you can move quickly to seize opportunities, prevent churn, and maximize card penetration and spend.
Two ways to grow card revenue
+45% more closed deals
using Codat’s spend insights to sell more card programs
+20% higher card spend
using Codat’s platform to identify cardable opportunities
Deeper insights across the card lifecycle
Complete visibility in minutes
Replace manual file collection with automated, secure data sharing. Access comprehensive spend data – including payment methods, supplier details, transaction volumes, and payment terms – available out of the box with no technical implementation required.
Smart supplier intelligence
Pursue the most promising suppliers with predictive acceptance scores. Codat analyzes historical card patterns, industry benchmarks, transaction volumes, and payment behaviors to calculate each supplier’s likelihood of accepting cards – so your team knows where to focus their efforts.
Automated spend reports
Generate payment mix analyses, supplier breakdowns, ROI projections, and more with just a few clicks. All reports are fully customizable to your brand and can be integrated seamlessly into your existing workflows and presentation templates so Codat works just the way you do.
Continuous monitoring
Maintain live, real-time access to clients’ financial systems with their ongoing consent. Receive automated alerts whenever spend patterns change, new suppliers appear, or payment methods shift – for more proactive account management instead of reactive problem-solving.
Powerful tools for your entire card team
Sales specialists
Show prospects their precise cardable spend opportunity with supplier-specific insights that prove ROI and make your value impossible to ignore. Access complete supplier information and card acceptance scoring that reveals which suppliers to target – so you can close deals faster and hit quota with fewer meetings.
Show prospects their precise cardable spend opportunity with supplier-specific insights that prove ROI and make your value impossible to ignore. Access complete supplier information and card acceptance scoring that reveals which suppliers to target – so you can close deals faster and hit quota with fewer meetings.
Account managers
Give every seller consistent, high-quality spend insights without requiring complex data workflows for every deal. Track pipeline quality across your team, identify high-potential prospects systematically, and ensure your team delivers personalized value propositions at scale – not generic pitches that lose out to the status quo.
Give every seller consistent, high-quality spend insights without requiring complex data workflows for every deal. Track pipeline quality across your team, identify high-potential prospects systematically, and ensure your team delivers personalized value propositions at scale – not generic pitches that lose out to the status quo.
Spend analysts
Stop waiting for clients to send incomplete, outdated spend files. Get continuous visibility into spend shifts, so you can identify expansion opportunities, optimize supplier enablement priorities, and prevent churn back to ACH or wire – all without awkward follow-ups or putting client relationships at risk.
Stop waiting for clients to send incomplete, outdated spend files. Get continuous visibility into spend shifts, so you can identify expansion opportunities, optimize supplier enablement priorities, and prevent churn back to ACH or wire – all without awkward follow-ups or putting client relationships at risk.
Sales leaders
Access standardized, enriched data and automated reporting that reveals cost-saving opportunities, compliance gaps, and strategic recommendations across your entire portfolio – without the spreadsheet headaches, data wrangling, and formatting work that would otherwise drain your time.
Access standardized, enriched data and automated reporting that reveals cost-saving opportunities, compliance gaps, and strategic recommendations across your entire portfolio – without the spreadsheet headaches, data wrangling, and formatting work that would otherwise drain your time.
What you (and your clients) need to know
Codat is a consented data sharing solution that clients control, with enterprise-level security and read-only access that can be revoked at any time. Your clients are already sharing data this way with dozens of finance tools – we just make it work for commercial banking in a safe, simple way.
The status quo
You spend days or weeks pursuing quarterly statements and other documents that are outdated the moment they’re sent and introduce dangerous security risks as vulnerable email attachments.
With Codat
You get real-time access to clients’ operating financials through secure, authorized data sharing that take minutes to set up – yielding accurate, comprehensive insights that are updated continuously.
The difference is in the details
Purpose-built for banks and commercial card issuers
Unlike generic analytics tools, Codat’s Spend Insights solution is built specifically for banks and card issuers focused on growth – with features like supplier acceptance scoring, payment method tracking, and continuous monitoring that card teams actually need.
Full data access without the back and forth
Eliminate paper chases that lead to incomplete, outdated spend files. Codat’s secure data sharing and automated file upload service deliver comprehensive, standardized reports regardless of which systems your clients use or how they prefer to share information.
Enterprise-level security your teams and clients can trust
With Codat, you can count on built-in, bank-grade security and privacy standards – including SOC 2 Type II certification, GDPR compliance, 256-bit encryption, OAuth authentication, and read-only data access – for quick approvals, not lengthy risk negotiations.
Designed for the way card teams actually work
Everything from our data sharing flows to our rich spend reports can be used out of the box, customized to fit your bank’s brand, and dropped into your sales systems, CRMs, and presentation templates. No complex dashboards to learn or technical expertise required.
Proven results at scale
Learn more about the benefits of spend data
Frequently asked questions
How can Codat’s Spend Insights help me win more commercial card programs?
Codat’s Spend Insights solution transforms generic sales conversations into strategic, data-driven consultations. Instead of telling prospects about potential benefits, you can show them their exact cardable opportunity based on their actual spend data – complete with supplier-specific acceptance scores and personalized ROI projections. This approach helps you differentiate your services from competitors, accelerate sales cycles, and win programs you might otherwise lose to the status quo.
What if my clients won’t share their spend data?
Codat makes data sharing as simple and frictionless as possible through two pathways: secure API connections that pull data automatically with one-time authorization, or our smart upload service that handles any file format clients want to provide. The process is fully branded to your bank, takes just minutes to complete, and can be positioned as a value-added service that helps clients better understand their own spend – instead of just a data collection step.
How does supplier acceptance scoring work?
Codat’s scoring feature analyzes multiple signals – including historical card acceptance, industry patterns, supplier size and type, payment terms, and transaction characteristics – to determine each supplier’s likelihood of accepting commercial card payments. This directional score helps your team prioritize enablement efforts on the most promising opportunities and avoid wasting resources on suppliers that are unlikely to convert.
Can I customize the reports and analysis to fit my brand?
Yes. All client-facing materials – including the connection flow, spend summary reports, and detailed analysis outputs – can be fully customized with your bank’s branding, messaging, and visual identity. This ensures clients experience a seamless, trusted interaction that feels native to your institution rather than from a third-party tool.
How does continuous monitoring work?
Once a client connects their systems, Codat maintains ongoing access to their spend data (with their authorization). You’ll receive automated alerts whenever meaningful changes occur – like shifts away from card payments back to ACH or wire, new high-value suppliers appearing, or a shift in payment terms. This proactive visibility lets your account management team intervene quickly to prevent churn and capture new opportunities as they emerge.
What systems and platforms does Codat’s Spend Insights integrate with?
Codat’s Spend Insights solution integrates with major ERP and accounting platforms including NetSuite, SAP, Oracle, QuickBooks, Xero, Sage, and many more. Additionally, our intelligent upload service can handle spend files from any system in virtually any format – ensuring you can work with clients regardless of their technology stack or data sharing preferences.
Is Codat’s spend data secure and compliant?
Yes. Codat maintains bank-grade security standards including SOC 2 Type II certification, 256-bit encryption, and GDPR compliance. All data connections require explicit client authorization through OAuth flows, and we handle all security maintenance and updates so you can focus on growing your card programs with confidence.
How is this different from basic spend file analysis?
Traditional spend file analysis is a manual, one-time snapshot that’s already outdated the moment it’s created. Codat’s solution provides continuous insights that automatically evolve with your clients’ business. That means you get real-time updates, forward-looking acceptance scoring, automated reporting, and proactive alerts – all without the manual data wrangling, standardization work, and analyst time required by conventional methods.
What kind of support does Codat provide?
Codat provides comprehensive support including dedicated implementation assistance, customization guidance, hands-on technical support, and ongoing access to our specialized commercial card expertise. We work closely with your team throughout implementation and beyond to ensure you’re maximizing the value of Spend Insights and meeting your specific card program growth objectives.