Connect to your small business customers' financial data

We make accessing consented business data from your customers' banking, accounting, and commerce platforms easy. Build once to our API to aggregate data, underwrite credit risk, and automate accounting for your SMB customers.

Trusted by leading fintechs and financial institutions

Our platform

Seamless connectivity to SMB financial data

Leading SaaS, payments, and financial service providers use our universal API to retrieve and synchronize data between their products and their SMB customers’ financial platforms.

Optimized authentication

The fastest and easiest way for your SMB customers to share their data securely.

Robust coverage

Instantly access data from +30 accounting, ERP, eCommerce, PoS, payments, and banking platforms.

Standardized data

Complex business data is standardized to a common format across every platform.

Intelligent insights

Actionable insights generated by processing millions of data sets across geographies, sectors, use cases, and platforms.

Explore our products

Power the next wave of SMB solutions

Accounting API

Connect to your SMB customers cloud, ERP, and desktop accounting platforms.

Commerce API

Connect to your SMB customers' eCommerce, PoS, and payment platforms.

Banking API

Connect to your SMB customers' banking data.

Sync for Commerce

Embedded accounting integrations for PoS and eCommerce platforms.

Sync for Expenses

Embedded accounting integrations for corporate card providers.


Standardized data and actionable insights for smarter risk decisioning.

Designed for developers

Join the thousands of developers already building on Codat

Focus on what you do best with the technical complexity of integrations taken care of. Plus, it’s free to get started.

Simple set-up

Developer-first documentation to get started at speed

Simple and intuitive docs designed to help you get started quickly and bring your product to market in no time.

pre-built integrations

Stress-tested connectivity

We obsess over ongoing maintenance, optimizations, and edge-case fixes, so you don’t have to.

"Zettle by PayPal is dedicated to providing small businesses with the best tools to build their business and allowing our products to fit neatly with the rest of the software they use is vital for us. Codat has allowed us to offer a market-beating product without a huge development spend."

Stephane Koch
Corporate Development Manager

"Accounting data is a critical part in making the best investment decisions for Clearco’s customers. Codat’s API allows us to quickly assess accuracy and risk while at the same time maintain our streamlined application process."

Ben Brideaux
Director of Operations