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APIs · head to head

Codat vs Gravitee

Codat logo

Codat

APIs

One API for small business accounting, banking and commerce data

From
On request
Rated
-
Full reviewWebsite
Gravitee logo

Gravitee

APIs

Open source API management platform for event-native APIs

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Gravitee has a free tier, so it costs nothing to try first.
  • Each has a real cost: Codat the accounting platforms are metering developer access themselves, with Xero introducing tiered connection based developer pricing from 2 March 2026, so a cost you do not control has been inserted between you and the data and it scales with the number of customers you connect.; Gravitee the entry paid API management tier is $2,500 a month and includes a single production gateway
  • They diverge on capability: Codat covers Normalised accounting API, Gravitee covers API Gateway.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Codat and Gravitee actually diverge.

Attributes where Codat and Gravitee differ
AttributeCodatGravitee
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsAPI, WebCloud, On-premise, Kubernetes
FoundedUnknown2015

Identical on both: user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Codat

  • Normalised accounting API
  • Banking and commerce data
  • Lending products
  • Write-back
  • Business verification
  • Supplier onboarding
  • Connection management
  • Data quality handling

Only in Gravitee

  • API Gateway
  • Developer Portal
  • Analytics Dashboard
  • Kubernetes
  • Docker
  • Kafka
  • LDAP
  • Cloud support

What people use each for

The jobs each tool is most often brought in to do.

Codat

  • A business lender that wants live ledger data for underwriting rather than a borrower emailing exported PDF accountsnot Gravitee
  • A commercial bank monitoring covenant compliance across a portfolio of small business borrowers continuously rather than quarterlynot Gravitee
  • A payment company verifying a merchant trading history before extending working capitalnot Gravitee
  • A B2B platform writing bills and payments back into a customer accounting system so reconciliation happens automaticallynot Gravitee

Gravitee

  • API gateway and lifecycle managementnot Codat
  • Exposing Kafka event streams as managed APIsnot Codat
  • Protocol mediation between event brokers and clientsnot Codat
  • Self-hosting an open source API gatewaynot Codat
  • Access control and authentication in front of internal APIsnot Codat

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Codat

  • The accounting platforms are metering developer access themselves, with Xero introducing tiered connection based developer pricing from 2 March 2026, so a cost you do not control has been inserted between you and the data and it scales with the number of customers you connect.
  • Pricing is opaque and enterprise shaped for a product developers expect to evaluate technically first, so build decisions get made before anyone knows the unit economics.
  • Normalisation hides but does not remove the underlying differences between accounting systems, and edge cases in multi-currency, journals and tax handling surface as data quality problems that your team must reason about in each source system anyway.
  • Data quality depends on the small business keeping its books properly, so a lender using ledger data for underwriting inherits the bookkeeping standard of its worst borrower and needs its own validation layer regardless.
  • Connection breakage from expired tokens and platform API changes is an ongoing operational load, and a borrower whose connection lapses stops being monitored silently, which is the failure mode that matters most in a lending portfolio.

Gravitee

  • The entry paid API management tier is $2,500 a month and includes a single production gateway
  • Event management is priced separately, starting at $1,250 a month for the Comet tier
  • Tiers are gated on gateway and broker counts, so scaling horizontally means moving tier rather than paying incrementally
  • Data logging masking and other enterprise features are withheld from the lowest paid tier
  • 24/7 support requires the top Universe tier

Pricing, plan by plan

Codat

On request
  • Codat Platform$undefined/year
    • Priced by connected companies, data types and products
    • Lending and verification products priced above core data access
    • Annual enterprise agreements

Gravitee

Free
  • CommunityFree
    • API Gateway
    • Basic analytics
    • Community support
  • Enterprise$1500/monthly
    • Advanced features
    • SLA support
    • SSO integration
  • Custom$undefined/monthly
    • Custom deployment
    • Dedicated support
    • Premium SLA

Which should you pick?

Choose Codat if

  • You need normalised accounting api.
  • You work on API, Web.
  • You also want banking and commerce data.
Codat review

Choose Gravitee if

  • You need api gateway.
  • You want to start without paying.
  • You work on Cloud, On-premise, Kubernetes.
  • You also want developer portal.
Gravitee review

Questions people ask

Is Codat or Gravitee better?
Neither clearly leads. Codat starts at On request and Gravitee at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Codat or Gravitee?
Gravitee has a free tier; the other does not. Paid plans start at On request for Codat and Free for Gravitee.
Does Codat or Gravitee run on more platforms?
Codat runs on API, Web. Gravitee runs on Cloud, On-premise, Kubernetes.
Can I use Gravitee for free?
Yes. Gravitee has a free tier, so you can try it without paying. Codat starts at On request.
What is Codat best used for?
Codat is most often used for a business lender that wants live ledger data for underwriting rather than a borrower emailing exported pdf accounts, a commercial bank monitoring covenant compliance across a portfolio of small business borrowers continuously rather than quarterly, a payment company verifying a merchant trading history before extending working capital, a b2b platform writing bills and payments back into a customer accounting system so reconciliation happens automatically. Of those, a business lender that wants live ledger data for underwriting rather than a borrower emailing exported pdf accounts and a commercial bank monitoring covenant compliance across a portfolio of small business borrowers continuously rather than quarterly are not what Gravitee is typically brought in for.
What can Codat do that Gravitee cannot?
Codat covers Normalised accounting API, Banking and commerce data, Lending products, Write-back. Gravitee covers API Gateway, Developer Portal, Analytics Dashboard, Kubernetes.

Answered from the vendors’ own pages

Codat: What is changing with Xero in 2026?

Xero is introducing a tiered, usage based developer pricing model effective 2 March 2026, with tiers based on the number of customer connections an app holds. That is a new cost in the chain for anyone reading Xero data at scale, whether directly or through Codat.

Gravitee: What is Gravitee's pricing model?

Gravitee uses a tiered subscription model with monthly flat pricing. The Planet tier for API Management starts at $2,500/month with one production gateway, while the Comet tier for Event Management starts at $1,250/month.

Source
Codat: Can Codat write data back?

Yes. It supports pushing bills, payments and journal entries into accounting systems, not only reading from them.

Gravitee: Are there hidden fees with Gravitee?

No. Gravitee explicitly states there are no hidden fees, and all tiers include unlimited users and unlimited APIs under management.

Source
Codat: Is pricing published?

No. It is quoted by connected companies, data types and products, and users consistently describe it as opaque.

Gravitee: What does higher tier pricing include in Gravitee?

Higher tiers add more production gateways, enterprise plugins, and enhanced support levels ranging from Gold to Platinum/Diamond support.

Source
Codat: Does it replace bank data aggregation?

Not entirely. It covers banking alongside accounting and commerce, but lenders commonly run it beside a bank aggregator for transaction level cash flow.

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