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APIs · head to head

Codat vs Kong

Codat logo

Codat

APIs

One API for small business accounting, banking and commerce data

From
On request
Rated
-
Full reviewWebsite
Kong logo

Kong

APIs

Cloud-native API gateway and service connectivity platform

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Kong 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.; Kong the Plus plan includes 1M API requests a month and charges $200 a month for each additional million
  • They diverge on capability: Codat covers Normalised accounting API, Kong covers API Gateway.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Codat and Kong actually diverge.

Attributes where Codat and Kong differ
AttributeCodatKong
Starting priceOn requestFree
Pricing modelquotesubscription
Free tierNoYes
PlatformsAPI, WebLinux, Docker, Kubernetes
FoundedUnknown2010

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 Kong

  • API Gateway
  • Authentication & Authorization
  • Rate Limiting
  • Kubernetes
  • Consul
  • Eureka
  • PostgreSQL
  • Linux 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 Kong
  • A commercial bank monitoring covenant compliance across a portfolio of small business borrowers continuously rather than quarterlynot Kong
  • A payment company verifying a merchant trading history before extending working capitalnot Kong
  • A B2B platform writing bills and payments back into a customer accounting system so reconciliation happens automaticallynot Kong

Kong

  • API gateway management and routingnot Codat
  • API development and testingnot Codat
  • Enterprise API security and governancenot 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.

Kong

  • The Plus plan includes 1M API requests a month and charges $200 a month for each additional million
  • Plus is capped at 10M requests a month, so growth past that forces an Enterprise contract
  • Plus limits published APIs to 20 and includes one Developer Portal, with a second at $200 a month
  • SSO and audit logging are Enterprise only
  • Enterprise pricing is custom and billed annually

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

Kong

Free
  • Kong Konnect Free TrialFree
    • 30-day free trial
    • Full enterprise functionality
    • Unlimited gateways
  • Kong Konnect Plus$null/month
    • Per gateway pricing billed monthly
    • Up to 5 Serverless Gateways, 2 Hybrid, 2 Dedicated Cloud Gateways
    • 1M API requests included per month
  • Kong Insomnia EssentialsFree
    • Unlimited projects and CLI access
    • Up to 3 Git Sync users
    • 1,000 mock server requests per month
  • Kong Insomnia Pro$12/month
    • Unlimited users with Git Sync access
    • Unlimited organizations
    • RBAC

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 Kong if

  • You need api gateway.
  • You want to start without paying.
  • You work on Linux, Docker, Kubernetes.
  • You also want authentication & authorization.
Kong review

Questions people ask

Is Codat or Kong better?
Neither clearly leads. Codat starts at On request and Kong at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Codat or Kong?
Kong has a free tier; the other does not. Paid plans start at On request for Codat and Free for Kong.
Does Codat or Kong run on more platforms?
Codat runs on API, Web. Kong runs on Linux, Docker, Kubernetes.
Can I use Kong for free?
Yes. Kong 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 Kong is typically brought in for.
What can Codat do that Kong cannot?
Codat covers Normalised accounting API, Banking and commerce data, Lending products, Write-back. Kong covers API Gateway, Authentication & Authorization, Rate Limiting, 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.

Kong: Does Kong offer a free trial?

Yes, Kong Konnect offers a 30-day free trial with full enterprise functionality, unlimited gateways, and no credit card required.

Source
Codat: Can Codat write data back?

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

Kong: How much does Kong Insomnia Pro cost?

Kong Insomnia Pro is $12 per user per month with 15% savings available for annual billing.

Source
Codat: Is pricing published?

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

Kong: What are Kong Konnect Plus API request limits?

Kong Konnect Plus includes 1M API requests per month; additional requests cost $200 per 1M (maximum 10M per month).

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.

Kong: What is included in Kong Insomnia Enterprise?

Kong Insomnia Enterprise is $45 per user per month with SSO, SCIM, vault integrations, unlimited mock server requests, and Konnect integration.

Source
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