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APIs · head to head

Codat vs Nango

Codat logo

Codat

APIs

One API for small business accounting, banking and commerce data

From
On request
Rated
-
Full reviewWebsite
Nango logo

Nango

Automation Integration

Open source unified API and OAuth infrastructure for product integrations, licensed under Elastic License 2.0

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Nango 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.; Nango the licence is Elastic License 2.0, which is source available rather than OSI open source, and it forbids offering Nango to third parties as a managed service, so anyone planning to resell or embed it in a platform for their own customers has a genuine legal problem.
  • They diverge on capability: Codat covers Normalised accounting API, Nango covers Managed OAuth.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Codat and Nango actually diverge.

Attributes where Codat and Nango differ
AttributeCodatNango
Starting priceOn requestFree
Pricing modelquotePer connection per month
Free tierNoYes
PlatformsAPI, WebWeb, Linux, Docker
CategoryAPIsAutomation Integration

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

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 Nango

  • Managed OAuth
  • Pre-built integrations
  • Custom syncs and actions
  • Incremental sync
  • Rate limit and retry handling
  • Webhooks
  • Self-hosting
  • Unified models

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 Nango
  • A commercial bank monitoring covenant compliance across a portfolio of small business borrowers continuously rather than quarterlynot Nango
  • A payment company verifying a merchant trading history before extending working capitalnot Nango
  • A B2B platform writing bills and payments back into a customer accounting system so reconciliation happens automaticallynot Nango

Nango

  • A SaaS product that needs to ship twenty customer-facing integrations without hiring a team to maintain OAuth and token refresh for eachnot Codat
  • A team that needs a niche or internal API integrated, which closed unified API vendors will not build for themnot Codat
  • A company with data residency or security constraints that must self-host the integration layer rather than send customer tokens to a vendornot Codat
  • An engineering team replacing a homegrown integration service whose main cost is silent token expiry and rate limit failures in productionnot 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.

Nango

  • The licence is Elastic License 2.0, which is source available rather than OSI open source, and it forbids offering Nango to third parties as a managed service, so anyone planning to resell or embed it in a platform for their own customers has a genuine legal problem.
  • Pricing is per connection where a connection is one authorised end-user account, so cost scales linearly with your customer base and a product where each user links several services multiplies quickly beyond what a headline plan price suggests.
  • Pre-built integrations vary in depth, and a connection that exists is not the same as a connection that covers the endpoints and objects your feature needs, so each one must be verified before it is designed into a roadmap.
  • Custom syncs are written in TypeScript and run in Nango model, which means integration logic lives in a vendor runtime and migrating away later requires rewriting it rather than lifting it out.
  • Self-hosting removes the vendor from the data path but transfers operational responsibility for a component that holds customer OAuth tokens, and few teams appreciate the security burden that comes with running that themselves.

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

Nango

Free
  • FreeFree
    • 10 connections
    • Pre-built integrations
    • Managed OAuth
  • Starter$50/month
    • 20 connections included
    • 1 USD per additional connection
    • Custom syncs and actions
  • Growth$500/month
    • 100 connections included
    • 1 USD per additional connection
    • Higher limits
  • Enterprise$undefined/month
    • Quoted
    • Custom connection volumes
    • Security review and 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 Nango if

  • You need managed oauth.
  • You want to start without paying.
  • You work on Web, Linux, Docker.
  • You also want pre-built integrations.
Nango review

Questions people ask

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

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.

Nango: Is Nango open source?

It is source available under Elastic License 2.0. You can read, modify and self-host it, but you cannot offer it to third parties as a managed service. That is not the same as an OSI approved open source licence.

Codat: Can Codat write data back?

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

Nango: How is it priced?

Per connection per month, where a connection is one authorised end-user account. Free to 10 connections, 50 dollars a month for Starter with 20, 500 for Growth with 100, and one dollar per additional connection.

Codat: Is pricing published?

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

Nango: Can we integrate an API Nango does not support?

Yes. Custom syncs and actions in TypeScript cover any API including internal ones, which is the main advantage over closed unified API products.

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.

Nango: Can we self-host it?

Yes, under the Elastic License 2.0 terms, which permit self-hosting for your own use but not resale as a service.

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