APIs · head to head
Codat vs Prisma
Codat
APIs
One API for small business accounting, banking and commerce data
- From
- On request
- Rated
- -
The short version
- Only Prisma 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.; Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- They diverge on capability: Codat covers Normalised accounting API, Prisma covers ORM.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Codat and Prisma actually diverge.
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 Prisma
- ORM
- Query builder
- Auto-migrations
- Node.js
- TypeScript
- GraphQL
- REST APIs
- Node.js 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 Prisma
- A commercial bank monitoring covenant compliance across a portfolio of small business borrowers continuously rather than quarterlynot Prisma
- A payment company verifying a merchant trading history before extending working capitalnot Prisma
- A B2B platform writing bills and payments back into a customer accounting system so reconciliation happens automaticallynot Prisma
Prisma
- Using a type safe ORM and query layer against a Postgres databasenot Codat
- Adding a managed connection pool and edge cache in front of an existing databasenot 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.
Prisma
- Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
- Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
- Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
- Cache tag invalidations are not included below the Pro plan and are billed per thousand above it
Pricing, plan by plan
Codat
On request- Codat Platform$undefined/year
- Priced by connected companies, data types and products
- Lending and verification products priced above core data access
- Annual enterprise agreements
Prisma
Free- FreeFree
- 1M requests/month
- 360 GB-hours memory
- 4 vCPU-hours
- Starter$10/month
- 5M requests/month
- 1M database operations ($8 per million overage)
- 10 GB storage ($2/GB overage)
- Pro$49/month
- 20M requests/month
- 10M operations ($2 per million overage)
- 50 GB storage ($1.50/GB overage)
- Business$129/month
- 100M requests/month
- 50M operations ($1 per million overage)
- 100 GB storage
Which should you pick?
Choose Codat if
- You need normalised accounting api.
- You work on API, Web.
- You also want banking and commerce data.
Choose Prisma if
- You need orm.
- You want to start without paying.
- You work on Node.js, TypeScript.
- You also want query builder.
Questions people ask
- Is Codat or Prisma better?
- Neither clearly leads. Codat starts at On request and Prisma at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Codat or Prisma?
- Prisma has a free tier; the other does not. Paid plans start at On request for Codat and Free for Prisma.
- Does Codat or Prisma run on more platforms?
- Codat runs on API, Web. Prisma runs on Node.js, TypeScript.
- Can I use Prisma for free?
- Yes. Prisma 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 Prisma is typically brought in for.
- What can Codat do that Prisma cannot?
- Codat covers Normalised accounting API, Banking and commerce data, Lending products, Write-back. Prisma covers ORM, Query builder, Auto-migrations, Node.js.
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.
Prisma: How much does Prisma cost?
Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.
SourceCodat: Can Codat write data back?
Yes. It supports pushing bills, payments and journal entries into accounting systems, not only reading from them.
Prisma: What is Prisma's overage pricing?
Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.
SourceCodat: Is pricing published?
No. It is quoted by connected companies, data types and products, and users consistently describe it as opaque.
Prisma: Does Prisma include data transfer costs?
No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.
SourceCodat: 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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