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APIs · head to head

Codat vs Strapi

Codat logo

Codat

APIs

One API for small business accounting, banking and commerce data

From
On request
Rated
-
Full reviewWebsite
Strapi logo

Strapi

APIs

Headless CMS with REST and GraphQL APIs

From
$35/month
Rated
-
Full reviewWebsite

The short version

  • 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.; Strapi cloud pricing is per project, not per account, so a second project doubles the bill
  • They diverge on capability: Codat covers Normalised accounting API, Strapi covers REST API.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Codat and Strapi actually diverge.

Attributes where Codat and Strapi differ
AttributeCodatStrapi
Starting priceOn request$35/month
Pricing modelquotesubscription
PlatformsAPI, WebNode.js, Cloud, Self-hosted, Docker
FoundedUnknown2015

Identical on both: free tier (No), 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 Strapi

  • REST API
  • GraphQL API
  • Content management
  • PostgreSQL
  • MySQL
  • MongoDB
  • AWS
  • Webhooks

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

Strapi

  • Running a self hosted headless CMS with a REST or GraphQL APInot Codat
  • Giving editors a content admin panel over a custom content modelnot 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.

Strapi

  • Cloud pricing is per project, not per account, so a second project doubles the bill
  • Starter at $35 a month allows 100,000 API requests, and overage is $1.50 per 25,000
  • Extra bandwidth is $30 per 100 GB and extra asset storage $0.60 per GB
  • Backups start at the Pro plan, weekly, and only become daily at Business
  • An uptime SLA is Business only, at $450 a month per project
  • Additional environments cost $60 a month on Pro and $300 a month on Business

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

Strapi

$35/month
  • Starter$35/month
    • 100k API requests
    • 50 GB asset storage
    • 50 GB asset bandwidth
  • Pro$90/month
    • 1M API requests
    • 250 GB asset storage
    • 500 GB asset bandwidth
  • Business$450/month
    • 10M API requests
    • 1000 GB asset storage
    • 1000 GB asset bandwidth

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 Strapi if

  • You need rest api.
  • You work on Node.js, Cloud, Self-hosted, Docker.
  • You also want graphql api.
Strapi review

Questions people ask

Is Codat or Strapi better?
Neither clearly leads. Codat starts at On request and Strapi at $35/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Codat or Strapi?
Codat starts at On request and Strapi at $35/month.
Does Codat or Strapi run on more platforms?
Codat runs on API, Web. Strapi runs on Node.js, Cloud, Self-hosted, Docker.
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 Strapi is typically brought in for.
What can Codat do that Strapi cannot?
Codat covers Normalised accounting API, Banking and commerce data, Lending products, Write-back. Strapi covers REST API, GraphQL API, Content management, PostgreSQL.

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.

Strapi: How much do API request overages cost?

Additional API requests beyond the plan limit cost $1.50 per 25000 requests. Extra asset storage costs $0.60 per GB, and additional bandwidth costs $30 per 100 GB.

Source
Codat: Can Codat write data back?

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

Strapi: Is yearly billing available?

Yes, yearly billing saves up to 17% compared to monthly billing on Strapi Cloud plans.

Source
Codat: Is pricing published?

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

Strapi: What is included with the Pro plan?

The Pro plan costs $90 per month per project and includes 1M API requests, 250 GB asset storage, 500 GB bandwidth, multi-environment support, weekly backups, and manual backups.

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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