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Sage Embedded Services

Your platform. Our technology.

Deliver trusted accounting, payroll and expense management directly inside your platform with our modular APIs. Accelerate your time to market and grow customer value faster without the cost and complexity of building from scratch.

Trusted by leading platforms to deliver at scale for their customers.
  • Trusted by banks and fintechs
  • FTSE 100 listed
  • 2 million SMB customers
  • Network of 80k+ accountants

Power your platform with Sage Embedded Services

Accelerate your time to market by embedding trusted Sage technology within your platform. Choose only the services you need from our modular API platform for embedded accounting, tax filing, payroll and expense management.

Invoicing, general ledger, financial reporting and tax filing embedded in your platform.

Trusted payroll engine and HMRC submissions for end-to-end payroll embedded in your platform.

Employee expense management APIs for all-in-one expense management solution embedded in your platform.

What embedded services can do for platforms

Platforms that have embedded services see the following results:

Increased revenue

Increased engagement

Source: Sage and Strand Partners research, UK, July 2026. n=101 platform decision-makers.

Why Sage Embedded Services?

Headless APIs

Embed trusted Sage technology in your UI, brand, and commercial model with our headless APIs to create a unified user experience natively in your platform.

Modular, composable services

Embed only the services you need, when you need them, adding modules as you scale, from embedded accounting and tax to payroll and expense management.

Trusted global partner

Embed trusted accounting, payroll and expense management at speed and accelerate your time to market across multiple regions.

Accountant collaboration

Enable your customers to connect and collaborate with an accountant when they need trusted expertise and advice with the Sage Accountant network.

In the news

See how leading platforms are using Sage Embedded Services.

HSBC UK and Sage simplify tax reporting for small businesses ahead of Making Tax Digital

As part of HSBC UK’s big support for small businesses, the bank is launching a new tool to help business owners and sole traders get ahead of the Government’s Making Tax Digital for Income Tax (MTD) changes coming in April.
Learn more

Monzo simplifies Making Tax Digital with built-in tax filing tool, powered by Sage

Monzo, the digital bank with over 700,000 business customers, in partnership with Sage, is helping simplify tax filing for sole traders and landlords with a new tool that lets them file directly to HMRC from their Monzo Business bank account.
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SumUp expands into the accounting market with a free Making Tax Digital for Income Tax offering, powered by Sage

The new solution will help sole traders simplify income tax quarterly filings, as Making Tax Digital for Income Tax rules come into force in just four weeks.
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Sage and Satago expand partnership to unlock invoice finance and cashflow tools for SMBs with embedded accounting

Embedding Sage’s accounting technology into Satago’s cashflow management platform will give lenders greater confidence in their decisions and help sole traders and micro businesses access funding, manage cashflow and reduce late payment pressure.
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Tide helps more SMEs simplify accounting with ‘first-of-its-kind’ upgrade

The leading digital business financial platform, has today launched its improved Tide Accounting tool, powered by Sage, to help more small businesses meet their accounting needs directly from one place - their bank account.
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How does Sage Embedded Services drive platform growth?

Unlock increased revenue per customer and higher retention rates by embedding services natively in your platform.

Increase customer acquisition

Win more customers by enabling SMBs to do more within your platform.

Boost customer retention

Increase engagement and reduce churn by delivering capabilities to your customers at point of need.

Drive monetisation

Create new revenue streams through embedded features that drive upsell and cross-sell. 

Accelerate time to market

Avoid building complex accounting and payroll from scratch and launch faster with trusted Sage technology, modular APIs and compliance infrastructure.

FAQs about Sage Embedded Services

Sage Embedded Services is a suite of API‑based capabilities that platforms can embed directly into their own products to offer accounting, tax filing, payroll, expense management, and carbon accounting services within their existing user experience.

With Sage Embedded Services, platforms embed trusted financial and compliance functionality into the tools SMBs already use to run their businesses—without redirecting users to separate software or third‑party experiences.

Yes. Sage Embedded Services supports Making Tax Digital (MTD) for Income Tax. From April 2026, HMRC requires individuals with income over £50,000 to use MTD-compatible software — dropping to £30,000 from April 2027. With Embedded Accounting, your platform becomes MTD-ready and your customers can file directly to HMRC without ever leaving your platform.

Sage Embedded Services is designed for banks, fintech, vertical SaaS platforms, HR and workforce management platforms, and spend management platforms — any organisation building digital products for self-employed individuals or small businesses. 

Sage Embedded Services is a modular API suite. Current modules include: accounting (invoicing, general ledger, financial reports, banking feeds), payroll (PAYE, RTI filing, pension deductions, payslips), tax filing (MTD-compatible, direct HMRC submission), expense management, and carbon accounting. Modules can be implemented individually or combined — there is no requirement to take the full suite. 

Yes. Sage Embedded Services is fully modular — you can start with a single capability, such as invoicing or payroll, and add further modules as your platform scales across new markets or use cases. There is no requirement to implement the full suite from day one. 

Want to know more about Sage Embedded Services?

Our team of experts is ready to answer your questions and discuss options to enhance your platform with Sage Embedded Services.
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