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Sage Embedded Services

Enhance your platform with embedded accounting, tax, payroll and expense management

Our modular services, delivered through APIs, can be built seamlessly into your platform. Create a unified user experience for your small business customers and streamline financial workflows all in one place.

Trusted by leading platforms to deliver at scale for their customers.

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Power your platform with 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

Accelerate your time to market, across multiple countries, by leveraging our APIs to simplify the complexities of accounting, tax and payroll compliance.

Accountant collaboration

Harness the Sage accountant network by enabling your customers to connect and collaborate with an accountant when they need trusted expertise and advice.

Accelerate your time to market and deliver the features your customers need within your platform

Choose only the services you want from our modular API platform for embedded accounting, tax filing, payroll and expense management.

Invoicing

Add the ability to create professional sales invoices and track what’s paid and what’s outstanding.

General ledger

Embed powerful multi-dimensional general ledger capabilities that comply with country-specific accounting regulations.

Transaction categorisation

Harness Sage technology and AI to automatically match transactions and apply the right accounting category.

Receipt capture and document extraction

Use AI‑powered capture to turn receipts and invoices into structured data—cutting manual entry and simplifying your customers’ accounting.

Financial reports

Give your customers access to essential financial reports - including Profit & Loss - unlocking a complete view of their financial health and insights.

Tax filing

Enable your customers to create tax returns and file taxes directly to the relevant tax authority, without having to leave your platform.

Payroll

Embed fully compliant payroll for your SMBs using an advanced payroll calculation engine and regulatory reporting and submissions.

Expense management

Add real-time expense management with card feeds, receipt capture, and categorisation to automate the full expense workflow.

Carbon accounting

Drive differentiation with carbon footprint calculations powered by automated use of accounting data and a GHG Protocol-aligned methodology.

Making Tax Digital is here – help your customers get ready now

Build MTD compliance into your platform with trusted accounting and tax filing APIs. Help your customers keep digital records and file taxes directly to HMRC.
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Take the complexity out of tax compliance

Rely on our expertise in accounting and tax compliance to deliver the MTD capabilities your customers need.

Make unified tax easy

Accounting and tax compliance is complex and difficult to build from scratch. Simplify multiple tax schemes with a solution that manages tax filings under MTD.

Accelerate time to market for MTD

Slash your time to market for MTD. Embed capabilities rapidly within your platform for quarterly submissions and year-end tax filing.

Unlock platform growth

Increase customer acquisition

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

Boost customer retention

Deliver high value features to your customers at point of need, driving higher engagement and lower churn.

Drive monetisation

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

Accelerate time to market

Partner with Sage instead of building from scratch. Use Sage APIs, developer tools, and connections to tax authorities.

Sage is trusted by the world's most innovative banks and fintechs

One strategic partner

One global partner for your embedded technology needs - proven, reliable and FTSE 100 listed.

Unrivalled expertise

40+ years of experience in tax, accounting and payroll compliance working with legislation and tax authorities.

Trusted SMB brand

Trusted by SMBs and accountants worldwide with over 2 million customers in 26 countries.

Accountant network

Network of accountants that trust and use Sage, and support SMBs every day.

Oliver Prill

CEO, Tide

“Adding an accountancy offering to the Tide platform is a huge step towards our mission to make life easier for people who work for themselves, saving them time (and money) on their financial admin.”

Learn more about our collaboration

Want to know more about 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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Visit our developer portal

Explore our APIs and documentation and get started with our developer tools.
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Sage Embedded Services FAQs

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.

Building and maintaining accounting, tax, payroll, and sustainability capabilities in‑house is complex, costly, and resource‑intensive. Sage Embedded Services reduces this burden by providing:  

  • Proven financial workflows  
  • Built‑in compliance capabilities  
  • Scalable, production‑ready APIs

Compared to third‑party referrals or loosely integrated tools, embedded services deliver a unified customer experience, which drives higher engagement, retention, monetisation, and long‑term customer value.

Sage Embedded Services offers a fully composable, headless API suite that allows platforms to embed proven Sage technology within their own UI, brand, and commercial model.

Sage brings:

  • Deep expertise in accounting, tax, and payroll compliance
  • A trusted global brand serving millions of customers
  • Operations across 26 countries
  • A global network of accountants that support SMB compliance needs

This combination enables platforms to deliver compliant financial services at scale while maintaining full control of the customer experience.

Yes. As finance and accounting merge, fintechs and banks are expanding their platforms to help small and medium businesses manage more of their business in one place.

Embedded accounting enables these platforms to:

  • Reduce development and compliance risk
  • Shorten time to market
  • Offer higher‑value financial services within existing products

Sage Embedded Services provides the financial workflows and compliance rails required to support this change.

Platforms should look for:

  • Modular, composable APIs that can be added as needed
  • Trusted compliance capabilities in accounting, tax, and payroll
  • Proven, scalable technology
  • Access to accounting expertise that supports collaboration with end clients

Sage Embedded Services is a leading embedded services provider, supporting innovative banks, fintechs, and platforms globally.

Yes. Sage Embedded Services is built on API‑first, cloud‑native architecture designed to scale with platform growth.

Standardised integration patterns and composable services allow platforms to:

  • Start with core capabilities
  • Add new modules over time
  • Support increasing transaction volumes as customer demand grows