search icon

Sage Embedded Accounting for platforms

Embed accounting and tax filing inside your platform

Give your small business customers trusted accounting and tax filing capabilities directly inside your platform with Sage embedded accounting APIs. Accelerate your time to market and grow customer value faster without the cost and complexity of building from scratch.
  • Trusted by banks and fintechs
  • FTSE 100 listed
  • 2 million SMB customers
  • Network of 80k+ accountants

Why choose Sage Embedded Accounting for your platform?

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.

Embedded Accounting and Tax Compliance

Start with a scalable accounting foundation that lets you add capabilities as you grow and keeps customers engaged within your platform.
Talk to an expert
Embed powerful multi-dimensional general ledger capabilities that comply with accounting regulations and deliver trusted financial data and insights. Give customers access to key financial reports, including Profit & Loss and Balance Sheet.
Enable your customers to connect and collaborate with an accountant when they need trusted expertise and advice with the Sage Accountant network.
Enable customers to create and file tax returns directly to HMRC without leaving your platform.
Add the ability to create professional sales invoices, track payments, and access customer reports. Embed electronic invoicing into your platform to help customers meet the forthcoming UK e-invoicing mandate.
Harness Sage technology and AI to automatically match transactions and apply the right accounting category, all within your platform.
Use AI to turn receipts and invoices into structured data automatically, cutting manual entry and simplifying your customers’ accounting.
Drive differentiation with carbon footprint calculations powered by automated use of accounting data and a GHG Protocol-aligned methodology.

How does Sage Embedded Services drive platform growth?

Unlock increased revenue per customer and higher retention rates by embedding services natively in your platform. 76% of platform decision makers saw revenue per customer rise after partnering on an embedded service. 73% of platform decision makers saw platform usage increase after partnering on an embedded service.*

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.

Making Tax Digital (MTD) 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.

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.

FAQs about Embedded Services for accounting

Sage Embedded Accounting is a headless, modular API suite that enables banks, fintechs, and SaaS platforms to embed invoicing, general ledger, tax filing, financial reporting, and banking feeds directly into their own products — under their own brand, without building the infrastructure from scratch. 

Sage Embedded Accounting is designed for banks, neobanks, fintech providers, vertical SaaS platforms, HR and workforce tech providers, and spend management platforms — any organisation building digital products for self-employed individuals or small businesses that need embedded financial tools. 

Yes. Sage Embedded Accounting is MTD-compliant. From April 2026, HMRC requires individuals with income over £50,000 to use MTD-compatible software — dropping to £30,000 from April 2027. Sage Embedded Accounting gives your platform direct connections to HMRC for quarterly submissions and year-end tax filing, with no separate accreditation required. 

Organisations building digital products for small businesses use Sage Embedded Accounting to deliver accounting capabilities within their own platform. From banks and fintechs to vertical SaaS, HR technology, and spend management providers, Sage Embedded Accounting enables businesses to embed invoicing, financial reporting, tax filing, and general ledger functionality under their own brand, without the cost and complexity of building and maintaining it themselves.

Sage Embedded Accounting is a modular suite. Current modules include: general ledger (multi-dimensional, country-compliant), invoicing and e-invoicing, financial reporting and insights, tax filing (MTD-compliant, direct HMRC submission), and banking feeds. Modules can be embedded individually or combined — there is no requirement to implement the full suite from day one. 

Sage Embedded Accounting's headless APIs are designed to reduce development time significantly — platforms can go from integration to launch in weeks rather than the 12–24 months typically required to build accounting infrastructure from scratch.

Want to know more about Embedded Accounting?

Our team of experts is ready to answer your questions and discuss options to enhance your platform with Sage Embedded Accounting.
Talk to an expert

Visit our developer portal

Explore our APIs and documentation and get started with our developer tools.
Visit our developer portal