Sage Scales Embedded Services to North America and Europe to Help Platform Partners Serve SMBs Better

Sage, the leader in accounting, financial, HR and payroll technology for small and mid-sized businesses (SMBs), today announced the global expansion of Sage Embedded Services.  

Initially launched in the UK, Embedded Services is now available across North America and Europe enabling banks, fintechs, and software platforms to seamlessly build accounting capabilities directly into their products. This allows their small businesses and sole traders customers to save time, stay compliant, and make smarter business decisions. At the same time, it empowers platform partners to deliver branded accounting and related capabilities without the complexity or cost of developing their own solutions from scratch. 

Embedded Services aims to equip platform partners with capabilities that deepen customer engagement, drive loyalty, and unlock sustainable growth through enhanced user experiences. 

The expansion responds to a growing demand from small businesses for simplified business management capabilities embedded directly into their ecosystem within the applications they already use in daily operations.  It enables access to key financial tools, like bookkeeping, reporting, and compliance, without switching platforms or disrupting existing workflows. 

“Today’s small businesses are demanding seamless, all-in-one solutions that streamline daily operations and manage money in real time within their natural digital habitat,” said Gordon Stuart, SVP Operations, Fintech & Embedded Services at Sage. “By expanding Embedded Services across multiple regions, Sage is meeting the needs of banks and platforms looking to deliver accounting capabilities at the heart of the apps small businesses use every day.” 

Why it matters for platform partners  

Embedded Services offers banks, fintechs, and software providers a powerful way to differentiate their offerings by embedding accounting and compliance tools directly into their own products. This enables partners to meet more of their customers’ day-to-day financial needs while delivering a unified, seamless experience. 

For platform partners, this is a chance to: 

• Accelerate time to market with Sage’s headless APIs, reducing development time and lowering technical barriers to build and maintain. 

• Deliver tailored solutions with modular accounting capabilities, matching their specific customer needs. 

• Boost customer engagement by making their apps more useful, sticky, and central to daily workflows  

• Unlock new revenue streams through monetizable, value-added features 

Built for small businesses and the platform partner ecosystem 

Embedded Services is designed specifically for organisations that build digital products used by self-employed individuals and small businesses such as online banks, fintech providers, and industry specific software companies. The service is modular, allowing platform partners to directly embed: 

• Multi-dimensional general ledger 

• Real-time financial reporting 

• Customisable insights and analytics 

Depending on the region, additional functionality such as carbon accounting, collaboration with accountants and more may be available.  All features are modular and white-labelled, letting partners control how they’re branded and delivered, while benefiting from Sage’s proven expertise.