Sage picks Adyen and Mastercard to put business accounts in its software
The service is planned first for Sage 50, Sage 100 and Sage Active customers in France, and combines a business account, debit card and payments with books that update as money moves
- Announced at Sage Future for Partners in Amsterdam
- Mastercard research cited by Sage: European SMEs use five digital business tools on average
- In the same Mastercard research, 70% said integrated tools are critical to their business
- Tickers: Sage is SGE in London, Adyen is ADYEN in Amsterdam
The service is designed to work alongside a customer’s existing bank, and Sage’s notes to editors say a business keeps its current account when it takes the service. Sage expects its approach and its providers to differ from market to market as the strategy extends across Europe.
The announcement gives no launch date, price or second country.
“This is the first implementation of our broader European Banking-as-a-Service strategy and an important step in helping customers manage more of their financial activity through Sage.”Derk Bleeker, chief commercial officer, Sage
Sage has signed Adyen and Mastercard as partners for a business account and debit card built into its accounting software, the London-listed company said on 10 November.
Adyen, the Amsterdam-listed payments company, will supply the banking-as-a-service infrastructure and handle customer onboarding in France, the first market. Mastercard is the card network for the debit card.
France launch covers three Sage products
The first version is planned for Sage 50, Sage 100 and Sage Active. Customers will be able to make payments, manage company spending on debit cards and keep banking activity connected to their accounting, according to Sage. The company said the books update automatically as money moves, giving a business a real-time view of its cash position.
Small businesses often run accounting, payments, company spending and reconciliation in separate systems, Sage said, which adds administration and duplicate effort. It plans to extend the service across the European markets where it operates.
Nicole Olbe, president for Europe, the Middle East and Africa at Adyen, said the infrastructure lets small businesses manage accounts, payments and reconciliation in one place.
Oliver Wyman finds 53% favor accounting software
Sage cited Oliver Wyman research in which 53% of small and mid-sized businesses (SMBs) surveyed in France, Germany and the Netherlands named accounting and enterprise resource planning (ERP) software as their preferred platform for embedded finance products. In the same survey, 64% planned to take new or additional embedded finance products through their software provider within 12 months.
Mark Barnett, global head of small and medium enterprises at Mastercard, said the card network sees an opportunity to take the approach to small businesses around the world, starting in Europe.
Sources
- Sage, “Sage partners with Adyen and Mastercard to deliver business accounts with debit cards for small businesses”, press release via GlobeNewswire, 10 November 2026. https://uk.finance.yahoo.com/news/sage-partners-adyen-mastercard-deliver-092400272.html
- The Paypers, “Sage partners with Adyen and Mastercard on SMB business accounts”, news article, 10 November 2026. https://thepaypers.com/fintech/news/sage-partners-with-adyen-and-mastercard-on-smb-business-accounts
