Sage Partners Mastercard, Adyen on SME Finance
Sage will build integrated financial services for small businesses across European markets, starting with a launch in France.
Updated on Nov. 10, 2026 in Financial Services
Live Poll
Would you want your bank account and accounting software combined in one app?
Sage announced partnerships with Mastercard and Adyen at Sage Future for Partners in Amsterdam to develop integrated financial services for small businesses. The first implementation is planned for Sage 50, Sage 100 and Sage Active in France.
Why it matters
Small businesses often juggle separate systems for accounting, payments, spending and reconciliation, adding administrative work and duplicate effort. Sage aims to reduce the need to move between tools and reconcile transactions separately.
Mastercard research found European SMEs use five digital business tools on average, and 70% say integrated tools are critical to their business. Oliver Wyman research found 64% of SMBs surveyed in France, Germany and the Netherlands planned to use new embedded finance products through their software provider within 12 months, though how these figures translate to the Sage service remains to be seen.
The players
Sage
Sage is a British multinational software company known for accounting and business management products used by small and medium-sized businesses.
Mastercard
Mastercard is a global payments technology company that operates one of the world's major card networks.
Adyen
Adyen is a Dutch financial technology company that provides payment processing and banking infrastructure for businesses.
The details
The service brings business account, debit card, payment and reconciliation capabilities into Sage software, and banking activity updates accounting books automatically as money moves. Mastercard will serve as card network partner supporting debit card capabilities, while Adyen will provide Banking-as-a-Service infrastructure and onboarding. The service is designed to complement existing banking relationships rather than replace them.
Timeline
November 10, 2026: Sage announces Mastercard and Adyen partnerships at Sage Future for Partners in Amsterdam.
Within the following 12 months: SMBs surveyed planned to adopt new embedded finance products through their software providers.
First implementation: planned for Sage 50, Sage 100 and Sage Active in France, with no launch date specified in the source.
Market Landscape
The Oliver Wyman survey found 53% of SMBs in France, Germany and the Netherlands prefer accounting and ERP software as the channel for embedded finance products. Sage's plan to bundle banking, cards and payments into its own accounting software builds directly on that preference.
For small businesses already using Sage 50, Sage 100 or Sage Active in France, the service aims to cut the need to switch between banking, payment and accounting tools. The source does not indicate pricing or when the service will be available to customers.
The takeaway
Business owners who rely on accounting software may increasingly find banking and payment tools built directly into their existing systems. Reviewing how current software connects to bank accounts can reveal where manual reconciliation work might be reduced.
Further reading
Explore more Financial Services coverage for context on how banks, card networks and software firms are reshaping business payments.
Live Poll
Would you want your bank account and accounting software combined in one app?
