QuickBooks is the accounting integration fintechs name most often. In the Embedded Finance Index (EFI, which Apideck publishes), 808 companies disclose a QuickBooks connection, ahead of Xero at 496 and NetSuite at 327. If your roadmap follows that order, it works in the US. Outside the US it starts to break down: Xero leads in the UK and APAC, DATEV is fourth in the EU, and MYOB and Tally make the APAC top five. Across all regions, the five most-named ledgers account for 34.5% of the 5,550 accounting relationships EFI tracks across 6,597 companies (snapshot of 5 November 2026). The other 65.5% is spread over 383 more providers.
That count shows what fintechs integrate. What their customers run comes from the ledger vendors' own user numbers, and in Europe the two pictures disagree.
Map one: what fintechs integrate
EFI counts a relationship when a company names an accounting provider on its own public pages, such as integration pages or press releases, or when the provider publicly lists that company as a customer. The right-hand column is our own calculation: the share of all fintechs headquartered in the region that name its top ledger.
| Region | Most-named accounting integrations (companies) | Fintechs in the region naming the top ledger |
|---|---|---|
| US | QuickBooks 526, Xero 208, NetSuite 198, Sage Intacct 109 | 21% |
| Canada | QuickBooks 57, Xero 34, NetSuite 18 | 28% |
| UK | Xero 104, QuickBooks 81, Sage 37, NetSuite 25, FreeAgent 13 | 16% |
| EU | QuickBooks 60, Xero 60, NetSuite 48, DATEV 37, Sage 28 | 5% |
| APAC | Xero 59, QuickBooks 39, NetSuite 20, MYOB 13, Tally 10 | 11% |
| MENA | Xero 11, QuickBooks 9, Zoho Books 6, Shopify 5, Wafeq 4 | 5% |
| Africa | Xero 10, QuickBooks 7, Sage 5, Shopify 5 | 2% |
| LATAM | Shopify 8, SAP 6, Oracle 4, a generic REST API 3, Conta Azul 3 | 1% |
These are disclosures, grouped by where the fintech is headquartered, so a US processor serving UK merchants counts as US. Read them as a measure of what fintechs publish rather than market share.
A single ledger is named by one fintech in five in the US, while the EU's top ledger reaches one in twenty. EFI can't tell whether that gap comes from fragmentation or from European fintechs publishing less about their integrations, which is why the second map matters. LATAM and Africa have counts too small to plan from.
Map two: what businesses run
Ledger vendors publish their own user numbers. They count different things (Xero counts customers, Fatture in Cloud counts VAT numbers), so they don't compare cleanly with each other, but they show where the businesses are.
| Ledger | Home market | What the vendor reports |
|---|---|---|
| Xero | Australia and NZ, UK, US | 4.92 million customers, 2.8 million of them in Australia and New Zealand (FY26, to March 2026) |
| TeamSystem | Italy | 3.1 million customers across the group |
| Tally | India | "Nearly 2.7 million businesses" worldwide |
| DATEV | Germany | About 1.01 million customers in mid-2026, and more than 1.8 million companies exchange receipts with their tax advisers through DATEV's cloud |
| Pennylane | France, Germany | About 800,000 companies (Pennylane, January 2026) and 6,500+ accounting firms |
| Fortnox | Sweden | More than 700,000 companies |
| Exact | Netherlands, Belgium, Germany | More than 675,000 companies, across all Exact products |
| Fatture in Cloud | Italy | 600,000+ VAT numbers (a TeamSystem product) |
| e-conomic | Denmark | About 270,000 customers |
| FreeAgent | UK | More than 250,000 small businesses |
| sevDesk | Germany | More than 170,000 companies |
| Tripletex | Norway | More than 160,000 businesses |
| Fiken | Norway | More than 130,000 businesses |
| wFirma | Poland | About 4,000 accounting firms serving 130,000+ businesses |
| Comarch ERP Optima | Poland | More than 70,000 Polish companies |
Intuit doesn't publish a QuickBooks Online customer count. It reports about 100 million customers across all its products, and says its segments sell "primarily in the U.S."
Side by side, the two maps disagree most in Europe. DATEV, Pennylane, Fortnox, Exact and TeamSystem each report hundreds of thousands to millions of users, yet only DATEV makes EFI's EU top five, which ends at Sage with 28 companies. Several of the ledgers with the most European users are ones fintechs rarely mention. For a provider entering Europe, that gap means more integration work, and a chance to reach customers who likely have fewer integrated options.
What to sync, by company type
Payments providers
A payments provider's job in the ledger is to mark invoices paid, record payouts and fees, and, if it lends, read the financial statements. The ledgers differ on all of it.
Some ledgers can't take a payment the way Xero or QuickBooks do. A FreeAgent payment settles exactly one invoice or credit note, so a payout covering twelve invoices goes in as twelve payments. Xero rejects payments that involve three currencies. Wafeq won't attach a payment to a draft invoice, and the bank account's currency has to match the payment's. DATEV Unternehmen Online is built for exchanging documents with the tax adviser, so through Apideck it takes bills and documents as uploads and doesn't take payments.
For lending, the statements you can read depend on the ledger. Balance sheets and profit and loss come back from QuickBooks, Xero, NetSuite, Sage Intacct, Sage Business Cloud Accounting, FreeAgent, Exact Online, Zoho Books and DATEV Unternehmen Online, though DATEV only has monthly figures. Aged receivables come from fewer: QuickBooks, Xero, Sage Intacct and Zoho Books.
Ledger vendors are also moving into payments. Xero bought Melio and describes the result as uniting "accounting and payments on one platform" in the US. In some markets, expect your ledger partner to compete with you for the same payment.
Banks and business-account providers
For a bank, the ledger connection that matters most is the bank feed: account transactions arriving in the ledger's reconciliation screen. Ten ledgers take native feeds through Apideck, and another 23 take the same transactions as journal entries. The routes, including QuickBooks through Intuit and the FDX standard, are in our bank feeds article.
The UK shows how close banks and ledgers can get. FreeAgent belongs to NatWest Group, and anyone with a NatWest, Royal Bank of Scotland, Ulster Bank or Mettle business current account gets it free. Demand at the small end is rising there too. Since 6 April 2026, Making Tax Digital for Income Tax has required sole traders and landlords with income over £50,000 to keep digital records and send quarterly updates from compatible software, and the threshold falls to £30,000 in 2027 and £20,000 in 2028. Xero credits part of its 14% UK customer growth in FY26 to early Making Tax Digital demand.
Spend and AP platforms
Spend platforms write the widest range of data: bills, expenses, receipts, supplier records and bill payments. The spend market is as regional as the ledgers. Brex leads the US in EFI's spend and AP category with 37 companies, followed by BILL (27) and Ramp (18). Pliant leads the EU with 15, ahead of Pleo's 10, and Soldo leads the UK with 6.
The write rules vary more here than anywhere. Xero creates expenses as approved bank transactions with no draft state, so drafts have to go in as bills. FreeAgent holds one attachment per bill or expense, up to 5MB, and a new upload replaces the old one. DATEV Unternehmen Online takes bills and receipts as uploads for the tax adviser to book.
The European spend platforms show what full coverage looks like. Payhawk's integrations page lists 34 ERP and accounting integrations, including DATEV, Exact Online, Holded, A3 and BMD, and handles some, such as Cegid and Sage 50, as file exports. Spendesk lists DATEV, Pennylane, ACD and Exact Online next to QuickBooks, Xero and NetSuite, and marks its QuickBooks integration as US-only. Any bank or payments provider adding cards or bill pay in Europe will be compared with lists like these. Their pattern is worth copying: native syncs for the main local ledgers, file exports for the long tail.
Market by market
The two maps set the order of work. For the country detail, see our guides to multi-country accounting integration and accounting integrations for European fintechs. A few points still change the plan before you build.
In Germany, access to a business's DATEV Unternehmen Online account is granted by its tax adviser, and each connection covers one client (Mandant). In France, Pennylane reports about 800,000 companies. Since 1 September 2026, every French business has had to be able to receive e-invoices, with large and mid-size companies issuing them. Small companies start issuing on 1 September 2027.
Belgium has required structured e-invoicing for VAT-registered companies since 1 January 2026. Poland's KSeF has applied to most companies since 1 April 2026, with the smallest issuers following on 1 January 2027 and no penalties for KSeF errors before then. Spain's B2B mandate starts on 6 October 2027 for companies with turnover over €8 million. In the Nordics, each country has its own leader: Fortnox in Sweden (700,000+ companies), e-conomic in Denmark (about 270,000), Tripletex (160,000+) and Fiken (130,000+) in Norway, and Finago Procountor in Finland, which is live on Apideck.
Same ledger, different country
Some ledgers change behaviour by country or by the customer's plan, which catches teams that expand an existing integration.
| Ledger | What changes | What to plan |
|---|---|---|
| QuickBooks Online | US companies ignore line-level tax and tax-inclusive fields that Canadian, UK, Australian and Indian editions use | Test every edition you sell into |
| Xero | Since 2 March 2026, developer tiers cap connections (5 on the free Starter tier, 50 on Core) and daily calls per organisation (1,000 on Starter, 5,000 above) | Pick a tier from your customer count before launch (our breakdown) |
| Exact Online | One instance per country, each with its own registration and subscription | Register in every country you serve |
| Zoho Books | Seven data centres; the customer's own plan sets the daily API quota (1,000 calls on Free up to 10,000 on Premium) | Throttle syncs for customers on free plans |
| Sage Business Cloud Accounting | Only the Canadian, UK and Irish editions authenticate through the API | Plan another route for French, German and Spanish Sage customers |
An order of work per market
The last column is what each market's main ledgers require before your integration can serve customers, so start those steps alongside the build.
| Market | Build first | Then | What it takes to go live |
|---|---|---|---|
| US and Canada | QuickBooks Online, Xero, NetSuite | Sage Intacct, Business Central | Intuit app review for production keys. Sage Intacct needs its Marketplace Partner Program ($2,500 a year plus $0.015 per API call from August 2026) and a multi-step approval |
| UK | Xero, QuickBooks | Sage, FreeAgent | Beyond 5 customer connections, Xero requires a paid developer tier and app certification. FreeAgent and Sage are self-service |
| Germany and Austria | DATEV | Lexware, sevDesk, BMD (Austria) | DATEV interface-partner status and a technical review (€1,500 onboarding). A DATEV Marketplace listing needs a data service that at least 25 customers use |
| Netherlands and Belgium | Exact Online | Twinfield, SnelStart, Moneybird, Yuki | A paid Exact developer subscription per country (about €15 a month) and an app review |
| France | Pennylane, Sage | Cegid | Pennylane issues OAuth credentials manually through its partnerships team, with no stated turnaround |
| Spain | Holded, a3, Sage 50 (Contaplus) | No vendor publishes a current user count (Holded's last was 80,000+ businesses, in 2021), so rank them by your own customers. Holded customers create their own API key on a paid plan | |
| Italy | TeamSystem, Fatture in Cloud | Zucchetti | Check each vendor's partner program |
| Poland | Comarch ERP Optima | Symfonia, wFirma | Check each vendor's partner program |
| Nordics | Fortnox, e-conomic, Tripletex | Fiken, Finago Procountor | Fortnox reviews apps for its marketplace, requires its App Partner agreement and keeps 25% of app revenue. Visma eAccounting issues credentials through its partner programme |
| Australia and New Zealand | Xero, MYOB | QuickBooks Online | Registering an app and calling the MYOB API is free. Its paid developer program tiers (AUD 110 to 630 a month, including GST) are optional |
| India | Zoho Books, Tally | Tally runs on the customer's machine | |
| Gulf | Zoho Books, Xero | Wafeq | Wafeq customers switch on the API in their workspace |
Several ledgers in the "Then" column already connect through Apideck: Finago Procountor is live, and Lexware Office, sevDesk, Twinfield, SnelStart, Moneybird, Yuki and Fiken are in beta.
How Apideck covers the map
Apideck's Accounting API puts 55+ accounting and ERP connectors behind one API, and customers connect their ledger through Vault, Apideck's white-label connection flow. Status today:
| Status | Connectors |
|---|---|
| Live | QuickBooks, Xero, NetSuite, Sage Intacct, Sage Business Cloud Accounting, Business Central, Acumatica, FreeAgent, Exact Online, MYOB, Zoho Books, Odoo, Procountor, Visma Netvisor, banqUP |
| Beta | DATEV Unternehmen Online, Pennylane, Fortnox, Visma eAccounting, e-conomic, Holded, Wafeq, Lexware Office, sevDesk, Twinfield, SnelStart, Moneybird, Yuki, Fiken |
| In development | Tripletex, SAP Business One, Sage 50 US, Dinero |
| Upcoming | DATEV |
What each connector supports for the jobs above, as of November 2026:
| Ledger | Mark invoices paid | Create bills | Create expenses | Balance sheet and P&L |
|---|---|---|---|---|
| QuickBooks, Xero, NetSuite, Sage Intacct, Sage Business Cloud Accounting, Zoho Books | Yes | Yes | Yes | Yes |
| FreeAgent | Yes | No | Yes | Yes |
| Exact Online | Yes | Yes (not the UK edition) | No | Yes |
| Business Central | No | Yes | Yes | No |
| MYOB, Fortnox, Holded | Yes | Yes | No | No |
| DATEV Unternehmen Online | No | Upload only | No | Yes |
| Pennylane | No | No | No | No |
The coverage page has every resource and operation per connector, and each connector's docs list its quirks, so your team sees them before customers do.
Start with your own customer list, sorted by ledger and country, and compare it with both maps before you commit the next integration. Then test the ledgers at the top of that list in the API Explorer: sign up for a free Apideck account, link a connector and run real Accounting API calls from your browser. If Europe is next, send us a breakdown of your customers' accounting software by country and we'll show which of those ledgers we cover today and which are on our roadmap.
