Guide for integrating accounting software for fintechs in France in 2025

France is one of Europe’s most flourishing yet complex markets for fintech expansion.

Between its unique accounting ecosystem, upcoming e-invoicing regulations, and fragmented software landscape, picking the right integrations can make or break your go-to-market.

In this guide, we’ll share key findings from the 2025 State of European Accounting Tech and show how a Unified API can help you scale faster.

Why France’s accounting landscape is different

Our research shows France’s accounting software market is highly fragmented—over 20 significant tools in active use, each with different data structures, integration methods, and user bases.

Key factors driving this complexity:

• Dual workflow structure – 48% of SMEs outsource accounting to experts-comptables; mid-sized firms tend to manage it in-house.
• Mix of old and new – Legacy ERPs like Sage 100 run alongside API-first platforms like Pennylane.
• Regulatory push – France’s mandatory e-invoicing rollout begins in 2026 (large/mid-sized firms) and 2027 (SMEs), triggering rapid software adoption.

The main accounting software in france

Here’s a closer look at the key platforms fintechs should consider integrating with:

Sage

You’ll hear Sage’s name everywhere in France—especially Sage 100, their best-selling SME product.

However, be careful: Sage’s product offering in France is fragmented. Sage 100, Sage 50, Sage Générations Experts, and others are independent from each other, requiring separate integrations.

👉 See our dedicated article: Understanding Sage’s Software Offering in France

Cegid

Alongside Sage, Cegid is one of the two historic leaders in France.

Their range covers both SMEs and accountants, with products like Cegid Loop (ERP) for SMEs and Cegid Quadra, one of the most popular tools for experts-comptables.

Like Sage, each Cegid product is a separate integration—critical to plan for if you want full market coverage.

Pennylane

Created in 2020, Pennylane has quickly become the fastest-growing accounting software in France, claiming 300,000 companies on its platform.

It offers SMEs a single interface to manage all financial operations, and integrates directly with a platform for accountants—making it extremely powerful in bridging SME–accountant workflows.

👉 See our dedicated article: How to integrate Pennylane’s API

MyUnisoft

Originally built by accountants, for accountants, MyUnisoft is now evolving into an all-in-one financial management tool for SMEs.

It remains particularly popular with experts-comptables and is considered a rising player in France’s accounting tech landscape.

Inqom

A modern, accountant-focused software owned by the Visma group.

Inqom claims to support more than 100,000 companies via their accountants, offering automation and a streamlined user experience for professionals.

ACD

One of France’s long-standing accounting tools, ACD has maintained a solid market share among accountants for decades.

It remains widely used and requires integration for full coverage of the accountant-led market.

Microsoft Business Central

While Microsoft BC is global rather than French-specific, it tops our adoption chart for France.

We won’t detail it here, but it’s important to include if your fintech targets larger SMEs or mid-market companies.

💡 Other notable players:

While this guide focuses on the main platforms for market entry, several other solutions such as Fulll, Tiime, EBP, and Agiris still hold a very relevant share of the French market. Depending on your target audience, integrating with these tools can help expand your coverage and unlock additional customer segments.

📊 Full data and market share insights are available in our White Paper – download it here for a deeper dive into all major European markets.

Integration strategy for fintechs entering France

Integrating with the French ecosystem is hard—and your approach depends on who you’re selling to.

• If you’re targeting small and medium enterprises:
• Many will work with experts-comptables, meaning you’ll need to integrate with accountant-focused tools like Pennylane, MyUnisoft, Inqom, ACD, or Cegid Quadra.
• Others will run their own ERP systems, such as Sage 100 or Odoo.
• If you’re targeting larger companies:
• They are more likely to have in-house accounting teams using ERPs like Microsoft Business Central or Netsuite.
• Don’t skip legacy:
• On-premise connectors remain a major competitive advantage. Many French companies still rely on older systems, and being able to integrate with them opens market opportunities your competitors may miss.

How Chift simplifies France for you

Without a strategy, integrating all these tools could take years.

With Chift’s Unified Accounting API, you integrate once and unlock:

• Connections to all major French platforms (ERP, cloud-native, accountant tools, and legacy systems).
• 1-click activation for your users.
• Real-time, secure data flows without sync headaches.
• Coverage of on-premise tools that most providers can’t touch.

📥 Want the full picture?

Our 2025 European Accounting Technology Market White Paper includes adoption data, API maturity, and integration complexity for France, Spain, and The Netherlands.

Download your copy here and let’s talk about your fintech’s European expansion.