Spain is one of the fastest-growing fintech markets in Europe, benefitting from government policies and strong GDP growth.
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 will share the main conclusions of our white paper, State of European Accounting Tech 2025, and we will go through how a Unified API can help scale faster.
Spanish accounting landscape
Our research shows that the Spanish accounting software market, is moderately fragmented, with 11 main different software. The amount might seem lower than in other markets but it still reflects a diverse ecosystem.
Unlike other countries in Europe, Spain’s accounting profession is less regulated. Asesores fiscales typically handle only bookkeeping and tax filings, while legal tax advice is reserved for lawyers. This structure drives down accountant rates and reduces their strategic influence on software adoptions. Despite that, according to our research 64% of Spanish SMEs handling accounting in-house, which represents the highest rate surveyed.
The main accounting software in Spain
Here is the main software that fintech should consider integrating.
Long-established providers:
Sage 50 and 200
Much like in France, Sage is one of the most widely recognized accounting software providers in Spain. Their flagship products include Sage 50 (originally called Contaplus) for smaller companies and Sage 200 for marginally larger small companies.
Note that each Sage product often requires separate integrations, so planning ahead is crucial if you want to cover multiple Sage solutions.
A3 Software (Wolters Kluwer)
A3 Software, part of Wolters Kluwer, is a long-established player in the Spanish market. Their solutions cater both to SMEs and accounting firms, offering products for payroll, tax, and general accounting. Integrations usually need to be done on a product-by-product basis, especially for ERP or payroll modules.
Contasimple (cegid)
Contasimple, now under the Cegid umbrella, is a popular solution among small businesses and freelancers in Spain. It’s a straightforward, cloud-based platform that simplifies bookkeeping, invoicing, and tax compliance.
Modern challengers for more flexible and cloud-native solutions:
Anfix
Founded as a modern, cloud-native platform, Anfix is designed for SMEs and accountants seeking flexibility and real-time financial insights. Its API-first approach makes integration with fintech apps straightforward.
Quipu
Quipu specializes in invoicing and accounting automation for freelancers and small businesses. Its intuitive interface and automated document management make it a strong choice for fintechs aiming to streamline SME workflows.
Holded
Holded is a fast-growing, all-in-one business management platform in Spain, combining accounting, invoicing, CRM, and inventory management. Its cloud-native architecture and robust API ecosystem make it particularly attractive for fintech integrations.
💡 Other notable players:
While this guide focuses on the main platforms for market entry, several other solutions, such as Sage Despachos for asesores fiscales, Teamsystem (Contasol or Software Delsol), are widely adopted in the Spanish market, although they are not cited in our study.
📊 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 Spain
Integrating with the Spanish ecosystem requires a dual approach, and your strategy depends on your target segment.
If you're targeting small and medium enterprises:
- The majority (64%) handle accounting in-house, so direct integrations with business-focused tools are critical. Prioritize platforms like Sage 50, A3 Software (Wolters Kluwer), Contasimple (Cegid), and emerging cloud-native challengers like Anfix, Quipu, and Holded.
- For the 36% working with asesores fiscales, note that these advisers typically focus on bookkeeping and tax filings rather than strategic guidance, meaning integrations should emphasize automation and compliance over deep advisory workflows.
If you're targeting larger companies:
- They're more likely to use established ERP systems such as Sage 200, or other scalable platforms with in-house accounting teams.
Prepare for regulatory momentum:
- Spain's mandatory e-invoicing rollout (starting 2026) and the Veri*Factu certified software requirements create a unique window for fintechs that can demonstrate compliance-ready integrations. Being able to support Facturae XML format and real-time validation through government platforms will be a differentiator as the market adapts to these changes.
Though building partnerships with established ERP and accounting providers can be difficult due to their selective partnership models and lengthy certification processes. Chift helps fintechs overcome these barriers by easing access to trusted players through integrations.
How Chift simplifies Spain 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 many Spanish 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 Spain, France, Italy, and the Netherlands.
Download your copy here, and let’s talk about your fintech’s European expansion.
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