“Can a legacy Dutch accountant-and-SMB bookkeeping suite stay the default back-office under the Visma umbrella as banking data and payroll converge via PSD2?”
Cash is a Dutch accounting and payroll software suite for accountants and SMBs, headquartered in The Hague and now operating as Visma Cash B.V. inside the Visma Group. Its core product is an integrated bookkeeping + salary administration platform (Cash voor accountants, Cash voor ondernemers, Cash Payroll & HR), extended with bank connectivity via a PSD2 koppeling covering ~1,500 EU banks.
Cash connects to bank accounts through PSD2 bankkoppeling (~1,500 EU banks, provider not disclosed).
The Embedded Finance Index 2026 maps 2 layers in Cash's stack: Lending (Microloon (payroll advance product referenced on cash.nl navigation and in the Reglement Meldplicht Datalekken, which cites www.microloon.nl alongside www.cash.nl)); Open banking (PSD2 bankkoppeling (~1,500 EU banks, provider not disclosed)).
Cash is headquartered in Alexanderstraat 3, 2514 JL Den Haag, Netherlands.
Get a read on where your own stack stands against Cash and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.