“Can MYOB evolve from Australia and New Zealand's dominant SMB accounting platform into a full financial OS by embedding payments, lending, payroll, and spend management directly into its business management suite?”
Founded in 1991 as a desktop accounting software company for Australian and New Zealand SMBs, MYOB reinvented itself over the 2010s as a cloud-based business management platform. Beyond accounting, it expanded into payroll, payments, and financial services, partnering with fintechs like Stripe, Butn, and Valiant to embed financial products. The company now positions itself as a full business management OS for SMEs through sole traders to mid-market, embedding lending, invoicing payments, and AP/spend tools alongside its core accounting engine.
MYOB processes payments through Stripe.
MYOB's lending and capital products are provided by Butn.
MYOB integrates with MYOB AccountRight, MYOB Business, MYOB Acumatica and MYOB EXO Business.
The Embedded Finance Index 2026 maps 4 layers in MYOB's stack: Payments / PSP (Stripe); Lending (Butn, MYOB Loans and Finance hub, Invoice Financing powered by Butn and Lending marketplace via Valiant (80+ lenders)); Unified APIs (Apideck); Accounting (MYOB AccountRight, MYOB Business, MYOB Acumatica and MYOB EXO Business).
MYOB is founded in 1991 and headquartered in Melbourne, Australia.
MYOB has raised $2.9B in total (latest round: Debt Financing, 2025).
Get a read on where your own stack stands against MYOB 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.