“Can a classic Czech desktop accounting vendor stay the SMB standard by absorbing every new local compliance mandate (EET, e-invoicing, open banking) before cloud-native competitors do?”
STORMWARE has been developing POHODA, a desktop-first Czech accounting/ERP suite, since 1996. The company has grown organically to 180+ employees, 6 Czech/Slovak offices and ~212,000 active POHODA licenses, and remains a classic on-premise accounting vendor with mobile (mPOHODA, mKasa) and SQL/E1 editions bolted on. Rather than building its own embedded-finance stack, POHODA plugs into the existing Czech banking and payments ecosystem via homebanking file formats, open-banking aggregation (Everifin) and payment terminal integrations.
POHODA processes payments through PayU, ThePay, GoPay and ComGate. Disclosed money-movement rails: SEPA.
POHODA connects to bank accounts through Everifin.
The Embedded Finance Index 2026 maps 3 layers in POHODA's stack: Payments / PSP (PayU, ThePay, GoPay and ComGate); Money movement (SEPA); Open banking (Everifin).
POHODA is founded in 1996 and headquartered in Jihlava, Czech Republic.
Get a read on where your own stack stands against POHODA 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.