“Can a Visma-owned, Austria-specific cloud accounting tool out-localise the German/EU incumbents (sevDesk, Lexware) by nailing Austrian tax law, UVA filings, and bank connectivity for EPUs and SMBs?”
ProSaldo originated in 2000 as a desktop accounting software line inside the Austrian Haude publishing group. In 2018 it was spun out as an independent cloud-native company (ProSaldo.net GmbH) focused on online bookkeeping and invoicing for Austrian sole traders, SMBs and founders. In 2021 it was acquired by Visma, one of the top-5 European software groups and a leading consolidator of cloud accounting/ERP tools for SMBs across Europe, making ProSaldo.net its Austria-market cloud bookkeeping brand.
ProSaldo.net discloses qonto as its banking provider, according to the Embedded Finance Index 2026.
ProSaldo.net does not disclose a bank charter of its own; its banking services are provided through qonto.
ProSaldo.net connects to bank accounts through finAPI.
The Embedded Finance Index 2026 maps 2 layers in ProSaldo.net's stack: Banking / BaaS (qonto); Open banking (finAPI).
ProSaldo.net was founded by Rainer Haude and is founded in 2018, headquartered in Vienna, Austria.
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