“Can a French-native e-invoicing PDP, backed by a regional bank (Crédit Mutuel Arkéa), become the default invoice + payment rail for French SMBs and accounting firms ahead of the e-invoicing mandate?”
SEQINO is a French e-invoicing SaaS launched in 2021 under Axe Innovation SAS, positioned to capture the French e-invoicing reform (PDP / Plateforme Agréée) opportunity targeting SMBs and accounting firms. The company was acquired by / integrated into Groupe Crédit Mutuel Arkéa, anchoring a banking-distribution channel and giving it sponsor credibility for embedded payment flows. The product now bundles e-invoicing, pre-accounting automation, supplier invoice management, and bank-account-based payments/collections, with API integrations into French accounting suites (Sage, CEGID, MyUnisoft, Inqom, ACD, Welyb, Odoo).
SEQINO processes payments through SEQINO Payments (self-operated, via Crédit Mutuel Arkéa rails).
SEQINO's lending and capital products are provided by Karmen.
SEQINO integrates with CEGID Loop, CEGID Quadra, ACD, Sage Génération Expert, Inqom, MyUnisoft, Odoo, Welyb and 2 others.
The Embedded Finance Index 2026 maps 4 layers in SEQINO's stack: Payments / PSP (SEQINO Payments (self-operated, via Crédit Mutuel Arkéa rails)); Lending (Karmen and Karmen short-term financing (1-24 months) for SEQINO invoices); Unified APIs (Chift); Accounting (CEGID Loop, CEGID Quadra, ACD, Sage Génération Expert and 6 others).
SEQINO is founded in 2021 and headquartered in Gif sur Yvette, France.
Get a read on where your own stack stands against SEQINO 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.