“Can a legacy Swedish SMB accounting platform become the all-in-one economic operating system for Swedish small businesses and accounting firms by embedding finance, payments, and AI into a single subscription platform?”
Founded in 1984 as Visma Spcs, the company operated for decades as one of Sweden's leading SMB accounting software providers under the Visma Group umbrella. In 2025, it rebranded to Spiris (legally Visma Spiris AB), repositioning from a traditional accounting-software vendor to a broader 'economic platform' (ekonomiplattform) for Swedish SMBs and accounting firms. The embedded finance angle has grown steadily: Spiris now embeds lending (Capcito, Froda/Visma Finance), expense management (Findity), e-commerce payment integrations (Stripe, Swish, PayPal, Nets Easy), and open banking (Open Payments) directly into the platform.
Spiris processes payments through Stripe, Swish, PayPal and Nets Easy.
Spiris's lending and capital products are provided by Capcito and Froda.
Spiris connects to bank accounts through Open Payments.
The Embedded Finance Index 2026 maps 4 layers in Spiris's stack: Payments / PSP (Stripe, Swish, PayPal and Nets Easy); Lending (Capcito, Froda, Capcito embedded lending and Froda embedded business loans (via Visma Finance partnership)); Open banking (Open Payments); Spend / AP (Findity).
Spiris is founded in 1984 and headquartered in Växjö, Sweden.
Get a read on where your own stack stands against Spiris 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.