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gspread is a Python API for Google Sheets. A service account is a special type of Google account intended to represent a non-human user that needs to authenticate and be authorized to access data in Google APIs [sic]. Since it’s a separate account, by default it does not have access to any spreadsheet until you share it with this account. Just like any other Google account. To access spreadsheets via Google Sheets API you need to authenticate and authorize your application.

...In a very simplified view, OpenL Tablets extracts rule tables from Excel documents and executes them. The rules can be accessible from different applications. OpenL Tablets tools check all data, syntax and type errors in order to avoid any user mistakes. OpenL Tablets WebStudio is a web interface application employed by business users and rules experts to view, edit, and manage business rules and rule projects created using OpenL Tablets technology.

Xelem is a compact Java-library to read and write Excel files of type SpreadsheetML. It can produce sophisticated, intricate and complex spreadsheets from within any Java program. And, since the release of xelem.2.0, it can read xml-spreadsheets.

The Oracle ExcelDocumentType project provides an open source Oracle PL/SQL user defined type and utilities designed to generate fully functional Microsoft Excel spreadsheets from within the database. The code generates Excel XML data.

Dopays is the better software solution to start your own PayPal, StormPay, SolarPay or e-gold type of online business. The Dopays software is a system where members can buy virtual credits to spend at in the different members' sites.