PaddleFinance & invoicingFree plan: Merchant of Record model: 5% + $0.50 per transaction covering payment processing, global sales tax/EU VAT remittance, and fraud protection with zero monthly subscription fee
Made in FrancePennylane pricing in Europe (November 2026): plans & deals
Paid plans from €14 a month.
G24.6 / 5 · 210 reviews · 0.8% five-starPRICING AT A GLANCE Official price
Plans from €14 a month
See Pennylane plans- No code needed
- Official vendor checkout
Paid plans from€14 a month
Data stored inFrance & European Union (AWS Paris eu-west-3 and Frankfurt eu-central-1)
Data protectionGDPR Article 28 DPA, ISO 27001 certified, ACPR registered payment institution agent
CompanyParis, Île-de-France, France (Pennylane SAS)
Pennylane plans and prices
| Plan | Monthly (EUR) | Yearly billing, per month (EUR) | Includes |
|---|---|---|---|
| Basic | €14 | — | Unlimited compliant invoices, Factur-X support, customer payment tracking, mobile app |
| Standard | €29 | — | Real-time multi-bank aggregation, supplier OCR, cash flow forecasting, direct accountant access |
| Premium | €49 | — | Advanced analytical accounting, multi-entity consolidation, purchase approval workflows, priority support |
| Enterprise | Contact sales | Contact sales | Custom ERP connectors, dedicated onboarding manager, enterprise SSO, custom volume pricing |
Prices as listed on Pennylane’s pricing page; VAT may be added at checkout. pennylane.com · Checked 6 Nov 2026
A look at Pennylane
What you work with in Pennylane.
Pennylane · Paddle · Stripe side by side
Figures from each vendor’s own pricing and privacy pages.
| Pennylane | Paddle |  Stripe | |
|---|---|---|---|
| Free plan | — | Merchant of Record model: 5% + $0.50 per transaction covering payment processing, global sales tax/EU VAT remittance, and fraud protection with zero monthly subscription fee | No setup fee and no monthly subscription: transparent pay-as-you-go per transaction (1.5% + €0.25 for standard European cards, €0.29 for iDEAL, €0.35 for SEPA) |
| Paid plans from | €14 a month | US$499 a month | €299 a month |
| Data stored in | France & European Union (AWS Paris eu-west-3 and Frankfurt eu-central-1) | Cloud infrastructure hosted in AWS Europe (Ireland) and AWS UK data centers with strict data isolation | Multi-region AWS cloud infrastructure with European customer and transaction data hosted in Dublin (Ireland) and Frankfurt (Germany) |
| Origin | France | United Kingdom | IE |
Checked 6 Nov 2026. Prices as each vendor lists them.
Is Pennylane worth it?
Strengths & best fit
Best for: French and European SMEs, startups, and accountants seeking an all-in-one financial operating system that unifies invoicing, banking synchronization, cash flow management, and Factur-X e-invoicing.
Good to know
Pennylane is a French financial technology platform headquartered in Paris (Pennylane SAS). It bridges the gap between SME business owners and chartered accountants by offering shared real-time access to general ledgers, live bank feeds (via PSD2 Open Banking), and compliant e-invoicing ahead of the European electronic invoicing mandate.
Pennylane alternatives and their deals
Watch a Pennylane walkthrough
Questions
How much does Pennylane cost?▼
Standard costs €29 a month. Prices as the vendor lists them.
Is there a Pennylane discount code?▼
No discount is confirmed today. New offers appear at the top of this page when we confirm them.
How does Pennylane prepare businesses for the European and French electronic invoicing mandate?▼
Pennylane is certified as a Candidate Partner Dematerialization Platform (PDP in France). It natively generates and validates invoices in hybrid Factur-X (XML + PDF) and UBL formats, ensuring full tax authority reporting and automated routing to public platforms.
Where are Pennylane customer financial records and banking data hosted?▼
Pennylane operates primary compute and banking synchronization on AWS data centers located in Paris (eu-west-3) and Frankfurt (eu-central-1). It maintains ISO 27001 certification, ACPR banking agent registration, and full compliance with GDPR Article 28 data sovereignty guidelines.
What does Pennylane say about data protection for EU customers?▼
GDPR Article 28 DPA, ISO 27001 certified, ACPR registered payment institution agent (pennylane.com, Checked 6 Nov 2026).
Where does Pennylane store customer data?▼
According to pennylane.com: France & European Union (AWS Paris eu-west-3 and Frankfurt eu-central-1). Checked 6 Nov 2026.
Price history: Basic €14, Standard €29, Premium €49
Start free, upgrade when you need it
Paid plans from €14 a month.
- No code needed
- Official vendor checkout