Accounting · head to head
Adyen vs Pennylane
Adyen
Accounting
The payments platform built for growth
- From
- $0.13/per-transaction
- Rated
- -
Pennylane
Accounting
French tool combining business finances, accounting and a pro account in one platform
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Adyen there is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic; Pennylane no pricing is displayed on the homepage or linked pricing page; visitors are directed only to a Demarrer maintenant (Start now) signup flow with no published EUR figure
- Prices and features above were last checked on 30 August 2026.
Where they differ
Only the attributes on which Adyen and Pennylane actually diverge.
Identical on both: free tier (No), user rating (Not yet rated), category (Accounting).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Adyen
- Payment processing
- Risk management
- Unified commerce
- Issuing
- Platform payments
- SAP
- Salesforce
- Oracle
Only in Pennylane
Nothing recorded that Adyen does not also cover.
What people use each for
The jobs each tool is most often brought in to do.
Adyen
- Card acquiring with interchange plus pricing for larger merchantsnot Pennylane
- Accepting local payment methods across multiple countriesnot Pennylane
- Settling in several currencies through linked bank accountsnot Pennylane
- Unified online and in-person paymentsnot Pennylane
Pennylane
- Automated invoicing with payment reminders and collectionsnot Adyen
- Real-time cash flow visibility and financial forecastingnot Adyen
- Employee expense management with card controls and workflowsnot Adyen
- Automated supplier invoice payment processingnot Adyen
- Mandatory e-invoicing compliance (France September 2026)not Adyen
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Adyen
- There is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic
- Published fees are indicative rather than a rate card, with real pricing negotiated
- Interchange++ means the card cost varies per transaction rather than being a single predictable percentage
- Alternative payment methods carry their own rates on top, such as 3.3 percent plus $0.10 for American Express in North America
Pennylane
- No pricing is displayed on the homepage or linked pricing page; visitors are directed only to a Demarrer maintenant (Start now) signup flow with no published EUR figure
- The product bundles accounting, invoicing and a business bank account together, so buyers cannot subscribe to only one function
Pricing, plan by plan
Adyen
$0.13/per-transaction- Transaction-Based Pricing$undefined/mo
- Fixed $0.13 USD per transaction
- Variable fee determined by payment method
- No setup fees
Pennylane
On requestNo published plan breakdown. See the Pennylane review.
Which should you pick?
Choose Adyen if
- You need payment processing.
- You work on Web, Api, Pos.
- You also want risk management.
Choose Pennylane if
Nothing in the data separates Pennylane from Adyen on the points above - pick on price and on how each one feels to use.
Questions people ask
- Is Adyen or Pennylane better?
- Neither clearly leads. Adyen starts at $0.13/per-transaction and Pennylane at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Adyen or Pennylane?
- Adyen starts at $0.13/per-transaction and Pennylane at On request.
- Does Adyen or Pennylane run on more platforms?
- Adyen runs on Web, Api, Pos. Pennylane runs on Web.
- What is Adyen best used for?
- Adyen is most often used for card acquiring with interchange plus pricing for larger merchants, accepting local payment methods across multiple countries, settling in several currencies through linked bank accounts, unified online and in-person payments. Of those, card acquiring with interchange plus pricing for larger merchants and accepting local payment methods across multiple countries are not what Pennylane is typically brought in for.
- What can Adyen do that Pennylane cannot?
- Adyen covers Payment processing, Risk management, Unified commerce, Issuing.
Answered from the vendors’ own pages
Adyen: How much does Adyen charge per transaction?
Adyen charges a fixed $0.13 USD per transaction plus a variable fee based on the payment method used. Credit cards typically cost $0.13 + 0.60% + interchange, while digital wallets and BNPL options cost between $0.13 + 0.99% to $0.13 + 4.99%+, depending on the specific method and region.
SourcePennylane: What financial processes does Pennylane help automate?
Pennylane streamlines multiple financial functions including invoice creation, expense management, payment collection, and receipt documentation. The platform centralizes data from facturation, purchasing, treasury, and accounting in one unified system.
SourceAdyen: Does Adyen have monthly subscription or setup fees?
No, Adyen has no setup fees or monthly recurring charges. You pay only for each transaction processed. The transaction fee structure remains the same regardless of transaction volume or business size.
SourcePennylane: Can Pennylane help with corporate spending control?
Yes. Pennylane provides corporate cards for employees with built-in spending controls and authorization workflows, allowing businesses to manage team expenses while maintaining visibility and approval requirements.
SourceAdyen: What's Adyen's Interchange++ pricing option?
Adyen offers an Interchange++ transparent pricing model that passes interchange and scheme fees directly to merchants instead of bundling them into a percentage rate. This allows visibility into exact costs for each payment method.
SourcePennylane: Does Pennylane provide real-time financial visibility?
Yes. Pennylane's unified dashboard provides live transaction visibility and real-time cash flow monitoring across the entire business, helping teams access financial data instantly.
SourceAdyen: Can I process payments in multiple currencies with Adyen?
Yes, Adyen supports 100+ payment methods across multiple currencies. You can link multiple bank accounts in different currencies to avoid currency conversion fees on international transactions.
SourceRelated pages
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