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Accounting & Finance · head to head

Adyen vs Pennylane

Adyen logo

Adyen

Accounting & Finance

The payments platform built for growth

From
$29/month
Rated
-
Full reviewWebsite
Pennylane logo

Pennylane

Accounting & Finance

French tool combining business finances, accounting and a pro account in one platform

From
On request
Rated
-
Full reviewWebsite

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

Where they differ

Only the attributes on which Adyen and Pennylane actually diverge.

Attributes where Adyen and Pennylane differ
AttributeAdyenPennylane
Starting price$29/monthOn request
Pricing modelusage-basedquote
PlatformsWeb, Api, PosWeb
Founded2006Unknown

Identical on both: free tier (No), user rating (Not yet rated), category (Accounting & Finance).

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

No use cases recorded yet. See the Pennylane review.

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

$29/month
  • CustomFree
    • Payment processing
    • Risk management
    • Unified commerce

Pennylane

On request

No 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.
Adyen review

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.

Pennylane review

Questions people ask

Is Adyen or Pennylane better?
Neither clearly leads. Adyen starts at $29/month 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 $29/month 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.
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