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Accounting · head to head

IRIS KashFlow vs Paddle

IRIS KashFlow logo

IRIS KashFlow

Accounting

Online accounting software for UK sole traders and small businesses

From
£13.5/month
Rated
-
Full reviewWebsite
Paddle logo

Paddle

Accounting

The complete payments infrastructure for SaaS

From
$5/percent_plus_transaction
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: IRIS KashFlow advertised monthly prices of £1.35 (Starter) and £2.75 (Business) are a 90% promotional discount off the standard £13.50 and £27.50 rates, and the promotion is described as lasting 6 months before reverting; Paddle paddle charges 5% plus 50 cents on every checkout transaction, which is well above a bare payment processor rate
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which IRIS KashFlow and Paddle actually diverge.

Attributes where IRIS KashFlow and Paddle differ
AttributeIRIS KashFlowPaddle
Starting price£13.5/month$5/percent_plus_transaction
Pricing modelsubscriptiontransaction
PlatformsWebWeb, Api
FoundedUnknown2012

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 IRIS KashFlow

Nothing recorded that Paddle does not also cover.

Only in Paddle

  • Payment processing
  • Sales tax handling
  • Subscription management
  • Checkout
  • Revenue metrics
  • Stripe
  • PayPal
  • Various

What people use each for

The jobs each tool is most often brought in to do.

IRIS KashFlow

  • business accountingnot Paddle
  • invoicing and billingnot Paddle
  • VAT managementnot Paddle

Paddle

  • Selling SaaS or digital products with a merchant of record handling taxnot IRIS KashFlow
  • Global subscription billing and checkoutnot IRIS KashFlow
  • Offloading sales tax and VAT compliance for cross border salesnot IRIS KashFlow

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

IRIS KashFlow

  • Advertised monthly prices of £1.35 (Starter) and £2.75 (Business) are a 90% promotional discount off the standard £13.50 and £27.50 rates, and the promotion is described as lasting 6 months before reverting
  • Listed prices are in GBP plus VAT, and the platform's plans are built around UK VAT filing rather than other tax regimes
  • Annual pricing is quoted at RRP £162/year (Starter) and £291.50/year (Business) before the same promotional reduction

Paddle

  • Paddle charges 5% plus 50 cents on every checkout transaction, which is well above a bare payment processor rate
  • The 50 cent fixed component falls heavily on low value sales, and products under $10 require custom pricing agreed with sales
  • Invoicing is not covered by the published rate and requires custom pricing
  • As a merchant of record Paddle sits between the seller and the customer, so payouts and tax handling run through Paddle rather than the seller's own processor

Pricing, plan by plan

IRIS KashFlow

£13.5/month
  • Starter Monthly$13.5/month
    • 10 invoices
    • up to 25 bank transactions
    • single user access
  • Business Monthly$27.5/month
    • unlimited invoices
    • unlimited bank transactions
    • multi-user access
  • Starter Annual$162/year
    • 10 invoices
    • up to 25 bank transactions
    • single user access
  • Business Annual$291.5/year
    • unlimited invoices
    • unlimited bank transactions
    • multi-user access

Paddle

$5/percent_plus_transaction
  • Pay-as-you-go$5/percent_plus_transaction
    • 5% + 50¢ per checkout transaction
    • Global payments and billing unified in one platform
    • Cross-border sales tax compliance
  • Custom Pricing$null/contact
    • All pay-as-you-go features
    • Custom pricing tailored to business model
    • Optional premium services access

Which should you pick?

Choose IRIS KashFlow if

Nothing in the data separates IRIS KashFlow from Paddle on the points above - pick on price and on how each one feels to use.

IRIS KashFlow review

Choose Paddle if

  • You need payment processing.
  • You work on Web, Api.
  • You also want sales tax handling.
Paddle review

Questions people ask

Is IRIS KashFlow or Paddle better?
Neither clearly leads. IRIS KashFlow starts at £13.5/month and Paddle at $5/percent_plus_transaction, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, IRIS KashFlow or Paddle?
IRIS KashFlow starts at £13.5/month and Paddle at $5/percent_plus_transaction.
Does IRIS KashFlow or Paddle run on more platforms?
IRIS KashFlow runs on Web. Paddle runs on Web, Api.
What is IRIS KashFlow best used for?
IRIS KashFlow is most often used for business accounting, invoicing and billing, vat management. Of those, business accounting and invoicing and billing are not what Paddle is typically brought in for.
What can IRIS KashFlow do that Paddle cannot?
Paddle covers Payment processing, Sales tax handling, Subscription management, Checkout.

Answered from the vendors’ own pages

IRIS KashFlow: What are IRIS KashFlow's core features across all plans?

All IRIS KashFlow plans include unlimited quotes, online VAT submission, mobile app access, 50+ reports, bank feeds, receipt capture, multi-currency support, and payroll for up to 5 employees.

Source
Paddle: How much does Paddle charge per transaction?

Paddle charges 5% plus 50 cents per checkout transaction on their pay-as-you-go plan. Custom pricing is available for products under $10 or those requiring invoicing.

Source
IRIS KashFlow: Are there promotional discounts for new IRIS KashFlow customers?

Yes, new customers receive a 90% discount for 6 months on both Starter and Business monthly plans.

Source
Paddle: Are there hidden fees with Paddle?

No. Paddle emphasizes all-in-one pricing with no hidden costs, migration fees, or monthly fees. The stated 5% plus 50¢ rate covers payments, billing, tax compliance, fraud protection, and support.

Source
IRIS KashFlow: Can multiple users access IRIS KashFlow on the Starter plan?

No, the Starter plan is limited to single-user access only. Multi-user access requires the Business plan.

Source
Paddle: Does Paddle offer custom pricing?

Yes. Paddle offers custom pricing arrangements for businesses with specific needs. Customers can contact Paddle directly to discuss custom pricing tailored to their business model.

Source
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