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Business Intelligence · head to head

Luzmo vs Paddle

Luzmo logo

Luzmo

Business Intelligence

Embedded analytics for SaaS products, billed by monthly active dashboard users

From
€995/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: Luzmo billing by monthly active users means commercial success is punished: getting every one of your customers into the dashboard weekly is exactly the outcome that pushes you into the next tier.; Paddle paddle charges 5% plus 50 cents on every checkout transaction, which is well above a bare payment processor rate
  • They diverge on capability: Luzmo covers Multi-tenant row-level security, Paddle covers Payment processing.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Luzmo and Paddle actually diverge.

Attributes where Luzmo and Paddle differ
AttributeLuzmoPaddle
Starting price€995/month$5/percent_plus_transaction
Pricing modelPer month by monthly active user counttransaction
PlatformsWebWeb, Api
CategoryBusiness IntelligenceAccounting
FoundedUnknown2012

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

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 Luzmo

  • Multi-tenant row-level security
  • Embeddable editor
  • Theming and white labelling
  • SDKs and APIs
  • Luzmo IQ
  • Scheduled exports

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.

Luzmo

  • A B2B SaaS product that needs customer-facing dashboards without hiring a front-end data visualisation teamnot Paddle
  • A vertical software vendor that wants to sell an analytics module as a paid add-onnot Paddle
  • A product where each customer must only see their own rows and the security boundary has to be provable to an auditornot Paddle
  • A team that wants end customers to build their own charts rather than filing feature requests for every new reportnot Paddle

Paddle

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

Where each one falls short

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

Luzmo

  • Billing by monthly active users means commercial success is punished: getting every one of your customers into the dashboard weekly is exactly the outcome that pushes you into the next tier.
  • The entry price of EUR 995 per month billed annually rules it out for early-stage products, so the realistic buyer already has meaningful revenue.
  • It is built for embedding rather than internal analysis, so most customers still pay for a second BI tool for their own staff, doubling the analytics line item.
  • The semantic modelling layer is lighter than a dedicated one such as dbt or Cube, so complex metric definitions often have to be pre-computed in the warehouse before Luzmo sees them.
  • As a smaller European vendor it has less connector breadth and a smaller partner ecosystem than the US incumbents, and unusual data sources frequently need an intermediate warehouse hop.

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

Luzmo

€995/month
  • Starter$995/month
    • Embedded dashboards with white labelling
    • Custom charts
    • APIs and SDKs
  • Premium$2495/month
    • Everything in Starter
    • End-customer self-service dashboard building
    • Luzmo IQ conversational insights
  • Enterprise$undefined/year
    • Dedicated VPC option
    • Flexible hosting region
    • OIDC single sign-on

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 Luzmo if

  • You need multi-tenant row-level security.
  • You also want embeddable editor.
Luzmo 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 Luzmo or Paddle better?
Neither clearly leads. Luzmo starts at €995/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, Luzmo or Paddle?
Luzmo starts at €995/month and Paddle at $5/percent_plus_transaction.
Does Luzmo or Paddle run on more platforms?
Luzmo runs on Web. Paddle runs on Web, Api.
What is Luzmo best used for?
Luzmo is most often used for a b2b saas product that needs customer-facing dashboards without hiring a front-end data visualisation team, a vertical software vendor that wants to sell an analytics module as a paid add-on, a product where each customer must only see their own rows and the security boundary has to be provable to an auditor, a team that wants end customers to build their own charts rather than filing feature requests for every new report. Of those, a b2b saas product that needs customer-facing dashboards without hiring a front-end data visualisation team and a vertical software vendor that wants to sell an analytics module as a paid add-on are not what Paddle is typically brought in for.
What can Luzmo do that Paddle cannot?
Luzmo covers Multi-tenant row-level security, Embeddable editor, Theming and white labelling, SDKs and APIs. Paddle covers Payment processing, Sales tax handling, Subscription management, Checkout.

Answered from the vendors’ own pages

Luzmo: Is Luzmo the same as Cumul.io?

Yes. Cumul.io rebranded to Luzmo; it is the same company and product line.

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
Luzmo: How is it priced?

By monthly active users of your embedded dashboards, from EUR 995 per month on Starter billed annually.

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
Luzmo: Is there a free tier?

No, only a trial. There is no perpetual free plan.

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
Luzmo: Can our customers build their own dashboards?

Yes, but the embeddable editor for end-customer self-service sits on the Premium tier.

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