Pennylane is a French fintech building the financial operating system for European SMEs, merging billing, payments, bank account, expense management and accounting workflows into a single interface. Launched in 2019 and now serving over 350'000 businesses via 4'500+ accounting firms, Pennylane enables seamless collaboration between entrepreneurs and their accountants—all in real time. With integrated electronic invoicing (Factur‑X compliant), advanced APIs, and tools for digital expense and cashflow management, it supports modern financial operations with automation and transparency.
Invoicing & Billing Suite: Generate quotes, pro‑formae, invoices, and auto-reminders; accept payments via Stripe, Qonto, GoCardless—with auto‑reconciliation
Expense & Purchase Management: Scan receipts and invoices using mobile app; enforce budget controls, validation workflows, and centralized vendor payments
Banking Integration & Cash Flow Dashboard: Connect bank accounts and corporate cards; view real-time cash inflows/outflows and payment statuses in one dashboard
Accounting Production & Partner Portal: Automated bookkeeping for SMEs with accountant access, pre-populated journal entries, VAT filings, and audit-ready ledgers
Factur‑X e‑Invoicing & PDP Compliance: Certified Partner Dematerialisation Platform (PDP), enabling seamless sending and receiving of electronic invoices compliant with changing regulation
API & Ecosystem Connectivity: High-performance API layer for integration with platforms like Stripe, e-commerce, HR tools (e.g. PayFit), accounting firms, and ERP systems
