Pennylane × Adyen Partnership: Ending the Black Hole Between Payments and Accounting
- Noham Layani
- 7 days ago
- 4 min read
Cashing in everywhere, understanding nowhere: the real problem of international SMEs
Selling internationally has never been easier. However, collecting payments properly remains a high-level sport.
Between card payments, wallets, currencies, acquisition costs, variable commissions and payment delays, many SMEs have one thing in common: they collect payments well… but don’t really understand what they are actually collecting .
It is precisely this “black hole” between payment and accounting that the new partnership between Pennylane and Adyen aims to address.
A strategic partnership, designed not to “add yet another connector”, but to finally reconcile complex payment flows with real-time usable accounting .
Why this partnership is strategic (and not just technical)
Adyen is today one of the world's leading payment providers for large-scale businesses: e-commerce, marketplaces, omnichannel retail, and international SaaS. Pennylane, for its part, has established itself as a central financial platform for fast-growing French and European SMEs.
The partnership is based on a simple, yet powerful idea:
If payments are global, the accounting must also be global — and above all, it must be readable.
Until now, many companies using Adyen still operated with a handcrafted approach: file exports, manual reprocessing, complex accounting reconstructions and laborious explanations of discrepancies.
With the Pennylane × Adyen partnership , this logic gives way to a structured integration, designed for management and international growth .
What Pennylane × Adyen actually allows
Without going into a “tech for tech’s sake” logic, the integration aims for three major operational benefits.
1. A clear reading of the actual revenue collected
Adyen manages multiple volumes, payment methods, and currencies. Integration with Pennylane allows these flows to be structured to clearly distinguish:
gross revenue,
payment fees (by country, by method),
the amounts actually paid out,
settlement deadlines.
As a result, the manager no longer steers based on “theoretical” amounts, but on a clear economic reality .
2. Accounting aligned with cash flow
This is a key point for SMEs operating in multiple geographic areas, where fees and processing times vary significantly from country to country. By connecting Adyen to Pennylane , payment flows are integrated into a consistent accounting framework , which facilitates:
bank reconciliation,
cash flow monitoring
cash flow forecast,
exchanges with the chartered accountant and investors.
Accounting is no longer a belated snapshot. It is becoming a management tool .
3. A solid foundation for international and omnichannel
Whether the company sells online, in-store, via a marketplace, or in multiple countries, Adyen centralizes payments. Pennylane, on the other hand, centralizes financial reporting.
From the heart, this duo creates a finance-payment backbone particularly suited to SMEs that are changing scale.
Realistic use case: growing European e-commerce
Let's take an e-commerce SME that sells in France, Germany and Spain, with Adyen as its main PSP.
Before the partnership:
Country-level reporting
commissions that are difficult to explain
regular discrepancies between Shopify sales, Adyen payouts and accounting,
Long and stressful monthly closings.
After Pennylane × Adyen:
structured payment flows,
accounting entries consistent with cash flow,
consolidated multi-country vision,
faster decisions on prices, channels and margins.
It's not about increased comfort. It's about increased control .
Why Blendy welcomes (and recommends) this partnership
At Blendy , internationalization is not a theoretical subject: it is a field of daily execution .
We support French and international SMEs that sell, collect payments and grow outside of France — in Europe and beyond — with very concrete issues of currency, local payment methods, payment deadlines and consolidated financial reading.
In this context, the Pennylane × Adyen partnership meets exactly what our international clients are looking for: a clear continuity between global cash flow and readable, manageable and centralized accounting .
Adyen brings the power of global payments, Pennylane the financial structuring needed to understand real performance, country by country, channel by channel.
It is precisely this ability to make international data speak in an understandable financial language that Blendy values.
Because internationally, the complexity doesn't stem from sales volume, but from the inability to link payment, cash flow, and decision-making. This partnership aims for clearer, more reliable finance, and above all, finance better suited to companies scaling up internationally .
Finance (finally) aligned with your international ambitions
As you will have understood, internationally, the difficulty is not in selling. It is in understanding precisely what you are receiving, where, when and with what real margin .
Because, as long as payments remain disconnected from accounting, decisions are made with a delay or based on intuition.
The Pennylane × Adyen partnership represents a significant step forward for SMEs expanding outside of France. It enables the connection of global payment flows to a clear, centralized, and actionable financial overview, without manual processing or hidden costs.
At Blendy , we see this type of integration as a prerequisite for healthy international growth : transparent finance, controlled cash, understandable margins and the ability to manage business on a country-by-country basis.
Because internationally, performance is not solely about revenue — but about the ability to transform it into quick and informed decisions .
You collect payments internationally, but your financial management remains solely within France?
At Blendy , we support SMEs in structuring their international finance: payments, accounting, treasury, multi-country reporting.
👉 Let's discuss your international finance stack and see how to fully leverage solutions like Pennylane and Adyen to secure your growth abroad.
With Blendy , International chartered accountant based in France, Canada and the USA, take advantage of all the benefits of digital accounting to accelerate your financial processes and grow your business.
Certified by Pennylane , Dext , QuickBooks and Stripe , we support digital companies, eCommerce, IT services companies, SaaS companies, in France and internationally .
