FacturaDirecta vs Pennylane (2026): Pricing, Features & Verdict
Pennylane is our pick, scoring 6.4/10 against 6.3/10 for FacturaDirecta on our Finance Software criteria. Its biggest advantage: higher Scalability score (6/10 vs 4/10). Only FacturaDirecta has a free plan.
Last updated: November 2026
FacturaDirecta
6.3/10
Spanish cloud invoicing and simple accounting software for freelancers and small businesses, with VeriFactu, Facturae, TicketBAI and AEAT tax forms built in.
Pennylane
6.4/10
French accounting, invoicing, cash management and business account platform for freelancers, small businesses, SMEs and the accounting firms that serve them.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.3/10 | 6.4/10 |
| Scalability | 4/10 | 6/10 |
| Analytics | 5/10 | 6/10 |
| Compliance | 8/10 | 8/10 |
| Integration | 6/10 | 7/10 |
| Security | 6/10 | 6/10 |
| Support | 4/10 | 5/10 |
| Cost | 8/10 | 5/10 |
| Customization | 5/10 | 5/10 |
| Ease of Use | 7/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €15/mo Bronce | €7/mo Starter (freelancer) |
| Estimated cost for 10 users | Free Gratis | Contact for pricing |
| Features | ||
| Accountant Access | ||
| Accounts Payable | ||
| Bank Reconciliation | ||
| Budgeting and Forecasting | ||
| Expense Management | ||
| Financial Reporting | ||
| General Ledger | ||
| Invoicing | ||
| Online Payments | ||
| Tax Compliance | ||
| Audit Trail | Not listed | |
| Corporate Cards | Not listed | |
| Multi-currency | Not listed | |
| Payroll | Not listed | |
FacturaDirecta vs Pennylane cost by team size
FacturaDirecta costs less at 1 user.
| Team size | FacturaDirecta | Pennylane |
|---|---|---|
| 1 user | FreeGratis | €7/moStarter (freelancer) |
| 5 users | FreeGratis | Contact for pricing |
| 10 users | FreeGratis | Contact for pricing |
| 25 users | FreeGratis | Contact for pricing |
| 50 users | FreeGratis | Contact for pricing |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Who FacturaDirecta and Pennylane suit
Pennylane fits accountants and bookkeepers better than FacturaDirecta.
| Audience | FacturaDirecta | Pennylane |
|---|---|---|
| Accountants and Bookkeepers | 6/10Gestores get free access through an Asesor role, and journal entries export to A3 and ContaPlus, but the vendor does not position it as a practice-management tool. | 9/10Accountants work in the same shared workspace as their clients, and Pennylane reports thousands of partner accounting firms. |
| Enterprise | 2/10It is limited to Spanish tax rules, has no consolidation or phone support, and is built by a very small team. | 3/10Reviewers found nothing on multi-entity consolidation, and the product focuses on French SMEs. |
| Freelancers | 9/10The free plan covers 100 VeriFactu-compliant invoices a year, and AEAT forms like 130 and 303 are generated automatically for Spanish autónomos. | 8/10There is a dedicated freelancer pricing track that starts at 7 euros a month. |
| Small Business | 8/10Paid tiers add unlimited clients, bank reconciliation, SEPA remittances, team roles and optional accounting and inventory for Spanish SMEs. | 9/10The plans and the included business account are built for very small companies and SMEs in France. |
| E-commerce | 6/10Its own Shopify app and a Zapier-based WooCommerce flow create invoices from orders, though the Shopify listing has very little review feedback. | Not rated |
| Startups | Not rated | 7/10Reviewers recommend it to startups for cash forecasting, the runway indicator and bundled banking. |
Which One Should You Choose?
Why choose FacturaDirecta
- Has a free plan (Pennylane does not)
- Higher Cost score (8/10 vs 5/10)
Why choose Pennylane
- Higher Scalability score (6/10 vs 4/10)
- Higher Analytics score (6/10 vs 5/10)
- Better fit for accountants and bookkeepers (9/10 vs 6/10)
Pros & Cons
FacturaDirecta
Pros
- The free plan is permanent and includes VeriFactu, Facturae and AEAT tax form calculation for up to 100 invoices a year, with no card required.
- Every plan includes unlimited users and free accountant access through an Asesor role, so teams and gestores are not charged per seat.
- Spanish e-invoicing coverage is broad: VeriFactu, Facturae with FACe submission, and TicketBAI and Batuz for the Basque Country.
- Every plan, including the free one, gets a REST API, webhooks, an MCP server for AI assistants and a CLI, and one 2026 reviewer praised the API documentation.
- There is no lock-in. You can cancel at any time, and the 30-day paid trial needs no card and does not auto-charge.
Cons
- Support is limited to email, chat and an AI agent. There is no phone line, and Trustpilot reviewers from 2025 and 2026 describe chat as slow.
- Full double-entry accounting costs extra on Bronce and Plata and is included only from the 60-euros-a-month Oro tier.
- Payroll is only for recording and scanning payslips. The vendor does not describe gross-to-net salary calculation.
- Hard invoice caps apply on each plan, and a 2026 reviewer complained that the free-plan limit was introduced without clear warning.
- An independent comparison calls the interface dated and the financial reports and mobile app basic compared with Holded or Quipu.
Pennylane
Pros
- Accountants and clients work in the same shared space, which reviewers call its main strength.
- Bank transactions are categorised and reconciled automatically, based on past categorisations.
- A business account with an IBAN and employee cards is included even on the entry plan.
- It is approved for French e-invoicing, and Premium adds electronic filing of VAT and tax returns.
- A 15-day free trial and cancel-anytime billing mean there is no long-term commitment.
Cons
- Reviewers consider it fairly expensive, and there is no free plan.
- Full accounting reports and tax filing are limited to Premium.
- No payroll or CRM of its own; it relies on Payfit, Silae and CRM integrations.
- Users report slow support on complex issues, occasional bugs, and a multi-currency feature that still needs work.
- Pricing for companies with employees is quote-based on the vendor site.
Not sold on either?
Frequently Asked Questions
Pennylane scores higher on our Finance Software criteria: 6.4/10 against 6.3/10 for FacturaDirecta. The largest gap is in Cost: 8/10 for FacturaDirecta and 5/10 for Pennylane.
FacturaDirecta has a free plan; Pennylane does not list one.
Pennylane is the better fit for accountants and bookkeepers: we rate it 9/10 for them, against 6/10 for FacturaDirecta.
