Comparison

Up2pay Mobile vs Pennylane

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Up2pay Mobile

Accept card payments on the go with a portable card reader and mobile app. Process transactions in three clicks, send digital receipts via email, and manage your business with integrated tools like a cash register and real-time reporting. Ideal for mobile professionals and seasonal businesses.

Highlights
  • Portable card reader
  • 3-click payment processing
  • Email receipts
  • Integrated cash register
  • Real-time reporting
  • Product catalog
Features
Read full description

Avec Up2pay Mobile, votre smartphone vous permet d’accepter les paiements par carte où que vous soyez. Et si un commerçant en situation de mobilité pouvait offrir à ses clients les mêmes facilités de paiement qu’un commerçant dans sa boutique ? 1- Un équipement pratique et transportable : un lecteur de carte léger qui communique en Bluetooth avec l’application mobile du smartphone. 2-Un fonctionnement simple permettant le paiement en « 3clics » : plus de papier, votre client reçoit son reçu personnalisé directement par email. 3-Des transactions sécurisées : la solution est agréée par CB, Visa et MasterCard. 4-Des services à valeur ajoutée : caisse enregistreuse, catalogue en image de votre offre de produits et service, tableau de bord et rapports en temps réel. Avec Up2pay Mobile vous bénéficiez d'outils pour optimiser votre comptabilité. 5-Un tarif attractif, adapté aux activités saisonnières : vous pouvez suspendre temporairement votre service sans frais par simple appel téléphonique. Up2pay Mobile est une offre réservée aux professionnels, agriculteurs et associations clients des Caisses Régionales du Crédit Agricole. Prenez rendez-vous avec votre conseiller du Crédit Agricole ! Une version IOS 16.6 minimum est recommandé pour l’utilisation de cette application.

About

Pennylane

Manage your business finances, accounting, and banking in one integrated platform. Streamline invoicing, track expenses, analyze performance, and collaborate with your accountant.

Highlights
  • Integrated business account
  • Purchase and sales management
  • Performance analysis
  • Invoice management
  • Collaboration with accountants
  • Over 300 integrations
Features
Read full description

Pennylane is the tool that brings together your finances, your accounting, and your Business Account! Discover the all-in-one solution for your business that includes purchase and sales management tools, performance analysis, and a Pro Account 100% integrated with your accounting. Pennylane is PDP certified! Receive and send your invoices in the FacturX format even before the reform is applied. Over 180,000 French companies and 2,500 accounting firms have already joined Pennylane. What changes with Pennylane: - Manage your activity from a single space: the purchase and sales modules allow you a complete management of your activity. Quotes, invoices, subscriptions, sales reminders... manage all your finances in one place! - Make better decisions: Pennylane allows you to access all the data of your activity and analyze it from a single platform. - Collaborate more effectively with your accountant: keep your accounting up-to-date in real-time. Pennylane suggests reconciliations to carry out and actions to perform. - Over 300 integrations available: simplify the retrieval of your flows and the management of your activity by connecting to your business tools directly from Pennylane. Get the Pennylane Pro Account including: - Free cards and unlimited free transfers: Enjoy customizable virtual or physical Mastercard cards and pay easily via SEPA transfer. - French IBAN, secured funds: Entrust your funds to a secured institution approved by the Banque de France (ACPR). - Payment of supplier invoices: Settle up to 400 invoices in one click, reconciliation and lettering are automatic. - Simplified collection of receipts: No more hunting for receipts! Receive a mobile notification with every transaction made with the Business Account card. Included in the mobile app: - Business Account: Initiate transfers, manage your bank cards and receive a mobile notification with every transaction made with your Pennylane Business Account. - Invoice management: Upload your purchase invoices, expense reports and follow their validation - Categorization: Categorize all your transactions and expense reports at the right time, without delay - Customer billing management: Create your sales quotes and invoices and send them to your clients - Accounting requests: Collaborate with your team and your accountant via comments and notifications - Track your cash flow and other key indicators

Screenshots

Up2pay Mobile4 screens
Pennylane4 screens

Verdict

The call

The clearest difference is review sentiment: Pennylane at 67% against Up2pay Mobile's 25%. Pennylane also leads on update cadence (weekly vs every 3 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Up2pay Mobile ships an update every 3 months, Pennylane weekly. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard2 real differences · 8 level
Up2pay Mobile versus Pennylane: the parameters behind the verdict, then further details
ParameterUp2pay MobilePennylane
PriceFreeFree
Rating—4.6 (35 ratings) — better
Positive reviews25.0% of reviews66.7% of reviews — better
Number of ratings—35 — better
Update frequencyEvery 3 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad — better
Requires iOS16.616.4 — better
Further details — not scored
Size38 MB151 MB
Age rating4+4+
DeveloperCredit Agricole S.A.Pennylane

Customer experience

Up2pay Mobile

Written reviews20 reviews
Positive25.0%
Neutral30.0%
Negative45.0%

Pennylane

All ratings35 ratings
Positive91.4%
Neutral0.0%
Negative8.6%
Written reviews57 reviews
Positive66.7%
Neutral17.5%
Negative15.8%

In-app purchases

None

Up2pay Mobile

No in-app purchases

None

Pennylane

No in-app purchases

Questions

Is Up2pay Mobile free?
Up2pay Mobile is free to download, with no in-app purchases.
Is Pennylane free?
Pennylane is free to download, with no in-app purchases.
Do Up2pay Mobile or Pennylane have ads?
Neither Up2pay Mobile nor Pennylane shows ads.
Which is updated more often, Up2pay Mobile or Pennylane?
Up2pay Mobile ships an update every 3 months, and Pennylane weekly. Most recently, Up2pay Mobile was updated on October 23, 2026 and Pennylane on October 24, 2026.

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