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Automated bank reconciliation inside Pennylane

Every day, Sanso automatically reconciles the payments and invoices inside your Pennylane account, including what native reconciliation leaves aside: foreign currencies, grouped payments, marketplace payouts.

Illustration of automated reconciliation between bank payments and the invoices of a Pennylane account

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Google for StartupsKamberraDipliGeminiWorklibBuckeSiitMoriah

Doesn't Pennylane already do bank reconciliation?

Pennylane works by suggestion. From the supplier, the label, the date and the amount, it points at the invoice that probably goes with a transaction. A setting even lets you approve those suggestions automatically, provided the invoice and the transaction amounts are strictly identical.

And a suggestion still has to exist. As soon as the amount paid does not match the amount invoiced, nothing is offered at all, neither suggested nor approved. A foreign-currency invoice, one transfer settling several invoices, a marketplace payout: the invoice has to be found by hand.

Case Native Pennylane reconciliation With Sanso inside Pennylane
One invoice, one payment, same amount

Native Pennylane reconciliation

Reconciled automatically if the setting is on and the amounts are strictly identical

With Sanso inside Pennylane

Reconciled automatically
Foreign-currency invoice

Native Pennylane reconciliation

No suggestion, the amount paid does not match the amount invoiced. Invoice to be found by hand, then the difference confirmed

With Sanso inside Pennylane

Invoice found and reconciled automatically, foreign exchange gain or loss posted, invoice settled
One payment for several invoices

Native Pennylane reconciliation

No suggestion, requires finding and linking the invoices one by one

With Sanso inside Pennylane

Invoices identified automatically and reconciled
One invoice paid in instalments

Native Pennylane reconciliation

No suggestion, requires finding and linking the invoice to each payment, one by one

With Sanso inside Pennylane

Payments identified and reconciled against the invoice
Grouped marketplace payout

Native Pennylane reconciliation

No detail in the bank statement, no fees and no refunds

With Sanso inside Pennylane

Automated identification and reconciliation of the invoices, credit notes and fees tied to the payout

Comparison established in September 2026, based on Pennylane public documentation: automatic approval, reconciliation suggestions, foreign exchange differences, multiple reconciliations, automated flows. Pennylane's help centre is in French.

Some flows reconcile on their own inside Pennylane, without Sanso: Stripe Billing and GoCardless collections, supplier invoices paid from Pennylane or Qonto, and invoices carrying the unique reference generated by Pennylane.

Sanso is an official Pennylane partner

Up and running in minutes. Daily reconciliation.

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Fifteen minutes to see what your Pennylane account leaves aside today.

How do you switch Sanso on inside Pennylane?

One access to generate in Pennylane, one rhythm to choose. Everything else happens inside your account.

  1. You generate the access in Pennylane

    From your own account, in a few clicks. Nothing to install, nothing to deploy.

  2. You choose the rhythm

    That is the only setting. By default, Sanso reconciles your account once a day.

  3. Sanso works inside your account

    Reconciliation and matching are written straight into Pennylane. All that is left for you is to see the work already done in your Pennylane account.

When there is any doubt, nothing is reconciled by force. The case waits for a human to look at it.

Sanso works with every Pennylane plan.

What daily Pennylane reconciliation changes

  • An up-to-date view of client payments

    Automated reconciliation means that at any moment you have an up-to-date view of the client invoices that are overdue. That is what lets a reminder reach only the clients who are genuinely late.

    See invoice collection

  • Never pay the same invoice twice

    You have an up-to-date view of the supplier invoices still to pay, and of those already paid.

  • A close that does not start with catching up

    Closing focuses on what actually matters, because the bulk of the work was done during the month.

Sanso's bank reconciliation is not limited to Pennylane. See the bank reconciliation page

"Marketplace reconciliation used to be a black hole. Sanso finds everything and matches it instantly."
Enzo Makaïa Enzo Makaïa Senior Finance Manager @Dipli

Sanso pricing for Pennylane

From €100 / month
  • Priced on your transaction volume
  • Daily reconciliation, straight inside your Pennylane account
  • Complex cases handled
  • Available on every Pennylane plan
Book a Call

Ready to stop ticking off lines?

Sanso reconciles your payments and invoices for you. Your books stay up to date, effortlessly.

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Frequently asked questions

Does Pennylane reconcile bank transactions automatically?
Only under strict conditions. Pennylane offers a setting called "automatically approve reconciliation suggestions", which reconciles without any intervention when the invoice and transaction amounts are strictly identical and a suggestion has been identified. As soon as the amounts differ, no suggestion is produced and reconciliation becomes entirely manual.
How do you reconcile a foreign-currency invoice in Pennylane?
An invoice of USD 1,000 is booked at EUR 920 at the rate of the day, and the bank debits EUR 934 three weeks later. The amounts differ, so no suggestion appears: you have to find the invoice, select it from the transaction, then confirm the difference. Sanso does this reconciliation automatically and posts the foreign exchange gain or loss. The invoice shows as fully settled and the supplier account returns to zero.
How do you reconcile one transfer that settles several invoices?
A supplier sends three invoices in the month and settles them with a single transfer. Pennylane lets you start from the transaction, find and select the invoices one by one until the balance falls to zero. It is doable, it is slow, and it comes back every month. Sanso finds the combination of invoices that matches the amount and reconciles them together. The reverse case, one invoice paid in instalments, is handled the same way.
What happens to marketplace payouts?
Amazon, Shopify or a payment provider pays out a net amount, with fees and refunds already deducted. The bank statement holds one line and one amount, and no tool can reconcile what it cannot see. Sanso fetches the detail from the platform, rebuilds the operations and creates the missing entries in Pennylane.
Does Sanso do my accountant's job?
No, Sanso does not replace your accountant. Sanso reconciles your payments and invoices and matches the accounts inside Pennylane. Your accountant keeps the bookkeeping, the filings and the advice, and picks them up on a base that is already up to date.
Do I have to change accounting software to use Sanso?
No. Sanso works inside Pennylane, on your existing account, and no particular Pennylane plan is required.
How long does setup take?
You generate an API key in Pennylane and you choose the reconciliation rhythm, daily by default.
How is my data kept secure?
Your financial and accounting data is encrypted, and access is strictly controlled. Sanso complies with the GDPR and keeps only what the reconciliation requires. Access to your Pennylane account goes through a key you generate yourself, and that you can withdraw at any time from Pennylane.
What happens to a reconciliation Sanso is not sure about?
Sanso does not reconcile when there is any doubt. The case waits for review rather than being reconciled without certainty.
Is Sanso a Pennylane partner?
Yes, Sanso is an official Pennylane partner.