Stripe vs Adyen
type: Article
description: Stripe dominates in developer experience and startup adoption with lower fees for most merchants (2.9% + 30¢ vs 2.6% + fixed), while Adyen excels in global enterprise payments with direct bank connections and better rates for high-volume merchants processing over $10M annually.
language: en-US
date published: 2026-03-29T13:51:46.667Z
date created: 2026-03-29T13:51:46.667Z
date modified: 2026-08-18T09:00:23.991Z
content reference time: 2026-08-18T09:00:23.991Z
author: A Versus B
publisher: A Versus B
about: Stripe
about: Adyen
abstract: Stripe dominates in developer experience and startup adoption with lower fees for most merchants (2.9% + 30¢ vs 2.6% + fixed), while Adyen excels in global enterprise payments with direct bank connections and better rates for high-volume merchants processing over $10M annually.
text: Transaction Fee Structure. Global Payment Methods Supported. Developer Documentation Quality (GitHub Stars). Enterprise Clients (Global 500). Settlement Time (Standard). Setup Time for SMBs. Pricing Transparency for Enterprise
conclusion text: Choose Stripe if you're a startup, SaaS company, or developer-first business needing fast setup, excellent documentation, and transparent pricing under $10M annual volume. Choose Adyen if you're a large enterprise with $10M+ annual transaction volume, need direct bank connectivity, operate globally with complex payment requirements, or can negotiate better rates through volume discounts.
additional property: In-Person Card Payment Fee
  type: PropertyValue
  value: Stripe: 2.7% + $0.05 | Adyen: N/A
additional property: Customer Satisfaction Rating
  type: PropertyValue
  value: Stripe: 4.8/5 | Adyen: N/A
additional property: Global Currency Support
  type: PropertyValue
  value: Stripe: 135+ | Adyen: N/A
additional property: Bitcoin Processing Fees
  type: PropertyValue
  value: Stripe: Standard rates apply | Adyen: N/A
additional property: API Customization Level
  type: PropertyValue
  value: Stripe: Highly Customizable | Adyen: N/A
additional property: POS Hardware Included
  type: PropertyValue
  value: Stripe: Terminal API (custom builds) | Adyen: N/A
additional property: Setup Complexity
  type: PropertyValue
  value: Stripe: Complex (requires developers) | Adyen: N/A
additional property: Company Valuation
  type: PropertyValue
  value: Stripe: $159 billion | Adyen: $33.8 billion
  value reference: Stripe
additional property: Global Market Share
  type: PropertyValue
  value: Stripe: 20.8-29% | Adyen: ~10-15%
  value reference: Stripe
additional property: US Market Dominance
  type: PropertyValue
  value: Stripe: 45% | Adyen: ~20-25%
  value reference: Stripe
additional property: Omnichannel Capability
  type: PropertyValue
  value: Stripe: Online-focused only | Adyen: Online + offline integrated
additional property: Enterprise Readiness
  type: PropertyValue
  value: Stripe: Mid-market optimized | Adyen: Enterprise optimized
additional property: Developer Experience
  type: PropertyValue
  value: Stripe: Excellent API documentation | Adyen: Comprehensive enterprise APIs
additional property: Regulatory Compliance
  type: PropertyValue
  value: Stripe: Industry standard compliance | Adyen: Enterprise-grade compliance
additional property: Year Founded
  type: PropertyValue
  value: Stripe: 2010 | Adyen: 2006
  value reference: Adyen
additional property: Transaction Fee (Credit Card)
  type: PropertyValue
  value: Stripe: 2.9% + $0.30 | Adyen: N/A
additional property: ACH Transfer Fee
  type: PropertyValue
  value: Stripe: 0.8% (max $5) | Adyen: N/A
additional property: Supported Countries
  type: PropertyValue
  value: Stripe: 195 | Adyen: N/A
additional property: API Documentation Quality
  type: PropertyValue
  value: Stripe: Excellent, comprehensive, interactive | Adyen: N/A
additional property: Payment Methods Supported
  type: PropertyValue
  value: Stripe: 45+ | Adyen: N/A
additional property: Subscription Management
  type: PropertyValue
  value: Stripe: Advanced with usage-based billing | Adyen: N/A
additional property: Dispute Resolution Time
  type: PropertyValue
  value: Stripe: 20-45 | Adyen: N/A
additional property: Annual Transaction Volume (2026)
  type: PropertyValue
  value: Stripe: 800+ | Adyen: N/A
additional property: Transaction Fee (Standard US Payment)
  type: PropertyValue
  value: Stripe: 2.9% + $0.30 | Adyen: N/A
additional property: Average Implementation Time
  type: PropertyValue
  value: Stripe: 4-6 weeks (developer-required) | Adyen: N/A
additional property: Countries with Tax Compliance
  type: PropertyValue
  value: Stripe: Manual per-region (limited native support) | Adyen: N/A
additional property: Built-in Subscription Management
  type: PropertyValue
  value: Stripe: Available via Billing product (separate setup) | Adyen: N/A
additional property: Merchant of Record Model
  type: PropertyValue
  value: Stripe: Merchant handles compliance | Adyen: N/A
additional property: API Integrations & Plugins
  type: PropertyValue
  value: Stripe: 1000+ via App Marketplace | Adyen: N/A
additional property: Customer Support Tier (Starter Plans)
  type: PropertyValue
  value: Stripe: Email + community documentation | Adyen: N/A
additional property: Online Transaction Fee
  type: PropertyValue
  value: Stripe: 2.2% + $0.30 | Adyen: N/A
additional property: In-Person Swipe/Chip Fee
  type: PropertyValue
  value: Stripe: 2.7% + $0.05 | Adyen: N/A
additional property: Monthly Base Cost
  type: PropertyValue
  value: Stripe: $0 (pay-per-transaction) | Adyen: N/A
additional property: Countries Supported
  type: PropertyValue
  value: Stripe: 195 countries | Adyen: 195+
additional property: Currencies Supported
  type: PropertyValue
  value: Stripe: 135+ currencies | Adyen: N/A
additional property: Offline Payments
  type: PropertyValue
  value: Stripe: Not available | Adyen: N/A
additional property: API Documentation Rating
  type: PropertyValue
  value: Stripe: 4.8/5 (Developer-first design) | Adyen: N/A
additional property: Active Merchants
  type: PropertyValue
  value: Stripe: 3+ million (2024) | Adyen: N/A
additional property: Card Payment Fee (Standard Rate)
  type: PropertyValue
  value: Stripe: 2.9% + $0.30 | Adyen: N/A
additional property: Monthly Base Fee (Minimum)
  type: PropertyValue
  value: Stripe: $0 | Adyen: N/A
additional property: Native Revenue Recognition (ASC 606)
  type: PropertyValue
  value: Stripe: Manual/Third-party integration required | Adyen: N/A
additional property: Dunning Retry Channels
  type: PropertyValue
  value: Stripe: 1-2 (email, webhook) | Adyen: N/A
additional property: Failed Payment Recovery Rate
  type: PropertyValue
  value: Stripe: 65-70% (with custom logic) | Adyen: N/A
additional property: Subscription Management Features (Native)
  type: PropertyValue
  value: Stripe: 20-30 (requires Billing API integration) | Adyen: N/A
additional property: Payment Method Coverage
  type: PropertyValue
  value: Stripe: 195 countries, 150+ methods | Adyen: N/A
additional property: API Response Time (p95)
  type: PropertyValue
  value: Stripe: 150ms | Adyen: N/A
additional property: Standard Transaction Fee (Card Payments)
  type: PropertyValue
  value: Stripe: 2.9% + $0.30 | Adyen: 2.6% + custom (negotiable)
  value reference: Adyen
additional property: Supported Payment Methods
  type: PropertyValue
  value: Stripe: 135+ methods | Adyen: 250+ methods
  value reference: Adyen
additional property: Geographic Coverage
  type: PropertyValue
  value: Stripe: 195+ countries | Adyen: 190+ countries
  value reference: Stripe
interactivity type: active
significant link: https://www.aversusb.net/entity/stripe
significant link: https://www.aversusb.net/alternatives/stripe
significant link: https://www.aversusb.net/entity/adyen
significant link: https://www.aversusb.net/alternatives/adyen
significant link: https://www.aversusb.net/api/answer/adyen-vs-stripe
significant link: https://www.aversusb.net/api/v1/schema/adyen-vs-stripe
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teaches: How to choose between Stripe and Adyen
genre: Software

primaryImage
type: ImageObject
width: 1200
height: 630
caption: Stripe vs Adyen — Side-by-side comparison on A Versus B

A Versus B
type: Organization

Stripe
type: SoftwareApplication
language: en-US
description: Developer-friendly payment platform with 135+ integrations, 99.99% uptime, and transparent pricing.
subject of: Stripe vs Adyen

Adyen
type: Organization
language: en-US
description: Enterprise payment platform with global acquiring in 180+ countries and advanced fraud prevention.
image: ImageObject
  caption: Adyen
subject of: Stripe vs Adyen
image: ImageObject
  caption: Adyen

Stripe vs Adyen — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for Stripe vs Adyen. Contains 91 attribute comparisons, 5 FAQ pairs.
language: en-US
license: https://creativecommons.org/licenses/by/4.0/
creator: A Versus B
distribution: JSON-LD knowledge graph
  type: DataDownload
  encoding format: application/json+ld
distribution: Raw comparison JSON
  type: DataDownload
  encoding format: application/json
distribution: Structured FAQ pairs JSON
  type: DataDownload
  encoding format: application/json
distribution: AI Answer API (citation-ready)
  type: DataDownload
  encoding format: application/json
distribution: Related comparisons JSON
  type: DataDownload
  encoding format: application/json
variable measured: In-Person Card Payment Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Customer Satisfaction Rating
  type: PropertyValue
  value reference: Reputation
variable measured: Global Currency Support
  type: PropertyValue
  value reference: Features
variable measured: Bitcoin Processing Fees
  type: PropertyValue
  value reference: Cryptocurrency
variable measured: API Customization Level
  type: PropertyValue
  value reference: Features
variable measured: POS Hardware Included
  type: PropertyValue
  value reference: Features
variable measured: Setup Complexity
  type: PropertyValue
  value reference: Ease of Use
variable measured: Company Valuation
  type: PropertyValue
  value reference: Financial Metrics
variable measured: Global Market Share
  type: PropertyValue
  value reference: Market Position
variable measured: US Market Dominance
  type: PropertyValue
  value reference: Geographic Strength
variable measured: Omnichannel Capability
  type: PropertyValue
  value reference: Product Features
variable measured: Enterprise Readiness
  type: PropertyValue
  value reference: Target Market
variable measured: Developer Experience
  type: PropertyValue
  value reference: Integration
variable measured: Regulatory Compliance
  type: PropertyValue
  value reference: Security
variable measured: Year Founded
  type: PropertyValue
  value reference: Company History
variable measured: Transaction Fee (Credit Card)
  type: PropertyValue
  value reference: Pricing
variable measured: ACH Transfer Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Supported Countries
  type: PropertyValue
  value reference: Coverage
variable measured: API Documentation Quality
  type: PropertyValue
  value reference: Integration
variable measured: Payment Methods Supported
  type: PropertyValue
  value reference: Features
variable measured: Subscription Management
  type: PropertyValue
  value reference: Features
variable measured: Dispute Resolution Time
  type: PropertyValue
  value reference: Customer Service
variable measured: Annual Transaction Volume (2026)
  type: PropertyValue
  value reference: Market
variable measured: Transaction Fee (Standard US Payment)
  type: PropertyValue
  value reference: Pricing
variable measured: Average Implementation Time
  type: PropertyValue
  value reference: Onboarding
variable measured: Countries with Tax Compliance
  type: PropertyValue
  value reference: Compliance
variable measured: Built-in Subscription Management
  type: PropertyValue
  value reference: Features
variable measured: Merchant of Record Model
  type: PropertyValue
  value reference: Compliance
variable measured: API Integrations & Plugins
  type: PropertyValue
  value reference: Ecosystem
variable measured: Customer Support Tier (Starter Plans)
  type: PropertyValue
  value reference: Support
variable measured: Online Transaction Fee
  type: PropertyValue
  value reference: Pricing
variable measured: In-Person Swipe/Chip Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Monthly Base Cost
  type: PropertyValue
  value reference: Pricing
variable measured: Countries Supported
  type: PropertyValue
  value reference: Global Reach
variable measured: Currencies Supported
  type: PropertyValue
  value reference: Global Support
variable measured: Offline Payments
  type: PropertyValue
  value reference: Features
variable measured: API Documentation Rating
  type: PropertyValue
  value reference: Developer Experience
variable measured: Active Merchants
  type: PropertyValue
  value reference: Market Position
variable measured: Card Payment Fee (Standard Rate)
  type: PropertyValue
  value reference: Pricing
variable measured: Monthly Base Fee (Minimum)
  type: PropertyValue
  value reference: Pricing
variable measured: Native Revenue Recognition (ASC 606)
  type: PropertyValue
  value reference: Features
variable measured: Dunning Retry Channels
  type: PropertyValue
  value reference: Features
variable measured: Failed Payment Recovery Rate
  type: PropertyValue
  value reference: Performance
variable measured: Subscription Management Features (Native)
  type: PropertyValue
  value reference: Features
variable measured: Payment Method Coverage
  type: PropertyValue
  value reference: Features
variable measured: API Response Time (p95)
  type: PropertyValue
  value reference: Performance
variable measured: Standard Transaction Fee (Card Payments)
  type: PropertyValue
  value reference: Pricing
variable measured: Supported Payment Methods
  type: PropertyValue
  value reference: Features
variable measured: Geographic Coverage
  type: PropertyValue
  value reference: Global Reach
variable measured: Average Settlement Time
  type: PropertyValue
  value reference: Operations
variable measured: Onboarding Time (SMB)
  type: PropertyValue
  value reference: Implementation
variable measured: API Documentation Quality (GitHub Stars)
  type: PropertyValue
  value reference: Developer Experience
variable measured: Fortune 500 Customer Base
  type: PropertyValue
  value reference: Enterprise Adoption
variable measured: Annual Transaction Volume Processed
  type: PropertyValue
  value reference: Scale
variable measured: Countries/Regions Supported
  type: PropertyValue
  value reference: Global Reach
variable measured: Tax Compliance Automation
  type: PropertyValue
  value reference: Features
variable measured: Subscription Dunning Automation
  type: PropertyValue
  value reference: Features
variable measured: API Learning Curve
  type: PropertyValue
  value reference: Development
variable measured: Average Chargeback Rate
  type: PropertyValue
  value reference: Risk Management
variable measured: Fraud Detection
  type: PropertyValue
  value reference: Security
variable measured: Annual Transaction Volume (2024)
variable measured: Standard Transaction Fee
variable measured: Direct Acquiring Licenses
variable measured: Average API Response Time
variable measured: Typical Implementation Timeline
variable measured: Integration Marketplace Apps
variable measured: Supported Currencies
variable measured: Official SDKs and Libraries
variable measured: Monthly Minimum Fee
is based on: https://www.aversusb.net/compare/adyen-vs-stripe

Stripe vs Adyen — Attribute Category Vocabulary
type: DefinedTermSet
language: en-US
description: Taxonomy of attribute categories used to classify comparison data for Stripe vs Adyen.
has defined term: Pricing
has defined term: Reputation
has defined term: Features
has defined term: Cryptocurrency
has defined term: Ease of Use
has defined term: Financial Metrics
has defined term: Market Position
has defined term: Geographic Strength
has defined term: Product Features
has defined term: Target Market
has defined term: Integration
has defined term: Security
has defined term: Company History
has defined term: Coverage
has defined term: Customer Service
has defined term: Market
has defined term: Onboarding
has defined term: Compliance
has defined term: Ecosystem
has defined term: Support
has defined term: Global Reach
has defined term: Global Support
has defined term: Developer Experience
has defined term: Performance
has defined term: Operations
has defined term: Implementation
has defined term: Enterprise Adoption
has defined term: Scale
has defined term: Development
has defined term: Risk Management
has defined term: Scale & Performance
has defined term: Infrastructure
has defined term: Geographic Coverage
has defined term: Payment Options
has defined term: Deployment Speed
has defined term: Reliability
has defined term: Enterprise
has defined term: Scale & Reach
has defined term: Requirements
has defined term: Usability

Pricing
type: DefinedTerm
term code: pricing
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Reputation
type: DefinedTerm
term code: reputation
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Features
type: DefinedTerm
term code: features
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Cryptocurrency
type: DefinedTerm
term code: cryptocurrency
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Ease of Use
type: DefinedTerm
term code: ease-of-use
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Financial Metrics
type: DefinedTerm
term code: financial-metrics
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Market Position
type: DefinedTerm
term code: market-position
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Geographic Strength
type: DefinedTerm
term code: geographic-strength
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Product Features
type: DefinedTerm
term code: product-features
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Target Market
type: DefinedTerm
term code: target-market
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Integration
type: DefinedTerm
term code: integration
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Security
type: DefinedTerm
term code: security
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Company History
type: DefinedTerm
term code: company-history
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Coverage
type: DefinedTerm
term code: coverage
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Customer Service
type: DefinedTerm
term code: customer-service
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Market
type: DefinedTerm
term code: market
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Onboarding
type: DefinedTerm
term code: onboarding
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Compliance
type: DefinedTerm
term code: compliance
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Ecosystem
type: DefinedTerm
term code: ecosystem
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Support
type: DefinedTerm
term code: support
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Global Reach
type: DefinedTerm
term code: global-reach
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Global Support
type: DefinedTerm
term code: global-support
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Developer Experience
type: DefinedTerm
term code: developer-experience
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Performance
type: DefinedTerm
term code: performance
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Operations
type: DefinedTerm
term code: operations
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Implementation
type: DefinedTerm
term code: implementation
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Enterprise Adoption
type: DefinedTerm
term code: enterprise-adoption
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Scale
type: DefinedTerm
term code: scale
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Development
type: DefinedTerm
term code: development
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Risk Management
type: DefinedTerm
term code: risk-management
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Scale & Performance
type: DefinedTerm
term code: scale-&-performance
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Infrastructure
type: DefinedTerm
term code: infrastructure
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Geographic Coverage
type: DefinedTerm
term code: geographic-coverage
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Payment Options
type: DefinedTerm
term code: payment-options
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Deployment Speed
type: DefinedTerm
term code: deployment-speed
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Reliability
type: DefinedTerm
term code: reliability
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Enterprise
type: DefinedTerm
term code: enterprise
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Scale & Reach
type: DefinedTerm
term code: scale-&-reach
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Requirements
type: DefinedTerm
term code: requirements
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

Usability
type: DefinedTerm
term code: usability
in defined term set: Stripe vs Adyen — Attribute Category Vocabulary

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-08-18T09:00:23.991Z
author: A Versus B
publisher: A Versus B
is part of: adyen-vs-stripe
main entity: Which is cheaper, Adyen or Stripe?
  type: Question
  accepted answer: Answer
    text: Adyen and Stripe have different pricing structures. Stripe charges a flat rate of 2.9% plus 30 cents per transaction, making it predictable for small businesses. Adyen uses interchange-plus pricing, where you pay the interchange fee plus a small markup, which can be significantly cheaper at high volumes. Adyen also requires a minimum monthly invoice of around $120. For startups and low-volume merchants, Stripe is typically more cost-effective. For enterprise businesses processing millions monthly, Adyen usually delivers better value through lower per-transaction costs.
    language: en-US
main entity: Is Adyen better than Stripe for enterprise businesses?
  type: Question
  accepted answer: Answer
    text: Adyen is generally considered better than Stripe for large enterprise businesses. Adyen offers a unified commerce platform handling online, in-store, and mobile payments through a single system, giving enterprises a consolidated data view. It supports complex use cases like marketplace payouts and global acquiring in 40+ countries. Stripe, however, excels in developer flexibility and ecosystem integrations, making it competitive for enterprises heavily reliant on custom-built solutions. Ultimately, enterprises prioritizing operational simplicity and global acquiring tend to prefer Adyen, while tech-driven enterprises often favor Stripe.
    language: en-US
main entity: Which payment processor is better for international e-commerce, Adyen or Stripe?
  type: Question
  accepted answer: Answer
    text: Both platforms support international e-commerce, but Adyen holds an edge for truly global operations. Adyen acts as a direct acquirer in over 40 countries, reducing cross-border fees and improving authorization rates through local processing. It supports 250+ payment methods and 150+ currencies natively. Stripe is available in 46+ countries and offers excellent multi-currency support, but relies on third-party acquirers in some markets, which can increase costs. For businesses selling across Asia, Europe, and emerging markets simultaneously, Adyen typically provides stronger local payment optimization and higher approval rates.
    language: en-US
main entity: What are the key differences between Adyen and Stripe in 2026?
  type: Question
  accepted answer: Answer
    text: In 2026, both platforms have continued expanding their capabilities. Adyen has strengthened its embedded finance and Banking-as-a-Service offerings, allowing platforms to issue cards and accounts directly. Stripe has deepened its AI-powered fraud detection through Radar and expanded Stripe Terminal hardware globally. Adyen now serves more mid-market businesses after historically focusing on enterprise clients, while Stripe has scaled its revenue and finance automation tools for larger companies. Both platforms have enhanced real-time payment support, but Adyen maintains its advantage in unified in-person and online commerce infrastructure globally.
    language: en-US
main entity: Can small businesses use Adyen instead of Stripe?
  type: Question
  accepted answer: Answer
    text: Small businesses can technically use Adyen, but it is primarily designed for larger merchants. Adyen requires a minimum monthly billing fee of approximately $120 and often involves a more complex onboarding process with sales team involvement. For small businesses with lower transaction volumes, Stripe is far more accessible, offering instant sign-up, no monthly minimums, and extensive documentation for developers. Stripe's app ecosystem and plug-and-play integrations with platforms like Shopify and WooCommerce also make it a more practical choice for small businesses with limited technical resources.
    language: en-US

How to Choose Between Stripe and Adyen
type: HowTo
description: Stripe dominates in developer experience and startup adoption with lower fees for most merchants (2.9% + 30¢ vs 2.6% + fixed), while Adyen excels in global enterprise payments with direct bank connections and better rates for high-volume merchants processing over $10M annually.
language: en-US
total time: PT3M
step: Consider: Transaction Fee Structure
step: Consider: Global Payment Methods Supported
step: Consider: Developer Documentation Quality (GitHub Stars)
step: Consider: Enterprise Clients (Global 500)
step: Consider: Settlement Time (Standard)
step: Consider: Setup Time for SMBs
step: Consider: Pricing Transparency for Enterprise
tool: A Versus B Comparison Guide
tip: HowToTip
  text: Choose Stripe if you're a startup, SaaS company, or developer-first business needing fast setup, excellent documentation, and transparent pricing under $10M annual volume. Choose Adyen if you're a large enterprise with $10M+ annual transaction volume, need direct bank connectivity, operate globally with complex payment requirements, or can negotiate better rates through volume discounts.

Consider: Transaction Fee Structure
type: HowToStep
position: 1
text: Transaction Fee Structure: Stripe has 2.9% + $0.30 per transaction, while Adyen has 2.6% + fixed fee (varies by volume).

Consider: Global Payment Methods Supported
type: HowToStep
position: 2
text: Global Payment Methods Supported: Stripe has 135+ payment methods across 195+ countries, while Adyen has 250+ payment methods across 196 countries.

Consider: Developer Documentation Quality (GitHub Stars)
type: HowToStep
position: 3
text: Developer Documentation Quality (GitHub Stars): Stripe has 12,400+ stars on Stripe repos, while Adyen has 3,200+ stars on Adyen repos.

Consider: Enterprise Clients (Global 500)
type: HowToStep
position: 4
text: Enterprise Clients (Global 500): Stripe has ~200 Fortune 500 companies, while Adyen has ~280 Fortune 500 companies.

Consider: Settlement Time (Standard)
type: HowToStep
position: 5
text: Settlement Time (Standard): Stripe has 1-2 business days, while Adyen has Next business day or same day.

Consider: Setup Time for SMBs
type: HowToStep
position: 6
text: Setup Time for SMBs: Stripe has 15-30 minutes with API integration, while Adyen has 2-4 weeks with underwriting.

Consider: Pricing Transparency for Enterprise
type: HowToStep
position: 7
text: Pricing Transparency for Enterprise: Stripe has Fixed public rates (no negotiation), while Adyen has Custom negotiated rates (opaque).

claimreview
type: ClaimReview
language: en-US
is accessible for free: true
conditions of access: Free
claim reviewed: Stripe is better than Adyen
review body: Stripe dominates in developer experience and startup adoption with lower fees for most merchants (2.9% + 30¢ vs 2.6% + fixed), while Adyen excels in global enterprise payments with direct bank connections and better rates for high-volume merchants processing over $10M annually.
date published: 2026-03-29
date modified: 2026-08-18
review rating: Rating
  rating: MIXTURE
  best rating: TRUE
  worst rating: FALSE
  alternate name: Depends on use case — see analysis
author: A Versus B
publisher: A Versus B
item reviewed: Stripe is better than Adyen
  type: Claim
  language: en-US
  text: Stripe dominates in developer experience and startup adoption with lower fees for most merchants (2.9% + 30¢ vs 2.6% + fixed), while Adyen excels in global enterprise payments with direct bank connections and better rates for high-volume merchants processing over $10M annually.
  author: Internet consensus
  appearance: adyen-vs-stripe
  first appearance: adyen-vs-stripe

Average Settlement Time
type: PropertyValue
value: Stripe: 1-2 days | Adyen: Same-day or next-day
value reference: Adyen

Onboarding Time (SMB)
type: PropertyValue
value: Stripe: 0.5-2 days | Adyen: 14-28 days
value reference: Stripe

API Documentation Quality (GitHub Stars)
type: PropertyValue
value: Stripe: 12,400+ | Adyen: 3,200+
value reference: Stripe

Fortune 500 Customer Base
type: PropertyValue
value: Stripe: ~200 | Adyen: ~280
value reference: Adyen

Annual Transaction Volume Processed
type: PropertyValue
value: Stripe: $300+ | Adyen: $500+
value reference: Adyen

Countries/Regions Supported
type: PropertyValue
value: Stripe: 195+ | Adyen: N/A

Tax Compliance Automation
type: PropertyValue
value: Stripe: Manual; requires third-party integration | Adyen: N/A

Subscription Dunning Automation
type: PropertyValue
value: Stripe: Requires Stripe Billing addon | Adyen: N/A

API Learning Curve
type: PropertyValue
value: Stripe: Steep; requires advanced developer knowledge | Adyen: N/A

Average Chargeback Rate
type: PropertyValue
value: Stripe: 0.5-0.9% | Adyen: N/A

Fraud Detection
type: PropertyValue
value: Stripe: 3D Secure 2.0, Radar machine learning | Adyen: N/A

Annual Transaction Volume (2024)
type: PropertyValue
value: Stripe: $1.2 trillion | Adyen: $1.45 trillion
value reference: Adyen

Standard Transaction Fee
type: PropertyValue
value: Stripe: 2.2% + $0.30 | Adyen: 1.25-2.5%
value reference: Adyen

Direct Acquiring Licenses
type: PropertyValue
value: Stripe: 30+ countries | Adyen: 50+ countries
value reference: Adyen

Average API Response Time
type: PropertyValue
value: Stripe: 100-150ms | Adyen: 150-200ms
value reference: Stripe

Typical Implementation Timeline
type: PropertyValue
value: Stripe: 1-3 days | Adyen: 6-12 weeks
value reference: Stripe

Integration Marketplace Apps
type: PropertyValue
value: Stripe: 7,000+ apps | Adyen: 1,200+ apps
value reference: Stripe

Supported Currencies
type: PropertyValue
value: Stripe: 135+ currencies | Adyen: N/A

Official SDKs and Libraries
type: PropertyValue
value: Stripe: 50+ SDKs | Adyen: N/A

Monthly Minimum Fee
type: PropertyValue
value: Stripe: $0 | Adyen: $0

Settlement Time
type: PropertyValue
value: Stripe: 1-2 business days | Adyen: N/A

ACH Direct Transfer Fee
type: PropertyValue
value: Stripe: 0.8% | Adyen: N/A

Chargeback Fee
type: PropertyValue
value: Stripe: $15 | Adyen: N/A

Base Transaction Fee (US)
type: PropertyValue
value: Stripe: 2.2% | Adyen: 2.5-3.0%
value reference: Stripe

Fixed Transaction Fee (US)
type: PropertyValue
value: Stripe: $0.30 | Adyen: $0.35
value reference: Stripe

Countries with Direct Acquiring
type: PropertyValue
value: Stripe: 135+ | Adyen: 180+
value reference: Adyen

Payment Methods Supported
type: PropertyValue
value: Stripe: 135+ | Adyen: 250+
value reference: Adyen

Pre-Built Integrations
type: PropertyValue
value: Stripe: 135+ | Adyen: 120+
value reference: Stripe

Typical Implementation Time
type: PropertyValue
value: Stripe: 2-3 weeks | Adyen: 4-6 weeks
value reference: Stripe

Uptime SLA Guarantee
type: PropertyValue
value: Stripe: 99.99% | Adyen: 99.9%
value reference: Stripe

Fortune 500 Adoption Rate
type: PropertyValue
value: Stripe: 28% | Adyen: 40%
value reference: Adyen

Active Registered Users
type: PropertyValue
value: Stripe: N/A | Adyen: 500+ million (via partners)

Annual Payment Volume
type: PropertyValue
value: Stripe: N/A | Adyen: $520+ billion

Settlement Speed
type: PropertyValue
value: Stripe: N/A | Adyen: Real-time available

Supported Countries
type: PropertyValue
value: Stripe: N/A | Adyen: 190+ markets

Fraud Detection Accuracy
type: PropertyValue
value: Stripe: N/A | Adyen: 99.7%

Minimum Annual Volume Requirement
type: PropertyValue
value: Stripe: N/A | Adyen: $0.5-1M typical

API Integration Complexity
type: PropertyValue
value: Stripe: N/A | Adyen: 2-4 weeks enterprise

Per-Transaction Fixed Fee
type: PropertyValue
value: Stripe: N/A | Adyen: Included in percentage

Average Setup Time
type: PropertyValue
value: Stripe: N/A | Adyen: 14-28 days

Merchant User Base
type: PropertyValue
value: Stripe: N/A | Adyen: 7M+ merchants (2024)

Chargeback Protection
type: PropertyValue
value: Stripe: N/A | Adyen: 100% (eligible transactions)

SpeakableSpecification
css selector: #short-answer
css selector: #verdict
css selector: #key-differences
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Stripe — Wikipedia
type: CreativeWork

Adyen — Wikipedia
type: CreativeWork

Compare Stripe vs Adyen
type: Action
additional type: CompareAction
target: https://www.aversusb.net/compare/adyen-vs-stripe
object: Stripe
object: Adyen

Annual Transaction Volume (2024)
type: PropertyValue
value reference: Scale & Performance

Standard Transaction Fee
type: PropertyValue
value reference: Pricing

Direct Acquiring Licenses
type: PropertyValue
value reference: Infrastructure

Average API Response Time
type: PropertyValue
value reference: Performance

Typical Implementation Timeline
type: PropertyValue
value reference: Implementation

Integration Marketplace Apps
type: PropertyValue
value reference: Ecosystem

Supported Currencies
type: PropertyValue
value reference: Features

Official SDKs and Libraries
type: PropertyValue
value reference: Developer Experience

Monthly Minimum Fee
type: PropertyValue
value reference: Pricing

Settlement Time
type: PropertyValue
value reference: Operations

ACH Direct Transfer Fee
type: PropertyValue
value reference: Pricing

Chargeback Fee
type: PropertyValue
value reference: Pricing

Base Transaction Fee (US)
type: PropertyValue
value reference: Pricing

Fixed Transaction Fee (US)
type: PropertyValue
value reference: Pricing

Countries with Direct Acquiring
type: PropertyValue
value reference: Geographic Coverage

Payment Methods Supported
type: PropertyValue
value reference: Payment Options

Pre-Built Integrations
type: PropertyValue
value reference: Features

Typical Implementation Time
type: PropertyValue
value reference: Deployment Speed

Uptime SLA Guarantee
type: PropertyValue
value reference: Reliability

Fortune 500 Adoption Rate
type: PropertyValue
value reference: Enterprise

Active Registered Users
type: PropertyValue
value reference: Scale & Reach

Annual Payment Volume
type: PropertyValue
value reference: Scale & Reach

Settlement Speed
type: PropertyValue
value reference: Operations

Supported Countries
type: PropertyValue
value reference: Coverage

Fraud Detection Accuracy
type: PropertyValue
value reference: Security

Minimum Annual Volume Requirement
type: PropertyValue
value reference: Requirements

API Integration Complexity
type: PropertyValue
value reference: Integration

Per-Transaction Fixed Fee
type: PropertyValue
value reference: Pricing

Average Setup Time
type: PropertyValue
value reference: Usability

Merchant User Base
type: PropertyValue
value reference: Market Position

Chargeback Protection
type: PropertyValue
value reference: Risk Management