Adyen vs Stripe
type: Article
description: Stripe dominates in developer experience and startup adoption with 135+ integrations and lower base fees starting at 2.2%, while Adyen leads in enterprise scale with direct acquiring licenses in 180+ countries and superior fraud prevention, serving 40% of Fortune 500 companies.
language: en-US
date published: 2026-07-09T15:32:02.388Z
date created: 2026-07-09T15:32:02.388Z
date modified: 2026-07-09T15:32:02.435Z
content reference time: 2026-07-09T15:32:02.435Z
author: A Versus B
publisher: A Versus B
about: Adyen
about: Stripe
abstract: Stripe dominates in developer experience and startup adoption with 135+ integrations and lower base fees starting at 2.2%, while Adyen leads in enterprise scale with direct acquiring licenses in 180+ countries and superior fraud prevention, serving 40% of Fortune 500 companies.
text: Geographic Reach & Acquiring. Base Transaction Fee. Enterprise Fraud Detection. Developer Integration Effort. Payment Methods Supported. Enterprise Client Base. Pricing Transparency
conclusion text: Choose Adyen if you're a large enterprise operating globally with complex fraud prevention needs, accepting luxury goods payments, or requiring direct acquiring relationships in 180+ countries—the investment in integration pays off with superior scale and local payment support. Choose Stripe if you're a startup or mid-market company prioritizing developer experience, faster implementation (2-3 weeks vs 4-6), transparent pricing, and ease of integration—its 99.99% uptime, lower base fees (2.2%), and massive ecosystem make it ideal for rapid growth.
additional property: Company Valuation
  type: PropertyValue
  value: Adyen: $33.8 billion | Stripe: $159 billion
  value reference: Stripe
additional property: Global Market Share
  type: PropertyValue
  value: Adyen: ~10-15% | Stripe: 20.8-29%
  value reference: Stripe
additional property: US Market Dominance
  type: PropertyValue
  value: Adyen: ~20-25% | Stripe: 45%
  value reference: Stripe
additional property: Omnichannel Capability
  type: PropertyValue
  value: Adyen: Online + offline integrated | Stripe: Online-focused only
additional property: Enterprise Readiness
  type: PropertyValue
  value: Adyen: Enterprise optimized | Stripe: Mid-market optimized
additional property: Developer Experience
  type: PropertyValue
  value: Adyen: Comprehensive enterprise APIs | Stripe: Excellent API documentation
additional property: Regulatory Compliance
  type: PropertyValue
  value: Adyen: Enterprise-grade compliance | Stripe: Industry standard compliance
additional property: Year Founded
  type: PropertyValue
  value: Adyen: 2006 | Stripe: 2010
  value reference: Adyen
additional property: Active Registered Users
  type: PropertyValue
  value: Adyen: 500+ million (via partners) | Stripe: N/A
additional property: Standard Transaction Fee
  type: PropertyValue
  value: Adyen: 1.25-2.5% | Stripe: 2.2% + $0.30
  value reference: Adyen
additional property: Annual Payment Volume
  type: PropertyValue
  value: Adyen: $520+ billion | Stripe: N/A
additional property: Settlement Speed
  type: PropertyValue
  value: Adyen: Real-time available | Stripe: N/A
additional property: Supported Countries
  type: PropertyValue
  value: Adyen: 190+ markets | Stripe: N/A
additional property: Fraud Detection Accuracy
  type: PropertyValue
  value: Adyen: 99.7% | Stripe: N/A
additional property: Minimum Annual Volume Requirement
  type: PropertyValue
  value: Adyen: $0.5-1M typical | Stripe: N/A
additional property: API Integration Complexity
  type: PropertyValue
  value: Adyen: 2-4 weeks enterprise | Stripe: N/A
additional property: Standard Transaction Fee (Card Payments)
  type: PropertyValue
  value: Adyen: 2.6% + custom (negotiable) | Stripe: 2.9% + $0.30
  value reference: Adyen
additional property: Supported Payment Methods
  type: PropertyValue
  value: Adyen: 250+ methods | Stripe: 135+ methods
  value reference: Adyen
additional property: Geographic Coverage
  type: PropertyValue
  value: Adyen: 190+ countries | Stripe: 195+ countries
  value reference: Stripe
additional property: Average Settlement Time
  type: PropertyValue
  value: Adyen: Same-day or next-day | Stripe: 1-2 days
  value reference: Adyen
additional property: Onboarding Time (SMB)
  type: PropertyValue
  value: Adyen: 14-28 days | Stripe: 0.5-2 days
  value reference: Stripe
additional property: API Documentation Quality (GitHub Stars)
  type: PropertyValue
  value: Adyen: 3,200+ | Stripe: 12,400+
  value reference: Stripe
additional property: Fortune 500 Customer Base
  type: PropertyValue
  value: Adyen: ~280 | Stripe: ~200
  value reference: Adyen
additional property: Annual Transaction Volume Processed
  type: PropertyValue
  value: Adyen: $500+ | Stripe: $300+
  value reference: Adyen
additional property: Annual Transaction Volume (2024)
  type: PropertyValue
  value: Adyen: $1.45 trillion | Stripe: $1.2 trillion
  value reference: Adyen
additional property: Direct Acquiring Licenses
  type: PropertyValue
  value: Adyen: 50+ countries | Stripe: 30+ countries
  value reference: Adyen
additional property: Average API Response Time
  type: PropertyValue
  value: Adyen: 150-200ms | Stripe: 100-150ms
  value reference: Stripe
additional property: Typical Implementation Timeline
  type: PropertyValue
  value: Adyen: 6-12 weeks | Stripe: 1-3 days
  value reference: Stripe
additional property: Integration Marketplace Apps
  type: PropertyValue
  value: Adyen: 1,200+ apps | Stripe: 7,000+ apps
  value reference: Stripe
additional property: Per-Transaction Fixed Fee
  type: PropertyValue
  value: Adyen: Included in percentage | Stripe: N/A
additional property: Countries Supported
  type: PropertyValue
  value: Adyen: 195+ | Stripe: 195 countries
additional property: Average Setup Time
  type: PropertyValue
  value: Adyen: 14-28 days | Stripe: N/A
additional property: Merchant User Base
  type: PropertyValue
  value: Adyen: 7M+ merchants (2024) | Stripe: N/A
additional property: Chargeback Protection
  type: PropertyValue
  value: Adyen: 100% (eligible transactions) | Stripe: N/A
additional property: Monthly Minimum Fee
  type: PropertyValue
  value: Adyen: $0 | Stripe: $0
additional property: Base Transaction Fee (US)
  type: PropertyValue
  value: Adyen: 2.5-3.0% | Stripe: 2.2%
  value reference: Stripe
additional property: Fixed Transaction Fee (US)
  type: PropertyValue
  value: Adyen: $0.35 | Stripe: $0.30
  value reference: Stripe
additional property: Countries with Direct Acquiring
  type: PropertyValue
  value: Adyen: 180+ | Stripe: 135+
  value reference: Adyen
additional property: Payment Methods Supported
  type: PropertyValue
  value: Adyen: 250+ | Stripe: 135+
  value reference: Adyen
additional property: Pre-Built Integrations
  type: PropertyValue
  value: Adyen: 120+ | Stripe: 135+
  value reference: Stripe
additional property: Typical Implementation Time
  type: PropertyValue
  value: Adyen: 4-6 weeks | Stripe: 2-3 weeks
  value reference: Stripe
additional property: Uptime SLA Guarantee
  type: PropertyValue
  value: Adyen: 99.9% | Stripe: 99.99%
  value reference: Stripe
additional property: Fortune 500 Adoption Rate
  type: PropertyValue
  value: Adyen: 40% | Stripe: 28%
  value reference: Adyen
additional property: In-Person Card Payment Fee
  type: PropertyValue
  value: Adyen: N/A | Stripe: 2.7% + $0.05
additional property: Customer Satisfaction Rating
  type: PropertyValue
  value: Adyen: N/A | Stripe: 4.8/5
additional property: Global Currency Support
  type: PropertyValue
  value: Adyen: N/A | Stripe: 135+
additional property: Bitcoin Processing Fees
  type: PropertyValue
  value: Adyen: N/A | Stripe: Standard rates apply
additional property: API Customization Level
  type: PropertyValue
  value: Adyen: N/A | Stripe: Highly Customizable
additional property: POS Hardware Included
  type: PropertyValue
  value: Adyen: N/A | Stripe: Terminal API (custom builds)
interactivity type: active
significant link: https://www.aversusb.net/entity/adyen
significant link: https://www.aversusb.net/alternatives/adyen
significant link: https://www.aversusb.net/entity/stripe
significant link: https://www.aversusb.net/alternatives/stripe
significant link: https://www.aversusb.net/api/answer/adyen-vs-stripe))
significant link: https://www.aversusb.net/api/v1/schema/adyen-vs-stripe))
related link: https://www.aversusb.net/compare/adyen-vs-stripe
related link: https://www.aversusb.net/compare/adyen-vs-stripe)
related link: https://www.aversusb.net/compare/braintree-vs-stripe
related link: https://www.aversusb.net/compare/stripe-vs-paddle
related link: https://www.aversusb.net/compare/paypal-vs-adyen
related link: https://www.aversusb.net/compare/stripe-vs-chargebee
related link: https://www.aversusb.net/compare/square-vs-stripe
related link: https://www.aversusb.net/compare/stripe-vs-paddle)
teaches: How to choose between Adyen and Stripe
genre: Software

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

A Versus B
type: Organization

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: Adyen vs Stripe
image: ImageObject
  caption: Adyen

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

Adyen vs Stripe — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for Adyen vs Stripe. 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: 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: Active Registered Users
  type: PropertyValue
  value reference: Scale & Reach
variable measured: Standard Transaction Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Annual Payment Volume
  type: PropertyValue
  value reference: Scale & Reach
variable measured: Settlement Speed
  type: PropertyValue
  value reference: Operations
variable measured: Supported Countries
  type: PropertyValue
  value reference: Coverage
variable measured: Fraud Detection Accuracy
  type: PropertyValue
  value reference: Security
variable measured: Minimum Annual Volume Requirement
  type: PropertyValue
  value reference: Requirements
variable measured: API Integration Complexity
  type: PropertyValue
  value reference: Integration
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: Annual Transaction Volume (2024)
  type: PropertyValue
  value reference: Scale & Performance
variable measured: Direct Acquiring Licenses
  type: PropertyValue
  value reference: Infrastructure
variable measured: Average API Response Time
  type: PropertyValue
  value reference: Performance
variable measured: Typical Implementation Timeline
  type: PropertyValue
  value reference: Deployment
variable measured: Integration Marketplace Apps
  type: PropertyValue
  value reference: Ecosystem
variable measured: Per-Transaction Fixed Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Countries Supported
  type: PropertyValue
  value reference: Global Reach
variable measured: Average Setup Time
  type: PropertyValue
  value reference: Usability
variable measured: Merchant User Base
  type: PropertyValue
  value reference: Market Position
variable measured: Chargeback Protection
  type: PropertyValue
  value reference: Risk Management
variable measured: Monthly Minimum Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Base Transaction Fee (US)
  type: PropertyValue
  value reference: Pricing
variable measured: Fixed Transaction Fee (US)
  type: PropertyValue
  value reference: Pricing
variable measured: Countries with Direct Acquiring
  type: PropertyValue
  value reference: Geographic Coverage
variable measured: Payment Methods Supported
  type: PropertyValue
  value reference: Payment Options
variable measured: Pre-Built Integrations
  type: PropertyValue
  value reference: Features
variable measured: Typical Implementation Time
  type: PropertyValue
  value reference: Deployment Speed
variable measured: Uptime SLA Guarantee
  type: PropertyValue
  value reference: Reliability
variable measured: Fortune 500 Adoption Rate
  type: PropertyValue
  value reference: Enterprise
variable measured: In-Person Card Payment Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Customer Satisfaction Rating
  type: PropertyValue
  value reference: Quality
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: 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: Implementation
variable measured: Countries with Tax Compliance
variable measured: Built-in Subscription Management
variable measured: Merchant of Record Model
variable measured: API Integrations & Plugins
variable measured: Customer Support Tier (Starter Plans)
variable measured: Online Transaction Fee
variable measured: In-Person Swipe/Chip Fee
variable measured: Monthly Base Cost
variable measured: Currencies Supported
is based on: https://www.aversusb.net/compare/adyen-vs-stripe))

Adyen vs Stripe — Attribute Category Vocabulary
type: DefinedTermSet
language: en-US
description: Taxonomy of attribute categories used to classify comparison data for Adyen vs Stripe.
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: Scale & Reach
has defined term: Pricing
has defined term: Operations
has defined term: Coverage
has defined term: Requirements
has defined term: Features
has defined term: Global Reach
has defined term: Implementation
has defined term: Developer Experience
has defined term: Enterprise Adoption
has defined term: Scale
has defined term: Scale & Performance
has defined term: Infrastructure
has defined term: Performance
has defined term: Deployment
has defined term: Ecosystem
has defined term: Usability
has defined term: Risk Management
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: Quality
has defined term: Cryptocurrency
has defined term: Ease of Use
has defined term: Customer Service
has defined term: Market
has defined term: Compliance
has defined term: Support
has defined term: Global Support
has defined term: Development

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Quality
type: DefinedTerm
term code: quality
in defined term set: Adyen vs Stripe — Attribute Category Vocabulary

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

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

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

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

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

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

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

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

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-07-09T15:32:02.435Z
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: Stripe has lower base fees (2.2% + 30¢ vs Adyen's 2.5-3.0% + variable fee). For a $100 transaction, Stripe costs $2.30 while Adyen costs $2.85–$3.35. However, Adyen's higher fees are offset by lower chargeback rates (0.8% vs Stripe's 1.2%) for high-volume enterprise merchants due to superior fraud prevention.
    language: en-US
main entity: Can I use Stripe internationally?
  type: Question
  accepted answer: Answer
    text: Yes, Stripe operates in 135+ countries with direct acquiring. However, Adyen supports 250+ payment methods across 180+ countries with direct licenses, making it superior for truly global merchants accepting region-specific methods like AliPay in China or Boleto in Brazil. Stripe relies on partnerships in some emerging markets.
    language: en-US
main entity: How long does implementation take?
  type: Question
  accepted answer: Answer
    text: Stripe's developer-friendly API and 135+ pre-built integrations enable 2-3 week implementations. Adyen typically takes 4-6 weeks due to more complex enterprise configurations, custom fraud rules, and multiple region setups. For rapid launches, Stripe wins; for complex enterprise requirements, Adyen's longer timeline ensures proper compliance setup.
    language: en-US
main entity: Which is better for fraud prevention?
  type: Question
  accepted answer: Answer
    text: Both offer advanced ML-based fraud detection (Adyen's native system vs Stripe's Radar), but Adyen's 99.9% uptime and specialized enterprise fraud models give it an edge for high-risk verticals (luxury goods, financial services). Stripe's 99.99% uptime is technically superior for availability. For most SMBs, both are adequate; enterprises prefer Adyen's risk scoring.
    language: en-US
main entity: Should I choose Adyen or Stripe for my business?
  type: Question
  accepted answer: Answer
    text: Choose Stripe if: you're a startup/SMB, need transparent pricing, rapid deployment (under 4 weeks), or operate primarily in North America/Western Europe. Choose Adyen if: you're processing 10M+ transactions/year, need payment methods across 180+ countries, require direct acquiring relationships, or serve luxury/high-risk verticals where fraud prevention justifies higher fees.
    language: en-US

How to Choose Between Adyen and Stripe
type: HowTo
description: Stripe dominates in developer experience and startup adoption with 135+ integrations and lower base fees starting at 2.2%, while Adyen leads in enterprise scale with direct acquiring licenses in 180+ countries and superior fraud prevention, serving 40% of Fortune 500 companies.
language: en-US
total time: PT3M
step: Consider: Geographic Reach & Acquiring
step: Consider: Base Transaction Fee
step: Consider: Enterprise Fraud Detection
step: Consider: Developer Integration Effort
step: Consider: Payment Methods Supported
step: Consider: Enterprise Client Base
step: Consider: Pricing Transparency
tool: A Versus B Comparison Guide
tip: HowToTip
  text: Choose Adyen if you're a large enterprise operating globally with complex fraud prevention needs, accepting luxury goods payments, or requiring direct acquiring relationships in 180+ countries—the investment in integration pays off with superior scale and local payment support. Choose Stripe if you're a startup or mid-market company prioritizing developer experience, faster implementation (2-3 weeks vs 4-6), transparent pricing, and ease of integration—its 99.99% uptime, lower base fees (2.2%), and massive ecosystem make it ideal for rapid growth.

Consider: Geographic Reach & Acquiring
type: HowToStep
position: 1
text: Geographic Reach & Acquiring: Adyen has Direct acquiring in 180+ countries, operates as acquirer, while Stripe has Direct acquiring in 135+ countries, primarily partnership-based.

Consider: Base Transaction Fee
type: HowToStep
position: 2
text: Base Transaction Fee: Adyen has 2.5-3.0% + fixed fee (varies by region), while Stripe has 2.2% + 30¢ (standard US rate).

Consider: Enterprise Fraud Detection
type: HowToStep
position: 3
text: Enterprise Fraud Detection: Adyen has Advanced ML-based fraud prevention, 99.9% uptime SLA, while Stripe has Radar machine learning fraud tools, 99.99% uptime SLA.

Consider: Developer Integration Effort
type: HowToStep
position: 4
text: Developer Integration Effort: Adyen has 120+ pre-built integrations, 4-6 week average implementation, while Stripe has 135+ pre-built integrations, 2-3 week average implementation.

Consider: Payment Methods Supported
type: HowToStep
position: 5
text: Payment Methods Supported: Adyen has 250+ payment methods globally, while Stripe has 135+ payment methods globally.

Consider: Enterprise Client Base
type: HowToStep
position: 6
text: Enterprise Client Base: Adyen has 40% of Fortune 500, serves luxury/enterprise vertical, while Stripe has 28% of Fortune 500, serves startups/mid-market primary.

Consider: Pricing Transparency
type: HowToStep
position: 7
text: Pricing Transparency: Adyen has Custom pricing requires enterprise sales call, while Stripe has Public pricing, discounts available via dashboard.

claimreview
type: ClaimReview
is accessible for free: true
conditions of access: Free
claim reviewed: Adyen vs Stripe
review body: Stripe dominates in developer experience and startup adoption with 135+ integrations and lower base fees starting at 2.2%, while Adyen leads in enterprise scale with direct acquiring licenses in 180+ countries and superior fraud prevention, serving 40% of Fortune 500 companies.
review rating: Rating
  rating: 5
  worst rating: 1
  best rating: 5
  alternate name: Verified Comparison
author: A Versus B
item reviewed: Adyen vs Stripe

Setup Complexity
type: PropertyValue
value: Adyen: N/A | Stripe: Complex (requires developers)

Transaction Fee (Credit Card)
type: PropertyValue
value: Adyen: N/A | Stripe: 2.9% + $0.30

ACH Transfer Fee
type: PropertyValue
value: Adyen: N/A | Stripe: 0.8% (max $5)

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

API Documentation Quality
type: PropertyValue
value: Adyen: N/A | Stripe: Excellent, comprehensive, interactive

Payment Methods Supported
type: PropertyValue
value: Adyen: N/A | Stripe: 45+

Subscription Management
type: PropertyValue
value: Adyen: N/A | Stripe: Advanced with usage-based billing

Dispute Resolution Time
type: PropertyValue
value: Adyen: N/A | Stripe: 20-45

Annual Transaction Volume (2026)
type: PropertyValue
value: Adyen: N/A | Stripe: 800+

Transaction Fee (Standard US Payment)
type: PropertyValue
value: Adyen: N/A | Stripe: 2.9% + $0.30

Average Implementation Time
type: PropertyValue
value: Adyen: N/A | Stripe: 4-6 weeks (developer-required)

Countries with Tax Compliance
type: PropertyValue
value: Adyen: N/A | Stripe: Manual per-region (limited native support)

Built-in Subscription Management
type: PropertyValue
value: Adyen: N/A | Stripe: Available via Billing product (separate setup)

Merchant of Record Model
type: PropertyValue
value: Adyen: N/A | Stripe: Merchant handles compliance

API Integrations & Plugins
type: PropertyValue
value: Adyen: N/A | Stripe: 1000+ via App Marketplace

Customer Support Tier (Starter Plans)
type: PropertyValue
value: Adyen: N/A | Stripe: Email + community documentation

Online Transaction Fee
type: PropertyValue
value: Adyen: N/A | Stripe: 2.2% + $0.30

In-Person Swipe/Chip Fee
type: PropertyValue
value: Adyen: N/A | Stripe: 2.7% + $0.05

Monthly Base Cost
type: PropertyValue
value: Adyen: N/A | Stripe: $0 (pay-per-transaction)

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

Offline Payments
type: PropertyValue
value: Adyen: N/A | Stripe: Not available

API Documentation Rating
type: PropertyValue
value: Adyen: N/A | Stripe: 4.8/5 (Developer-first design)

Active Merchants
type: PropertyValue
value: Adyen: N/A | Stripe: 3+ million (2024)

Card Payment Fee (Standard Rate)
type: PropertyValue
value: Adyen: N/A | Stripe: 2.9% + $0.30

Monthly Base Fee (Minimum)
type: PropertyValue
value: Adyen: N/A | Stripe: $0

Native Revenue Recognition (ASC 606)
type: PropertyValue
value: Adyen: N/A | Stripe: Manual/Third-party integration required

Dunning Retry Channels
type: PropertyValue
value: Adyen: N/A | Stripe: 1-2 (email, webhook)

Failed Payment Recovery Rate
type: PropertyValue
value: Adyen: N/A | Stripe: 65-70% (with custom logic)

Subscription Management Features (Native)
type: PropertyValue
value: Adyen: N/A | Stripe: 20-30 (requires Billing API integration)

Payment Method Coverage
type: PropertyValue
value: Adyen: N/A | Stripe: 195 countries, 150+ methods

API Response Time (p95)
type: PropertyValue
value: Adyen: N/A | Stripe: 150ms

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

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

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

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

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

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

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

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

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

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

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

SpeakableSpecification
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Adyen — Wikipedia
type: CreativeWork

Stripe — Wikipedia
type: CreativeWork

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

Countries with Tax Compliance
type: PropertyValue
value reference: Compliance

Built-in Subscription Management
type: PropertyValue
value reference: Features

Merchant of Record Model
type: PropertyValue
value reference: Compliance

API Integrations & Plugins
type: PropertyValue
value reference: Ecosystem

Customer Support Tier (Starter Plans)
type: PropertyValue
value reference: Support

Online Transaction Fee
type: PropertyValue
value reference: Pricing

In-Person Swipe/Chip Fee
type: PropertyValue
value reference: Pricing

Monthly Base Cost
type: PropertyValue
value reference: Pricing

Currencies Supported
type: PropertyValue
value reference: Global Support

Offline Payments
type: PropertyValue
value reference: Features

API Documentation Rating
type: PropertyValue
value reference: Developer Experience

Active Merchants
type: PropertyValue
value reference: Market Position

Card Payment Fee (Standard Rate)
type: PropertyValue
value reference: Pricing

Monthly Base Fee (Minimum)
type: PropertyValue
value reference: Pricing

Native Revenue Recognition (ASC 606)
type: PropertyValue
value reference: Features

Dunning Retry Channels
type: PropertyValue
value reference: Features

Failed Payment Recovery Rate
type: PropertyValue
value reference: Performance

Subscription Management Features (Native)
type: PropertyValue
value reference: Features

Payment Method Coverage
type: PropertyValue
value reference: Features

API Response Time (p95)
type: PropertyValue
value reference: Performance

Countries/Regions Supported
type: PropertyValue
value reference: Global Reach

Tax Compliance Automation
type: PropertyValue
value reference: Features

Subscription Dunning Automation
type: PropertyValue
value reference: Features

API Learning Curve
type: PropertyValue
value reference: Development

Average Chargeback Rate
type: PropertyValue
value reference: Risk Management

Fraud Detection
type: PropertyValue
value reference: Security

Supported Currencies
type: PropertyValue
value reference: Features

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

Settlement Time
type: PropertyValue
value reference: Operations

ACH Direct Transfer Fee
type: PropertyValue
value reference: Pricing

Chargeback Fee
type: PropertyValue
value reference: Pricing