# Alternatives to Adyen

Enterprise unified commerce platform

Adyen ranks #2 of 13 in Payment processors, with an Alt Score of 93. It is proprietary and available on Web, iOS and Android. 12 of 13 checklist rows are verified against a public source.

Source: https://altcatalog.com/alternatives/adyen/
Category: Payment processors

## Overview

- **Who it's for**: Large and enterprise businesses that need to run payments and financial operations across markets and channels.
- **What you get**: A single fintech platform to run payments, manage transaction data, and offer financial products, purpose-built for large-scale global businesses.
- **How it works**: Businesses connect to Adyen's platform to process payments and access its data and financial-product capabilities from one unified system rather than stitching together separate providers.

## Profile

- **License**: Proprietary (verified 2026-07-12)
- **Pricing model**: Usage-based (verified 2026-07-12)
- **Starts at**: $0.13 + Interchange++ + 0.60% per transaction (cards) (verified 2026-07-12)
- **Platforms**: Web, iOS, Android
- **Status**: active (verified 2026-07-12)

## Ranked alternatives

| # | App | Alt Score | Licence | Platforms |
|---|-----|-----------|---------|-----------|
| 1 | [Stripe](https://altcatalog.com/alternatives/stripe.md) | 96 | Proprietary | Web, iOS, Android |
| 2 | [Mollie](https://altcatalog.com/alternatives/mollie.md) | 93 | Proprietary | Web, iOS, Android |
| 3 | [Square](https://altcatalog.com/alternatives/square.md) | 89 | Proprietary | Web, iOS, Android |
| 4 | [Checkout.com](https://altcatalog.com/alternatives/checkout-com.md) | 86 | Proprietary | Web, iOS, Android |
| 5 | [PayPal](https://altcatalog.com/alternatives/paypal.md) | 86 | Proprietary | Web, iOS, Android, Browser extension |
| 6 | [Braintree (PayPal)](https://altcatalog.com/alternatives/braintree.md) | 83 | Proprietary | Web, iOS, Android |
| 7 | [Helcim](https://altcatalog.com/alternatives/helcim.md) | 83 | Proprietary | Web, iOS, Android, Windows |
| 8 | [Razorpay](https://altcatalog.com/alternatives/razorpay.md) | 79 | Proprietary | Web, iOS, Android |
| 9 | [Worldpay](https://altcatalog.com/alternatives/worldpay.md) | 79 | Proprietary | Web, iOS, Android |
| 10 | [GoCardless](https://altcatalog.com/alternatives/gocardless.md) | 59 | Proprietary | Web |
| 11 | [Amazon Pay](https://altcatalog.com/alternatives/amazon-pay.md) | 55 | Proprietary | Web |
| 12 | [Authorize.net](https://altcatalog.com/alternatives/authorize-net.md) | 55 | Proprietary | Web, iOS, Android |

Alt Score = Verified coverage (90%) + Visibility (10%). See https://altcatalog.com/how-alt-score-works/

## Feature comparison

Legend: Yes / No / Partial / ? (not verified).

| Payment processors checklist | Adyen | Stripe | Mollie | Square | Checkout.com | PayPal |
|---|---|---|---|---|---|---|
| Pricing model | Usage-based | Usage-based | Usage-based | Usage-based | Usage-based | Usage-based |
| Starts at | $0.13 + Interchange++ + 0.60% per transaction (cards) | 2.9% + $0.30 per transaction | EUR 0.32 per transaction (iDEAL) | 2.9% + $0.30 per transaction | ? | 2.99% + $0.49 per transaction |
| License | Proprietary | Proprietary | Proprietary | Proprietary | Proprietary | Proprietary |
| Platforms | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android, Browser extension |
| Hosted checkout / payment links | Yes | Yes | Yes | Yes | Yes | Yes |
| Recurring billing & subscriptions | Yes | Yes | Yes | Yes | Yes | Yes |
| In-person / POS payments | Yes | Yes | Yes | Yes | ? | Yes |
| Local payment methods (wallets, bank debit) | Yes | Yes | Yes | Yes | Yes | Yes |
| Multi-currency settlement | Yes | Yes | Yes | No | Yes | Yes |
| Marketplace / split payments | Yes | Yes | Yes | Yes | Yes | Yes |
| Built-in fraud & risk tools | Yes | Yes | Yes | Yes | Yes | Yes |
| Dispute / chargeback management | Yes | Yes | Yes | Yes | Yes | Yes |
| Sales-tax calculation add-on | ? | Yes | ? | Yes | ? | ? |
| PCI DSS Level 1 | Yes | Yes | Yes | Yes | Yes | ? |
| Developer API & SDKs | Yes | Yes | Yes | Yes | Yes | Yes |
| Interchange++ / cost-plus pricing | Yes | Partial | Yes | Partial | Yes | Yes |
| Instant / fast payouts | Yes | Yes | Yes | Yes | Yes | Yes |

## Sources

Sources for Adyen. Each alternative is sourced on its own page.

- **Pricing model**: Usage-based — <https://www.adyen.com/pricing> (verified 2026-07-12)
  - Quote: “For each transaction, we charge a fixed processing fee + a fee determined by the payment method”
- **Starts at**: $0.13 + Interchange++ + 0.60% per transaction (cards) — <https://www.adyen.com/pricing> (verified 2026-07-12)
  - Quote: “$0.13 + Interchange+ + 0.60%”
- **License**: Proprietary — <https://www.adyen.com/pricing> (verified 2026-07-12)
  - Quote: “© 2026 Adyen”
- **Status**: active — <https://www.adyen.com/about> (verified 2026-07-12)
  - Quote: “4000+ employees & 115+ nationalities 28 offices around the world €970.1 BN in processed volume in 2023”
- **Platforms**: Web, iOS, Android — <https://www.adyen.com/online-payments> (verified 2026-07-12)
  - Quote: “Website payments In-browser payments for web and mobile. In-app payments Native mobile payment experiences.”
- **Hosted checkout / payment links**: Yes — <https://docs.adyen.com/unified-commerce/pay-by-link> (verified 2026-07-12)
  - Quote: “With Pay by Link, you can accept payments using payment links.”
- **Recurring billing & subscriptions**: Yes — <https://www.adyen.com/online-payments> (verified 2026-07-12)
  - Quote: “Online subscriptions One-click payments and recurring billing.”
- **In-person / POS payments**: Yes — <https://www.adyen.com/pos-payments> (verified 2026-07-12)
  - Quote: “Easily manage your point of sale setup”
- **Local payment methods (wallets, bank debit)**: Yes — <https://www.adyen.com/payment-methods> (verified 2026-07-12)
  - Quote: “Offer digital wallets, buy now pay later, vouchers, and more.”
- **Multi-currency settlement**: Yes — <https://www.adyen.com/pricing> (verified 2026-07-12)
  - Quote: “Flexible payouts Choose when and in which currency you want to settle.”
- **Marketplace / split payments**: Yes — <https://www.adyen.com/platform-payments> (verified 2026-07-12)
  - Quote: “Adyen for Platforms Embed payments into your platform or marketplace Let your users sign up, sell, and get paid all through one solution.”
- **Built-in fraud & risk tools**: Yes — <https://www.adyen.com/risk-management> (verified 2026-07-12)
  - Quote: “Discover a fraud detection and prevention solution powered by network-wide insights and machine learning technology.”
- **Dispute / chargeback management**: Yes — <https://www.adyen.com/knowledge-hub/understanding-chargebacks> (verified 2026-07-12)
  - Quote: “Because Adyen operates across the full payment stack, from authentication through to settlement and dispute management, it has access to data”
- **PCI DSS Level 1**: Yes — <https://docs.adyen.com/development-resources/pci-dss-compliance-guide/> (verified 2026-07-12)
  - Quote: “Adyen is a PCI DSS Level 1 Service Provider, with PCI DSS compliance assessed by an independent Qualified Security Assessor (QSA) annually.”
- **Developer API & SDKs**: Yes — <https://docs.adyen.com/development-resources/libraries> (verified 2026-07-12)
  - Quote: “We provide server-side API libraries in several languages.”
- **Interchange++ / cost-plus pricing**: Yes — <https://www.adyen.com/pricing> (verified 2026-07-12)
  - Quote: “Interchange++ is a pricing model which accurately tracks Interchange rates and scheme fees right down to a transaction level.”
- **Instant / fast payouts**: Yes — <https://www.adyen.com/payouts> (verified 2026-07-12)
  - Quote: “Send global payouts in real time”

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Ranked by verified data, never by who paid. https://altcatalog.com/trust/