Fintech companies: Adyen vs. Stripe

Quick Verdict

Both Adyen and Stripe are robust payment gateways suitable for different types of businesses. Stripe is generally a better choice for startups and smaller businesses due to its ease of use and simpler pricing. Adyen is often a better fit for larger enterprises with complex needs, high transaction volumes, and in-house technical expertise.

• **Target Audience:** Adyen is better suited for larger businesses with in-house technical expertise due to its complex initial setup and customization options. Stripe is more accessible to a wider range of businesses, including those without dedicated technical resources, due to its developer-friendly API and pre-built integrations.
• **Pricing:** Adyen uses an Interchange++ pricing model, which can be more cost-effective for high-volume transactions, but also more complex to understand. Stripe uses a simpler, flat-rate pricing model, which is easier to understand but may be more expensive for high-volume transactions.
• **Global Reach:** Both platforms offer global payment processing capabilities, but Stripe supports slightly fewer currencies (135+) compared to Adyen (150+).
• **Payment Methods:** Adyen supports a greater number of payment methods (250+) compared to Stripe, including many local payment methods.
• **Fraud Prevention:** Both platforms offer advanced fraud detection tools using machine learning.
• **Integrations:** Both platforms integrate with popular e-commerce platforms, but Adyen also integrates with enterprise-level platforms like SAP Commerce Cloud and Oracle.