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Stripe vs Adyen: Ultimate Payment Gateway Face-Off!

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Stripe vs Adyen: Ultimate Payment Gateway Face-Off!

Payment gateways have become indispensable for e-commerce businesses, serving as the conduit between online stores and banks to facilitate digital transactions. With the expansion of the e-commerce sector in the last decade, the reliance on payment gateways to ensure the seamless and secure handling of online payments has significantly increased.

In this Stripe vs Adyen comparison, we’ll take a look at these two payment gateways for internet-based businesses. Stripe, established in 2010, has won the favor of small businesses and startups due to its simplicity in integration and pricing structure. On the other hand, Adyen, which started its operations in 2006, is celebrated for its sophisticated features and global accessibility, rendering it suitable for larger corporations.

Both Stripe and Adyen have significantly contributed to the evolution of e-commerce by bolstering online payments and empowering businesses to extend their reach globally.

This Stripe vs Adyen comparison is designed to help online merchants in grasping the essential functions, fees, and capabilities of these leading payment gateways. By delineating the advantages and disadvantages of both Stripe and Adyen, e-commerce entrepreneurs can make an informed decision on the most fitting payment processing solution for their specific business requirements.

Understanding Payment Gateways

A payment gateway serves as a crucial link between an e-commerce business and various financial institutions, including banks and payment processors. It enables online businesses to process payments through their website or mobile application, accepting various forms of payment like credit cards, debit cards, and digital wallets from customers.

The primary function of a payment gateway is to authorize credit card transactions instantly by verifying them with the issuing bank. It also facilitates the transfer of funds from customers to merchants and ensures the security of sensitive information.

By enabling secure online transactions, payment gateways offer several features and integrations that are beneficial for online store owners. When selecting a payment gateway, e-commerce businesses should take into account several factors:

  • Payment methods - It’s important that the gateway supports all significant credit cards, debit cards, and widely used digital wallets in your target markets.
  • Reliability & uptime - High uptime and quick response times are crucial to prevent any transaction interruptions.
  • Transaction rates & fees - It’s wise to compare the costs, including setup fees, monthly charges, and transaction fees. This helps in determining the overall expenses.
  • Fraud prevention & security - Having strong security measures and adhering to industry standards is essential for protection.
  • Global reach & multi-currency - For businesses operating internationally, it’s important to accept various payment methods and multiple currencies.
  • Integration & API - Ease of integration with your e-commerce platform, accounting software, CRM, and other business systems is a must.
  • Reporting & analytics - Access to detailed transaction reports, reconciliation, and metrics is vital for financial management.
  • Customer support - Dependable customer service and technical support are crucial for peace of mind.
  • Scalability - It’s important to choose a gateway that can support your business’s growth and handle increasing transaction volumes.

Making the right choice in a payment gateway is critical for online businesses. Understanding both your needs and what the gateway offers, helps in making an informed decision that suits your business best.

Stripe: An Overview

Before we compare Stripe vs Adyen, let’s take a look at what Stripe has to offer.

Stripe stands out as a leading payment processing platform tailored for internet businesses. Established in 2010, it provides services to millions of companies across more than 100 countries, making it a preferred choice for business operations globally. The platform is renowned for features such as:

  • Global Payments Infrastructure: It offers the capability for companies to receive payments from customers worldwide, supporting over 135 currencies and facilitating international expansion with ease.
  • Recurring Billing: It enables companies to implement recurring payments and subscriptions, aiding in the establishment of stable revenue streams.
  • Fraud Protection: Stripe offers advanced machine learning algorithms, they play a crucial role in monitoring transactions and detecting fraudulent activities in real-time. Thereby safeguarding businesses from potential revenue losses.
  • Easy Integration: It boasts seamless integration capabilities with leading e-commerce platforms, including Shopify and WooCommerce. It further offers easy API integration for businesses seeking custom-tailored solutions.
  • Dashboard and Analytics: Companies gain access to comprehensive analytics and reports through Stripe’s dashboard. This offers insights into transactions, payments, customers, and more, thus enhancing visibility into business operations.
  • Developer Tools: Stripe caters to technology companies with its extensive set of APIs and SDKs, allowing for the customization of payment experiences.
  • Brand Reputation: Trusted by major companies such as Amazon, Salesforce, Lyft, and Instacart, Stripe’s strong brand reputation instills confidence in businesses opting to use its services.

With a focus on facilitating global sales, ensuring recurring revenue, and providing insightful data analytics, Stripe’s user-friendly interface, robust suite of tools, and adoption by rapidly growing companies position it as the preferred payment gateway for modern internet businesses.

Adyen Overview

Adyen, established in Amsterdam in 2006, has evolved rapidly to stand as a leading payment processor for numerous prestigious enterprises worldwide.

This payment company distinguishes itself through various key features:

  • Omnichannel payments - It facilitates smooth payment processing across diverse sales channels such as in-store, online, and mobile environments, offering a cohesive transaction management experience.
  • Global reach - With the capacity to accept over 250 payment methods, Adyen empowers businesses to pursue international expansion through its unified platform and single merchant account. Thereby streamlining global commerce.
  • Data insights - It delivers comprehensive reporting and analytics on shopper behavior. It also offers transaction data to aid merchants in refining their sales strategies.
  • Fraud prevention - Leveraging advanced algorithms and artificial intelligence, Adyen effectively identifies and minimizes fraud and chargebacks, enhancing revenue security.
  • Customizability - Adyen’s highly adaptable platform enables deep integration with a merchant’s technological infrastructure. Its flexible APIs support bespoke payment processes.

Prominent enterprises such as eBay, Uber, Spotify, Microsoft, and L’Oreal rely on Adyen, underscoring its attractiveness to high-volume merchants seeking adaptable payment solutions and complex e-commerce capabilities. Its proficiency in handling advanced data tools and offering integrated omnichannel capabilities is particularly beneficial for enterprise retailers.

Adyen is an ideal solution for various business scenarios, including:

  • Global e-commerce firms venturing into new markets
  • Enterprise retailers requiring sophisticated omnichannel solutions
  • Companies processing large volumes of high-risk transactions
  • Platforms in need of seamless localization of payments
  • Merchants desiring enhanced control over their payment procedures

With its emphasis on omnichannel payments and insightful customer data, Adyen supports enterprise-level businesses in achieving intelligent revenue growth through robust payment facilities.

Feature Comparison: Stripe vs Adyen

The comparison between Stripe vs Adyen can significantly impact the decision-making process for an e-commerce business. This analysis provides a side-by-side look at what each payment gateway offers.

Payment Methods


Stripe provides support for most prominent credit and debit cards, including Visa, Mastercard, American Express, Discover, JCB, and Diners Club International. Additionally, it facilitates local payment methods in more than 25 countries.


Adyen offers support for over 250 local and alternative payment methods globally, with notable options such as Apple Pay, Google Pay, Klarna, and PayPal.


When it comes to serving businesses with an international clientele, Adyen presents a significant edge in terms of global payment acceptance, although Stripe efficiently encompasses the major card networks.

Global Reach


Stripe boasts availability in more than 35 countries, spanning the U.S., Canada, U.K., a majority of Europe, Australia, New Zealand, Singapore, Hong Kong, among others.


Adyen commands a broader global footprint, offering its services in over 40 countries across six continents, and notably includes Brazil, Mexico, Argentina, South Africa, Malaysia, and the Middle East in its portfolio, areas not covered by Stripe.


For those seeking widespread global coverage, Adyen emerges as the preferable option, although Stripe also covers a substantial portion of the leading e-commerce markets.

User Experience


Stripe is recognized for its straightforward and user-friendly interface, offering an easy way to manage payments and access reports.


Similarly, Adyen emphasizes ease of use with its clean dashboard layout and simple tools, though some users may initially find it a bit more challenging compared to Stripe.


When it comes to quickly integrating payment solutions, Stripe takes a slight lead for those new to the platform. However, Adyen provides an equivalent level of usability with continued use.

Pricing Structure: A Cost Analysis

Transaction Fees

When discussing transaction fees, it’s noted that there are both similarities and differences between Stripe and Adyen:


Stripe implements a fee of 2.9% + $0.30 for online transactions and for in-person transactions when a Stripe reader is used.


The transaction fees with Adyen fluctuate based on the chosen payment method and the location of the merchant, usually falling between 1.5%-2.5% + $0.10-$0.30 for each online transaction. For in-person transactions, the rates are tailored to individual needs.


Both companies provide opportunities for reduced rates to merchants who process over $1 million annually.

Additional Costs

Beyond the basic transaction fees that Stripe and Adyen charge, there are additional costs to consider:


Stripe imposes a monthly fee for their Point of Sale (POS) hardware, with the entry-level reader costing $29 per month. For those requiring more comprehensive setups, bundles including an iPad and accessories are available, with prices ranging from $59 to $199 per month.


Adyen implements a monthly minimum fee that varies between $25 and $50, based on the merchant’s processing volume. Should a merchant’s account fall below this threshold, they are liable for the shortfall.


Access to advanced features offered by both Stripe and Adyen, such as marketplace payments, recurring billing, and business analytics, incurs additional fees. Depending on the specific feature, these range from 0.5% to 2% per transaction. Merchants should also account for potential fees related to disputes, refunds, insufficient funds, and other unforeseeable expenses, which differ in cost between the providers.

When comparing the overall expense of using Stripe vs Adyen, it’s important to look beyond merely their transaction fees. A thorough estimation of expected monthly processing volumes and necessary feature sets is essential.

Integration and Compatibility

Stripe and Adyen both offer easy integration with primary e-commerce platforms such as Shopify, WooCommerce, BigCommerce, and Magento. Their respective plugins and extensions facilitate quick installation and setup.

For Shopify users, Stripe provides an integration that automatically syncs orders and payments. On the other hand, Adyen allows for a deep integration that enables merchants to store customer details for a faster checkout experience.

With WooCommerce, Stripe grants access to an official extension supported fully, whereas Adyen offers an API-based integration that operates seamlessly, making both highly preferred by WooCommerce merchants.

Regarding platforms like BigCommerce and Magento, both Stripe and Adyen deliver plugins that connect easily, requiring minimal development effort, and are capable of managing complex payment requirements on enterprise-grade platforms.

Furthermore, besides e-commerce, Stripe and Adyen can also be integrated with accounting and reconciliation platforms such as QuickBooks, Xero, and NetSuite. Their APIs support integration with CRM, marketing, and other systems, exhibiting extensive compatibility and integrations suitable for a modern technological stack.

While Stripe boasts hundreds of extensions for platforms including Slack, Salesforce, Hubspot, Adyen also connects with leading software tools, albeit Stripe presents a broader scope of integrations. Nonetheless, for most applications, both provide adequate compatibility.

In assessing integration and compatibility options, Stripe and Adyen emerge as leading choices. The decision ultimately hinges on the specific platforms and tools a business employs, but the vast resources offered by both vendors ensure seamless integrations.

Security and Compliance

The importance of security can never be overstated, making it essential for businesses to select a payment gateway known for its strong security measures and adherence to industry standards.

Both Stripe and Adyen are notable for implementing advanced security protocols and infrastructures that safeguard transactions and protect customer data.

Stripe is recognized for its strict security protocols, which include end-to-end encryption, tokenization of card data, and comprehensive fraud monitoring.

It boasts certification to PCI Service Provider Level 1, representing the highest standard in the payment card industry, alongside compliance with the EU-US Privacy Shield for secure data transfers between the EU and the US.

Similarly, Adyen places a high priority on security within its technology framework and physical data centers. It ensures sensitive data is encrypted and tokenized in line with the most current industry standards. Adyen complies with PCI DSS requirements and holds certifications for system and organization control, including SOC 1, SOC 2, and SOC 3.

Both payment processors are committed to compliance, allowing merchants to accept payments and operate within global regulatory frameworks. They are consistently updating their offerings to stay in step with evolving regulations and compliance requirements across various regions and sectors.

Utilizing either of these payment processors, online businesses can offer their customers peace of mind, assuring them of the security of their transactions. Although Adyen may present a more robust security infrastructure and broader compliance capabilities, particularly suited for businesses with higher risk profiles, Stripe and Adyen alike deliver adequate security and compliance for the majority of ecommerce merchants to securely process payments online.

Customer Support

When comparing customer service and support resources, both Stripe and Adyen strive to offer multiple avenues of assistance to their users. Despite their efforts, there are notable differences in the support provided by each company.

Stripe is renowned for its exceptional customer service. It provides users with round-the-clock access to phone and chat support, ensuring that any issues are addressed swiftly. In addition, Stripe offers email support and houses an online help center filled with comprehensive documentation, FAQs, guides, and helpful tips. For developers, support is available through forums and Stack Overflow integration, alongside regular updates on products, release notes, and a variety of educational resources.

On the other hand, Adyen offers email and phone support, though its chat services are limited to European business hours. Its help center includes documentation and FAQs for self-service information and delivers customer service in several languages. Based on user feedback, Adyen’s support channels do not appear as robust or prompt in response compared to Stripe’s.

In the realm of user education, Stripe takes the lead with its comprehensive radar resource center that includes ebooks, videos, podcasts, and more, enabling users to broaden their knowledge base. While Adyen does offer webinars and ebooks, its educational offerings are not as extensive.

In summary, Stripe’s superior customer service infrastructure and abundant support resources position it as the preferred option for a majority of e-commerce businesses. Meanwhile, there is room for improvement in Adyen’s customer service to reach the level of responsive support and user education provided by Stripe.

Final Thoughts

Selecting the appropriate payment gateway is crucial for any e-commerce venture. A comparison between Stripe vs Adyen indicates that both payment solutions offer unique advantages. However, certain factors can guide businesses in deciding which one aligns better with their needs.

Stripe is particularly noted for its simplicity and user-friendliness. With its intuitive interface, comprehensive documentation, extensive integration options, and excellent customer service. It stands out as a preferred choice for small businesses at the beginning of their journey. Moreover, its wide range of features ensures it can accommodate the needs of a growing business.

On the other hand, Adyen is distinguished by its proficiency in handling international payments and supporting large-scale e-commerce operations. Companies with a global customer base will find Adyen’s extensive country coverage and support for various localized payment methods immensely valuable.

Additionally, its strong focus on risk management and automation is beneficial for merchants dealing with high volumes of transactions.

For businesses primarily operating within the United States or those that value a straightforward approach from the start, Stripe offers significant advantages with its user-friendly dashboard and exceptional customer support. However, as a business’s scale enlarges to encompass international transactions or an increase in processing volumes, exploring Adyen becomes advisable.

Ultimately, it’s important for businesses to assess their model, anticipated markets, growth aspirations, and risk management preferences carefully. Comparing the fees, functionalities, and reputations of each service is critical. Executing test transactions to verify smooth integration and consulting reviews from similar enterprises can assist in making an informed decision on whether Stripe or Adyen better serves as the e-commerce payment gateway of choice.

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By Abhishek Sebin profile image Abhishek Sebin
Updated on
ecommerce payment gateways stripe vs adyen online payments