Stripe vs Adyen Fees

Stripe vs Adyen — blended 2.9% + 30¢ vs interchange-plus 11¢ + interchange. Adyen wins at enterprise volume; Stripe wins on developer experience and SMB.

At a glance

Stripe US (public)
2.9% + 30¢ blended
Adyen US
Interchange + 11¢
Threshold for Adyen win
$1M+/mo, mature ops team

Stripe and Adyen target different segments. Stripe’s 2.9% + 30¢ is blended — flat for everyone. Adyen prices interchange-plus: actual card-network interchange (typically 1.5–2.0%) plus a fixed 11¢ Adyen margin. At enterprise volume, Adyen is meaningfully cheaper because actual interchange on regulated debit and corporate cards is much lower than 2.9%. At SMB scale, Adyen’s minimum fees and contract overhead make it impractical.

Frequently asked questions

When does Adyen beat Stripe on cost?
Around $1M+/mo in card volume — provided you have enough operational maturity to handle interchange-plus reconciliation. The savings on regulated debit cards alone (interchange is ~0.05% + $0.21) can be 100+ bps versus Stripe’s blended 2.9%.
Why do startups pick Stripe over Adyen?
Stripe’s developer experience, SMB-friendly self-serve onboarding, and predictable pricing. Adyen’s strengths (enterprise unified commerce, multi-acquirer routing, multi-currency settlement) don’t matter at startup scale.

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