Adyen vs Stripe: Pricing Comparison 2026
Side-by-side pricing comparison of Adyen and Stripe. See all plans, features, and costs at a glance.
Bottom line: Adyen starts at $0.13/mo, making it $13/mo cheaper than Stripe ($13/mo). Stripe offers a free plan.
Last updated: June 15, 2026
Adyen vs Stripe: Quick Pricing Facts
| Feature | Adyen | Stripe |
|---|---|---|
| Starting Price | $0.13/mo | $13/mo |
| Number of Plans | 2 | 9 |
| Free Tier | No | Yes |
| Pricing Model | usage-based | usage-based |
| Annual Discount | N/A | N/A |
Adyen is the more affordable option, starting at $0.13/mo compared to Stripe's $13/mo. Both are Payment & Billing tools with 11 combined pricing plans and 26 features compared.
Stripe stands out with a free plan for getting started.
Review the detailed tier-by-tier comparison above to see exactly which features are included at each price point and find the best fit for your Payment & Billing needs.
| Pricing Plans |  Adyen Try free |  Stripe Try free |
|---|---|---|
| Tier 1 | Processing fee $0/month | |
| Tier 2 | Payment method fee Custom pricing | Standard Pricing Custom pricing Includes
|
| Tier 3 | - | Managed Payments Custom pricing Includes
|
| Tier 4 | - | Billing $500/monthCheapest $42 / year Includes
|
| Tier 5 | - | Tax Complete $80/monthCheapest $7 / year Includes
|
| Tier 6 | - | Stripe Sigma $13/monthCheapest $1 / year Includes
|
| Tier 7 | - | Data Pipeline $57/monthCheapest $5 / year Includes
|
| Tier 8 | - | Revenue Recognition $20/monthCheapest $2 / year Includes
|
| Tier 9 | - | Custom Pricing Custom pricing Includes
|
← Swipe to compare plans →
Ready to get started? Try either tool free — no credit card required.
Which Should You Choose?
Choose Adyen if:
- •You need unified commerce that connects online, in-store, and mobile payments on one platform
- •Global payment processing with local acquiring in 30+ countries improves authorization rates
- •Revenue optimization through machine learning routes transactions to the best-performing acquirer
- •Your enterprise processes millions of transactions and benefits from interchange++ pricing
Choose Stripe if:
- •You want the best developer experience for online payments with extensive documentation and libraries
- •Stripe's product breadth - Payments, Billing, Connect, Atlas, Radar - creates a complete financial platform
- •Your business model involves subscriptions, marketplace payments, or multi-party payouts
- •Stripe's transparent pricing at 2.9% + $0.30 per transaction requires no sales negotiation to start
Adyen and Stripe are both premium payment platforms, but they optimize for different merchant profiles. Adyen serves large enterprises with omnichannel needs: local acquiring in 30+ countries, unified commerce (online + in-store), and interchange++ pricing for volume merchants. Minimum processing volumes apply. Stripe serves businesses of all sizes: 2.9% + $0.30 per transaction. No minimums, no monthly fees. Stripe's product suite includes Payments, Billing (subscriptions), Connect (marketplace payments), Atlas (incorporation), Radar (fraud), and Terminal (in-person payments). Adyen's advantage: payment optimization at scale. Local acquiring means a European cardholder's payment is processed in Europe rather than cross-border - improving approval rates and reducing costs. Revenue optimization routes each transaction to the best-performing acquirer. For enterprises processing $100M+/year, these optimizations deliver meaningful margin improvement. Stripe's advantage: developer experience and product breadth. Stripe's documentation sets the industry standard. The product suite covers every payment need: one-time charges, subscriptions, metered billing, marketplace splits, and in-person payments. Starting with Stripe requires no sales conversation and no minimum volume. For enterprises with high volume, omnichannel needs, and global acquiring optimization, Adyen delivers measurable payment performance improvements. For startups, SaaS companies, and businesses that value developer experience and product breadth, Stripe is the standard platform.
Frequently Asked Questions: Adyen vs Stripe
Which is cheaper, Adyen or Stripe?
How many pricing plans does Adyen have vs Stripe?
Does Adyen or Stripe offer a free plan?
Can I save money by paying annually for Adyen or Stripe?
Does Adyen or Stripe offer custom enterprise pricing?
How do Adyen and Stripe compare for Payment & Billing?
Sources
- Adyen Official Pricing- Vendor pricing page
- Stripe Official Pricing- Vendor pricing page
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