# Adyen as a Stripe alternative Title: Adyen: Stripe alternative Description: Adyen: Custom, interchange-plus. Dispute Quoted. Acquirer. Checked November 9, 2026 on the provider page. Compared with Stripe before you switch. Adyen is a acquirer. On November 9, 2026 the rate line is Custom, interchange-plus. The dispute line is Quoted. Confirm the billed row before you leave Stripe. The provider's own page is the figure a contract will follow. This page does not fill a blank from a third-party article. ## What is Adyen? Adyen is a global acquirer used mainly by larger merchants. It does not publish a US flat rate comparable to Stripe's 2.9% + $0.30. Pricing is interchange-plus and quoted. Adyen sells enterprise acquiring: local methods, point of sale, and platforms, priced as interchange plus a markup Adyen quotes. Because there is no public US flat rate, Adyen is absent from the fee calculator. Compare it with Stripe on contract terms, payment-method coverage, and whether your volume earns a quote, not on a list price this site would have to invent. ## Who should choose Adyen? Adyen fits: Large businesses that want interchange-plus pricing and one acquirer in many countries. A listing here is not an approval, and a published rate is not a quote. ## Who should look elsewhere? What Adyen replaces: The processor for a business large enough to be quoted. Not a replacement for a weekend signup. Look elsewhere when you need something outside that. Underwriting: Sales process and underwriting. Not instant self-serve for a typical small account. ## How does Adyen charge? Adyen has 0 public standard fee lines in this dataset on November 9, 2026. The headline on the profile is "Custom, interchange-plus" because no single list price was transcribed. Use Adyen's pricing page for any number this dataset left blank. A blank is not zero. ## What does Adyen cost at $10,000, $100,000, and $1 million a month? The arithmetic below uses a $50 average ticket and successful charges only. It is not a quote for international cards or disputes. Adyen does not have a public standard rate in this dataset, so there is no dollar total at $10,000.00, $100,000.00, or $1,000,000.00. Stripe at those volumes, on 2.9% + $0.30 and a $50 ticket, is $10,000.00 → $350.00 (200 × $0.30 + 2.9% of $10,000.00); $100,000.00 → $3,500.00 (2000 × $0.30 + 2.9% of $100,000.00); $1,000,000.00 → $35,000.00 (20000 × $0.30 + 2.9% of $1,000,000.00). ## Where does Adyen operate? Coverage: Global. That is where Adyen operates, not a list of industries it accepts. Do not treat a processor logo as an industry approval. If the business is on Stripe's prohibited list, switching the logo does not make the card payment lawful. The [restricted-business guide](/guides/stripe-restricted-businesses) is the map of Stripe's own words. ## How does Adyen differ from Stripe? Stripe is a payment service provider at 2.9% + $0.30 for US domestic cards, read November 9, 2026, and it can review an account after you have started processing. Adyen is a acquirer with the rate line Custom, interchange-plus and the dispute line Quoted. Adyen sells a quoted or subscription price rather than Stripe's public flat rate. A comparison that invents a percent would be false, so this page leaves the cell blank. ## How do you switch from Stripe to Adyen? Stripe's data export page, read November 10, 2026, says Stripe transfers saved cards only to a PCI DSS Level 1 processor and does not export subscriptions or payment history. The [switching guide](/guides/switching-from-stripe) covers what moves, what needs Stripe's approval, and how to keep subscriptions billing. Read it before you cancel the Stripe account. 1. Export Stripe customers, prices, and dispute history while the dashboard still allows it. 2. Ask Adyen, in writing, whether it can receive a card transfer from Stripe. The switching guide names the providers whose own pages describe one. 3. Recreate plans and the next billing date. Run five real customers in a test mode, including one annual plan and one past-due plan. 4. Map webhooks and payout reconciliation before the cutover. Do not bill the same period on both systems. 5. If Stripe has already closed the account, plan for customers to enter cards again. ## What usually goes wrong? The dispute fee is the small line. The disputed amount and the card-network ratio are the ones that close accounts. The other failure is comparing a different product, such as a merchant-of-record percent or a gateway monthly fee, to Stripe's card rate as if they were the same line. ## Which providers are similar? These listings share Adyen's type. The order is alphabetical, not a rank. - [Airwallex](/alternatives/airwallex): See Airwallex. - [Authorize.net](/alternatives/authorize-net): All-in-one 2.9% + $0.30, plus $25 a month. - [Braintree](/alternatives/braintree): 2.89% + $0.29. - [Checkout.com](/alternatives/checkout-com): Custom. Also read [Stripe's fee breakdown](/guides/stripe-fees-explained) and the [pricing dataset](/data/pricing). ## Questions ### What does Adyen publish as its card rate? Adyen's rate line in this directory is Custom, interchange-plus, read on November 9, 2026. Use that line only for the product it describes. ### What is Adyen's dispute fee? Adyen's dispute line is Quoted. Stripe's published fee to receive a dispute is $15 on the same date, November 9, 2026. ### Is Adyen the merchant of record? Adyen is a acquirer, not a merchant of record in this directory. You remain the merchant unless a contract you sign says otherwise. ### Where does Adyen operate? Global. That is the coverage note stored with the November 9, 2026 reading. It is not a list of merchant category codes Adyen has approved. ### Should you leave Stripe for Adyen? Only when this is the fit: Large businesses that want interchange-plus pricing and one acquirer in many countries. If the Stripe account is healthy and Stripe's other products are part of why you chose it, staying is often the smaller move. Adyen does not become a yes just because it is on this page. ### How much is Adyen at $10,000 a month? Adyen has no public standard rate in the November 9, 2026 dataset, so this page does not invent a total at $10,000. Stripe on a $50 ticket is $350.00 at 2.9% + $0.30. ## Sources Last verified November 9, 2026. - Adyen pricing: https://www.adyen.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com - Adyen website: https://www.adyen.com/?ref=https%3A%2F%2Fwww.stripealternatives.com - Stripe pricing: https://stripe.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com - Stripe: payment data export: https://docs.stripe.com/get-started/data-migrations/pan-export?ref=https%3A%2F%2Fwww.stripealternatives.com ## Related - [Stripe pricing profile](/alternatives/stripe.md) - [Stripe vs Adyen](/compare/stripe-vs-adyen.md) - [How Stripe's US fees add up](/guides/stripe-fees-explained.md) - [How to switch from Stripe](/guides/switching-from-stripe.md) - [Lowest-fee Stripe alternatives](/best/lowest-fees.md) - [Pricing dataset for November 9, 2026](/data/pricing.md) - [All provider profiles](/alternatives.md) - [Airwallex profile](/alternatives/airwallex.md)