Stripe vs Adyen
Stripe vs Adyen compares published lines. Stripe's US domestic cards are 2.9% + $0.30, read November 9, 2026. Adyen is listed at Custom, interchange-plus. Dispute fees that day: Stripe $15 received, and Adyen Quoted. The provider pages, not a third-party roundup, are the source.
What is the verdict on Stripe vs Adyen?
Adyen publishes Custom, interchange-plus, read on November 9, 2026. Stripe's US domestic card rate on that date is 2.9% + $0.30.
Stay on Stripe until your volume, countries, or local payment methods are large enough that Adyen will quote interchange-plus and the quote beats Stripe after someone on your side can read the statement. Adyen does not publish a US flat rate, so this page does not pretend to know your price.
How do Stripe and Adyen compare on features?
Adyen is a acquirer with the dispute line Quoted, read on November 9, 2026. Stripe's dispute line on that date is $15 received.
| Feature | Stripe | Adyen |
|---|---|---|
| Card rate | 2.9% + $0.30 | Custom, interchange-plus |
| Dispute fee | $15 received | Quoted |
| Pricing | Flat rate | Quoted |
| Payout | Standard schedule free. Instant 1.5%, minimum $0.50. | Contract |
| Region | Global. Rates here are the US list prices. | Global |
| Underwriting | Instant signup. Stripe can review, restrict, or close the account later. | Sales process and underwriting. Not instant self-serve for a typical small account. |
| Merchant of record | ||
| In the fee calculator |
What does Stripe vs Adyen cost at $10,000, $100,000, and $1 million a month?
The dollar columns use a $50 average ticket and successful charges only, on rates read November 9, 2026. Adyen's published line is Custom, interchange-plus.
Stripe
Published standard rate, read November 9, 2026.
- Manually entered cards. +0.5%
- International cards. +1.5%
- Currency conversion. +1% when required
| Monthly volume | Stripe, $50 ticket | Adyen |
|---|---|---|
| $10,000 | $350.00 | No public standard rate to multiply. |
| $100,000 | $3,500.00 | No public standard rate to multiply. |
| $1 million | $35,000.00 | No public standard rate to multiply. |
Read on November 9, 2026 from each provider's pricing page. A figure that says "from" is a floor, not the rate a business is charged. International cards, currency conversion, and disputes are not inside these totals. Stripe pricing · Adyen pricing
Where does Stripe win, and where does Adyen win?
Stripe wins on the job in the left column. Adyen wins on the job in the right column, at the rate Custom, interchange-plus read on November 9, 2026.
Stripe wins when
You want to start this week, your volume is modest, and a flat rate you can budget is worth more than a theoretical interchange saving.
Adyen wins when
You are a large merchant, you can staff a payments implementation, and a quoted interchange-plus contract is on the table.
How do underwriting and account stability differ?
Stripe's underwriting note is instant signup, with the right to review later, as recorded on November 9, 2026. Adyen's note is: Sales process and underwriting. Not instant self-serve for a typical small account.
A live API key is not the same thing as a written approval. If Stripe closed the account for the business model, an instant-onboard processor can reach the same answer after you have moved customers. A prohibited category does not become lawful because the logo changed.
How do you switch from Stripe to Adyen?
Stripe's data export page, read on 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 is the longer checklist.
- Export Stripe customers, prices, and disputes while the dashboard still allows it.
- Ask Adyen in writing whether a Stripe token import exists. This page does not claim one.
- Recreate plans and run five real customers in a test, including one annual plan.
- Map webhooks before cutover. Do not bill the same period twice.
- If the Stripe account is already closed, plan for customers to enter cards again.
What did Adyen publish on the pricing page?
Adyen contributed 0 fee lines to this comparison, read on November 9, 2026. The headline beside those lines is Custom, interchange-plus.
Where is the source page?
These figures were last updated November 9, 2026. The provider's own page is the source.