# Stripe vs Adyen

Title: Stripe vs Adyen: fees

Description: Stripe vs Adyen: Stripe is 2.9% + $0.30. Adyen is Custom, interchange-plus. Disputes: Stripe $15, Adyen Quoted. Read November 9, 2026. Source pages linked.

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.

# Stripe vs Adyen

Flat-rate self-serve pricing compared with a quoted interchange-plus acquirer.

[Adyen](https://www.adyen.com/?ref=https%3A%2F%2Fwww.stripealternatives.com)

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.

| 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 | No | No |
| In the fee calculator | Yes | No |

## Pricing

- Stripe: 2.9% + $0.30
- Adyen: Custom, interchange-plus

## With Stripe

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.

## With Adyen

You are a large merchant, you can staff a payments implementation, and a quoted interchange-plus contract is on the table.

## On the pricing page

## Questions

### Is Adyen lower than Stripe on the published line?

Adyen did not publish a standard rate this page can multiply. Stripe at $10,000 and a $50 ticket is $350.00 on 2.9% + $0.30, read November 9, 2026.

### What is Adyen's dispute fee versus Stripe's?

Adyen lists Quoted. Stripe lists $15 when a dispute is received. Both lines were read on November 9, 2026.

### How does Adyen underwrite compared with Stripe?

Sales process and underwriting. Not instant self-serve for a typical small account. Stripe signs businesses up quickly and can review them later. A listing on this page is not an approval.

### When should you keep Stripe instead of Adyen?

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.

### When should you choose Adyen?

You are a large merchant, you can staff a payments implementation, and a quoted interchange-plus contract is on the table.

### Can Stripe card tokens move to Adyen?

This page does not claim that Adyen imports Stripe tokens. Ask in writing. Stripe's data export page, read on November 10, 2026, says Stripe transfers card data only to a PCI DSS Level 1 processor.

## Sources

Last verified November 9, 2026.

- Stripe: https://stripe.com/?ref=https%3A%2F%2Fwww.stripealternatives.com
- Stripe pricing: https://stripe.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com
- Adyen: https://www.adyen.com/?ref=https%3A%2F%2Fwww.stripealternatives.com
- Adyen pricing: https://www.adyen.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)
- [Adyen profile](/alternatives/adyen.md)
- [How to switch from Stripe](/guides/switching-from-stripe.md)
- [How Stripe's US fees add up](/guides/stripe-fees-explained.md)
- [Fee calculator](/tools/fee-calculator.md)
- [Lowest published fees](/best/lowest-fees.md)
- [All Stripe comparisons](/compare.md)
- [Stripe vs Braintree](/compare/stripe-vs-braintree.md)
- [Stripe vs Paddle](/compare/stripe-vs-paddle.md)
- [Stripe vs Lemon Squeezy](/compare/stripe-vs-lemon-squeezy.md)