Stripe and Adyen compete most directly at the enterprise interchange-plus boundary, with one critical difference: Stripe publishes its standard rate but only offers interchange-plus under custom NDA, while Adyen publishes its model but keeps the actual margin and minimum invoice quote-only. Direct apples-to-apples comparison is impossible without an Adyen quote.
2.9% + $0.30 standard, published.
Custom interchange-plus available above ~$80K/month under NDA.
$15 dispute fee (two-tier from 17 Jun 2025).
Documentation and SDK coverage is the broadest of any flat-rate gateway.
Published model: interchange + $0.13 + payment-method fee + negotiated margin.
Indicative V/MC global method fee 0.60% + $0.13.
Margin and minimum monthly invoice not published.
Local methods (Klarna, Alipay, iDEAL) per-method priced.
We do not infer the Adyen margin. The illustrative example below shows Stripe at $1M monthly volume, and the partial Adyen calculation we can do (interchange + published components only) without the unknown margin.
The Adyen partial is structurally lower than the Stripe flat-rate at this volume even before margin, which is why merchants over ~$1M/month typically run an Adyen RFP. We do not publish the Adyen-cheaper-by-X conclusion because the margin is unknown.
| Feature | Stripe | Adyen |
|---|---|---|
| Published standard rate | Yes | Partial |
| Published interchange-plus margin | No | No |
| Local payment methods native | Partial | Yes |
| Developer-led SDK coverage | Yes | Partial |
| Card-present at enterprise scale | Partial | Yes |
| Minimum monthly invoice published | Yes | No |
| Custom contract required for best rate | Partial | Yes |
| Suitable for SMB at published rate | Yes | No |