Stripe vs Adyen Pricing 2026: Head-to-Head
Side-by-side cost-per-$100 across four GMV bands, with each vendor's published rate card, dispute fees, and cross-border surcharge laid out under a single decision aid.
Stripe wins below $50M/yr because the flat-rate 2.9% + 30c is hard to beat after Adyen's per-account minimums and the engineering time to land an Adyen contract. Adyen wins above $100M/yr with multi-currency and multi-method requirements where interchange-plus and direct-acquirer relationships in 30+ countries beat a Stripe single-contract setup. Pick by GMV scale and geographic complexity.
Both vendors at a glance
Feature comparison
Cost-per-$100 across four GMV bands
Illustrative examples, not a real company. Cost models use each vendor's published headline rate and per-transaction fixed fee. Quote-only vendors are not estimated.
Switching cost
If you're on Stripe and considering Adyen
Stripe to Adyen is a 3-6 month enterprise project: contract negotiation, certified-integrator engagement, multi-acquirer wiring, scheme-fee normalisation, and SAR (subscriber-acceptance-rate) tuning at the issuer level. Adyen to Stripe is faster (4-8 engineering weeks) but you trade away direct-acquirer relationships and local-method coverage. Most merchants run both for 6-12 months in parallel during a migration to compare authorisation rates per geography.
Related
See all vendor pages on the vendor index, or run your own numbers in the cross-vendor cost calculator.