Which payment processor to choose between Stripe and Adyen?

Our opinion of Stripe vs Adyen in brief

Stripe and Adyen are two fairly similar payment gateways. To choose, you need to take your company's needs into account Stripe is aimed more at start-ups and small businesses, while Adyen is designed for large accounts.

What exactly is Stripe?

Stripe is one of the most widely used payment gateways, with over 68% of American e-commerce sites who use it. The payment processor enables merchants to process online payments securely.

What exactly is Adyen?

Founded by a group of developers in 2006, Adyen is a Dutch company offering online payment services. The platform is appreciated for its flexibility and ease of use.

Stripe and Adyen's main features

Here are the main features of Stripe and Adyen:

Accepted payment methods

Both platforms offer a wide range of payment methods, tailored to customers' needs.

Stripe supports :

• The main credit and debit cards ;

• Digital wallets such as Google Pay, Apple Pay ;

• Transfers.

You can also integrate more international payment methods via Stripe Sources.

For its part, Adyen also accepts :

• The main credit and debit cards ;

• Direct debits and bank transfers ;

• Electronic payments.

The two platforms are very similar in terms of payment methods.

Worldwide availability

Stripe is a payment solution for companies with a customer base internationale .La platform supports 135 currencies and is available in 46 countries. Its users are mainly concentrated in North America and Western Europe.

Adyen, on the other hand, is available in over 100 countries worldwide and supports more than 140 devises.

Customer interface

UI and UX are two essential criteria when choosing a payment processor.

Both solutions are easy to use. As for Stripe, it all depends on the company's needs. The platform is simple for basic templates. It offers predefined pages.

If your business requires a more complex ecosystem and an advanced level of customization, the platform offers an API system.

Adyen also offers predefined payment pages for easy configuration.

Integrations

Both platforms offer a rich library of integrations. Adyen offers easy-to-install integrations . It offers both commercial integrations and integrations designed to optimize internal processes.

To benefit from Stripe's more advanced and comprehensive functionality, you can integrate third-party tools via its API system. You'll need real development skills to take full advantage of this.

However, if you do not have the necessary skills, you can use the predefined templates offered by the platform .

Both platforms still appear to offer strong similarities in this respect. To choose, therefore, you need to base your choice on your specific needs and in consideration of other features.

Transaction security

The two platforms have set up effective systems to ensure the security of payment transactions.

Stripe's security system is PCI level 1 certified. In other words, the platform meets the strictest standards It requires HTTPS protocol and encrypts payment data in a separate hosting environment.

Adyen also complies with PCI standards. It uses end-to-end encryption to ensure the security of payment messages.

Comparison of Stripe and Adyen features

The table shows a comparison of Stripe and Adyen functionalities:

Stripe vs Adyen: price comparison

Pricing is crucial when choosing an ideal payment processor. Here too, the two platforms come together with a "pay-as-you-go" model In other words, the two platforms do not charge no monthly fees. You only pay for successful transactions.

Stripe seems to win the duel here for having a transparent pricing system. In the case of Adyen, the amount of the fee depends on the payment method.

Stripe and Adyen price comparison chart

Here is a table summarizing Stripe's and Adyen's pricing methods:

Stripe vs Adyen: which has the best customer service?

Stripe customer support is available through a wide range of channels:

• By phone ;

• By email ;

• By chat ;

• On an online help desk ;

• On a developer forum on Discord or other forums.

Stripe's support offer varies according to the price plan chosen. Premium accounts benefit from :

• Technical resources ;

• Dedicated support channels ;

• Continuous monitoring of incidents.

Stripe support is renowned for its availability and efficiency. However, as soon as problems become complex, resolution may take longer .

The main advantage of Adyen's customer support is based on a 24/7 hotline staffed by specialized engineers. The platform also provides numerous free resources for the most common difficulties.

Adyen customer support is also available via email . However, this mode of support is decried as increasingly unsatisfactory by the platform's users.

Which CMS and platforms do Stripe and Adyen integrate with?

Flexible and versatile, Stripe integrates with most e-commerce platforms. Adyen also integrates with :

• BigCommerce ;

• WooCommerce ;

• Omnichat ;

• Salesforce B2B.

What do they have in common and what are their differences?

Stripe and Adyen have a lot in common, but they also have differences, particularly in terms of the customers they target.

Common ground

Stripe and Adyen are similar in many ways:

• Accepted payment methods . Stripe and Adyen are two omnichannel payment gateways. In other words, they integrate different payment methods.

• No installation costs . Both platforms are free to install. There are no monthly fees either.

• Ease of use. Stripe and Adyen are both renowned for their ease of use. Stripe offers all the basic functionality required for everyday use. Companies requiring a more complex system, however, have the option of integrating third-party tools via the solution's API.

• 24/7 customer service.

Differences

Stripe and Adyen also differ from each other in a number of ways:

• Target companies. Adyen is aimed more at large companies. Stripe, on the other hand, is aimed primarily at small businesses, but can also be adapted to large accounts.

• Different geographical availability . Stripe is available in only 46 countries, compared with over a hundred for Adyen.

The advantages of Stripe over Adyen

Here is an overview of Stripe's main advantages over its competitor Adyen:

• Wide geographic coverage with a presence in 46 countries;

• 35 payment methods and 135 currencies;

• Hundreds of integration to personalize your payment process;

• Effective fraud detection with Stripe Radar ;

• Reporting tools ;

• Relative ease of use (depending on the complexity of the company's needs) ;

• Easy installation and registration . Adyen requires a tedious validation system for registration on its platform.

• A clear, transparent pricing system . Adyen's variable pricing system can be confusing.

• No minimum number of transactions per month. This minimum is 120 euros for Adyen.

The advantages of Adyen over Stripe

Adyen also has a number of advantages over Stripe:

• Lower chargeback costs;

• Greater geographical availability.

What's the alternative to Stripe and Adyen?

Stripe and Adyen are two of the most popular payment gateways on the market, but they're not the only ones:

• Hero Checkout ;

• Paypal ;

• Mollie ;

• Square.

In summary, Stripe and Adyen are payment platforms with similar potential. Stripe, however, seems to win out for its ease of start-up, advanced personalization potential and broad global coverage.Hero, however, stands out as an ideal alternative to Adyen. Stripe vs Adyen because it combines payment management and factoring.