PayPal vs Adyen
A side-by-side look at PayPal and Adyen — pricing, payment methods, integrations, features, and company facts. Add up to 4 processors to widen the comparison.
Comparing 2 of 4.
| Compare |  PayPal4.5(4) |  Adyen4.5(4) |
|---|---|---|
| Pricing | ||
| Online card rate | 2.99% + $0.49 | Interchange + 0.60% + $0.13 |
| In-person rate | 2.29% + $0.09 | Interchange + 0.60% + $0.13 |
| Keyed-in rate | 3.49% + $0.09 | — |
| International | +1.5% | Varies by method |
| ACH / bank | 0.8% (cap $5) | $0.27 + $0.13 |
| Monthly fee | $0 | $0 |
| Setup fee | — | — |
| Monthly minimum | — | $120 invoice minimum |
| Chargeback fee | $20 | $15 |
| Pricing model | Flat rate | Interchange-plus |
| Contract | No contract | Annual |
| Free trial | No | No |
| Payout time | Instant | T+2 |
| Payment methods | ||
| Visa | Yes | Yes |
| Mastercard | Yes | Yes |
| Amex | Yes | Yes |
| Discover | Yes | No |
| PayPal | Yes | No |
| BNPL | Yes | Yes |
| Wallets | Yes | Yes |
| Apple Pay | No | Yes |
| Google Pay | No | Yes |
| ACH | No | Yes |
| SEPA | No | Yes |
| Integrations | ||
| Hosted checkout | Yes | Yes |
| Shopify | Yes | No |
| WooCommerce | Yes | No |
| BigCommerce | Yes | No |
| Payment links | Yes | No |
| Invoicing | Yes | No |
| API | No | Yes |
| Drop-in UI | No | Yes |
| Mobile SDK | No | Yes |
| POS hardware | No | Yes |
| Virtual terminal | No | Yes |
| Features | ||
| Fraud protection | Yes | Yes |
| Chargeback protection | Yes | No |
| Reporting dashboard | Yes | Yes |
| Recurring billing | Yes | No |
| Multi-currency | No | Yes |
| 3D Secure | No | Yes |
| Tokenization | No | Yes |
| Developer-friendly | No | Yes |
| Company | ||
| Founded | 1998 | 2006 |
| Headquarters | San Jose, CA, USA | Amsterdam, Netherlands |
| Company size | 1000+ staff | 1000+ staff |
| Regions | US, CA, EU, UK, Global | EU, UK, US, Global |
| PCI level | Level 1 | Level 1 |
| Currencies | 100+ currencies | 150+ currencies |
| High-risk friendly | No | No |
| Get started | ||
| Visit / profile | ||