Head to head
Compared side by side on published facts and the same six criteria every review is graded on — generated from the live directory, not a sales page.
Adyen
Payment Processor · 4.4/5 mean
Adyen is a global, enterprise-grade payments platform that unifies acquiring, processing, routing and risk management into a single stack for merchants with international and omnichannel needs.
Read the full review →Shift4
Payment Processor · 3.5/5 mean
Shift4 Payments is a full-service payment processor and POS provider specializing in integrated commerce solutions for restaurants, hospitality, retail, and enterprise merchants.
Read the full review →Adyen holds the higher standing — by grade, then mean category score. The row-by-row picture below is what should actually decide it for your business.
Both graded against the same six criteria. How we grade · Last fact-checked August 19, 2026.
| Criterion | Adyen | Shift4 |
|---|---|---|
| Pricing transparency | 5.0wins this criterion | 2.5 |
| Feature set | 5.0 | 5.0 |
| Ease of use | 4.0wins this criterion |
Straight from each provider's published documentation. Where a number isn't published, we say so rather than estimate.
| Metric | Adyen | Shift4 |
|---|---|---|
| Online rate | Not disclosed | 2.7% – 3.5% + $0.10 – $0.30 per transaction |
| Monthly fee | no universal monthly fees | $10 – $50 per month |
| Payout | 1-2 business days (varies by currency, bank, payout model, and cut-off times) | 1 – 2 business days |
| Contract | None for main merchant contracts. Specific services have specific commitment.s that renew automatically | 1 – 3 year contracts. Enterprise agreements may be longer. |
| In-person rate | Not disclosed | 1.4% – 2.6% + $0.05 – $0.20 per transaction |
| Keyed rate | Not disclosed | 2.5% – 3.9% + per transaction fee |
From the Shift4 review
Adyen's unified global platform comes with transparent Interchange++ pricing, no early-termination fee, and no fixed term on main merchant contracts, a contrast with Shift4's contract-heavy, quote-based model. Shift4 keeps the advantage in restaurants and hospitality, where its SkyTab POS, fast onboarding, and 4.6 Trustpilot average stand out.
Pick Adyen if you run international enterprise volume and want transparent Interchange++ with no fixed term
Ideal for
Not recommended for
Ideal for
Not recommended for
The full reviews carry the pricing narratives, contract analysis and everything else behind these numbers — or let the matching funnel score the whole directory against your business.
| 3.0 |
| Customer support | 3.5 | 3.5 |
|---|
| Contract terms | 4.0wins this criterion | 3.0 |
|---|
| Industry reputation | 5.0wins this criterion | 4.0 |
|---|
| International rate | Not disclosed | +1% cross-border fee (in addition to normal card rates) |
|---|
| PCI fee | No separate PCI fee | $5 – $25 per month |
|---|
| Statement fee | No separate statement fee | $5 – $15 monthly |
|---|
| Chargeback fee | Regional per-dispute fees (exact amounts depend on contract) | $15 – $25 per chargeback |
|---|
| Early termination | None. However, termination does not alter your liability under the Agreement, including those for processed payments, related chargebacks, or other liabilities in connection with the agreement. If there are negotiated custom term or commercial commitments in your agreement, you will be responsible for such terms or commitments. | Depends on contract terms: Often $250 – $500 (Some contracts charge liquidated damages equal to remaining contract value) |
|---|
| Last fact-checked | August 19, 2026 | August 19, 2026 |
|---|