Comparison · Updated September 8, 2026
Adyen vs Checkout.com
Adyen
A-
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.
VS
Overview
Both are enterprise acquirers sold by a salesperson rather than a signup form, and both target global merchants processing at serious volume. The difference starts at the pricing page. Adyen publishes its card markup - $0.13 plus interchange-plus 0.60% on Visa and Mastercard - so a finance team can model the cost before the first call. Checkout.com publishes nothing and quotes every merchant individually. Adyen is also several times larger, settles through its own banking licence, and sells in-person payments, which Checkout.com does not offer at all. Payment Review grades Adyen A- and ranks it first of 25 platforms; Checkout.com is a C+ at fifteenth.
Key Takeaways
- ✓Adyen publishes its card markup - $0.13 + interchange-plus 0.60% on Visa and Mastercard - where Checkout.com publishes no rates at all.
- ✓Adyen processed EUR 1,394.3bn in 2025 against Checkout.com's $300bn, a gap of roughly a factor of five.
- ✓Adyen sells in-person payments and terminals; Checkout.com has no native POS, so an omnichannel merchant is choosing Adyen by default.
- ✓Checkout.com scores better with its own users - 4.6 on G2 against Adyen's 4.0 - and both rate poorly on Trustpilot.
- ✓Neither offers self-serve signup, and neither charges setup or monthly account fees.
Adyen
Adyen suits large merchants that want one platform across online and in-store, a published markup they can model before negotiating, and an acquirer that settles on its own banking licence.
Checkout.com
Checkout.com suits card-not-present digital businesses - marketplaces, travel, gaming, streaming - that value hands-on authorisation optimisation and regional reach in the Middle East and Asia-Pacific, and have the volume to negotiate.
Overall Winner
🏆 Winner
Adyen
A-expert grade
Runner-up
Checkout.com
Why?
Adyen wins on the things a merchant can check before signing anything. It publishes its markup, so the cost can be modelled before the first sales call; it processed roughly five times Checkout.com's volume in 2025; it settles on its own banking licence; and it sells in-person payments, which Checkout.com does not offer at all. Checkout.com is a serious platform and beats Adyen on its own users' ratings, with real strength in card-not-present verticals and regional acquiring where the giants are thin. But everything about its commercial terms - rates, settlement timing, exit clauses - is invisible until you are deep in a sales process, and Payment Review's review flags sudden account terminations as the risk that follows from that opacity. That asymmetry is what separates an A- from a C+, and the tables above point the same way.
Feature by feature
Detailed Comparison
Filter Options
Pricing transparency
| Feature | Adyen | Checkout.com |
|---|---|---|
| Published card rate | $0.13 + interchange-plus 0.60% on Visa and Mastercard Winner | Not published - every rate is quoted |
| Adyen's rate is on its public pricing page and applies globally to the major schemes, with Discover and JCB carrying their own published rates and American Express quoted separately. Checkout.com's pricing page offers a choice of fully flat-rate or interchange++ but names no figures at all. | ||
| Setup and monthly account fees | None | None |
| Minimum commitment | A minimum invoice applies; the amount is not published and varies by industry and business model | No published minimum |
| Adyen's own pricing FAQ confirms a minimum invoice exists without naming a figure, and third-party sources disagree sharply on the amount - $120, EUR 100 and EUR 1,000 a month are all quoted - so treat any single number with suspicion and get it in writing. Checkout.com states no volume requirement anywhere; third-party analyses describe an effective enterprise floor around $10m a year, which is a description of how it is sold rather than a published rule. | ||
Published card rate
Adyen
$0.13 + interchange-plus 0.60% on Visa and Mastercard
Winner
Checkout.com
Not published - every rate is quoted
Adyen's rate is on its public pricing page and applies globally to the major schemes, with Discover and JCB carrying their own published rates and American Express quoted separately. Checkout.com's pricing page offers a choice of fully flat-rate or interchange++ but names no figures at all.
Setup and monthly account fees
Adyen
None
Checkout.com
None
Minimum commitment
Adyen
A minimum invoice applies; the amount is not published and varies by industry and business model
Checkout.com
No published minimum
Adyen's own pricing FAQ confirms a minimum invoice exists without naming a figure, and third-party sources disagree sharply on the amount - $120, EUR 100 and EUR 1,000 a month are all quoted - so treat any single number with suspicion and get it in writing. Checkout.com states no volume requirement anywhere; third-party analyses describe an effective enterprise floor around $10m a year, which is a description of how it is sold rather than a published rule.
Best For Your Business
Recommendations based on your business type
Omnichannel retailer with stores and a website
Recommended
Adyen
Checkout.com has no native point of sale, so an in-store requirement settles this outright. Adyen runs online and in-person on one platform and one contract, and processed EUR 311bn of point-of-sale volume in 2025.
Digital-native business selling only online at high volume
Both are built for exactly this and either can be made to work. Checkout.com's authorisation optimisation and Middle East and Asia-Pacific acquiring are real advantages in travel, gaming and streaming; Adyen's published markup makes the commercial comparison easier to run. Take quotes from both and compare on your own transaction mix.
Finance team that must model processing cost before committing
Recommended
Adyen
Adyen's markup is public, so a cost model can be built before negotiation begins and used as a baseline in it. Checkout.com publishes nothing, which means there is no baseline until a quote arrives.
Small or mid-sized merchant
Neither. Both are sales-led enterprise platforms with no self-serve signup, and Adyen additionally requires a minimum invoice regardless of volume. A merchant below serious scale will be better served by a provider that publishes its pricing and lets you open an account the same day.
Merchant needing local acquiring in the Middle East or parts of Asia-Pacific
Recommended
Checkout.com
This is Checkout.com's strongest claim: direct local acquiring across 50-plus countries and 150-plus currencies, with regional coverage the larger platforms carry more thinly. Get the specific corridors and settlement currencies confirmed in writing before you commit.
Adyen: Best for 2 use cases
Checkout.com: Best for 1 use case
Frequently Asked Questions
Common questions about this comparison
Adyen does, in part. Its public pricing page lists a $0.13 fixed fee per transaction plus interchange-plus 0.60% on Visa and Mastercard, with separate published rates for Discover, JCB and a long list of local payment methods. Checkout.com publishes no rates at all: its pricing page describes a choice between fully flat-rate and interchange++ and then asks you to contact sales. Both confirm there are no setup or monthly account fees.
Adyen, by a wide margin. Adyen reported EUR 1,394.3bn of processed volume for 2025 on EUR 2,364.2m of net revenue. Checkout.com reported surpassing $300bn of total payment volume in 2025, a 64% year-on-year increase, alongside its first sustained run of full-year EBITDA profitability. Checkout.com is growing faster from a much smaller base.
Only Adyen. It sells its own terminals and runs in-person and online payments on a single platform, with EUR 311bn of its 2025 volume coming from point of sale. Checkout.com has no native point-of-sale product, so a merchant with physical locations would need a second provider for the store estate - which usually defeats the point of consolidating onto an enterprise acquirer.
Adyen's own pricing FAQ confirms a minimum invoice applies depending on industry and business model, but does not name a figure, and third-party sources disagree on the amount - so ask for it in writing. Checkout.com states no volume requirement anywhere; it is sold to enterprises and third-party analysis puts the practical floor around $10m a year, but that describes its sales motion rather than a published rule. In practice both are sales-led and neither will onboard a small merchant quickly.
They measure different things. G2 reviews come mostly from developers and product teams, and Checkout.com's API quality is consistently praised, which is a real strength. Payment Review's grade weighs pricing transparency, contract terms, settlement disclosure and support consistency alongside the product - and on those, Checkout.com discloses almost nothing publicly while Adyen publishes its markup and settlement behaviour. A good API does not offset commercial terms a merchant cannot see before signing.
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