Stripe vs Adyen: Cost and Fees Calculator
Enter your volumes to compare estimated monthly costs and fees for Stripe and Adyen across the selling types both offer, using published US pricing.
In-person card payments
Selling online (eCommerce)
Estimates combine processing fees and monthly subscriptions on the plans noted above. One-time hardware, setup, and add-ons are excluded. Rates are published or typical US pricing as of mid-2026 and may have changed.
How the Stripe vs Adyen calculator works, and how the two compare
Stripe is a developer-focused online payments infrastructure company that also sells Terminal card readers for in-person sales. Stripe charges 2.9% + $0.30 for online card payments and 2.7% + $0.05 in person via Stripe Terminal (Reader M2 $59), with no monthly fee and volume discounts on request. Adyen is a global enterprise payments platform using interchange-plus-plus pricing, favored by large omnichannel brands. Adyen charges $0.13 per transaction plus a payment-method fee on top of interchange (modeled here at roughly 1.95% + $0.13 all-in for US cards), with no setup or monthly fee but a $120 monthly invoice minimum.
How they are similar: Where they overlap: both Stripe and Adyen cover taking card payments in person with a card reader or terminal and selling online, which is what this calculator compares. Neither requires a monthly subscription on the plans compared here, so your cost scales purely with sales. In both cases the bill is driven by a percentage of each sale plus any fixed per-transaction fee, which is why your average transaction size changes the effective rate as much as the headline percentage does.
How they differ: Stripe operates as flat-rate card processing with published per-transaction fees, while Adyen operates as interchange-plus pricing that passes through card network costs plus a small markup. Stripe is built API-first: it has no storefront or POS software of its own, but offers unmatched flexibility, 135+ currencies, and dozens of payment methods for businesses that build their own checkout. Adyen's interchange-plus-plus model and single global platform suit high-volume enterprises; its invoice minimum and sales process make it impractical for very small merchants.
Assumptions used in this calculator
- Stripe is modeled on: 2.7% + $0.05 in person via Stripe Terminal, Reader M2 $59; 2.9% + $0.30 per online card payment, no monthly fee.
- Adyen is modeled on: Interchange-plus-plus, modeled around 1.95% + $0.13; terminals from around $400; Interchange-plus-plus, modeled around 1.95% + $0.13 for US cards; $120 monthly invoice minimum.
- Rates are published or typical US pricing as of mid-2026 and change often; quote-based providers are modeled at representative rates. Always confirm current pricing with the provider.
- One-time hardware, setup, add-on apps, keyed-in transactions, international cards, and chargeback fees are excluded from the monthly figures.