What is the total cost difference between Stripe and Adyen for large merchants?

Stripe charges 2.9% + USD 0.30 flat rate for card payments. Adyen charges interchange ++ pricing (actual interchange + Adyen processing fee of 0.3–0.5%). At high volume with diverse card types, Adyen interchange++ is typically 0.5–1.5% cheaper than Stripe flat rate. The breakeven depends on average ticket size and card mix.

What are the four-party payment economics components?

Transaction cost: interchange fee (paid to issuing bank, typically 1.5–2.5% credit, 0.05–0.5% debit regulated) + network assessment fee (0.1–0.15% to Visa/MC) + acquirer markup (0.2–0.5%) + gateway fee (0.05–0.3%). Total MDR (merchant discount rate) is the sum. Card-not-present (ecommerce) rates are 0.2–0.5% higher than card-present.

Payment Gateway Processing Fee Comparison

How It Works

Compare total cost of acceptance for Stripe, Square, Braintree, and Adyen across card types (debit, credit, international) including interchange, assessment, and gateway markup components

Each component has a specific meaning:

Card types (debit — The card types (debit recorded for the scenario being assessed.
Credit — The credit recorded for the scenario being assessed.
International) including interchange — The international) including interchange recorded for the scenario being assessed.

Note: Interpret the payment gateway fee result against the thresholds and context described above.

How to Use

Enter the card types (debit, credit, international) including interchange for the scenario you are assessing. Compare total cost of acceptance for Stripe, Square, Braintree, and Adyen across card types (debit, credit, international) including interchange, assessment, and gateway markup components. Use the payment gateway fee result to inform your calculation.

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