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

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

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Frequently Asked Questions

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

What are the four-party payment economics components?