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Honest comparison · 2026

Paybyrd vs Adyen

Adyen is built for enterprise. If you're under €2B volume, you're paying for features you don't use.

Savings vs Adyen
€3,125 / yr
at €1M annual volume · blended mix
Cost reduction
22.8%
lower processing cost
Approval lift
+4–7%
vs benchmark · multi-acquiring
Migration
22 days
typical · parallel-processed
Book a 30-min demo Run your real numbers
Rates at a glance

The numbers, side by side.

Blended rates against a typical EU merchant card mix (85% EEA consumer, 10% non-EEA, 5% business). Published pricing as of April 2026.

P
Paybyrd
Online cards
1.25% + €0.08
APMs
€0.2
Card-present
0.5%
Chargeback fee
€7.5
Monthly minimum
None
A
Adyen
Online cards
1.5% + €0.12
APMs
€0.34
Card-present
1.5%
Chargeback fee
€15
Monthly minimum
€500/mo

Rates are blended against a typical EU merchant mix (85% EEA consumer, 10% non-EEA, 5% business). Headline rates in Adyen's own published materials don't include the non-EEA and business-card surcharges that apply to most real merchant volume. These numbers do.

Where Adyen still wins

We won't pretend Adyen is all bad.

Adyen has a real business and serious strengths. Here's the honest list, so you can weigh it against what Paybyrd changes.

✓ Adyen is strong at
  • Genuine enterprise-grade platform — unified commerce, in-house acquiring in 30+ markets.
  • Direct acquiring relationships cut fewer intermediaries out of the chain.
  • Sophisticated reporting and unified data across channels at real scale.
→ Where Paybyrd wins
  • Zero monthly minimums, zero implementation fees, zero setup costs. Adyen's floor typically starts at €500/mo plus bespoke integration fees billed upfront.
  • Transparent blended rates from day one. No IC++ guessing game — you sign the rate, you pay the rate on your first transaction. Custom plans offer IC++ on request above €10M/yr if you want scheme-level granularity.
  • +1.72% effective cost savings vs Adyen on typical EU retail profiles (blended card rate, after scheme / assessment / interchange are rolled in).
  • 22 days contract-to-live for enterprise rollouts (Vila Galé first-property runbook; subsequent properties in days; SMB merchants live in <4 hours) vs Adyen's typical 2-4 month sales + integration cycle. Sandbox in 24 hours, parallel processing Week 3, graduated cutover with rollback.
  • Same multi-acquiring orchestration across 90+ markets — route to the best acquirer per transaction, retry soft declines in under 200ms, without the enterprise contract gauntlet.
  • 99.999% uptime SLA backed with credits (10% credit under 99.999%, 25% under 99.99%, 50% under 99.95%). Named TAM + dedicated Slack channel with SRE on-call from day one on Custom plans. Sub-200ms automatic failover.
  • Self-hosted modules for regulated markets — gateway, vault, and decisioning engine run in your cloud or behind your VPC for BR / AO / EU data-residency requirements. Same APIs, your infrastructure, your audit trail.
  • Up to 80% DCC revenue share back to the merchant. Surcharge engine in legal markets (US / AU / LATAM / EU credit carve-outs) recovers €4M–€7M/yr for a €2B merchant with ~35% surchargeable corridors. Adyen doesn't offer these commercial levers.
  • Paybyrd Antifraud: 47ms p95 decisions, 55+ signals per transaction, rules-then-ML hybrid with every signal explainable on the review page. Shadow mode runs 2–3 months alongside your incumbent so your team sees impact before any decision changes.
  • Engineer-led 15-minute discovery calls. No SDR, no slide deck, no procurement runway. On Custom plans you keep your existing acquirer contracts (Paybyrd is acquirer-agnostic) and add orchestration on top — zero bridge-burning.
How the switch works

22 days from contract to live traffic.

We don't ask you to flip a switch. Parallel-processing means you compare diff reports against your incumbent before committing. Rollback is always one config flag away.

  1. Phase 1 · Week 1–2
    Sandbox + integrations

    Your integrations team pairs with ours. Paybyrd sandbox certified. Existing card tokens, recurring IDs, and APM references mapped 1:1 on our side so no customer re-auth is needed.

  2. Phase 2 · Week 3–4
    Parallel processing

    Paybyrd handles 5–20% of live traffic while Adyen processes the rest. You compare approval rates, cost per transaction, and reconciliation against your incumbent in real time.

  3. Phase 3 · Week 4+
    Graduated cutover

    You hold the rollback switch. Scale Paybyrd traffic at whatever pace you're comfortable with — 50%, 80%, 100%. Most merchants finish cutover within 22 business days of contract sign.

Common questions

About switching from Adyen.

We're evaluating Adyen for enterprise payments. When should we pick Paybyrd instead?
Under ~€2B in annual volume, Paybyrd's blended cost is materially lower — our data shows +1.72% effective cost savings vs Adyen on typical EU retail profiles. Above that, Adyen's in-house acquiring starts to pay back the minimums and implementation cost. If you're a PSP-scale enterprise with dedicated payment ops, Adyen makes sense. If you're a high-growth merchant with €10M–€2B volume, Paybyrd gives you the same multi-acquiring without the ramp.
What about the interchange++ (IC++) pricing model?
Paybyrd offers IC++ on request for merchants over €10M annual volume. Default pricing is blended so most merchants don't have to reason about scheme fees, assessment fees, and interchange levels — you get a predictable headline rate. Custom plans can split it out.
Can Paybyrd act as an acquirer or just as a gateway?
Both. Default: we orchestrate across your existing acquirer contracts or ours, route to the best one per transaction. On request: Paybyrd acquires direct in 90+ markets. Unlike Adyen you can flip between modes per channel or per market without re-integrating.
How does your SLA compare to Adyen?
99.999% contractually backed with credits (10% bill credit for <99.999%, 25% for <99.99%, 50% for <99.95%). Dedicated Slack channel for custom-plan merchants and a named technical account manager. Sub-200ms automatic failover to a hot-standby region.
Can I keep my existing acquirer contracts?
Yes. Paybyrd is acquirer-agnostic — keep your negotiated rates and in-flight volume commitments. We orchestrate on top. If you later choose to consolidate, we can act as your acquirer across 90+ markets, but it's a separate decision on a separate contract.

30 minutes with a payment engineer,
your numbers, no slides.

Bring your most recent Adyen statement. We'll benchmark your actual approval rate against Paybyrd's multi-acquiring routing (typical lift: 4–7% on EU card volume), and map the migration path.

Book a 30-min demo Or run your numbers first