Adyen vs Blockonomics

Adyen is an online payments platform for businesses that accept, optimize, and settle payments through one integration. It offers access to more than 200 payment methods and supports 136 currencies. Businesses can use ready-made Drop-in checkout components or create a custom flow with the API. Adyen describes AI tools for checkout personalization, authentication, fraud protection, tokenization, and payment cost optimization. Local acquiring through local licenses is presented as a way to improve authorization rates and lower costs. The platform supports recurring and marketplace payments, with payouts in 36 countries. Listed integrations include Adobe Commerce, Salesforce Commerce Cloud, NetSuite, Shopify, and Microsoft Dynamics 365. It is available through web, Android, iOS, and API. Pricing is transaction-based, with no setup or monthly fees and a fixed processing fee plus a payment-method fee for each transaction. The stated starting price is $0.13. Adyen describes its platform as built for global businesses and enterprise payment volume.

Blockonomics is a decentralized crypto payment gateway for merchants, alongside a blockchain explorer and self-custodial payment tools. It supports Bitcoin (BTC), Bitcoin Cash (BCH), and USDT on ERC-20. For BTC and BCH, a wallet xPub generates a distinct payment address for each transaction; USDT is sent to the merchant’s supplied ERC-20 wallet address. Blockonomics says customer payments go straight to the merchant’s wallet and that it does not hold the funds. Merchants can connect through listed integrations including WHMCS, WordPress, PrestaShop, Telegram Shop Bot, and Invoice Ninja. The maker says some users can install plugins without coding, while custom integrations can use the REST API. API functions include address lookup, wallet and store management, payment tracking, payment buttons, and hosted checkout. The platform supports more than 150 fiat currencies and recurring payments. Accounts are free to create and do not require identity verification. The Merchants plan is free for the first 10 payments, then 1% on all payments; Bitcoin Address Lookup is also listed at free.