Adyen vs Embed
Adyen
adyen.comEmbed
embed.coSide by side
| Figure | Adyen | Embed |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 2 | 1 |
| Spec score · Embedded Payments Platforms | 9.0 (#1) | 7.9 (#6) |
| Spec score · Payment Facilitation Platforms | 9.0 (#1) | 7.9 (#8) |
| Integrations | Adyen provides a Shopify payments-app integration that requires Shopify Checkout Extensibility. | Embed provides APIs and components for payment components, payment links, in-person payments, recurring payments, and balance accounts. |
| Intended customers | Adyen describes its platform as built for global businesses and enterprise payment volume. | The company describes its product as payments infrastructure purpose-built for vertical SaaS platforms. |
| Payment methods | The online-payments product supports more than 200 payment methods through one integration. | The pricing page lists credit and debit cards, Vipps/MobilePay, iDEAL, SEPA instant, SEPA direct debit, and open banking. |
| Security | Adyen’s help page states that it is PCI DSS v4.0 Level 1 compliant and undergoes an annual external audit by a Qualified Security Assessor. | Embed says it is PCI-DSS compliant and licensed by the Dutch Central Bank. |
Plans
In their own words
Adyen
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.
Embed
Embed provides payment infrastructure for software platforms through one integration covering ecommerce, point-of-sale, and subscription payments. Platforms can configure tiered, blended, or cost-plus pricing by customer segment. Balance accounts, flexible rules, and APIs support moving funds among multiple parties and scheduling or requesting payouts. Embed also offers domestic virtual IBANs across Europe, safeguarded by tier-one banks. Documented payment methods include cards, open banking, SEPA, SEPA Direct Debit, iDEAL, and Vipps. Integration guides cover payment components, links, in-person payments, recurring payments, and balance accounts. A functional sandbox supports integration and payment tests, test-merchant onboarding, credential management, and reconciliation-report downloads. The service provides reports for finance and accounting and support through integration, verification, onboarding, and operations. Embed states PCI-DSS compliance and describes regulatory coverage through Embed B.V. and Embed Pay Ltd. It is paid, has no free plan, and lists a pay-as-you-go option with no monthly fees; transaction pricing is €0.15 gateway fee plus IC+ + 0.50% for cards.