Adyen vs PayAnywhere

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.

PayAnywhere provides point-of-sale software, payment processing, Payments Hub back-office tools, and payment hardware for businesses. It runs on Android, iOS, and the web. Listed payment types include EMV chip, contactless, magstripe, PIN debit, and EBT. Merchants can accept browser-based payments through Virtual Terminal without hardware, including orders taken online or by phone. Payment Links support fixed, multiple, or open-ended amounts and can be shared by email or text, embedded as a button, or shown as a QR code. Inventory tools cover product catalogs, categories, price variants, modifiers, bulk uploads, discounts, stock alerts, and sales tracking. Reports cover sales, customers, employees, inventory, deposits, and chargeback activity, with exports and scheduled email delivery. The company says next-day funding is the default and same-day funding is available at no charge, subject to cutoff times. Listed rates are 2.69% for swipe, dip, or tap transactions and 3.49% + $0.19 for keyed transactions. Services are limited to the 50 U.S. states and the District of Columbia.