Adyen vs Privacy.com

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.

Privacy.com creates virtual payment cards that mask the payment information a user would otherwise share for online transactions. Cards lock to their first merchant, so they cannot be used elsewhere if stolen or compromised. A card can also be set to close after one transaction, or given transaction, monthly, yearly, or total spending limits; charges above a limit are declined. Users can pause or close cards at any time. The free Personal plan allows 12 new cards each month. Paid plans start at $5 a month: Plus adds API access, while Pro includes up to three open Everywhere Cards and 1% cashback on eligible transactions up to $4,500 per month. The service has web, iOS, Android, and browser extension access; paid Plus and higher plans include an API for creating and configuring cards, retrieving real-time payment data, and setting permissions and limits. To transact, users must be US citizens or legal residents aged 18 or older with a checking account at a US bank or credit union, and must pass identity verification.