Adyen vs SumUp Payment Links
Adyen
adyen.comSumUp Payment Links
sumup.comSide by side
| Figure | Adyen | SumUp Payment Links |
|---|---|---|
| Price from | — | £15.75/mo |
| Free plan | — | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 2 | 4 |
| Spec score · Payment Link Software | 9.0 (#4) | 8.6 (#10) |
| Company founded | Adyen says it was founded in 2006 in Amsterdam, Netherlands. | LinkedIn states that SumUp was founded in 2012. |
| Founded | 2006 | 2012 |
| Payment methods | The online-payments product supports more than 200 payment methods through one integration. | The Payment Links page displays Mastercard, Visa, American Express, Diners Club, Discover and UnionPay as payment methods. |
| Rating on G2 | 4.0 out of 5 from 44 reviews | 4.6 out of 5 from 24 reviews. |
| Rating on Trustpilot | 1.3 out of 5 from 446 reviews | 4.2 out of 5 from 59,787 reviews. |
| SDK licence | The public Adyen OpenAPI repository is licensed under the MIT License. | The public Node.js and iOS SDK repositories identify Apache-2.0 licensing. |
| 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. | SumUp says every payment link is protected by 3D Secure 2. |
| Self-hosting | Adyen documentation describes API endpoints and hosted payment integrations but does not offer a self-hosted Adyen payments server. | Payment Links is delivered as SumUp-hosted checkout infrastructure; the product pages do not describe a self-hosted deployment. |
| What it does | Adyen provides one payment platform for accepting, optimizing and settling online payments through a single integration. | Payment Links creates secure online checkout links that merchants share so customers can pay without a website, online store, card reader or SumUp app. |
Plans
SumUp Payment Links
- Pay-as-you-goFree
- Payment LinksFree
- Payments Plus£19 a month
- Payments Plus annual£189 a year
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.
SumUp Payment Links
SumUp Payment Links lets businesses collect online payments by sharing a link, without needing a website or card reader. Merchants can create links for fixed or open amounts, reuse them, set expiration dates and allow tips or notes. Links can be sent through Instagram, WhatsApp, SMS and email, or shown as QR codes. Customers pay on a secure page without downloading an app or creating an account. The SumUp Business App shows which links are paid or outstanding and lets merchants resend unpaid ones; after a payment, the merchant’s account is updated with a push notification. Listed payment methods are Mastercard, Visa, American Express, Diners Club, Discover and UnionPay. Link creation is supported in a browser, app, POS Lite and SumUp Register. SumUp says links use 3D Secure 2. The free plan has no monthly fee and charges 2.50% per transaction; paid plans start at £19/mo.