Adyen vs Zoneless
Adyen
adyen.comZoneless
zoneless.comSide by side
| Figure | Adyen | Zoneless |
|---|---|---|
| Price from | — | $99/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 2 | 4 |
| Spec score · Marketplace Payment Platforms | 9.0 (#2) | 7.7 (#9) |
| Checkout | Businesses can use out-of-the-box Drop-in components or build a custom checkout flow with Adyen’s API. | The platform supports hosted checkout where customers can pay with USDC through products and payment links. |
| Integrations | Adyen provides a Shopify payments-app integration that requires Shopify Checkout Extensibility. | The maker documents a Node.js SDK named @zoneless/node and a Didit connection for identity checks. |
| 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. | Its security policy asks vulnerability reports to be sent through GitHub Security Advisories or directly to maintainers and provides response targets of 48 hours for initial response and seven days for a status update. |
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.
Zoneless
Zoneless is an open-source payments platform for checkout, subscriptions, marketplace accounts and payouts using USDC. Customers can pay through hosted checkout, products or payment links. Marketplaces can collect seller details and connect wallets through a hosted onboarding flow, with seller verification rules and reviews available. The service supports recurring payments, invoices and subscription status management. Payouts use USDC on Solana; the maker says they usually arrive within seconds and that Zoneless charges no payout fee, while Solana network fees are currently around $0.002 per payout. Its API uses Stripe object shapes, webhook patterns and idempotency conventions, and a Node.js SDK is documented. Zoneless runs as a managed cloud service or can be self-hosted with Docker and Docker Compose. Cloud Free is free for up to 1,000 payouts per month; Pro is $99 a month, and Scale is $499 a month. Self-hosted is free.