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APIs · head to head

10x Banking vs Adyen

10x Banking logo

10x Banking

APIs

Cloud-native core banking platform built for large incumbent bank migrations

From
On request
Rated
-
Full reviewWebsite
Adyen logo

Adyen

Accounting

The payments platform built for growth

From
$0.13/per-transaction
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 10x Banking engagements are multi-year core replacement programmes with costs dominated by migration and integration, so the licence is a minority of what you actually spend.; Adyen there is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic
  • They diverge on capability: 10x Banking covers SuperCore ledger, Adyen covers Payment processing.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which 10x Banking and Adyen actually diverge.

Attributes where 10x Banking and Adyen differ
Attribute10x BankingAdyen
Starting priceOn request$0.13/per-transaction
Pricing modelquoteusage-based
PlatformsWeb, REST API, LinuxWeb, Api, Pos
CategoryAPIsAccounting
FoundedUnknown2006

Identical on both: free tier (No), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in 10x Banking

  • SuperCore ledger
  • Product configuration
  • Event streaming
  • Migration tooling
  • Payments orchestration
  • Cloud deployment

Only in Adyen

  • Payment processing
  • Risk management
  • Unified commerce
  • Issuing
  • Platform payments
  • SAP
  • Salesforce
  • Oracle

What people use each for

The jobs each tool is most often brought in to do.

10x Banking

  • A tier-one bank replacing a mainframe core over several years while keeping it running in parallelnot Adyen
  • A bank launching a separate digital brand on a modern core before migrating the main booknot Adyen
  • An institution whose regulator demands real-time transaction data its legacy core cannot producenot Adyen
  • A bank whose product launch cycle is limited by core release schedules rather than by demandnot Adyen

Adyen

  • Card acquiring with interchange plus pricing for larger merchantsnot 10x Banking
  • Accepting local payment methods across multiple countriesnot 10x Banking
  • Settling in several currencies through linked bank accountsnot 10x Banking
  • Unified online and in-person paymentsnot 10x Banking

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

10x Banking

  • Engagements are multi-year core replacement programmes with costs dominated by migration and integration, so the licence is a minority of what you actually spend.
  • The customer list is small and concentrated in large institutions, which makes reference checking and benchmarking difficult before committing.
  • It is a smaller vendor than Temenos or Finastra carrying a systemically important workload, and bank procurement teams treat that concentration as a genuine risk.
  • Product configuration replaces code but shifts complexity into configuration governance, which banks must staff and control just as carefully as software releases.
  • Value only appears after migration, so a programme cancelled or paused mid-transition leaves the bank running two cores and paying for both.

Adyen

  • There is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic
  • Published fees are indicative rather than a rate card, with real pricing negotiated
  • Interchange++ means the card cost varies per transaction rather than being a single predictable percentage
  • Alternative payment methods carry their own rates on top, such as 3.3 percent plus $0.10 for American Express in North America

Pricing, plan by plan

10x Banking

On request
  • SuperCore$undefined/year
    • Multi-year enterprise licence, quoted
    • Scaling by accounts, transaction volume and product lines
    • Substantial implementation and migration programme costs

Adyen

$0.13/per-transaction
  • Transaction-Based Pricing$undefined/mo
    • Fixed $0.13 USD per transaction
    • Variable fee determined by payment method
    • No setup fees

Which should you pick?

Choose 10x Banking if

  • You need supercore ledger.
  • You work on Web, REST API, Linux.
  • You also want product configuration.
10x Banking review

Choose Adyen if

  • You need payment processing.
  • You work on Web, Api, Pos.
  • You also want risk management.
Adyen review

Questions people ask

Is 10x Banking or Adyen better?
Neither clearly leads. 10x Banking starts at On request and Adyen at $0.13/per-transaction, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, 10x Banking or Adyen?
10x Banking starts at On request and Adyen at $0.13/per-transaction.
Does 10x Banking or Adyen run on more platforms?
10x Banking runs on Web, REST API, Linux. Adyen runs on Web, Api, Pos.
What is 10x Banking best used for?
10x Banking is most often used for a tier-one bank replacing a mainframe core over several years while keeping it running in parallel, a bank launching a separate digital brand on a modern core before migrating the main book, an institution whose regulator demands real-time transaction data its legacy core cannot produce, a bank whose product launch cycle is limited by core release schedules rather than by demand. Of those, a tier-one bank replacing a mainframe core over several years while keeping it running in parallel and a bank launching a separate digital brand on a modern core before migrating the main book are not what Adyen is typically brought in for.
What can 10x Banking do that Adyen cannot?
10x Banking covers SuperCore ledger, Product configuration, Event streaming, Migration tooling. Adyen covers Payment processing, Risk management, Unified commerce, Issuing.

Answered from the vendors’ own pages

10x Banking: Who is 10x Banking for?

Large incumbent banks running core replacement, not challengers or fintechs looking for a quick launch.

Adyen: How much does Adyen charge per transaction?

Adyen charges a fixed $0.13 USD per transaction plus a variable fee based on the payment method used. Credit cards typically cost $0.13 + 0.60% + interchange, while digital wallets and BNPL options cost between $0.13 + 0.99% to $0.13 + 4.99%+, depending on the specific method and region.

Source
10x Banking: How long does implementation take?

Years rather than months. Migration design and coexistence with the legacy core dominate the timeline.

Adyen: Does Adyen have monthly subscription or setup fees?

No, Adyen has no setup fees or monthly recurring charges. You pay only for each transaction processed. The transaction fee structure remains the same regardless of transaction volume or business size.

Source
10x Banking: Is pricing published?

No. It is a quoted multi-year enterprise licence scaled by accounts, transaction volume and product lines.

Adyen: What's Adyen's Interchange++ pricing option?

Adyen offers an Interchange++ transparent pricing model that passes interchange and scheme fees directly to merchants instead of bundling them into a percentage rate. This allows visibility into exact costs for each payment method.

Source
Adyen: Can I process payments in multiple currencies with Adyen?

Yes, Adyen supports 100+ payment methods across multiple currencies. You can link multiple bank accounts in different currencies to avoid currency conversion fees on international transactions.

Source
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