Softwr

Accounting · head to head

Adyen vs Basware

Adyen logo

Adyen

Accounting

The payments platform built for growth

From
$0.13/per-transaction
Rated
-
Full reviewWebsite
Basware logo

Basware

Accounting

Invoice automation and e-invoicing compliance across a large number of national mandates

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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; Basware the e-invoicing compliance breadth that justifies the price is worthless to a company operating in a single country, where cheaper AP automation tools will do the same work.
  • They diverge on capability: Adyen covers Payment processing, Basware covers Invoice capture.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Adyen and Basware actually diverge.

Attributes where Adyen and Basware differ
AttributeAdyenBasware
Starting price$0.13/per-transactionOn request
Pricing modelusage-basedquote
PlatformsWeb, Api, PosWeb, iOS, Android
Founded2006Unknown

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

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 Adyen

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

Only in Basware

  • Invoice capture
  • Matching
  • Approval workflow
  • E-invoicing compliance
  • Supplier network
  • Payment execution
  • Spend analytics
  • ERP integration

What people use each for

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

Adyen

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

Basware

  • A multinational needing compliant electronic invoicing across Italy, Poland, France and Mexico without building each mandate itselfnot Adyen
  • A shared service centre processing hundreds of thousands of invoices a year that needs touchless processing rates measured and improvednot Adyen
  • A group standardising accounts payable across subsidiaries running different ERP systemsnot Adyen
  • A finance function trying to capture early payment discounts that are currently lost to slow approval cyclesnot Adyen

Where each one falls short

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

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

Basware

  • The e-invoicing compliance breadth that justifies the price is worthless to a company operating in a single country, where cheaper AP automation tools will do the same work.
  • Implementation is a substantial integration project involving ERP connectors, supplier onboarding and country-by-country compliance configuration, and it is priced and timed accordingly.
  • The user interface is dated next to newer accounts payable products, and approvers outside finance find it unintuitive, which slows the very cycle times the system is bought to improve.
  • Supplier onboarding onto the network is the hidden effort: the touchless processing rate depends on how many suppliers actually send electronic invoices, and that is a change management programme, not a software setting.
  • Growth by acquisition, including Glantus, has left overlapping analytics capability and integration work still in progress, so buyers should check which components share a data model today.

Pricing, plan by plan

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

Basware

On request
  • Basware$undefined/year
    • Invoice automation, matching and approval
    • E-invoicing compliance across national mandates
    • Supplier network connectivity

Which should you pick?

Choose Adyen if

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

Choose Basware if

  • You need invoice capture.
  • You work on Web, iOS, Android.
  • You also want matching.
Basware review

Questions people ask

Is Adyen or Basware better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Basware at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Basware?
Adyen starts at $0.13/per-transaction and Basware at On request.
Does Adyen or Basware run on more platforms?
Adyen runs on Web, Api, Pos. Basware runs on Web, iOS, Android.
What is Adyen best used for?
Adyen is most often used for card acquiring with interchange plus pricing for larger merchants, accepting local payment methods across multiple countries, settling in several currencies through linked bank accounts, unified online and in-person payments. Of those, card acquiring with interchange plus pricing for larger merchants and accepting local payment methods across multiple countries are not what Basware is typically brought in for.
What can Adyen do that Basware cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Basware covers Invoice capture, Matching, Approval workflow, E-invoicing compliance.

Answered from the vendors’ own pages

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
Basware: Should we buy Basware if we only operate in one country?

Probably not. Its main advantage is multi-country e-invoicing compliance. In a single jurisdiction, cheaper AP automation gives you the same result.

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
Basware: Does it handle mandatory e-invoicing regimes?

Yes, and that is the core reason to choose it. It covers a wide set of national mandates as a service rather than an integration project you run yourself.

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
Basware: What drives the price?

Invoice volume, number of countries and modules. It is quoted, and implementation with ERP connectors and supplier onboarding is separate.

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
Basware: What determines the return?

The share of invoices arriving electronically. Touchless rates depend on supplier adoption, so budget for a supplier onboarding programme, not just the software.

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