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Software · head to head

Adyen vs Bench

Adyen logo

Adyen

Software

The payments platform built for growth

From
$29/month
Rated
-
Full reviewWebsite
Bench logo

Bench

Software

America's largest bookkeeping service for small businesses

From
$299/month
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; Bench recent bankruptcy and acquisition by Employer.com creates uncertainty about product roadmap and support continuity
  • They diverge on capability: Adyen covers Payment processing, Bench covers Dedicated bookkeeper.

Where they differ

Only the attributes on which Adyen and Bench actually diverge.

Attributes where Adyen and Bench differ
AttributeAdyenBench
Starting price$29/month$299/month
Pricing modelusage-basedUnknown
PlatformsWeb, Api, PosWeb, Ios, Android
Founded20062012

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

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 Bench

  • Dedicated bookkeeper
  • Monthly financial statements
  • Bank reconciliation
  • Tax preparation
  • Expense categorization
  • Stripe
  • PayPal
  • Square

Both cover

  • SOC 2
  • Web support

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 Bench
  • Accepting local payment methods across multiple countriesnot Bench
  • Settling in several currencies through linked bank accountsnot Bench
  • Unified online and in-person paymentsnot Bench

Bench

  • Bookkeeping outsourcingnot Adyen
  • Tax preparationnot Adyen
  • Financial reportingnot 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

Bench

  • Recent bankruptcy and acquisition by Employer.com creates uncertainty about product roadmap and support continuity
  • Higher starting cost at $299/month compared to self-service accounting software like Wave or QuickBooks Online
  • Requires manual connection of financial accounts and ongoing coordination with bookkeeping team, less automated than software-first solutions
  • Tax services limited to US income tax returns; no support for complex entity structures or multi-state taxation
  • History of burning through capital rapidly, raising concerns about long-term business sustainability

Pricing, plan by plan

Adyen

$29/month
  • CustomFree
    • Payment processing
    • Risk management
    • Unified commerce

Bench

$299/month

No published plan breakdown. See the Bench review.

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 Bench if

  • You need dedicated bookkeeper.
  • You work on Web, Ios, Android.
  • You also want monthly financial statements.
Bench review

Questions people ask

Is Adyen or Bench better?
Neither clearly leads. Adyen starts at $29/month and Bench at $299/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Bench?
Adyen starts at $29/month and Bench at $299/month.
Does Adyen or Bench run on more platforms?
Adyen runs on Web, Api, Pos. Bench 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 Bench is typically brought in for.
What can Adyen do that Bench cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Bench covers Dedicated bookkeeper, Monthly financial statements, Bank reconciliation, Tax preparation. Both handle SOC 2, Web support.

Answered from the vendors’ own pages

Bench: What happened to Bench Accounting?

Bench shut down abruptly on December 27, 2024, filing for bankruptcy in Canada with $65 million in debt. The company was acquired by Employer.com on December 30, 2024, and resumed operations in January 2025 under new ownership.

Source
Bench: What are Bench's current pricing plans?

Bench offers Bookkeeping at $299/month (billed annually) and Bookkeeping + Tax at $599/month (billed annually). Both include automated bookkeeping, real-time financial statements, and a dedicated team of bookkeepers.

Source
Bench: Does Bench include tax preparation services?

The Bookkeeping plan includes monthly bookkeeping and year-end tax-ready financial statements. The Bookkeeping + Tax plan adds one-on-one income tax consulting and annual income tax return filing.

Source
Bench: How does Bench's bookkeeping work?

Bench combines proprietary software with human bookkeepers. You connect your financial accounts to automate data entry, and Bench's team handles bookkeeping and provides year-end tax-ready statements. Customers can reach their dedicated team within 24 hours.

Source
Bench: Can I access real-time financial data with Bench?

Yes, Bench provides real-time reporting, allowing you to access or download updated income statements and balance sheets at any time.

Source
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