Is Adyen or Billin better?

Neither clearly leads. Adyen starts at $0.13/per-transaction and Billin at €6.6/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Adyen or Billin?

Adyen starts at $0.13/per-transaction and Billin at €6.6/month.

Does Adyen or Billin run on more platforms?

Adyen runs on Web, Api, Pos. Billin runs on Web.

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 Billin is typically brought in for.

What can Adyen do that Billin cannot?

Adyen covers Payment processing, Risk management, Unified commerce, Issuing.

Accounting · head to head

Adyen vs Billin

Adyen

Accounting

The payments platform built for growth

From: $0.13/per-transaction
Rated: -

Full review Website

Billin

Accounting

Spanish online invoicing software for freelancers and small businesses

From: €6.6/month
Rated: -

Full review Website

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; Billin plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need
Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Adyen and Billin actually diverge.

Attributes where Adyen and Billin differ
Attribute	Adyen	Billin
Starting price	$0.13/per-transaction	€6.6/month
Pricing model	usage-based	subscription
Platforms	Web, Api, Pos	Web
Founded	2006	Unknown

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 Billin

Nothing recorded that Adyen does not also cover.

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

Billin

Invoice managementnot Adyen
Multi-user accounting for freelancers and small businessesnot 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

Billin

Plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need
Plan Pro still caps clients at 50 and users at 3 for EUR 14/month, so any business with more clients must move to the unlimited EUR 23/month tier

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

Billin

€6.6/month

Plan Básico$80/year
- 0-5 clients
- 1 user
- Max 10 products
Plan Básico$96/month
Plan Pro$168/year
- 6-50 clients
- 3 users
- Max 50 products
Plan Pro$204/month

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 Billin if

Nothing in the data separates Billin from Adyen on the points above - pick on price and on how each one feels to use.

Billin review

Questions people ask

Is Adyen or Billin better?: Neither clearly leads. Adyen starts at $0.13/per-transaction and Billin at €6.6/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Billin?: Adyen starts at $0.13/per-transaction and Billin at €6.6/month.
Does Adyen or Billin run on more platforms?: Adyen runs on Web, Api, Pos. Billin runs on Web.
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 Billin is typically brought in for.
What can Adyen do that Billin cannot?: Adyen covers Payment processing, Risk management, Unified commerce, Issuing.

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

Billin: What are Billin's plan costs?

Billin offers three plans: Básico at €80/year (€6.60/month), Pro at €168/year (€14/month), and Ilimitado at €276/year (€23/month). Annual billing includes 18% savings compared to monthly.

Source

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

Billin: Is there a free trial for Billin?

Yes, Billin offers a 30-day free trial with all features included. No credit card is required to start.

Source

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

Billin: How many users does each Billin plan include?

Básico includes 1 user, Pro includes 3 users, and Ilimitado includes unlimited users.

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

Adyen vs Billin

Adyen

Billin

The short version

Where they differ

What each one covers

Only in Adyen

Only in Billin

What people use each for

Adyen

Billin

Where each one falls short

Adyen

Billin

Pricing, plan by plan

Adyen

Billin

Which should you pick?

Choose Adyen if

Choose Billin if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Adyen

More on Billin

Keep looking

Other head to heads