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Software · head to head

Adyen vs BlackLine

Adyen logo

Adyen

Software

The payments platform built for growth

From
$29/month
Rated
-
Full reviewWebsite
BlackLine logo

BlackLine

Software

Finance & accounting automation

From
$29/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; BlackLine listed on UK G-Cloud 13 at £1,150 to £2,160 per user per year for the public sector, with no free trial offered, per BlackLine's Finance Operations Management Solution pricing document
  • They diverge on capability: Adyen covers Payment processing, BlackLine covers Account reconciliation.

Where they differ

Only the attributes on which Adyen and BlackLine actually diverge.

Attributes where Adyen and BlackLine differ
AttributeAdyenBlackLine
Pricing modelusage-basedsubscription
PlatformsWeb, Api, PosWeb
Founded20062001

Identical on both: starting price ($29/month), 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
  • Salesforce
  • PCI DSS Level 1
  • SOC 2

Only in BlackLine

  • Account reconciliation
  • Journal entries
  • Task management
  • Variance analysis
  • Financial close
  • NetSuite
  • SOC 1/2
  • ISO 27001

Both cover

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

BlackLine

  • Financial closenot Adyen
  • Reconciliationnot Adyen
  • Continuous accountingnot 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

BlackLine

  • Listed on UK G-Cloud 13 at £1,150 to £2,160 per user per year for the public sector, with no free trial offered, per BlackLine's Finance Operations Management Solution pricing document

Pricing, plan by plan

Adyen

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

BlackLine

$29/month
  • EnterpriseFree
    • Custom pricing
    • Account reconciliation
    • Task management

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 BlackLine if

  • You need account reconciliation.
  • You also want journal entries.
BlackLine review

Questions people ask

Is Adyen or BlackLine better?
Neither clearly leads. Adyen starts at $29/month and BlackLine at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or BlackLine?
Adyen starts at $29/month and BlackLine at $29/month.
Does Adyen or BlackLine run on more platforms?
Adyen runs on Web, Api, Pos. BlackLine 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 BlackLine is typically brought in for.
What can Adyen do that BlackLine cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. BlackLine covers Account reconciliation, Journal entries, Task management, Variance analysis. Both handle SAP, Oracle, Web support.
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