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Software · head to head

Adyen vs Brex

Adyen logo

Adyen

Software

The payments platform built for growth

From
$29/month
Rated
-
Full reviewWebsite
Brex logo

Brex

Software

The financial stack for growing businesses

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; Brex the free Essentials tier is limited to two legal entities
  • They diverge on capability: Adyen covers Payment processing, Brex covers Corporate cards.

Where they differ

Only the attributes on which Adyen and Brex actually diverge.

Attributes where Adyen and Brex differ
AttributeAdyenBrex
Pricing modelusage-basedfreemium
PlatformsWeb, Api, PosWeb, Ios, Android
Founded20062017

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
  • SAP
  • Salesforce
  • Oracle

Only in Brex

  • Corporate cards
  • Business accounts
  • Expense management
  • Bill pay
  • Travel
  • QuickBooks
  • NetSuite
  • Xero

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

Brex

  • Corporate cards with spend controls for startupsnot Adyen
  • Expense management and reimbursementsnot Adyen
  • Travel booking inside the spend platformnot Adyen
  • Bill pay and accounting system syncnot Adyen
  • Multi-entity spend management on the paid tiersnot 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

Brex

  • The free Essentials tier is limited to two legal entities
  • Premium is $12 per user per month, so cost scales with headcount using the card
  • Enterprise and Smart Card pricing is not published
  • Eligibility criteria are not stated anywhere on the pricing page, which matters for a product that extends credit

Pricing, plan by plan

Adyen

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

Brex

$29/month
  • EssentialsFree
    • Corporate cards
    • Expense management
    • Bill pay
  • Premium$12/month
    • Advanced controls
    • Custom approvals
    • Travel booking

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 Brex if

  • You need corporate cards.
  • You work on Web, Ios, Android.
  • You also want business accounts.
Brex review

Questions people ask

Is Adyen or Brex better?
Neither clearly leads. Adyen starts at $29/month and Brex at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Brex?
Adyen starts at $29/month and Brex at $29/month.
Does Adyen or Brex run on more platforms?
Adyen runs on Web, Api, Pos. Brex 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 Brex is typically brought in for.
What can Adyen do that Brex cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Brex covers Corporate cards, Business accounts, Expense management, Bill pay. Both handle SOC 2, Web support.
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