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Accounting · head to head

Adyen vs Conta Azul

Adyen logo

Adyen

Accounting

The payments platform built for growth

From
$0.13/per-transaction
Rated
-
Full reviewWebsite
Conta Azul logo

Conta Azul

Accounting

Brazilian cloud system for small business finance, invoicing and sharing the books with the accountant

From
239.9/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; Conta Azul it is a Brazilian product with Brazilian fiscal logic, so it is of no use to an entity filing anywhere else, and a foreign group with a Brazilian subsidiary runs it as a local island alongside whatever the group reports in.
  • They diverge on capability: Adyen covers Payment processing, Conta Azul covers Electronic invoice issuance.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Adyen and Conta Azul actually diverge.

Attributes where Adyen and Conta Azul differ
AttributeAdyenConta Azul
Starting price$0.13/per-transaction239.9/month
Pricing modelusage-basedsubscription
PlatformsWeb, Api, PosWeb
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 Conta Azul

  • Electronic invoice issuance
  • Receivables and payables
  • Bank reconciliation
  • Boleto collection
  • Customer and supplier records
  • Sales orders and quotations
  • Stock control
  • Accountant access

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

Conta Azul

  • A Brazilian micro or small business under the simplified tax regime that runs receivables in a spreadsheet and wants control of cash flownot Adyen
  • A service company that needs to issue municipal service invoices and reconcile boleto collections without manual matchingnot Adyen
  • A business whose accountant asks for organised records each month instead of a folder of documentsnot Adyen
  • A small retailer or distributor needing basic stock control tied to the documents it already has to issuenot 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

Conta Azul

  • It is a Brazilian product with Brazilian fiscal logic, so it is of no use to an entity filing anywhere else, and a foreign group with a Brazilian subsidiary runs it as a local island alongside whatever the group reports in.
  • Plans are scoped by revenue band, so a company that crosses a threshold pays more without necessarily using more of the product, and budgeting the software cost means forecasting turnover rather than usage.
  • It is not a tax calculation and filing engine, so the accountant still prepares the statutory obligations, and a business that expects the subscription to cover its Brazilian tax compliance has misread what it is buying.
  • Municipal service invoice coverage varies by city because each municipality runs its own system, so a business in a smaller or unusual municipality may find its service invoices still have to be issued on the city portal by hand.
  • The product targets micro and small companies under the simplified regime, so a business that grows into the more complex Brazilian tax regimes will outgrow it and face a migration at exactly the moment its accounting is becoming harder.

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

Conta Azul

239.9/month
  • Essencial (MEI)$239.9/month
    • 1 user access
    • Financial management
    • Invoicing
  • Controle (ME)$449.9/month
    • 2 user accesses
    • Financial management
    • Invoicing
  • Avançado$519.9/month
    • 5 user accesses
    • Financial management
    • Invoicing
  • Performance$839.9/month
    • 15 user accesses
    • Financial management
    • Invoicing

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 Conta Azul if

  • You need electronic invoice issuance.
  • You also want receivables and payables.
Conta Azul review

Questions people ask

Is Adyen or Conta Azul better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Conta Azul at 239.9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Conta Azul?
Adyen starts at $0.13/per-transaction and Conta Azul at 239.9/month.
Does Adyen or Conta Azul run on more platforms?
Adyen runs on Web, Api, Pos. Conta Azul 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 Conta Azul is typically brought in for.
What can Adyen do that Conta Azul cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Conta Azul covers Electronic invoice issuance, Receivables and payables, Bank reconciliation, Boleto collection.

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
Conta Azul: Does Conta Azul do my tax filings?

No. It organises the operational and financial records and shares them with your accountant, who prepares and files the tax obligations. It is the record keeping layer, not the compliance filer.

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
Conta Azul: Can it issue service invoices for my city?

Coverage depends on your municipality, because each runs its own service invoice system. Check your specific city before subscribing, since a gap there is the difference between automation and manual issuance.

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
Conta Azul: Why does the price depend on my revenue?

Plans are banded by turnover rather than purely by features or users. It keeps the entry price low for very small companies, but it means growth triggers a price change independent of how much of the product you use.

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
Conta Azul: Will my accountant work in it?

Many Brazilian practices already do, and there is a dedicated accountant role. Ask your accountant before subscribing; if they work in a different product, the friction of running two systems usually falls on you.

Conta Azul: Is it suitable if I leave the simplified tax regime?

It is built around smaller companies and the simplified regime. As the tax treatment becomes more complex, expect to outgrow it and to face a migration alongside a change of accounting complexity.

Conta Azul: Is there an English interface?

It is a Brazilian product in Portuguese, aimed at Brazilian owners and accountants. Plan for Portuguese language operation.

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