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Accounting & Finance · head to head

Adyen vs Empower

Adyen logo

Adyen

Accounting & Finance

The payments platform built for growth

From
$29/month
Rated
-
Full reviewWebsite
Empower logo

Empower

Accounting & Finance

All your finances. One app.

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; Empower empower's managed advisory tiers require a minimum of $100,000 in investable assets for Personal Strategy and $1,000,000 for Private Client, with exact advisory fee percentages deferred to the Form ADV filing rather than published on the site.
  • They diverge on capability: Adyen covers Payment processing, Empower covers Net worth tracking.

Where they differ

Only the attributes on which Adyen and Empower actually diverge.

Attributes where Adyen and Empower differ
AttributeAdyenEmpower
Pricing modelusage-basedfreemium
PlatformsWeb, Api, PosWeb, Ios, Android
Founded20062009

Identical on both: starting price ($29/month), free tier (No), user rating (Not yet rated), category (Accounting & Finance).

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 Empower

  • Net worth tracking
  • Investment tracking
  • Retirement planner
  • Cash flow
  • 401k fee analyzer
  • Bank connections
  • Brokerage accounts
  • Bank-level encryption

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

Empower

  • Wealth trackingnot Adyen
  • Retirement planningnot Adyen
  • Investment analysisnot 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

Empower

  • Empower's managed advisory tiers require a minimum of $100,000 in investable assets for Personal Strategy and $1,000,000 for Private Client, with exact advisory fee percentages deferred to the Form ADV filing rather than published on the site.

Pricing, plan by plan

Adyen

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

Empower

$29/month
  • Free ToolsFree
    • Net worth tracking
    • Cash flow
    • Investment checkup
  • Wealth ManagementFree
    • 0.89% AUM fee
    • Dedicated advisor
    • Tax optimization

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 Empower if

  • You need net worth tracking.
  • You work on Web, Ios, Android.
  • You also want investment tracking.
Empower review

Questions people ask

Is Adyen or Empower better?
Neither clearly leads. Adyen starts at $29/month and Empower at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Empower?
Adyen starts at $29/month and Empower at $29/month.
Does Adyen or Empower run on more platforms?
Adyen runs on Web, Api, Pos. Empower 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 Empower is typically brought in for.
What can Adyen do that Empower cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Empower covers Net worth tracking, Investment tracking, Retirement planner, Cash flow. Both handle SOC 2, Web support.
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