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Software · head to head

Adyen vs Expensify

Adyen logo

Adyen

Software

The payments platform built for growth

From
$29/month
Rated
-
Full reviewWebsite
Expensify logo

Expensify

Software

Expense management for receipts, bills & more

From
$5/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; Expensify minimal offline expense entry capabilities hamper use in areas with unstable internet
  • They diverge on capability: Adyen covers Payment processing, Expensify covers SmartScan receipts.

Where they differ

Only the attributes on which Adyen and Expensify actually diverge.

Attributes where Adyen and Expensify differ
AttributeAdyenExpensify
Starting price$29/month$5/month
Pricing modelusage-basedUnknown
PlatformsWeb, Api, PosWeb, iOS, Android
Founded20062008

Identical on both: 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 Expensify

  • SmartScan receipts
  • Expense reports
  • Corporate cards
  • Reimbursements
  • Travel booking
  • Mileage tracking
  • Multi-currency
  • Real-time syncing

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

Expensify

  • Expense reportingnot Adyen
  • Receipt managementnot Adyen
  • Travel expensesnot Adyen
  • Corporate card managementnot Adyen
  • Reimbursementsnot 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

Expensify

  • Minimal offline expense entry capabilities hamper use in areas with unstable internet
  • OCR receipt data extraction requires manual review and correction for accuracy
  • Per-user pricing model increases costs for larger organizations

Pricing, plan by plan

Adyen

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

Expensify

$5/month

No published plan breakdown. See the Expensify review.

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 Expensify if

  • You need smartscan receipts.
  • You work on Web, iOS, Android.
  • You also want expense reports.
Expensify review

Questions people ask

Is Adyen or Expensify better?
Neither clearly leads. Adyen starts at $29/month and Expensify at $5/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Expensify?
Adyen starts at $29/month and Expensify at $5/month.
Does Adyen or Expensify run on more platforms?
Adyen runs on Web, Api, Pos. Expensify 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 Expensify is typically brought in for.
What can Adyen do that Expensify cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Expensify covers SmartScan receipts, Expense reports, Corporate cards, Reimbursements.

Answered from the vendors’ own pages

Expensify: How does Expensify capture receipts?

Expensify uses SmartScan technology with OCR to automatically extract data from receipt images, reducing manual data entry. Users can photograph receipts with their phone to quickly create expense entries.

Source
Expensify: What reimbursement methods does Expensify support?

Expensify supports ACH reimbursement via direct deposit after setting up a direct deposit account. Next-day reimbursement is available, or standard processing takes 3-5 business days.

Source
Expensify: How does Expensify offline mode work?

Expensify has limited offline capabilities. Users can capture receipts offline, but data syncs when internet connectivity is restored. Full functionality requires online access.

Source
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Related pages

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