Is Adyen or Expensify better?

Neither clearly leads. Adyen starts at $0.13/per-transaction 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 $0.13/per-transaction 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.

Accounting · head to head

Adyen vs Expensify

Adyen

Accounting

The payments platform built for growth

From: $0.13/per-transaction
Rated: -

Full review Website

Expensify

Accounting

Expense management for receipts, bills & more

From: $5/month
Rated: -

Full review Website

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.
Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Adyen and Expensify actually diverge.

Attributes where Adyen and Expensify differ
Attribute	Adyen	Expensify
Starting price	$0.13/per-transaction	$5/month
Pricing model	usage-based	Unknown
Platforms	Web, Api, Pos	Web, iOS, Android
Founded	2006	2008

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 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

$0.13/per-transaction

Transaction-Based Pricing$undefined/mo
- Fixed $0.13 USD per transaction
- Variable fee determined by payment method
- No setup fees

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 $0.13/per-transaction 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 $0.13/per-transaction 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

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

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

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

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

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

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

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

Adyen vs Expensify

Adyen

Expensify

The short version

Where they differ

What each one covers

Only in Adyen

Only in Expensify

What people use each for

Adyen

Expensify

Where each one falls short

Adyen

Expensify

Pricing, plan by plan

Adyen

Expensify

Which should you pick?

Choose Adyen if

Choose Expensify if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Adyen

More on Expensify

Keep looking

Other head to heads