Softwr

Accounting · head to head

Adyen vs Fortnox

Adyen logo

Adyen

Accounting

The payments platform built for growth

From
$0.13/per-transaction
Rated
-
Full reviewWebsite
Fortnox logo

Fortnox

Accounting

Swedish cloud accounting and business platform for bookkeeping, invoicing and payroll

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Fortnox has a free tier, so it costs nothing to try first.
  • 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; Fortnox corporate packages alone span at least 7 named tiers (Mini through Stor+) priced from 209 kr/man to 919 kr/man, and add-on programs are billed separately per module (SEK)
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Adyen and Fortnox actually diverge.

Attributes where Adyen and Fortnox differ
AttributeAdyenFortnox
Starting price$0.13/per-transactionFree
Pricing modelusage-basedsubscription
Free tierNoYes
PlatformsWeb, Api, PosWeb
Founded2006Unknown

Identical on both: 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 Fortnox

Nothing recorded that Adyen does not also cover.

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

Fortnox

  • Registering Swedish corporations with guided formation assistancenot Adyen
  • Selling unpaid invoices to improve cash flownot Adyen
  • Managing multiple client businesses from bureau dashboardnot Adyen
  • Integrating payroll with Swedish banking automationnot 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

Fortnox

  • Corporate packages alone span at least 7 named tiers (Mini through Stor+) priced from 209 kr/man to 919 kr/man, and add-on programs are billed separately per module (SEK)
  • The Fortnox Access verification tier is priced by transaction volume, rising from 9 kr/man at zero verifications to 199 kr/man at 1000+ verifications (SEK), so cost is not fixed and scales with usage

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

Fortnox

Free
  • New Company TrialFree
    • 6-month free trial for newly started businesses

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 Fortnox if

  • You want to start without paying.
Fortnox review

Questions people ask

Is Adyen or Fortnox better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Fortnox at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Fortnox?
Fortnox has a free tier; the other does not. Paid plans start at $0.13/per-transaction for Adyen and Free for Fortnox.
Does Adyen or Fortnox run on more platforms?
Adyen runs on Web, Api, Pos. Fortnox runs on Web.
Can I use Fortnox for free?
Yes. Fortnox has a free tier, so you can try it without paying. Adyen starts at $0.13/per-transaction.
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 Fortnox is typically brought in for.
What can Adyen do that Fortnox cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing.

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
Fortnox: Does Fortnox offer a free trial?

Yes, newly started businesses receive their first six months in Fortnox at no cost, followed by subscription-based pricing.

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
Fortnox: What pricing tiers does Fortnox offer?

Fortnox offers tiered subscription packages that vary by module (accounting, invoicing, payroll) but specific pricing details are not listed on the main website.

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
Fortnox: How can I find Fortnox pricing information?

Detailed pricing is available on the packages page (/paket), through a purchasing guide tool at buy-guide.fortnox.se, or by contacting sales representatives directly.

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
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