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Accounting · head to head

Adyen vs Grab

Adyen logo

Adyen

Accounting

The payments platform built for growth

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

Grab

Travel

Southeast Asia super-app combining ride hailing, food delivery and payments across around eight countries in the region

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Grab 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; Grab grab operates only within Southeast Asia, so it is entirely unavailable as an option anywhere outside the region, unlike Uber which has broader global coverage.
  • They diverge on capability: Adyen covers Payment processing, Grab covers Ride hailing.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Adyen and Grab actually diverge.

Attributes where Adyen and Grab differ
AttributeAdyenGrab
Starting price$0.13/per-transactionFree
Pricing modelusage-basedFree app, pay per ride and per order with dynamic pricing
Free tierNoYes
PlatformsWeb, Api, PosiOS, Android
CategoryAccountingTravel
Founded2006Unknown

Identical on both: user rating (Not yet rated).

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 Grab

  • Ride hailing
  • GrabFood and GrabMart
  • GrabExpress
  • GrabPay wallet
  • GrabRewards
  • Financial services

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

Grab

  • A traveller or resident in a Southeast Asian country wanting one app for rides, food delivery and paymentsnot Adyen
  • A merchant in the region wanting to accept GrabPay alongside cards and bank transfernot Adyen
  • A rider who wants to earn and redeem GrabRewards points across both transport and food spendnot Adyen
  • Someone comparing Grab against a global operator like Uber where both are available in the same Southeast Asian citynot 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

Grab

  • Grab operates only within Southeast Asia, so it is entirely unavailable as an option anywhere outside the region, unlike Uber which has broader global coverage.
  • The interface bundles ride hailing with food delivery, grocery and financial services promotion, which can clutter the experience for a user who only wants to book a ride.
  • Feature availability, including which financial services and delivery categories are supported, varies significantly by country and even by city within a country, so the experience is not consistent across the region.
  • Pricing is dynamic with demand-based surge similar to other ride hailing platforms, with no published flat rate card making advance cost estimation difficult during peak periods.
  • As a dominant regional platform in several of its markets, Grab has faced periodic regulatory scrutiny over market concentration and driver classification issues in specific Southeast Asian countries.

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

Grab

Free
  • GrabFree
    • App is free; riders and delivery customers pay per trip or order at dynamic pricing
    • Fares vary by country and city, with demand-based surge during peak periods
    • GrabPay wallet top-ups and GrabRewards points used across rides, food and other services

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 Grab if

  • You need ride hailing.
  • You want to start without paying.
  • You work on iOS, Android.
  • You also want grabfood and grabmart.
Grab review

Questions people ask

Is Adyen or Grab better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Grab at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Grab?
Grab has a free tier; the other does not. Paid plans start at $0.13/per-transaction for Adyen and Free for Grab.
Does Adyen or Grab run on more platforms?
Adyen runs on Web, Api, Pos. Grab runs on iOS, Android.
Can I use Grab for free?
Yes. Grab 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 Grab is typically brought in for.
What can Adyen do that Grab cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Grab covers Ride hailing, GrabFood and GrabMart, GrabExpress, GrabPay wallet.

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
Grab: Does Grab operate outside Southeast Asia?

No. Grab is focused entirely on Southeast Asia, covering countries including Singapore, Malaysia, Indonesia, Thailand, Vietnam, the Philippines, Cambodia and Myanmar.

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
Grab: Is Grab just a ride hailing app?

No, it operates as a super-app including GrabFood delivery, GrabMart grocery, GrabExpress courier services and the GrabPay digital wallet alongside ride hailing.

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
Grab: Do all Grab services work in every country it operates in?

No, service availability including specific delivery categories and financial products varies by country and city.

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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