Softwr

Accounting · head to head

Adyen vs Hnry

Adyen logo

Adyen

Accounting

The payments platform built for growth

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

Hnry

Accounting

Accounting for sole traders and the self-employed

From
1/per $100 income
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; Hnry service limited to self-employed sole traders in New Zealand only
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Adyen and Hnry actually diverge.

Attributes where Adyen and Hnry differ
AttributeAdyenHnry
Starting price$0.13/per-transaction1/per $100 income
PlatformsWeb, Api, PosWeb
Founded2006Unknown

Identical on both: pricing model (usage-based), 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 Hnry

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

Hnry

  • Calculating quarterly tax without manual bookkeepingnot Adyen
  • Logging expenses via photo instantlynot Adyen
  • Sending unlimited invoices with auto-follow-upnot Adyen
  • Automatically withholding income taxes year-roundnot 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

Hnry

  • Service limited to self-employed sole traders in New Zealand only
  • 1% + GST fee with $1,500 annual maximum cap
  • Minimum $0.50 fee per transaction for payments under $50

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

Hnry

1/per $100 income

No published plan breakdown. See the Hnry 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 Hnry if

Nothing in the data separates Hnry from Adyen on the points above - pick on price and on how each one feels to use.

Hnry review

Questions people ask

Is Adyen or Hnry better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Hnry at 1/per $100 income, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Hnry?
Adyen starts at $0.13/per-transaction and Hnry at 1/per $100 income.
Does Adyen or Hnry run on more platforms?
Adyen runs on Web, Api, Pos. Hnry runs on Web.
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 Hnry is typically brought in for.
What can Adyen do that Hnry 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
Hnry: How much does Hnry charge?

Hnry charges 1% plus GST of independent income paid into your Hnry Bank Account, with a maximum annual fee of $1,500. Minimum fee is $0.50 per payment for transactions under $50.

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
Hnry: Are there joining fees for Hnry?

No, Hnry has no joining fees, upfront payments, or credit card required to sign up.

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
Hnry: Is the Hnry fee tax deductible?

Yes, Hnry automatically claims its fees as a business expense on your behalf, making them tax-deductible.

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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