Is Adyen or i2c better?

Neither clearly leads. Adyen starts at $0.13/per-transaction and i2c at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Adyen or i2c?

Adyen starts at $0.13/per-transaction and i2c at On request.

Does Adyen or i2c run on more platforms?

Adyen runs on Web, Api, Pos. i2c runs on Web, REST API.

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 i2c is typically brought in for.

What can Adyen do that i2c cannot?

Adyen covers Payment processing, Risk management, Unified commerce, Issuing. i2c covers Configurable product engine, Credit and instalments, Multi-currency, Fraud and risk tooling.

Accounting · head to head

Adyen vs i2c

Adyen

Accounting

The payments platform built for growth

From: $0.13/per-transaction
Rated: -

Full review Website

i2c

APIs

Configurable card issuing and banking processing platform for banks and programme managers

From: On request
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; i2c developer experience lags API-native competitors, and teams expecting Stripe-grade documentation and sandboxes find an enterprise integration project instead.
They diverge on capability: Adyen covers Payment processing, i2c covers Configurable product engine.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Adyen and i2c actually diverge.

Attributes where Adyen and i2c differ
Attribute	Adyen	i2c
Starting price	$0.13/per-transaction	On request
Pricing model	usage-based	quote
Platforms	Web, Api, Pos	Web, REST API
Category	Accounting	APIs
Founded	2006	Unknown

Identical on both: free tier (No), 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 i2c

Configurable product engine
Credit and instalments
Multi-currency
Fraud and risk tooling
Digital banking front ends
Global scheme connectivity

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 i2c
Accepting local payment methods across multiple countriesnot i2c
Settling in several currencies through linked bank accountsnot i2c
Unified online and in-person paymentsnot i2c

i2c

A bank wanting credit, debit and prepaid portfolios on one processor rather than threenot Adyen
An issuer in a market where local scheme and currency support rules out US-centric processorsnot Adyen
A programme manager launching instalment products without building a lending corenot Adyen
A credit union replacing an ageing processor without writing custom code for product rulesnot 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

i2c

Developer experience lags API-native competitors, and teams expecting Stripe-grade documentation and sandboxes find an enterprise integration project instead.
Implementations lean on i2c or partner professional services, so timelines and costs are set by a services queue rather than by your own engineering speed.
Pricing is per active card and per transaction with monthly minimums, none of it published, so comparing bids requires modelling your own portfolio carefully.
Configuration flexibility means product behaviour lives in platform settings rather than in your repository, which complicates version control, testing and audit trails.
As a private company with a broad global footprint, regional support depth is uneven, and a programme in a smaller market may get thinner service than a flagship account.

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

i2c

On request

i2c processing platform$undefined/year
- Per-active-card and per-transaction processing fees
- Minimum monthly commitments by programme
- Implementation and configuration professional 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 i2c if

You need configurable product engine.
You work on Web, REST API.
You also want credit and instalments.

i2c review

Questions people ask

Is Adyen or i2c better?: Neither clearly leads. Adyen starts at $0.13/per-transaction and i2c at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or i2c?: Adyen starts at $0.13/per-transaction and i2c at On request.
Does Adyen or i2c run on more platforms?: Adyen runs on Web, Api, Pos. i2c runs on Web, REST API.
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 i2c is typically brought in for.
What can Adyen do that i2c cannot?: Adyen covers Payment processing, Risk management, Unified commerce, Issuing. i2c covers Configurable product engine, Credit and instalments, Multi-currency, Fraud and risk tooling.

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

i2c: Does i2c issue the cards itself?

No. It processes; issuance sits with a bank or licensed issuer, and in most markets you need that relationship separately.

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

i2c: Can it handle revolving credit?

Yes. Credit, instalments and buy-now-pay-later sit on the same platform as debit and prepaid, which is unusual among modern processors.

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

i2c: Is it self-serve?

No. Expect a configuration-led implementation with professional services rather than signing up and calling an API.

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 i2c

Adyen

i2c

The short version

Where they differ

What each one covers

Only in Adyen

Only in i2c

What people use each for

Adyen

i2c

Where each one falls short

Adyen

i2c

Pricing, plan by plan

Adyen

i2c

Which should you pick?

Choose Adyen if

Choose i2c if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Adyen

More on i2c

Keep looking

Other head to heads