Is Adyen or Lexware better?

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

Which is cheaper, Adyen or Lexware?

Lexware has a free tier; the other does not. Paid plans start at $0.13/per-transaction for Adyen and Free for Lexware.

Does Adyen or Lexware run on more platforms?

Adyen runs on Web, Api, Pos. Lexware runs on Web.

Can I use Lexware for free?

Yes. Lexware 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 Lexware is typically brought in for.

What can Adyen do that Lexware cannot?

Adyen covers Payment processing, Risk management, Unified commerce, Issuing.

Accounting · head to head

Adyen vs Lexware

Adyen

Accounting

The payments platform built for growth

From: $0.13/per-transaction
Rated: -

Full review Website

Lexware

Accounting

Accounting and invoicing software for German small businesses and freelancers

From: Free
Rated: -

Full review Website

The short version

Only Lexware 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; Lexware 50% discount only applies for first 3 months
Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Adyen and Lexware actually diverge.

Attributes where Adyen and Lexware differ
Attribute	Adyen	Lexware
Starting price	$0.13/per-transaction	Free
Pricing model	usage-based	subscription
Free tier	No	Yes
Platforms	Web, Api, Pos	Web
Founded	2006	Unknown

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 Lexware

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

Lexware

German business accountingnot Adyen
Invoicing and bookkeepingnot 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

Lexware

50% discount only applies for first 3 months
Regular prices are double the discounted prices after promotion
Pricing is in EUR only

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

Lexware

Free

S$3.95/month
- Belegerfassung und -archiv (Document capture and archive)
M$6.45/month
- Angebote, (E-) Rechnungen und Mahnungen (Offers, invoices, reminders)
L$10.95/month
- Buchhaltung, EÜR und Umsatzsteuer (Accounting, EÜR, sales tax)
XL$16.45/month
- EU- und Abschlagsrechnungen, API (EU invoices, installment invoices, API)

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 Lexware if

You want to start without paying.

Lexware review

Questions people ask

Is Adyen or Lexware better?: Neither clearly leads. Adyen starts at $0.13/per-transaction and Lexware at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Lexware?: Lexware has a free tier; the other does not. Paid plans start at $0.13/per-transaction for Adyen and Free for Lexware.
Does Adyen or Lexware run on more platforms?: Adyen runs on Web, Api, Pos. Lexware runs on Web.
Can I use Lexware for free?: Yes. Lexware 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 Lexware is typically brought in for.
What can Adyen do that Lexware 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

Lexware: How much does Lexware cost?

Lexware pricing ranges from €3.95/month (plan S) to €16.45/month (plan XL) at discounted rates. Regular pricing is €7.90 to €32.90/month. All prices include hosting, backups, updates, and support.

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

Lexware: Is there a current promotional offer?

Yes, Lexware offers 50% discount for the first 3 months on all plans, then regular pricing applies. The billing period is monthly and cancellable anytime.

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

Lexware: Does Lexware offer a free trial?

Yes, Lexware offers a 30-day free trial with full XL features plus Lohn & Gehalt (payroll) access included.

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 Lexware

Adyen

Lexware

The short version

Where they differ

What each one covers

Only in Adyen

Only in Lexware

What people use each for

Adyen

Lexware

Where each one falls short

Adyen

Lexware

Pricing, plan by plan

Adyen

Lexware

Which should you pick?

Choose Adyen if

Choose Lexware if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Adyen

More on Lexware

Keep looking

Other head to heads