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Accounting · head to head

Adyen vs Maxio

Adyen logo

Adyen

Accounting

The payments platform built for growth

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

Maxio

Accounting

Billing and financial reporting platform for B2B SaaS companies

From
$599/month
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; Maxio entry-level Grow plan starts at $599/month, making it costly for very early-stage startups.
  • They diverge on capability: Adyen covers Payment processing, Maxio covers Usage-based billing.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Adyen and Maxio actually diverge.

Attributes where Adyen and Maxio differ
AttributeAdyenMaxio
Starting price$0.13/per-transaction$599/month
Pricing modelusage-basedsubscription
PlatformsWeb, Api, Posweb, api
Founded2006Unknown

Identical on both: 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 Maxio

  • Usage-based billing
  • Subscription management
  • Revenue recognition
  • SaaS metrics dashboards
  • Dunning and collections
  • Accounting and CRM integrations

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

Maxio

  • Billing for B2B SaaS companies with complex contractsnot Adyen
  • Usage-based and hybrid pricing meteringnot Adyen
  • GAAP/IFRS revenue recognition for finance teamsnot Adyen
  • SaaS metrics reporting for investors and boardsnot 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

Maxio

  • Entry-level Grow plan starts at $599/month, making it costly for very early-stage startups.
  • Pricing above the Grow tier requires a custom quote rather than transparent self-serve pricing.
  • Focused specifically on B2B SaaS billing, so it lacks general e-commerce checkout or consumer payment features found in platforms like FastSpring.
  • Advanced features like multi-entity support and expense amortization are gated behind paid add-ons.

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

Maxio

$599/month
  • Grow$599/month
    • For businesses up to $100k in monthly billings
    • Usage-based and recurring billing
    • Automated invoicing and dunning
  • Scale$undefined/month
    • For businesses over $100k in monthly billings
    • Advanced revenue management add-ons
    • Multi-entity support

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 Maxio if

  • You need usage-based billing.
  • You work on web, api.
  • You also want subscription management.
Maxio review

Questions people ask

Is Adyen or Maxio better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Maxio at $599/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Maxio?
Adyen starts at $0.13/per-transaction and Maxio at $599/month.
Does Adyen or Maxio run on more platforms?
Adyen runs on Web, Api, Pos. Maxio runs on web, 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 Maxio is typically brought in for.
What can Adyen do that Maxio cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Maxio covers Usage-based billing, Subscription management, Revenue recognition, SaaS metrics dashboards.

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
Maxio: What does Maxio cost?

Maxio's Grow plan costs $599/month for businesses with up to $100k in monthly billings. Businesses above that threshold need the Scale plan, which requires a custom quote from Maxio's sales team.

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
Maxio: Is there a free plan?

No, Maxio does not offer a free plan. The Grow plan at $599/month is the entry point, with unlimited users included at no extra cost.

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
Maxio: What does Maxio integrate with?

Maxio integrates with accounting systems like QuickBooks, Xero, and NetSuite, CRMs including Salesforce, HubSpot, and Pipedrive, and 20+ payment gateways alongside its own Maxio Payments.

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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