Accounting & Finance · head to head
Adyen vs Oyster

Adyen
Accounting & Finance
The payments platform built for growth
- From
- $29/month
- Rated
- -
The short version
- Only Oyster 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; Oyster employer of Record is $699 per employee per month, with the discount tied to annual billing
- They diverge on capability: Adyen covers Payment processing, Oyster covers Global Employment.
Where they differ
Only the attributes on which Adyen and Oyster actually diverge.
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 Oyster
- Global Employment
- Payroll
- Benefits
- Compliance
- Contractor Management
- Time Off
- Expenses
- BambooHR
Both cover
- Web support
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 Oyster
- Accepting local payment methods across multiple countriesnot Oyster
- Settling in several currencies through linked bank accountsnot Oyster
- Unified online and in-person paymentsnot Oyster
Oyster
- Hiring employees abroad without setting up a local legal entitynot Adyen
- Onboarding and paying international contractorsnot Adyen
- Getting country specific employment compliance advice for distributed teamsnot 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
Oyster
- Employer of Record is $699 per employee per month, with the discount tied to annual billing
- A refundable deposit is required before an EOR engagement starts
- Contractor management is free for 30 days then $29 per contractor per month
- HR advisory through People Partner Services is billed at $300 per hour on top of the subscription
- A currency conversion fee applies when you pay Oyster in a currency other than the contract currency
- Payments are accepted only by direct debit or wire in USD, EUR, GBP or CAD
Pricing, plan by plan
Adyen
$29/month- CustomFree
- Payment processing
- Risk management
- Unified commerce
Oyster
Free- Contractor$29/month
- Contractor Payments
- Compliant Contracts
- Invoicing
- Employee$599/month
- Global Employment
- Payroll
- Benefits
Which should you pick?
Choose Adyen if
- You need payment processing.
- You work on Web, Api, Pos.
- You also want risk management.
Choose Oyster if
- You need global employment.
- You want to start without paying.
- You work on Web, Ios, Android.
- You also want payroll.
Questions people ask
- Is Adyen or Oyster better?
- Neither clearly leads. Adyen starts at $29/month and Oyster at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Adyen or Oyster?
- Oyster has a free tier; the other does not. Paid plans start at $29/month for Adyen and Free for Oyster.
- Does Adyen or Oyster run on more platforms?
- Adyen runs on Web, Api, Pos. Oyster runs on Web, Ios, Android.
- Can I use Oyster for free?
- Yes. Oyster has a free tier, so you can try it without paying. Adyen starts at $29/month.
- 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 Oyster is typically brought in for.
- What can Adyen do that Oyster cannot?
- Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Oyster covers Global Employment, Payroll, Benefits, Compliance. Both handle Web support.
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