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Accounting · head to head

Adyen vs Paperbell

Adyen logo

Adyen

Accounting

The payments platform built for growth

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

Paperbell

Proposals

Packaged offer, contract, scheduling and payment flow built for coaches selling sessions rather than projects

From
On request
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; Paperbell it only models packaged session based work, so anyone selling project scoped deliverables will find the proposal side too rigid to use.
  • They diverge on capability: Adyen covers Payment processing, Paperbell covers Package based offers.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Adyen and Paperbell actually diverge.

Attributes where Adyen and Paperbell differ
AttributeAdyenPaperbell
Starting price$0.13/per-transactionOn request
Pricing modelusage-basedquote
PlatformsWeb, Api, PosWeb
CategoryAccountingProposals
Founded2006Unknown

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 Paperbell

  • Package based offers
  • Contract signature
  • Payment plans
  • Session counting
  • Scheduling
  • Intake questionnaires
  • Client portal

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

Paperbell

  • A coach selling a fixed six session package who is currently using three separate tools to sell itnot Adyen
  • Replacing a scheduling subscription, an e signature subscription and an invoicing tool with one accountnot Adyen
  • Selling coaching packages on instalments where remaining sessions must be tracked against paymentnot Adyen
  • A therapist or consultant who needs an intake questionnaire attached to the purchase rather than emailed afterwardsnot 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

Paperbell

  • It only models packaged session based work, so anyone selling project scoped deliverables will find the proposal side too rigid to use.
  • There is no time tracking, project management or task system, so any work between sessions is managed somewhere else entirely.
  • Payments run through a third party gateway, so the card processing fee applies on top of the subscription and is easy to leave out of a comparison.
  • The flat account price is attractive at scale but poor value for a coach with two or three clients, who is subsidising capacity they do not use.
  • Customisation of the client facing pages is limited, so a coach with a strong brand will find the purchase flow looks like every other Paperbell 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

Paperbell

On request
  • Paperbell$undefined/year
    • Unlimited clients on a flat account price
    • Packages with contract, payment and scheduling
    • Payment plans and subscriptions

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 Paperbell if

  • You need package based offers.
  • You also want contract signature.
Paperbell review

Questions people ask

Is Adyen or Paperbell better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Paperbell at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Paperbell?
Adyen starts at $0.13/per-transaction and Paperbell at On request.
Does Adyen or Paperbell run on more platforms?
Adyen runs on Web, Api, Pos. Paperbell 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 Paperbell is typically brought in for.
What can Adyen do that Paperbell cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Paperbell covers Package based offers, Contract signature, Payment plans, Session counting.

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
Paperbell: Is it priced per client?

No. It is a flat account price with unlimited clients, which is unusual in this category and is the main economic argument for it.

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
Paperbell: Does it take a cut of my payments?

The card processor takes its standard fee. Confirm the current subscription price with the vendor and model the processing fee separately.

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
Paperbell: Can I use it for project work?

Not well. It is built around packages of sessions, and project scoped proposals do not fit that shape.

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
Paperbell: Do I still need a scheduling tool?

No. Scheduling is built in, and replacing a separate scheduling subscription is part of the cost case.

Paperbell: Can I brand the client pages?

Only lightly. Deep brand customisation is not available.

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