Adyen vs Paychex

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.

Paychex quotes per client rather than publishing rates, and the structure typically includes a base fee plus a per employee per payroll charge with extras for year end and off cycle runs. Get the full fee schedule in writing, including what a mid year change of plan costs.

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.

Contractually the provider generally accepts responsibility for errors it makes, but the employer remains the party the tax authorities pursue. Read the specific indemnity language rather than relying on the sales description.

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.

Technically yes, but you must carry year to date figures across for every employee and jurisdiction, and errors there surface at year end on employee tax forms. Most businesses switch effective 1 January for that reason.

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.

Under the professional employer organisation arrangement Paychex becomes a co-employer for tax and benefits purposes, which changes your benefits access and some of your employment administration. It costs more and it is harder to unwind, so treat it as a different decision from buying payroll.

It exports a general ledger file and connects to the mainstream accounting products. Confirm the mapping to your chart of accounts during onboarding, because a generic export means your bookkeeper recodes every run.

It will serve you, but very small employers often find the per run charges and the service tiering expensive relative to self service payroll products. The case improves once multi state complexity or benefits administration enters the picture.