Is Adyen or Qonto better?

Neither clearly leads. Adyen starts at $0.13/per-transaction and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Adyen or Qonto?

Adyen starts at $0.13/per-transaction and Qonto at €9/month.

Does Adyen or Qonto run on more platforms?

Adyen runs on Web, Api, Pos. Qonto 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 Qonto is typically brought in for.

What can Adyen do that Qonto cannot?

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

Accounting · head to head

Adyen vs Qonto

Adyen

Accounting

The payments platform built for growth

From: $0.13/per-transaction
Rated: -

Full review Website

Qonto

Accounting

French neobank and finance management platform for freelancers, SMEs and businesses

From: €9/month
Rated: -

Full review Website

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; Qonto pricing in EUR only, not USD
Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Adyen and Qonto actually diverge.

Attributes where Adyen and Qonto differ
Attribute	Adyen	Qonto
Starting price	$0.13/per-transaction	€9/month
Pricing model	usage-based	subscription
Platforms	Web, Api, Pos	Web
Founded	2006	Unknown

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 Qonto

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

Qonto

Business bankingnot Adyen
Team paymentsnot Adyen
Cash flow managementnot Adyen
Multi-currency transfersnot Adyen
Freelancer paymentsnot 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

Qonto

Pricing in EUR only, not USD
Basic tier limited to 30 transfers per month
Add-ons for invoice automation and project tracking cost EUR 12-39/month extra
Business tier minimum commitment for small team accounts
Business plan minimum pricing EUR 49/month vs self-employed EUR 9/month

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

Qonto

€9/month

Basic (Self-Employed)$9/month
- 30 transfers
- 1 physical + 2 virtual cards
- Account remuneration 5% for 2 months
Smart (Self-Employed)$19/month
- 100 transfers
- 2 physical + 50 virtual cards
- Account remuneration
Premium (Self-Employed)$39/month
- 200 transfers
- 2 physical + 50 virtual + 50 Instant cards
Essential (Business)$49/month
- 250 transfers
- 5 physical + 50 virtual cards
- Multiple sub-accounts

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 Qonto if

Nothing in the data separates Qonto from Adyen on the points above - pick on price and on how each one feels to use.

Qonto review

Questions people ask

Is Adyen or Qonto better?: Neither clearly leads. Adyen starts at $0.13/per-transaction and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Qonto?: Adyen starts at $0.13/per-transaction and Qonto at €9/month.
Does Adyen or Qonto run on more platforms?: Adyen runs on Web, Api, Pos. Qonto 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 Qonto is typically brought in for.
What can Adyen do that Qonto 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

Qonto: How much does Qonto cost?

Qonto's self-employed plans range from EUR 9/month (Basic) to EUR 39/month (Premium). Business plans range from EUR 49/month (Essential) to EUR 199/month (Enterprise).

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

Qonto: What is included in Qonto's Basic plan?

The Basic plan costs EUR 9/month and includes 30 monthly transfers, 1 physical card and 2 virtual cards, plus account remuneration at 5% for the first 2 months.

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

Qonto: What is the difference between self-employed and business plans?

Self-employed plans (Basic to Premium) are for individuals and cost EUR 9-39/month. Business plans (Essential to Enterprise) offer more transfers and cards for teams, ranging from EUR 49-199/month.

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 Qonto

Adyen

Qonto

The short version

Where they differ

What each one covers

Only in Adyen

Only in Qonto

What people use each for

Adyen

Qonto

Where each one falls short

Adyen

Qonto

Pricing, plan by plan

Adyen

Qonto

Which should you pick?

Choose Adyen if

Choose Qonto if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Adyen

More on Qonto

Keep looking

Other head to heads