Accounting · head to head
Adyen vs Rydoo
Adyen
Accounting
The payments platform built for growth
- From
- $0.13/per-transaction
- Rated
- -
Rydoo
Accounting
Expense management with per-user pricing and a five-user minimum, built for European multi-entity teams
- From
- $10/month
- Rated
- -
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; Rydoo a five-user minimum means very small teams pay for seats they do not have, which removes Rydoo from consideration for firms of two or three.
- They diverge on capability: Adyen covers Payment processing, Rydoo covers Receipt OCR.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Adyen and Rydoo actually diverge.
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 Rydoo
- Receipt OCR
- Per diem engine
- Mileage
- VAT fields
- Multi-entity
- ERP export
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 Rydoo
- Accepting local payment methods across multiple countriesnot Rydoo
- Settling in several currencies through linked bank accountsnot Rydoo
- Unified online and in-person paymentsnot Rydoo
Rydoo
- A Belgian or German employer that must apply statutory per diem rates correctly across staff travelling in several countriesnot Adyen
- A group with five legal entities wanting one expense tool but separate approval chains and ledgersnot Adyen
- A company that already has a corporate card programme and refuses to change banks to get expense softwarenot Adyen
- A finance team recovering VAT on foreign travel and needing the fields captured at claim timenot 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
Rydoo
- A five-user minimum means very small teams pay for seats they do not have, which removes Rydoo from consideration for firms of two or three.
- Pricing is per user rather than per active user, so organisations where most staff claim expenses twice a year still pay a full seat every month for them.
- There is no card issuing, so real-time spend control and pre-authorisation are outside the product and remain with your bank.
- Per diem and multi-entity handling sit on the higher tier, so the countries that most need Rydoo generally cannot buy the cheap plan.
- Receipt extraction quality varies by language and receipt format, and finance teams still review a meaningful share of claims by hand.
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
Rydoo
$10/month- Essentials$10/month
- Around 9 per user per month billed annually
- Five-user minimum
- Receipt capture, approvals and accounting export
- Pro$12/month
- Around 11 per user per month billed annually
- Per diem engine and advanced policy controls
- Multi-entity and multi-currency handling
- Enterprise$undefined/month
- Quoted pricing
- Custom ERP and single sign-on work
- Dedicated support and onboarding
Which should you pick?
Choose Adyen if
- You need payment processing.
- You work on Web, Api, Pos.
- You also want risk management.
Choose Rydoo if
- You need receipt ocr.
- You work on Web, iOS, Android.
- You also want per diem engine.
Questions people ask
- Is Adyen or Rydoo better?
- Neither clearly leads. Adyen starts at $0.13/per-transaction and Rydoo at $10/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Adyen or Rydoo?
- Adyen starts at $0.13/per-transaction and Rydoo at $10/month.
- Does Adyen or Rydoo run on more platforms?
- Adyen runs on Web, Api, Pos. Rydoo runs on Web, iOS, Android.
- 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 Rydoo is typically brought in for.
- What can Adyen do that Rydoo cannot?
- Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Rydoo covers Receipt OCR, Per diem engine, Mileage, VAT fields.
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.
SourceRydoo: Does Rydoo issue cards?
No. It is expense software only; you keep your existing corporate card or bank programme.
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.
SourceRydoo: Is there a minimum?
Yes, pricing carries a five-user minimum, so the smallest bill is five seats regardless of headcount.
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.
SourceRydoo: Do I need the Pro plan?
If you operate per diems, multiple legal entities or multi-currency claims, yes. Essentials is for single-entity receipt and approval workflows.
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.
SourceRelated pages
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