Softwr

Accounting · head to head

Adyen vs Sila

Adyen logo

Adyen

Accounting

The payments platform built for growth

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

Sila

APIs

US money movement API for ACH, RTP and FedNow with KYC and ledgering built in

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; Sila no pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
  • They diverge on capability: Adyen covers Payment processing, Sila covers ACH origination.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Adyen and Sila actually diverge.

Attributes where Adyen and Sila differ
AttributeAdyenSila
Starting price$0.13/per-transactionOn request
Pricing modelusage-basedquote
PlatformsWeb, Api, PosWeb, API
CategoryAccountingAPIs
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 Sila

  • ACH origination
  • Instant rails
  • KYC and KYB
  • Virtual accounts
  • Ledger
  • Wallets and holds
  • Webhooks
  • Bank-side deployment

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

Sila

  • A small fintech that needs ACH, identity verification and a ledger from one vendor because it has no compliance team to assemble threenot Adyen
  • A marketplace paying out to sellers that wants same-day ACH and instant push options without becoming a money transmitter itselfnot Adyen
  • A community bank replacing batch file ACH processing with an API so it can offer real-time payments to business customersnot Adyen
  • A lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integrationnot 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

Sila

  • No pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
  • Sila is materially smaller and less well capitalised than the banking-as-a-service names it competes with, which matters because your customer funds and your payment rails depend on the vendor still trading in three years.
  • The sponsor bank behind your programme determines what you can offer and how fast you can change it, and bank partnerships in this sector have been reshuffled repeatedly since 2023, so a bank change during your contract is a realistic risk rather than a theoretical one.
  • Coverage is United States only, so any product with cross-border ambitions needs a second payments vendor and a second reconciliation process from the outset.
  • Onboarding involves compliance diligence on your own programme, and teams routinely underestimate this, with weeks lost between signing and first live transaction while policies, flow of funds diagrams and BSA arrangements are reviewed.

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

Sila

On request
  • Sila Payments Platform$undefined/month
    • ACH, RTP and FedNow
    • KYC and KYB verification
    • Virtual accounts and ledger

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 Sila if

  • You need ach origination.
  • You work on Web, API.
  • You also want instant rails.
Sila review

Questions people ask

Is Adyen or Sila better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Sila at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Sila?
Adyen starts at $0.13/per-transaction and Sila at On request.
Does Adyen or Sila run on more platforms?
Adyen runs on Web, Api, Pos. Sila runs on Web, API.
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 Sila is typically brought in for.
What can Adyen do that Sila cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Sila covers ACH origination, Instant rails, KYC and KYB, Virtual accounts.

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
Sila: Does Sila require a sponsor bank?

Yes. Funds sit at a partner bank, and which bank that is affects your product features and your regulatory exposure, so ask before signing.

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
Sila: Is Sila still operating?

Yes. It continues to trade and announced an API integration with GBank in 2025 covering ACH, RTP and FedNow.

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
Sila: What does it cost?

Sila does not publish rates. Expect per-transaction pricing plus a monthly minimum, quoted after a compliance conversation.

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
Sila: Can I use it outside the United States?

No. Sila covers US rails only.

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