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Accounting · head to head

Adyen vs Skrill

Adyen logo

Adyen

Accounting

The payments platform built for growth

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

Skrill

Personal Finance

Fast and secure money transfer

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Skrill has a free tier, so it costs nothing to try first.
  • 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; Skrill a currency conversion fee of 4.49 percent applies to most conversions
  • They diverge on capability: Adyen covers Payment processing, Skrill covers Money transfers.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Adyen and Skrill actually diverge.

Attributes where Adyen and Skrill differ
AttributeAdyenSkrill
Starting price$0.13/per-transactionFree
Pricing modelusage-basedtransaction
Free tierNoYes
PlatformsWeb, Api, PosWeb, IOS, Android
CategoryAccountingPersonal Finance
Founded20062001

Identical on both: 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 Skrill

  • Money transfers
  • Digital wallet
  • Currency conversion
  • Prepaid card
  • Bank accounts
  • Credit cards
  • IOS support
  • Android support

Both cover

  • Web support

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

Skrill

  • Sending money internationally from a prepaid digital walletnot Adyen
  • Funding and withdrawing from online merchants and gaming sitesnot Adyen
  • Buying and selling cryptocurrency inside a wallet accountnot 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

Skrill

  • A currency conversion fee of 4.49 percent applies to most conversions
  • An inactivity fee of EUR 5.00 is deducted monthly after six months with no login or transaction
  • Card deposits carry a 2.50 percent fee
  • SWIFT bank withdrawals cost 2.80 percent with a minimum fee of EUR 3.5
  • Skrill to Skrill transfers cost 2.99 percent with a EUR 0.50 minimum on standard accounts, reduced to 1.45 percent only for True Skriller accounts
  • Crypto trading fees are tiered by VIP status, from 1.50 percent standard down to 1.30 percent at Gold and Diamond VIP

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

Skrill

Free
  • Free AccountFree
    • Money transfers
    • Digital wallet
  • Premier Account$undefined/month
    • Higher limits
    • Special rates

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 Skrill if

  • You need money transfers.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want digital wallet.
Skrill review

Questions people ask

Is Adyen or Skrill better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Skrill at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Skrill?
Skrill has a free tier; the other does not. Paid plans start at $0.13/per-transaction for Adyen and Free for Skrill.
Does Adyen or Skrill run on more platforms?
Adyen runs on Web, Api, Pos. Skrill runs on Web, IOS, Android.
Can I use Skrill for free?
Yes. Skrill has a free tier, so you can try it without paying. Adyen starts at $0.13/per-transaction.
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 Skrill is typically brought in for.
What can Adyen do that Skrill cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Skrill covers Money transfers, Digital wallet, Currency conversion, Prepaid card. Both handle Web support.

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
Skrill: Is Skrill free to use?

Skrill operates on a freemium model. The digital wallet is free to open and use for basic features. The site refers to a fees page where transfer, conversion, and service fees are disclosed.

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
Skrill: What are Skrill's fees for transfers and conversions?

Skrill lists transfer, conversion, and service fees but does not display the specific amounts on the homepage. Detailed fee structures are available on Skrill's dedicated fees page at /en/siteinformation/fees/.

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
Skrill: What services does Skrill offer?

Skrill provides international money transfers, online payment processing, cryptocurrency buying and selling, loyalty rewards through the Knect points program, and a mobile app. These services are included in the free account.

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
Skrill: Is Skrill regulated?

Yes. Skrill Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for issuing electronic money and payment instruments. It is also registered with the FCA as a cryptoasset firm.

Source
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