Is Adyen or Spendbase better?

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

Which is cheaper, Adyen or Spendbase?

Spendbase has a free tier; the other does not. Paid plans start at $0.13/per-transaction for Adyen and Free for Spendbase.

Does Adyen or Spendbase run on more platforms?

Adyen runs on Web, Api, Pos. Spendbase runs on Web.

Can I use Spendbase for free?

Yes. Spendbase 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 Spendbase is typically brought in for.

What can Adyen do that Spendbase cannot?

Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Spendbase covers Subscription visibility, Discount marketplace, Virtual cards, Cashback.

Accounting · head to head

Adyen vs Spendbase

Adyen

Accounting

The payments platform built for growth

From: $0.13/per-transaction
Rated: -

Full review Website

Spendbase

Accounting

SaaS and cloud spend management that charges a share of the savings it finds rather than a licence

From: Free
Rated: -

Full review Website

The short version

Only Spendbase 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; Spendbase charging a share of savings gives the vendor an interest in defining savings generously, and the customer cannot verify a counterfactual price it never saw.
They diverge on capability: Adyen covers Payment processing, Spendbase covers Subscription visibility.
Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Adyen and Spendbase actually diverge.

Attributes where Adyen and Spendbase differ
Attribute	Adyen	Spendbase
Starting price	$0.13/per-transaction	Free
Pricing model	usage-based	Free card tier, plus a share of savings on the managed plan
Free tier	No	Yes
Platforms	Web, Api, Pos	Web
Founded	2006	Unknown

Identical on both: 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 Spendbase

Subscription visibility
Discount marketplace
Virtual cards
Cashback
Renewal management
Savings-share billing

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

Spendbase

A startup with no procurement function that wants renewal dates and subscription owners in one placenot Adyen
A company with heavy Azure or cloud spend that can use pre-negotiated credit allocationsnot Adyen
Issuing virtual cards per subscription so a forgotten trial cannot renew silentlynot Adyen
A finance lead who wants software cost reduction without hiring anyone to do itnot 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

Spendbase

Charging a share of savings gives the vendor an interest in defining savings generously, and the customer cannot verify a counterfactual price it never saw.
The savings share is reported at around 25 percent but is not published on the pricing page, so the actual commercial terms only appear in a contract.
Spendbase is both a banking provider and your software negotiator, so a company using both concentrates operating cash and vendor relationships in one small, young company.
Banking is delivered through partners rather than held directly, meaning deposit protection and service continuity depend on those partners rather than on Spendbase.
It is scoped for startups and small companies, so organisations needing approval workflows, purchase orders or ERP integration will find it thin against a real procurement platform.

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

Spendbase

Free

Digital bankingFree
- No monthly fee per user
- Up to 100 virtual cards
- EUR and GBP account details
Spend management$undefined/year
- Everything in the free tier
- Reported share of roughly 25 percent of savings achieved
- 200 percent return guarantee against a deposit

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 Spendbase if

You need subscription visibility.
You want to start without paying.
You also want discount marketplace.

Spendbase review

Questions people ask

Is Adyen or Spendbase better?: Neither clearly leads. Adyen starts at $0.13/per-transaction and Spendbase at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Spendbase?: Spendbase has a free tier; the other does not. Paid plans start at $0.13/per-transaction for Adyen and Free for Spendbase.
Does Adyen or Spendbase run on more platforms?: Adyen runs on Web, Api, Pos. Spendbase runs on Web.
Can I use Spendbase for free?: Yes. Spendbase 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 Spendbase is typically brought in for.
What can Adyen do that Spendbase cannot?: Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Spendbase covers Subscription visibility, Discount marketplace, Virtual cards, Cashback.

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

Spendbase: Is Spendbase free?

The card and banking tier is genuinely free with no per-user fee. The spend management service is paid from a share of the savings it finds, reported at around 25 percent.

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

Spendbase: How is a saving calculated?

The methodology is not published. Agree the baseline, the measurement period and what counts as a saving in writing before signing.

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

Spendbase: Does Spendbase hold my money?

Banking is provided through regulated partners including Moorwand in the UK and EEA and Sutton Bank in the US, with Mastercard issuing the cards.

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

Spendbase: Is it suitable for an enterprise?

No. There are no purchase orders, approval hierarchies or ERP integration; it is built for startups.

Adyen vs Spendbase

Adyen

Spendbase

The short version

Where they differ

What each one covers

Only in Adyen

Only in Spendbase

What people use each for

Adyen

Spendbase

Where each one falls short

Adyen

Spendbase

Pricing, plan by plan

Adyen

Spendbase

Which should you pick?

Choose Adyen if

Choose Spendbase if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Adyen

More on Spendbase

Keep looking

Other head to heads