Softwr

Accounting · head to head

Adyen vs Stampli

Adyen logo

Adyen

Accounting

The payments platform built for growth

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

Stampli

Accounting

AI-powered accounts payable automation

From
$29/month
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; Stampli no transparent pricing published; quote-based model required
  • They diverge on capability: Adyen covers Risk management, Stampli covers AI invoice processing.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Adyen and Stampli actually diverge.

Attributes where Adyen and Stampli differ
AttributeAdyenStampli
Starting price$0.13/per-transaction$29/month
Pricing modelusage-basedsubscription
PlatformsWeb, Api, PosWeb, Ios, Android
Founded20062014

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

  • Risk management
  • Unified commerce
  • Issuing
  • Platform payments
  • SAP
  • Salesforce
  • PCI DSS Level 1
  • SOC 2

Only in Stampli

  • AI invoice processing
  • Approval workflows
  • Vendor management
  • Audit trails
  • NetSuite
  • Sage Intacct
  • QuickBooks
  • Microsoft Dynamics

Both cover

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

Stampli

  • Accounts payable automationnot Adyen
  • Invoice processing and capturenot Adyen
  • Vendor managementnot Adyen
  • Expense management and procurementnot 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

Stampli

  • No transparent pricing published; quote-based model required
  • Specific pricing for individual modules or add-ons not available on pricing page
  • Cost varies based on invoice volume, complexity, and customization needs

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

Stampli

$29/month
  • Essential$undefined/month
    • Invoice processing
    • Basic approvals
    • Email notifications
  • Professional$undefined/month
    • AI-powered coding
    • Advanced workflows
    • ERP integrations
  • Enterprise$undefined/month
    • Custom workflows
    • API access
    • Dedicated support

Which should you pick?

Choose Adyen if

  • You need risk management.
  • You work on Web, Api, Pos.
  • You also want unified commerce.
Adyen review

Choose Stampli if

  • You need ai invoice processing.
  • You work on Web, Ios, Android.
  • You also want approval workflows.
Stampli review

Questions people ask

Is Adyen or Stampli better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Stampli at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Stampli?
Adyen starts at $0.13/per-transaction and Stampli at $29/month.
Does Adyen or Stampli run on more platforms?
Adyen runs on Web, Api, Pos. Stampli 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 Stampli is typically brought in for.
What can Adyen do that Stampli cannot?
Adyen covers Risk management, Unified commerce, Issuing, Platform payments. Stampli covers AI invoice processing, Approval workflows, Vendor management, Audit trails. Both handle Payment processing, Oracle, 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
Stampli: What does Stampli cost?

Stampli does not publish fixed pricing. The company uses a custom quote-based model. Visitors are directed to 'Request a Quote' and meet with an AP expert to discuss pricing based on their specific invoice volume and requirements.

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
Stampli: What is included in Stampli's standard offering?

Stampli's core accounts payable solution includes unlimited invoice capture, entities/locations, vendors, and PO matching; automated processing via Stampli Cognitive AI; 12 pre-built reports; interactive dashboards; a dedicated Customer Success Manager; and support with under 90-second response time.

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
Stampli: How long does it take to implement Stampli?

Stampli uses a 'fulfillment-first' implementation approach and deploys in weeks versus competitors requiring months or longer.

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
Stampli: What add-on modules are available with Stampli?

Optional modules include Procurement, Direct Pay functionality, credit card programs, advanced vendor management, and expense management. Pricing for add-ons requires requesting a custom quote.

Source
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