Accounting · head to head
Adyen vs Wise Business
Adyen
Accounting
The payments platform built for growth
- From
- $0.13/per-transaction
- Rated
- -
Wise Business
Accounting
The smart way to send and receive business payments
- From
- $29/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; Wise Business opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
- They diverge on capability: Adyen covers Payment processing, Wise Business covers Multi-currency accounts.
- Prices and features above were last checked on 30 August 2026.
Where they differ
Only the attributes on which Adyen and Wise Business actually diverge.
| Attribute | Adyen | Wise Business |
|---|---|---|
| Starting price | $0.13/per-transaction | $29/month |
| Platforms | Web, Api, Pos | Web, Ios, Android, Api |
| Founded | 2006 | 2011 |
Identical on both: pricing model (usage-based), 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 Wise Business
- Multi-currency accounts
- International transfers
- Batch payments
- API access
- Team management
- Xero
- QuickBooks
- Various
Both cover
- Web support
- Api 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 Wise Business
- Accepting local payment methods across multiple countriesnot Wise Business
- Settling in several currencies through linked bank accountsnot Wise Business
- Unified online and in-person paymentsnot Wise Business
Wise Business
- Holding and converting multiple currencies as a businessnot Adyen
- Paying international suppliers and contractors at the mid market ratenot Adyen
- Receiving payments into local currency account details in several countriesnot 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
Wise Business
- Opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
- Volume discounts on transfers start only above 20,000 GBP equivalent sent per month
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
Wise Business
$29/month- StandardFree
- Multi-currency account
- Real exchange rate
- Batch payments
Which should you pick?
Choose Adyen if
- You need payment processing.
- You work on Web, Api, Pos.
- You also want risk management.
Choose Wise Business if
- You need multi-currency accounts.
- You work on Web, Ios, Android, Api.
- You also want international transfers.
Questions people ask
- Is Adyen or Wise Business better?
- Neither clearly leads. Adyen starts at $0.13/per-transaction and Wise Business at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Adyen or Wise Business?
- Adyen starts at $0.13/per-transaction and Wise Business at $29/month.
- Does Adyen or Wise Business run on more platforms?
- Adyen runs on Web, Api, Pos. Wise Business runs on Web, Ios, Android, 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 Wise Business is typically brought in for.
- What can Adyen do that Wise Business cannot?
- Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access. Both handle Web support, Api 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.
SourceWise Business: How fast are international transfers with Wise Business?
Wise Business offers fast global payments with 70% arriving in 20 seconds and 95% arriving in under 24 hours. You can also pay up to 1,000 contacts in a single batch transfer.
SourceAdyen: 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.
SourceWise Business: Does Wise Business offer volume discounts?
Yes, volume discounts are available on monthly transfers over 20,000 GBP or equivalent.
SourceAdyen: 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.
SourceWise Business: How does Wise Business keep funds secure?
Wise customers move over AED60 billion monthly with systems built to keep funds safe. The company runs over 7 million daily fraud checks (80 per second), keeps funds diversified with secure financial institutions, and offers 24/7 customer support.
SourceAdyen: 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
More on Wise Business
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