Softwr

Accounting · head to head

Adyen vs Yooz

Adyen logo

Adyen

Accounting

The payments platform built for growth

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

Yooz

Accounting

AP automation for mid-sized finance teams, with unlimited users included in the subscription

From
$199/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; Yooz it is accounts payable only, with no requisitioning, sourcing or contract management, so procurement control has to come from somewhere else.
  • They diverge on capability: Adyen covers Payment processing, Yooz covers Invoice capture.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Adyen and Yooz actually diverge.

Attributes where Adyen and Yooz differ
AttributeAdyenYooz
Starting price$0.13/per-transaction$199/month
Pricing modelusage-basedPer month by invoice volume
PlatformsWeb, Api, PosWeb, iOS, Android
Founded2006Unknown

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

  • Payment processing
  • Risk management
  • Unified commerce
  • Issuing
  • Platform payments
  • SAP
  • Salesforce
  • Oracle

Only in Yooz

  • Invoice capture
  • Automatic coding
  • Purchase order matching
  • Approval workflow
  • Fraud and duplicate detection
  • Payment initiation
  • Unlimited users
  • E-invoicing readiness

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

Yooz

  • A finance team with thirty occasional approvers that cannot justify per-seat AP automationnot Adyen
  • An accounting practice processing invoices on behalf of many client companiesnot Adyen
  • A French or European business preparing for mandatory electronic invoicing without buying an enterprise platformnot Adyen
  • A company losing early payment discounts because paper invoices sit in someone's tray for two weeksnot 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

Yooz

  • It is accounts payable only, with no requisitioning, sourcing or contract management, so procurement control has to come from somewhere else.
  • Pricing is published only as a starting point and the real number depends on invoice volume and connector requirements, so the advertised figure understates what most buyers pay.
  • Country compliance depth is strongest in France and francophone Europe; buyers needing many national e-invoicing mandates at once are better served by a vendor built for that.
  • Extraction accuracy on unusual supplier layouts still requires human correction, and the learning improves only with volume, so small-volume users see less benefit from the automation they are paying for.
  • ERP connectors vary in depth between accounting systems, and a shallow connector turns the promised straight-through posting into a periodic file export that someone has to run.

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

Yooz

$199/month
  • Entry$199/month
    • Unlimited users
    • Invoice capture, coding and approval workflow
    • Volume allowance applies
  • Volume tiers$undefined/month
    • Priced by monthly invoice volume
    • European mid-market typically €300 to €600 a month at 200 to 500 invoices
    • Purchase order matching and fraud detection

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 Yooz if

  • You need invoice capture.
  • You work on Web, iOS, Android.
  • You also want automatic coding.
Yooz review

Questions people ask

Is Adyen or Yooz better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Yooz at $199/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Yooz?
Adyen starts at $0.13/per-transaction and Yooz at $199/month.
Does Adyen or Yooz run on more platforms?
Adyen runs on Web, Api, Pos. Yooz 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 Yooz is typically brought in for.
What can Adyen do that Yooz cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Yooz covers Invoice capture, Automatic coding, Purchase order matching, Approval workflow.

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
Yooz: How is it priced?

On monthly invoice volume, with unlimited users included. Entry pricing is around $199 a month, and European mid-market deployments commonly land at €300 to €600.

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
Yooz: Are there per-user charges?

No, and that is its main commercial advantage over competitors that meter approvers.

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
Yooz: Does it do procurement as well?

No. It automates accounts payable. Requisitions, sourcing and contracts need a separate system.

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
Yooz: Is it ready for European e-invoicing mandates?

Yes for France and francophone Europe in particular. For a wide multi-country mandate footprint, compare against a vendor built for that specific problem.

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