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Accounting · head to head

Adyen vs Zimpler

Adyen logo

Adyen

Accounting

The payments platform built for growth

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

Zimpler

APIs

Nordic and Brazilian account-to-account payments for regulated high-risk sectors

From
On request
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; Zimpler pricing is not published and is set by industry and risk profile, so smaller merchants cannot benchmark a quote and often discover they are paying well above a general-purpose provider.
  • They diverge on capability: Adyen covers Payment processing, Zimpler covers Bank payments.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Adyen and Zimpler actually diverge.

Attributes where Adyen and Zimpler differ
AttributeAdyenZimpler
Starting price$0.13/per-transactionOn request
Pricing modelusage-basedquote
PlatformsWeb, Api, PosWeb, REST API
CategoryAccountingAPIs
Founded2006Unknown

Identical on both: free tier (No), 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 Zimpler

  • Bank payments
  • BankID identity
  • Payouts
  • Recurring payments
  • Risk screening
  • Brazil coverage

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

Zimpler

  • A Swedish gambling operator needing deposit and verified identity in a single customer flownot Adyen
  • A Nordic merchant wanting instant bank payouts rather than card refundsnot Adyen
  • A trading platform where confirming account ownership before funding is a regulatory requirementnot Adyen
  • A European operator expanding into Brazil and wanting one provider across both marketsnot 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

Zimpler

  • Pricing is not published and is set by industry and risk profile, so smaller merchants cannot benchmark a quote and often discover they are paying well above a general-purpose provider.
  • As a payment facilitator carrying merchant risk, it declines or offboards merchants on risk grounds, which makes it a dependency you cannot assume will persist.
  • Its strength is concentrated in the Nordics, and coverage in southern and eastern Europe is thinner than pan-European account-to-account specialists.
  • Revenue concentration in iGaming ties the provider to a sector under constant regulatory change, so licence changes in one market affect the supplier as well as the merchant.
  • Bank transfers have no chargeback protection, so disputes are handled commercially and consumers used to card protections may resist the payment method.

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

Zimpler

On request
  • Zimpler payments$undefined/year
    • Per-transaction pricing quoted by industry, risk and volume
    • Separate pricing for payouts and identity verification
    • Merchant underwriting required, with sector restrictions

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 Zimpler if

  • You need bank payments.
  • You work on Web, REST API.
  • You also want bankid identity.
Zimpler review

Questions people ask

Is Adyen or Zimpler better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Zimpler at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Zimpler?
Adyen starts at $0.13/per-transaction and Zimpler at On request.
Does Adyen or Zimpler run on more platforms?
Adyen runs on Web, Api, Pos. Zimpler runs on Web, REST 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 Zimpler is typically brought in for.
What can Adyen do that Zimpler cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Zimpler covers Bank payments, BankID identity, Payouts, Recurring payments.

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
Zimpler: Which markets does Zimpler cover?

Sweden and the Nordics primarily, plus the wider EU and Brazil. It is strongest where national electronic identity schemes exist.

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
Zimpler: Does it handle identity verification?

Yes. In the Nordics it captures BankID identity alongside the payment, which removes a separate verification step.

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
Zimpler: Is pricing published?

No. It is quoted per merchant based on sector, risk and volume, and merchants must pass underwriting first.

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
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