Accounting & Finance · head to head
Carta vs Adyen
Adyen
Accounting & Finance
The payments platform built for growth
- From
- $29/month
- Rated
- -
The short version
- Each has a real cost: Carta free plan eligibility as captured 19 January 2024 was capped at companies with fewer than 25 stakeholders and less than $1M raised in funding; 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
- They diverge on capability: Carta covers Cap table management, Adyen covers Payment processing.
Where they differ
Only the attributes on which Carta and Adyen actually diverge.
Identical on both: starting price ($29/month), free tier (No), user rating (Not yet rated), category (Accounting & Finance).
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 Carta
- Cap table management
- 409A valuations
- Equity plans
- Investor reporting
- Fund administration
- QuickBooks
- Gusto
- Slack
Only in Adyen
- Payment processing
- Risk management
- Unified commerce
- Issuing
- Platform payments
- SAP
- Salesforce
- Oracle
Both cover
- SOC 2
- Web support
What people use each for
The jobs each tool is most often brought in to do.
Carta
- Equity managementnot Adyen
- 409A valuationsnot Adyen
- Fund administrationnot Adyen
Adyen
- Card acquiring with interchange plus pricing for larger merchantsnot Carta
- Accepting local payment methods across multiple countriesnot Carta
- Settling in several currencies through linked bank accountsnot Carta
- Unified online and in-person paymentsnot Carta
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Carta
- Free plan eligibility as captured 19 January 2024 was capped at companies with fewer than 25 stakeholders and less than $1M raised in funding
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
Pricing, plan by plan
Carta
$29/month- LaunchFree
- Cap table
- Stakeholder management
- Seed$360/year
- 409A valuations
- Option exercising
- Scenarios
Adyen
$29/month- CustomFree
- Payment processing
- Risk management
- Unified commerce
Which should you pick?
Choose Carta if
- You need cap table management.
- You work on Web, Ios, Android.
- You also want 409a valuations.
Choose Adyen if
- You need payment processing.
- You work on Web, Api, Pos.
- You also want risk management.
Questions people ask
- Is Carta or Adyen better?
- Neither clearly leads. Carta starts at $29/month and Adyen at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Carta or Adyen?
- Carta starts at $29/month and Adyen at $29/month.
- Does Carta or Adyen run on more platforms?
- Carta runs on Web, Ios, Android. Adyen runs on Web, Api, Pos.
- What is Carta best used for?
- Carta is most often used for equity management, 409a valuations, fund administration. Of those, equity management and 409a valuations are not what Adyen is typically brought in for.
- What can Carta do that Adyen cannot?
- Carta covers Cap table management, 409A valuations, Equity plans, Investor reporting. Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Both handle SOC 2, Web support.