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Adyen vs PayPal: What are the differences?

Adyen and PayPal are both global payment platforms that allow businesses to accept payments online. Here are the key differences between the two.

  1. Integration Flexibility: Adyen offers more flexibility in terms of integration options compared to PayPal. Adyen provides a versatile API that allows businesses to customize their payment flows, whereas PayPal has a more standardized integration process. This can be beneficial for businesses that require a high level of customization for their payment processes.

  2. Global Reach: Both Adyen and PayPal have a global presence, but the extent of their reach differs. Adyen supports a larger number of countries and currencies, making it a better option for businesses operating internationally. PayPal, on the other hand, has a stronger presence in certain regions, such as North America, and may be preferable for businesses primarily focused on those markets.

  3. Payment Methods: Adyen supports a wider range of payment methods compared to PayPal. While PayPal primarily focuses on credit card and PayPal account payments, Adyen supports over 200 payment methods globally, including alternative methods like Alipay, WeChat Pay, and local bank transfers. This enables businesses to cater to a more diverse customer base and potentially increase conversion rates.

  4. Pricing Structure: Adyen and PayPal have different pricing structures. Adyen charges a fixed transaction fee per transaction, which can be advantageous for businesses processing high-value transactions. PayPal, on the other hand, typically charges a percentage-based fee, which may be more cost-effective for businesses with lower transaction values. Depending on the nature of the business and its transaction volume, one pricing structure may be more favorable than the other.

  5. Customization Opportunities: Adyen provides more extensive customization options compared to PayPal. With Adyen, businesses have greater control over the payment experience, including customizing the look and feel of payment pages and integrating additional features. PayPal offers some customization options but may not provide the same level of flexibility as Adyen. This can be especially important for businesses that want to maintain consistent branding throughout the payment process.

  6. Risk and Fraud Management: Adyen offers advanced risk and fraud management tools that allow businesses to prevent fraudulent transactions and mitigate risks effectively. These tools provide real-time analysis, machine learning algorithms, and configurable rules to detect suspicious activity and protect businesses from financial losses. While PayPal also offers fraud detection mechanisms, Adyen's features are known for their robustness and effectiveness.

In summary, Adyen is known for its global payment platform catering to businesses for seamless transactions, while PayPal, a widely used online payment system, is popular for both consumer and merchant transactions.

Advice on Adyen and PayPal
Romel Lumiguid Jr.
Founder & CEO at Domain Sales History · | 4 upvotes · 31.4K views
Needs advice

Currently, I am using PayPal, and it's working fine somehow. My business is an online job board to hire remote workers. It was built on October 11, 2022. I got my first paying user just this week and that person paid through Paypal for a premium job listing worth $75. My target customers are from the US.

I'm currently based in the Philippines and Stripe payments are not yet working in my country. Any suggestions on alternatives so I can put credit card payments on my site?

My current website is , please advise.

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Replies (1)
Luke Wilson

Paddle may work, not sure if they have country limitations, but looks like a decent alternative to Stripe

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Needs advice

We're looking for a payment gateway with a robust and dependable API. We will be accepting recurring payments for premium plans on our website, preferably in as many regions as possible.

While looking for Stripe alternatives, we found Adyen, which seemed like a viable option - we would love to hear your thoughts!

I appreciate your time reading this message and hope to hear back from you about your experiences with payment gateways!

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Replies (2)
Stripe BillingStripe Billing

I would recommend Stripe because it has a feature called Billing which is built for Premium plans. While adyen has more Payment Options, Stripe has lesser charging rates per transaction. But this also depends if your product is available worldwide or to specific nations. If you want to go worldwide, I would recommend Adyen as It is scalable. If you want to go for some specific nations Stripe will be better and easier to integrate but Stripe will also be great if you are worldwide.

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H.F. Kane
Managing Member at FCC Merchant Services · | 3 upvotes · 18.7K views

Question for you: Where will you be running the transactions through? Will they be done in each country separately or done domestically? The reason I ask, Payfacs (i.e.: stripe, braintree, square, etc) charge two extra transactions if the processing is done domestically. The first being on an international card 1% and the second being in a currency other than your home country's currency 1%.

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Team Showwcase
Product Team at Showwcase · | 6 upvotes · 56.3K views
Needs advice

Hi Folks,

I represent Showwcase, which is a network built for coders.

We're introducing a paywall for content creators on the platform to start accepting payments from their Followers for premium and unique content over and above the general free content. We are internally considering either Stripe or PayPal to handle this for us.

If we take the pricing out of the debate, what's the go-to choice when choosing which to integrate? Our current standpoint is that Paypal has wider consumer adoption, and since most creators are individuals, it makes sense to just use Paypal because they already have an account. However, our business uses Stripe, and so it makes it easier if both the platform (Showwcase) and creators to be on the Stripe platform. That being said, if creators don't already have an account, they will need to sign up with Stripe on the spot, which is a friction point.

I would like to hear the pros and cons in developer environments as well as any other things we might not know.

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Replies (3)
Arthur Sparks

PayPal is a dinosaur and a nightmare to work with, both in terms of API as well as on the business side. We support both because our A/B tests showed a material increase in conversions by offering both, but I would drop PayPal in a heartbeat if I could. Stripe is a joy to work with.

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Les Brown
Developer at Blue Sky iSolutions · | 5 upvotes · 46K views

I prefer Stripe for developers' ease of integration and PayPal for providing the simplest user experience (i.e., improved revenue.) In my experience, neither platform requires a user register to pay via credit card. However, as noted, many people have a PayPal account, which allows quick and easy payments through a "more" trusted name.

I used Stripe and Paypal and settled on Paypal for the customer. However, the PayPal web hook back end is a complete mess (at least in PHP). Unless they have improved very recently, PayPal web hook integration is poorly documented and barely supported with bits and pieces of important code on GitHub and elsewhere. I can't speak for other languages. But given the popularity of Paypal (i.e., improved revenue), I decided to keep using Paypal after I got the web hook integration worked out.

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Pamela Pierce
President at Learn About Green LLC · | 2 upvotes · 41.9K views

Stripe is strong because of their security. It is difficult for the programmer to install it, and in my case was impossible since my hosting provider did not have up-to-date software that it requires. I had to use another program on top of it as the shopping cart instead of using Stripe's shopping cart. But Stripe integrates with everything if you can get it to install, and is stable.

The big reason to go with PayPal is the 6 months same as cash or multiple payments over weeks for your clients. Some clients need this and you will lose them without PayPal. PayPal may change their policies, so in my opinion, PayPal is not as stable as Stripe. Some clients refuse or can't use PayPal, where Stripe is available to everyone with a credit card.

In summary, I set up both for my clients. And I used Zoho for everything else - shopping cart, accounting, CRM, banking, etc. It integrates with both Stripe and PayPal and pretty much anything else you use.

Be sure to read the Terms of both Stripe and PayPal, and I think that will help you with your decision.

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Decisions about Adyen and PayPal
Francesco Boffa

After the initial investigation on which platform to use to process our payments, Stripe was a total no brainer.

We are heavy users of Stripe Connect, which allows us to collect payments on behalf of our client restaurants. Connect makes it super easy to collect, payout and manage any fee structure.

At the time that the platform was written it was also the only platform that was working flawlessly with Google Pay and Apple Pay on the Web.

Today we also give out to our clients Terminals from Stripe, allowing us to process all payments under a single unified interface.

We are looking forward to further integrations, like with AliPay and other local payment methods.

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James Bender
Lead Application Architect at TekPartners · | 11 upvotes · 56K views

I used (tried to use) PayPal on one project and it was a total nightmare. At the time there was no cohesive "one" web-based product, you had to choose between three and the lines between them were very muddled. We reached out to developer support several times and they were no help at all. The documentation was old (incorrect) and confusing. Granted this was several years ago, but the pain remains. Given a choice of using PayPal and sticking hot needles in my eyes, I would first ask "How big and hot are these needles we're talking about?" Stripe is SO much easier!

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Lucas Litton
Founder & CEO at Macombey · | 4 upvotes · 257.1K views

We use GoCardless to simplify the way clients and partners pay for our services. What intrigued us is the quick and easy ACH feature that gives our clients the option to log in with their bank account and shoot the funds directly to our account. The fee, compared to Stripe is less. Stripe and PayPal charge 2.9% + 30c and Stripe also forces the client to enter in all of their payment details manually and then if the payment doesn't work, the client has to try all over again. GoCardless charges 1% + 25c which is much more reasonable dealing with the large projects that we are currently working on.

We integrate GoCardless with Xero to easily send out quick invoices, receive the funds and track all revenue in one place.

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Pros of Adyen
Pros of PayPal
  • 10
    Great customer support
  • 9
    Truly international solution
  • 8
    Great documentation
  • 6
    Well-designed API
  • 5
    Easy setup
  • 4
    Omni-channel solution
  • 4
  • 3
    PCI Compliance
  • 195
    Most known service
  • 135
    Consumers know it
  • 113
    It's available for many countries
  • 70
  • 54
    Best way to get paid outside US
  • 35
    Most widely used payment processor
  • 25
    Express Checkout
  • 16
    Consumers trust it
  • 15
    Flexible and secure
  • 6
    Digital Goods for Express Checkout

Sign up to add or upvote prosMake informed product decisions

Cons of Adyen
Cons of PayPal
    Be the first to leave a con
    • 1
      Not well written recurring payment api
    • 1
      Less countries supported
    • 1
      Harder to get started with

    Sign up to add or upvote consMake informed product decisions

    What is Adyen?

    A payments technology company that provides a single global platform to accept payments anywhere in the world. Businesses can process payments across online, mobile and in-store (POS) with over 250 payment methods and 187 currencies.

    What is PayPal?

    PayPal is an online payments and money transfer service that allows you to send money via email, phone, text message or Skype. They offer products to both individuals and businesses alike, including online vendors, auction sites and corporate users. PayPal connects effortlessly to bank accounts and credit cards. PayPal Mobile is one of PayPal’s newest products. It allows you to send payments by text message or by using PayPal’s mobile browser.

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    What companies use Adyen?
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    What are some alternatives to Adyen and PayPal?
    Stripe makes it easy for developers to accept credit cards on the web.
    Braintree replaces traditional payment gateways and merchant accounts. From one touch payments, to mobile SDKs and international sales, we provide everything you need to start accepting payments today.
    It is a global internet technology and financial services provider which is listed on the German stock exchange. It offers worldwide services for innovative digital payments: online, mobile, and at the POS.
    Helps businesses of all sizes to sell and build more efficiently with a solid but easy-to-use payment solution.
    It is an e-commerce credit card payment system management company. Customers process online payments, streamline online fraud management, and simplify payment security.
    See all alternatives