Adyen vs Checkout.com: fees compared
Adyen and Checkout.com both use interchange-plus pricing, so the cheaper option depends on your card mix and volume. Adyen uses interchange-plus pricing (Interchange-plus); Checkout.com uses interchange-plus pricing (Interchange-plus). Beyond the headline rate, compare international surcharge, chargeback fees, monthly cost and payout speed in the table below. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
Data as of June 2026.
Note: These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
Adyen vs Checkout.com overview
| Factor | Adyen | Checkout.com |
|---|---|---|
| Pricing model | Interchange-plus | Interchange-plus |
| Headline rate | Interchange-plus | Interchange-plus |
| Effective @ $50.00 | Interchange-plus (varies) | Interchange-plus (varies) |
| Monthly fee | $0 base; $120 minimum monthly invoice typical | Custom; quote-based |
| International / cross-border | Interchange + scheme fees pass through; varies by card and region | Interchange + scheme fees pass through; cross-border fees vary |
| Chargeback fee | $10–$25 dispute fee depending on scheme | Per-scheme dispute fee, typically $10–$25 |
| Payout speed | Configurable; daily/weekly settlement | Configurable settlement |
| Best for | large enterprises and global omnichannel merchants | high-volume global digital merchants |
Sources: Adyen N.V. pricing · Checkout.com pricing.
Effective rate by transaction size
| Transaction size | Adyen | Checkout.com | Cheaper |
|---|---|---|---|
| $10.00 | Interchange-plus (varies) | Interchange-plus (varies) | depends on mix |
| $50.00 | Interchange-plus (varies) | Interchange-plus (varies) | depends on mix |
| $200.00 | Interchange-plus (varies) | Interchange-plus (varies) | depends on mix |
Verdict
On headline rates it is close between Adyen and Checkout.com. But the cheapest processor depends on your average ticket (fixed-fee weight), international card share and volume. Read each one's full breakdown — Adyen and Checkout.com — and model your own numbers in the effective-rate calculator.
Frequently asked questions
Is Adyen or Checkout.com cheaper?
Adyen and Checkout.com both use interchange-plus pricing, so the cheaper option depends on your card mix and volume. Run your real volume and card mix in the calculator to see which actually costs less. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
Adyen vs Checkout.com: what is the difference in pricing model?
Adyen uses interchange-plus (Interchange-plus); Checkout.com uses interchange-plus (Interchange-plus). Flat rate is simplest for small merchants; interchange-plus and subscription win at higher volume; Merchant-of-Record bundles global tax.
Which should I choose, Adyen or Checkout.com?
Adyen is best for large enterprises and global omnichannel merchants; Checkout.com is best for high-volume global digital merchants. Beyond sticker price, weigh international surcharge, chargeback fees, payout speed and features. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
More comparisons
Last updated: 2026-06-29