Adyen vs CardConnect
payment processing head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Per-transaction (interchange++ / blended) | Quote-based / contact sales |
| Deployment | Cloud | Cloud |
| Company size | Mid-market, Enterprise | SMB, Mid-market, Enterprise |
| Stated ERP integrations | NetSuite, Microsoft Dynamics 365 | SAP, Oracle Fusion Cloud |
| Vendor | Adyen N.V. | CardConnect (a Fiserv company) |
Our take
Where Adyen leads
- Stronger evidenced coverage on 16 of the 27 capabilities where they differ (led by digital wallet acceptance and local & alternative payment methods).
- Stated NetSuite, Microsoft Dynamics 365 integration the alternative doesn't list.
Where CardConnect leads
- Stronger evidenced coverage on 11 of the 27 capabilities where they differ (led by tokenized card vault and point-to-point encryption (p2pe)).
- Stated SAP, Oracle Fusion Cloud integration the alternative doesn't list.
Where they differ
The 27 capabilities (of 50 in the payment processing taxonomy) where the evidence separates them, biggest gaps first. “Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
| Capability | ||
|---|---|---|
| Digital wallet acceptancePayment Acceptance & Channels | Core strength Apple Pay, Google Pay, Samsung Pay | Not evidenced |
| Local & alternative payment methodsPayment Acceptance & Channels | Core strength 200+ local payment methods (iDEAL, Klarna, Alipay, WeChat Pay, etc.) | Not evidenced |
| Multi-currency processingGlobal Reach & Money Movement | Core strength 150+ currencies | Not evidenced |
| Direct / domestic acquiringGlobal Reach & Money Movement | Core strength Own banking licences in US, UK, EU | Not evidenced |
| Machine-learning fraud detectionFraud, Risk & Authentication | Core strength Revenue Protect fraud detection engine | Not evidenced |
| Marketplace / multi-party split paymentsEmbedded Finance & Platform Payments | Core strength Adyen for Platforms | Not evidenced |
| Card issuingEmbedded Finance & Platform Payments | Core strength Card issuing for platforms and businesses | Not evidenced |
| Tokenized card vaultTokenization & Security | Not evidenced | Core strength CardSecure patented tokenization, off-site token vault |
| Point-to-point encryption (P2PE)Tokenization & Security | Not evidenced | Core strength PCI-validated point-to-point encryption |
| Native ERP module / embedded processingERP & Accounting Integration | Not evidenced | Core strength ERP middleware integrating authorization, reversals and settlement into ERP workflows |
| Virtual terminalPayment Acceptance & Channels | Not evidenced | Supported CardPointe Virtual Terminal |
| Payment links & hosted pagesPayment Acceptance & Channels | Supported Pay by Link | Not evidenced |
| Global payoutsGlobal Reach & Money Movement | Supported Global payouts to marketplace sellers and platform users | Not evidenced |
| AVS / CVV verificationFraud, Risk & Authentication | Supported AVS fraud checks | Not evidenced |
| Automatic account / card updaterFraud, Risk & Authentication | Not evidenced | Supported Account updater |
| Recurring / subscription billingBilling & Receivables | Not evidenced | Supported Recurring billing |
| PayFac-as-a-ServiceEmbedded Finance & Platform Payments | Supported Adyen for Platforms marketplace payment/payout infrastructure | Not evidenced |
| Embedded lending / business capitalEmbedded Finance & Platform Payments | Supported Embedded accounts and capital products | Not evidenced |
| Network tokenizationTokenization & Security | Supported Visa Network Tokens | Not evidenced |
| Hosted / embeddable checkout componentsDeveloper Platform & Checkout Tools | Supported Card Component / Drop-in | Not evidenced |
| Native mobile SDKsDeveloper Platform & Checkout Tools | Not evidenced | Supported CardPointe Mobile App, native iOS/Android |
| Listed on an official ERP marketplaceERP & Accounting Integration | Supported Adyen-built listings on SuiteApp.com and Microsoft AppSource, both 'Built for' certified | Not evidenced |
| In-person POS hardwarePayment Acceptance & Channels | Core strength mPOS terminals, cloud and local POS terminal APIs | Supported Clover POS hardware, CardPointe Terminal |
| PCI DSS Level 1 certified infrastructureTokenization & Security | Not evidenced | Partial PCI compliance managed via a third-party integration (Trustwave), not stated as own Level 1 cert |
| Automated payment reconciliationReporting & Reconciliation | Supported Automated deposit creation matched via PSP reference | Core strength Automated reconciliation of card transactions back to the ERP |
| Automated GL posting & bank reconciliationERP & Accounting Integration | Supported Automated deposit creation matched into NetSuite deposits | Core strength Automated reconciliation of card transactions back to the ERP |
| Coverage across multiple major ERPsERP & Accounting Integration | Supported NetSuite (SuiteApp) and Dynamics 365 (AppSource) certified connectors | Core strength SAP, Oracle and JD Edwards were the historical focus of CardConnect Enterprise Services |
Both grade identically on the other 23 capabilities — see each product's full profile: Adyen, CardConnect.
Adyen vs CardConnect — FAQs
Is Adyen or CardConnect better for ERP integration?
They state different ERP coverage: Adyen lists NetSuite, Microsoft Dynamics 365; CardConnect lists SAP, Oracle Fusion Cloud.
Which is cheaper, Adyen or CardConnect?
Neither publishes a list price — both quote. Ask each for the all-in first-year cost at your seat count, as one number, and compare those.
Get pricing for both
Tell us your ERP, seat count and must-haves and we'll come back with an independent view of what Adyen and CardConnect should each cost you — and whether a third option belongs on your shortlist.