Adyen vs Stripe
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) | Transaction-based (percentage + fixed fee); no monthly platform fee on standard |
| Deployment | Cloud | Cloud |
| Company size | Mid-market, Enterprise | SMB, Mid-market, Enterprise |
| Stated ERP integrations | NetSuite, Microsoft Dynamics 365 | NetSuite, SAP |
| Vendor | Adyen N.V. | Stripe, Inc. |
Our take
Where Adyen leads
- Stronger evidenced coverage on 12 of the 29 capabilities where they differ (led by digital wallet acceptance and direct / domestic acquiring).
- Stated Microsoft Dynamics 365 integration the alternative doesn't list.
Where Stripe leads
- Stronger evidenced coverage on 17 of the 29 capabilities where they differ (led by chargeback & dispute management and recurring / subscription billing).
- Stated SAP integration the alternative doesn't list.
Where they differ
The 29 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 |
| Direct / domestic acquiringGlobal Reach & Money Movement | Core strength Own banking licences in US, UK, EU | Not evidenced |
| Chargeback & dispute managementFraud, Risk & Authentication | Not evidenced | Core strength Dispute management via Verifi/Ethoca; Smart Disputes automated evidence submission |
| Recurring / subscription billingBilling & Receivables | Not evidenced | Core strength 15+ pricing models; usage-based metering via Metronome |
| Automated dunning & retryBilling & Receivables | Not evidenced | Core strength Smart Retries dunning automation, recovering 55% of failed payments on average |
| Automated revenue recognitionBilling & Receivables | Not evidenced | Core strength Automated ASC 606 / IFRS 15 revenue recognition |
| Automated tax calculation & filingBilling & Receivables | Not evidenced | Core strength Stripe Tax: 600+ tax categories, 100+ countries, US filing via TaxJar, global filing via Taxually/HOST/Marosa |
| Card issuingEmbedded Finance & Platform Payments | Core strength Card issuing for platforms and businesses | Not evidenced |
| ACH / bank transfer processingPayment Acceptance & Channels | Supported SEPA Direct Debit among 200+ local methods | Not evidenced |
| Settlement & funding reportingGlobal Reach & Money Movement | Supported Settlement Detail Reports | Not evidenced |
| Configurable rules-based fraud engineFraud, Risk & Authentication | Not evidenced | Supported Customizable rules engine |
| 3-D Secure / strong customer authenticationFraud, Risk & Authentication | Supported Dynamic 3D Secure 2 | Not evidenced |
| AVS / CVV verificationFraud, Risk & Authentication | Supported AVS fraud checks | Not evidenced |
| Identity verification & sanctions screeningFraud, Risk & Authentication | Not evidenced | Supported Configurable onboarding and identity verification for Connect accounts |
| Electronic invoicing with embedded paymentBilling & Receivables | Not evidenced | Supported Automated recurring and one-off invoicing with self-serve customer portal |
| Customer self-service billing portalBilling & Receivables | Not evidenced | Supported Self-serve customer portal |
| Embedded lending / business capitalEmbedded Finance & Platform Payments | Supported Embedded accounts and capital products | Not evidenced |
| Network tokenizationTokenization & Security | Supported Visa Network Tokens | Not evidenced |
| Custom report builderReporting & Reconciliation | Not evidenced | Supported Stripe Sigma for SQL-based reporting on transaction data |
| Data export & BI connectivityReporting & Reconciliation | Not evidenced | Supported Data warehouse sync to Snowflake, Redshift, Databricks and BigQuery |
| Native ERP module / embedded processingERP & Accounting Integration | Not evidenced | Supported Certified adapter for SAP Digital Payments Add-on works within S/4HANA Private/Public Cloud with no additional configuration |
| Listed on an official ERP marketplaceERP & Accounting Integration | Supported Adyen-built listings on SuiteApp.com and Microsoft AppSource, both 'Built for' certified | Not evidenced |
| Local & alternative payment methodsPayment Acceptance & Channels | Core strength 200+ local payment methods (iDEAL, Klarna, Alipay, WeChat Pay, etc.) | Supported 135+ currencies and payment methods; BNPL via Klarna |
| Payment links & hosted pagesPayment Acceptance & Channels | Supported Pay by Link | Core strength Payment Links |
| White-label embedded-payments SDKEmbedded Finance & Platform Payments | Core strength Single API to embed payments, accounts, card issuing and capital | Supported Embedded components for connected-account dashboards |
| Automated payment reconciliationReporting & Reconciliation | Supported Automated deposit creation matched via PSP reference | Core strength Automatic reconciliation of NetSuite charges/refunds/payouts/disputes; SAP adapter automates bank reconciliation |
| REST API & SDKsDeveloper Platform & Checkout Tools | Supported Single API across payments, accounts, issuing, capital | Core strength Core Stripe API underlying all products |
| Hosted / embeddable checkout componentsDeveloper Platform & Checkout Tools | Supported Card Component / Drop-in | Core strength Payment Element, Checkout, Elements SDKs |
| Automated GL posting & bank reconciliationERP & Accounting Integration | Supported Automated deposit creation matched into NetSuite deposits | Core strength Automates customer/invoice/A-R record creation; automatic reconciliation of charges/refunds/payouts/disputes |
Both grade identically on the other 21 capabilities — see each product's full profile: Adyen, Stripe.
Adyen vs Stripe — FAQs
Is Adyen or Stripe better for ERP integration?
Both state integrations with NetSuite. Adyen additionally lists Microsoft Dynamics 365. Stripe additionally lists SAP. Always verify the connector against your ERP version with a reference customer.
Which is cheaper, Adyen or Stripe?
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 Stripe should each cost you — and whether a third option belongs on your shortlist.