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Adyen vs Airwallex
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Onboards businesses in United States
Adyen
AvailableAirwallex
AvailableAccept payments
Adyen
Enterprise acquiring with local payment methods across most major markets, online and in person.Airwallex
Online payments with cards and 160+ local methods, settled into multiple currencies.Pay people abroad
Adyen
Pay out to sellers and users through Adyen for Platforms.Airwallex
Transfers to 150+ countries, often over local bank rails.Multi-currency account
Adyen
Business accounts for platform users in selected markets.Airwallex
Global Accounts give you local bank details in 20+ currencies, so you get paid like a local business.Business cards
Adyen
Card issuing for platforms and businesses.Airwallex
Multi-currency corporate cards with spend controls.Stablecoins
Adyen
Not offeredAirwallex
Not offeredYield on idle cash
Adyen
Not offeredAirwallex
Airwallex Yield invests idle balances in AAA-rated J.P. Morgan money market funds. Airwallex says it is not a savings or deposit product, and returns are variable.Yield on idle cash
A return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is.
Where the return comes from
Adyen
No yield offeredAirwallex
Low risk, not insuredMoney market fundIs the money protected?
Adyen
–Airwallex
Not a deposit and not insured. The fund holds short-term government debt and aims to keep its value stable, but that is not guaranteed. Broker protection (SIPC in the US) covers the broker failing, not investment losses.Does the rate change?
Adyen
–Airwallex
Floats daily with central bank rates, so it falls when rates are cut.Last seen: About 3.6–3.7% on USD in 2026, depending on planPlatform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Adyen
YesAdyen for Platforms: account holders and legal entities, with hosted or API onboarding and Adyen doing KYC.Airwallex
YesConnected accounts for businesses and individuals, through hosted onboarding, embedded components or the native API.Split payments and platform fees
Adyen
YesSplit each payment between users and take platform commission.Airwallex
YesCollect payments on behalf of connected accounts and take a platform fee.Embeddable UI
Adyen
YesHosted onboarding and embeddable components for users.Airwallex
YesEmbedded components for onboarding and account features.Pay out to your users
Adyen
YesPayouts to users’ bank accounts, or into Adyen business accounts.Airwallex
YesTransfers to 150+ countries, often over local rails.Embedded finance for your users
Give your users financial products under your brand.
Accounts that hold money
Adyen
PartlyBusiness accounts with account numbers in BE, DE, ES, FR, GB, NL and the US. Adyen says the feature is still in development.Airwallex
YesEach connected account can get multi-currency wallets and local account numbers.Cards for your users
Adyen
YesVirtual and physical Visa and Mastercard cards for platform users in Europe, the UK and the US.Airwallex
YesIssuing APIs for connected accounts’ cardholders, with secure card-display iframes.Financing for your users
Adyen
YesCapital for platform users in Europe, the UK, Australia and the US.Airwallex
Not confirmedNot confirmed.Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
End users can be individuals
Adyen
NoAccount holders are organisations and sole proprietors, not consumers.Airwallex
PartlyPlatforms can create connected accounts for individuals. Card issuing and third-party payouts need full KYC.Consumer wallets or accounts
Adyen
NoBusiness accounts only.Airwallex
PartlyWallets on connected accounts can belong to individuals.Consumer cards
Adyen
NoCards serve platforms and their business users, for example payout cards for marketplace sellers.Airwallex
Not confirmedPublic materials describe business card programs.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Adyen
NoNo stablecoin product found in public materials.Airwallex
NoNo stablecoin product found in public materials.Hold stablecoin balances
Adyen
NoNo stablecoin product found in public materials.Airwallex
NoNo stablecoin product found in public materials.Pay out in stablecoins
Adyen
NoNo stablecoin product found in public materials.Airwallex
NoNo stablecoin product found in public materials.Issue your own stablecoin
Adyen
NoNo stablecoin product found in public materials.Airwallex
NoNo stablecoin product found in public materials.Regulatory risk in United States
Adyen
No stablecoin productsAirwallex
No stablecoin productsAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Adyen
Not confirmedNo official MCP server found; only community-built ones.Airwallex
YesAgentOS includes production, sandbox and docs MCP servers plus a CLI. Every money-out action needs a human to confirm it.Checkout for AI agents
Adyen
YesWorks as the payment provider behind Agentic Commerce Protocol checkouts, with gaps for CVC re-entry and network tokens. Also backs Google’s AP2 and the Universal Commerce Protocol.Airwallex
Not confirmedNo agent checkout protocol support confirmed.Cards for AI agents
Adyen
Not confirmedNot found in public materials.Airwallex
PartlyAgentOS includes a card provisioning workflow, with human confirmation before money moves.Working with them
How easy it is to get started.
Self-serve signup
Adyen
PartlyMost businesses go through Adyen’s sales team.Airwallex
YesSign up online; platform products are sales-assisted.Published pricing
Adyen
PartlyPer-transaction fees by payment method are published; overall terms are negotiated.Airwallex
YesPricing pages by country.Public API and sandbox
Adyen
YesPublic API and test environment.Airwallex
YesPublic API and sandbox.Coming soon
Announced but not launched. These are plans, not products you can sign up for today: timing often slips, and some never ship.
Announced, not yet live
Adyen
Nothing announcedAirwallex
In short
Countries onboarded
Adyen
43 of 170Airwallex
39 of 170Designed for
Adyen
High-volume merchants that want local acquiring and one contract across many regions.Airwallex
Businesses that collect in one currency and spend in another, without opening bank accounts abroad.Limitations
Adyen
Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses.Airwallex
Which products you get depends on the country your business is registered in.| Adyen Payment processor | Airwallex Global account | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Enterprise acquiring with local payment methods across most major markets, online and in person. | Online payments with cards and 160+ local methods, settled into multiple currencies. |
| Pay people abroad | Pay out to sellers and users through Adyen for Platforms. | Transfers to 150+ countries, often over local bank rails. |
| Multi-currency account | Business accounts for platform users in selected markets. | Global Accounts give you local bank details in 20+ currencies, so you get paid like a local business. |
| Business cards | Card issuing for platforms and businesses. | Multi-currency corporate cards with spend controls. |
| Stablecoins | Not offered | Not offered |
| Yield on idle cash | Not offered | Airwallex Yield invests idle balances in AAA-rated J.P. Morgan money market funds. Airwallex says it is not a savings or deposit product, and returns are variable. |
| Yield on idle cashA return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is. | ||
| Where the return comes from | No yield offered | Low risk, not insuredMoney market fund |
| Is the money protected? | – | Not a deposit and not insured. The fund holds short-term government debt and aims to keep its value stable, but that is not guaranteed. Broker protection (SIPC in the US) covers the broker failing, not investment losses. |
| Does the rate change? | – | Floats daily with central bank rates, so it falls when rates are cut.Last seen: About 3.6–3.7% on USD in 2026, depending on plan |
| Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out. | ||
| Sub-accounts for your users | YesAdyen for Platforms: account holders and legal entities, with hosted or API onboarding and Adyen doing KYC. | YesConnected accounts for businesses and individuals, through hosted onboarding, embedded components or the native API. |
| Split payments and platform fees | YesSplit each payment between users and take platform commission. | YesCollect payments on behalf of connected accounts and take a platform fee. |
| Embeddable UI | YesHosted onboarding and embeddable components for users. | YesEmbedded components for onboarding and account features. |
| Pay out to your users | YesPayouts to users’ bank accounts, or into Adyen business accounts. | YesTransfers to 150+ countries, often over local rails. |
| Embedded finance for your usersGive your users financial products under your brand. | ||
| Accounts that hold money | PartlyBusiness accounts with account numbers in BE, DE, ES, FR, GB, NL and the US. Adyen says the feature is still in development. | YesEach connected account can get multi-currency wallets and local account numbers. |
| Cards for your users | YesVirtual and physical Visa and Mastercard cards for platform users in Europe, the UK and the US. | YesIssuing APIs for connected accounts’ cardholders, with secure card-display iframes. |
| Financing for your users | YesCapital for platform users in Europe, the UK, Australia and the US. | Not confirmedNot confirmed. |
| Consumer appsBuild for individuals, not just businesses, the way Bridge allows. | ||
| End users can be individuals | NoAccount holders are organisations and sole proprietors, not consumers. | PartlyPlatforms can create connected accounts for individuals. Card issuing and third-party payouts need full KYC. |
| Consumer wallets or accounts | NoBusiness accounts only. | PartlyWallets on connected accounts can belong to individuals. |
| Consumer cards | NoCards serve platforms and their business users, for example payout cards for marketplace sellers. | Not confirmedPublic materials describe business card programs. |
| StablecoinsDollar-backed tokens as a payment and treasury rail. | ||
| Accept stablecoins | NoNo stablecoin product found in public materials. | NoNo stablecoin product found in public materials. |
| Hold stablecoin balances | NoNo stablecoin product found in public materials. | NoNo stablecoin product found in public materials. |
| Pay out in stablecoins | NoNo stablecoin product found in public materials. | NoNo stablecoin product found in public materials. |
| Issue your own stablecoin | NoNo stablecoin product found in public materials. | NoNo stablecoin product found in public materials. |
| Regulatory risk in United States | No stablecoin products | No stablecoin products |
| AI agentsBuild with AI tools, and let AI agents shop and pay. | ||
| Official MCP server | Not confirmedNo official MCP server found; only community-built ones. | YesAgentOS includes production, sandbox and docs MCP servers plus a CLI. Every money-out action needs a human to confirm it. |
| Checkout for AI agents | YesWorks as the payment provider behind Agentic Commerce Protocol checkouts, with gaps for CVC re-entry and network tokens. Also backs Google’s AP2 and the Universal Commerce Protocol. | Not confirmedNo agent checkout protocol support confirmed. |
| Cards for AI agents | Not confirmedNot found in public materials. | PartlyAgentOS includes a card provisioning workflow, with human confirmation before money moves. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | PartlyMost businesses go through Adyen’s sales team. | YesSign up online; platform products are sales-assisted. |
| Published pricing | PartlyPer-transaction fees by payment method are published; overall terms are negotiated. | YesPricing pages by country. |
| Public API and sandbox | YesPublic API and test environment. | YesPublic API and sandbox. |
| Coming soonAnnounced but not launched. These are plans, not products you can sign up for today: timing often slips, and some never ship. | ||
| Announced, not yet live | Nothing announced | AnnouncedAccounts and acquiring for Korean businessesExpected by the end of 2026 AnnouncedLater than expectedFull local service for Brazilian businessesExpected by the end of 2025, not launched yet Details and sources → |
| In short | ||
| Countries onboarded | 43 of 170 | 39 of 170 |
| Designed for | High-volume merchants that want local acquiring and one contract across many regions. | Businesses that collect in one currency and spend in another, without opening bank accounts abroad. |
| Limitations | Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses. | Which products you get depends on the country your business is registered in. |
Common questions
Is Adyen or Airwallex available in more countries?
Airwallex. Of the 170 countries we track, Adyen onboards businesses in 43 and Airwallex in 39 (and 5 more with limits). Both serve businesses in 42. Only Adyen: India. Only Airwallex: Israel and China.
What do Adyen and Airwallex offer?
Accept payments: Adyen yes, Airwallex yes. Pay people abroad: Adyen yes, Airwallex yes. Multi-currency account: Adyen yes, Airwallex yes. Business cards: Adyen yes, Airwallex yes. Stablecoins: Adyen no, Airwallex no. Yield on idle cash: Adyen no, Airwallex yes.
How do Adyen and Airwallex differ for platforms and embedded finance?
Accounts that hold money: Adyen partly, Airwallex yes. Financing for your users: Adyen yes, Airwallex not confirmed. End users can be individuals: Adyen no, Airwallex partly. Consumer wallets or accounts: Adyen no, Airwallex partly. Consumer cards: Adyen no, Airwallex not confirmed. Official MCP server: Adyen not confirmed, Airwallex yes. Checkout for AI agents: Adyen yes, Airwallex not confirmed. Cards for AI agents: Adyen not confirmed, Airwallex partly.
Who is Adyen designed for?
High-volume merchants that want local acquiring and one contract across many regions. Limitations: Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses.
Who is Airwallex designed for?
Businesses that collect in one currency and spend in another, without opening bank accounts abroad. Limitations: Which products you get depends on the country your business is registered in.
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