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Adyen vs Hyperwallet
Of the 170 countries we track, Adyen onboards businesses in 43 and Hyperwallet in 33. Both serve businesses in 33.
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Onboards businesses in United States
Adyen
AvailableHyperwallet
AvailableAccept payments
Adyen
Enterprise acquiring with local payment methods across most major markets, online and in person.Hyperwallet
Not offeredPay people abroad
Adyen
Pay out to sellers and users through Adyen for Platforms.Hyperwallet
Payouts to bank accounts, cards, wallets and cash pickup in 200+ countries and territories.Multi-currency account
Adyen
Business accounts for platform users in selected markets.Hyperwallet
Not offeredBusiness cards
Adyen
Card issuing for platforms and businesses.Hyperwallet
Not offeredStablecoins
Adyen
Not offeredHyperwallet
Not offeredYield on idle cash
Adyen
Not offeredHyperwallet
Not offeredYield 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 offeredHyperwallet
No yield offeredIs the money protected?
Adyen
–Hyperwallet
–Does the rate change?
Adyen
–Hyperwallet
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
Adyen
Adyen charges a fixed processing fee per transaction ($0.13 / €0.11 / £0.11, by pricing region) plus a payment-method fee. For Visa and Mastercard the method fee is shown as Interchange+ + 0.60%, so total card cost depends on interchange and scheme fees. No setup or monthly fees.Hyperwallet
Hyperwallet (a PayPal company) fees are published on PayPal's US merchant fee page. Examples: 0.95 USD per domestic bank transfer, 4.95 USD per international bank transfer, 2% per wire (min 10, max 30 USD), 1.50 USD per domestic debit-card transfer, 0.25 USD per PayPal or Venmo transfer, 10 USD per cash pickup, and a 2% FX spread for major currencies (4% elsewhere). A 10 USD return fee applies to incorrect payment instructions. Hyperwallet's own site directs businesses to sales.Published prices
Adyen
Pricing structure (all): Fixed processing fee + a fee set by the payment methodProcessing fee (fixed, every transaction) (US / global (USD view)): $0.13 per transaction, plus a payment-method feeVisa / Mastercard payment-method fee (global): Interchange+ + 0.60% (plus the fixed processing fee)Processing fee (fixed, every transaction) (EU (Europe pricing view, not country-specific)): €0.11 per transaction, plus a payment-method fee; Visa/Mastercard shown as €0.11 + Interchange+ + 0.60%Processing fee (fixed, every transaction) (UK (GBP pricing view)): £0.11 per transaction, plus a payment-method fee; Visa/Mastercard shown as £0.11 + Interchange+ + 0.60%Monthly / setup fees (all): No setup or monthly feesHyperwallet
Bank transfers (US (PayPal US merchant fee page)): Domestic 0.95 USD; domestic instant 1.50 USD; international 4.95 USD per transactionWire transfer (US (PayPal US merchant fee page)): 2% of amount, min 10.00 USD, max 30.00 USDPayPal / Venmo / PYUSD transfer (US (PayPal US merchant fee page)): 0.25 USD per transactionForeign exchange spread (US (PayPal US merchant fee page)): 2% for USD, CAD, HKD, AUD, EUR (SEPA), GBP, MXN; 4% for all other countries/regionsSales contact (all): Hyperwallet's own website has no price list and directs businesses to salesOther payout methods and charges (US (PayPal US merchant fee page)): Debit card transfer: domestic 1.50 USD, international 1.5% (min 3.00, max 30.00 USD); cash pickup 10.00 USD; check 3.00 USD; third-party digital wallet 1.5% (min 1.50 USD); return fee for incorrect payment instructions 10.00 USDWhat you can sell
From each provider’s acceptable use policy. “Restricted” means allowed only with approval or conditions, or banned for part of the category.
Software and digital goods
Adyen
Not statedHyperwallet
Not statedCrypto
Adyen
RestrictedCryptocurrency exchange is restricted for merchants and prohibited for platform/partner businesses. Virtual currencies are listed under restricted money services.Hyperwallet
RestrictedCryptocurrency, virtual in-game currencies and NFTs require pre-approval.Lending and financial services
Adyen
RestrictedMoney services, FX, money transfer, BNPL, insurance and brokerage are restricted for merchants (mostly prohibited for platforms). Credit repair, binary options, payday/unsecured loans and unlicensed financial advisers are prohibited.Hyperwallet
RestrictedMoney service businesses, e-money, stored value, escrow and investments require pre-approval. Traveler's checks, money orders, currency exchange, check cashing, certain credit repair, debt settlement and credit transactions, and payment processors collecting for merchants are prohibited.Gambling
Adyen
RestrictedLegal gambling and games of skill with prizes are restricted for merchants and prohibited for platforms. Illegal gambling and any US-based gambling services are prohibited.Hyperwallet
RestrictedGambling, gaming, prize draws and contests require pre-approval and are allowed only where operator and customers are in jurisdictions where they are legal.Adult content
Adyen
RestrictedAdult goods (excluding fetish products) are restricted. Fetish products, sexual content and sexual entertainment are prohibited for both merchants and platforms.Hyperwallet
RestrictedDigitally delivered adult content (VOD, webcam) requires pre-approval. 'Certain sexually oriented materials or services' and obscene items are prohibited.Dating
Adyen
RestrictedCasual dating is restricted for merchants and prohibited for platforms. Mail-order spouse and international matchmaking services are prohibited.Hyperwallet
RestrictedOnline dating requires pre-approval.Firearms and weapons
Adyen
Not allowedTrade of weapons, ammunition, military arms, explosive devices and firearm parts is prohibited.Hyperwallet
Not allowedAmmunition, firearms, certain firearm parts and certain regulated weapons or knives are prohibited.Cannabis and CBD
Adyen
RestrictedCannabis is restricted (documents needed) only in Canada; the line reads 'Cannabis (only in Canada)'. Outside Canada it is not offered as restricted, and drugs and 'other psychoactive products' are prohibited for both merchants and platforms. Treat cannabis outside Canada as not supported. CBD (as a highly regulated nutraceutical) is restricted for merchants and prohibited for platforms.Hyperwallet
Not statedSupplements
Adyen
RestrictedNutraceuticals and food products are restricted for merchants and platforms (highly regulated ones such as CBD are prohibited for platforms).Hyperwallet
Not statedPharmacy and telemedicine
Adyen
RestrictedPharmaceuticals, prescription medicine and medical devices are restricted for merchants and platforms. IV therapy is prohibited.Hyperwallet
RestrictedPrescription items, telemedicine and medical devices/services require pre-approval.Travel
Adyen
RestrictedTravel agents, tour operators, cruise lines and timeshares are restricted. Airlines and travel-related arrangement services are restricted for merchants and prohibited for platforms.Hyperwallet
RestrictedAirlines and charter/air taxi operators require pre-approval. Other travel businesses (agencies, tours) are not mentioned.Multi-level marketing
Adyen
Not statedHyperwallet
RestrictedMulti-level marketing and direct selling require pre-approval; pyramid/Ponzi schemes and 'certain multi-level marketing programs' are prohibited.Free-trial subscriptions
Adyen
Not allowedDeceptive marketing, including poorly disclosed negative options and cancellation or refund avoidance, is prohibited. Clearly disclosed subscriptions are not addressed.Hyperwallet
Not statedPlatform & 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.Hyperwallet
PartlyPayees sign up with Hyperwallet to receive funds.Split payments and platform fees
Adyen
YesSplit each payment between users and take platform commission.Hyperwallet
NoPayouts only.Embeddable UI
Adyen
YesHosted onboarding and embeddable components for users.Hyperwallet
PartlyWhite-label payee portal.Pay out to your users
Adyen
YesPayouts to users’ bank accounts, or into Adyen business accounts.Hyperwallet
YesBank, card, wallet and cash pickup payouts in 200+ countries and territories.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.Hyperwallet
PartlyPayees hold balances in Hyperwallet virtual accounts.Cards for your users
Adyen
YesVirtual and physical Visa and Mastercard cards for platform users in Europe, the UK and the US.Hyperwallet
Not confirmedNot confirmed.Financing for your users
Adyen
YesCapital for platform users in Europe, the UK, Australia and the US.Hyperwallet
NoNot offered.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.Hyperwallet
PartlyPays individuals such as gig workers and sellers.Consumer wallets or accounts
Adyen
NoBusiness accounts only.Hyperwallet
PartlyPayee virtual accounts.Consumer cards
Adyen
NoCards serve platforms and their business users, for example payout cards for marketplace sellers.Hyperwallet
Not confirmedNot confirmed.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Adyen
NoNo stablecoin product found in public materials.Hyperwallet
NoNo stablecoin product found in public materials.Hold stablecoin balances
Adyen
NoNo stablecoin product found in public materials.Hyperwallet
NoNo stablecoin product found in public materials.Pay out in stablecoins
Adyen
NoNo stablecoin product found in public materials.Hyperwallet
NoNo stablecoin product found in public materials.Issue your own stablecoin
Adyen
NoNo stablecoin product found in public materials.Hyperwallet
NoNo stablecoin product found in public materials.Regulatory risk in United States
Adyen
No stablecoin productsHyperwallet
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.Hyperwallet
Not confirmedNone found.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.Hyperwallet
NoDoes not process checkout payments, so there is nothing for an agent to check out with.Cards for AI agents
Adyen
Not confirmedNot found in public materials.Hyperwallet
NoNot offered.Working with them
How easy it is to get started.
Self-serve signup
Adyen
PartlyMost businesses go through Adyen’s sales team.Hyperwallet
NoSales-led.Published pricing
Adyen
PartlyPer-transaction fees by payment method are published; overall terms are negotiated.Hyperwallet
NoNegotiated.Public API and sandbox
Adyen
YesPublic API and test environment.Hyperwallet
YesPayouts API.In short
Countries onboarded
Adyen
43 of 170Hyperwallet
33 of 170Designed for
Adyen
High-volume merchants that want local acquiring and one contract across many regions.Hyperwallet
Marketplaces paying thousands of sellers or workers in many countries.Limitations
Adyen
Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses.Hyperwallet
Handles payouts only, not collecting payments.| Adyen Payment processor | Hyperwallet Payout platform | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Enterprise acquiring with local payment methods across most major markets, online and in person. | Not offered |
| Pay people abroad | Pay out to sellers and users through Adyen for Platforms. | Payouts to bank accounts, cards, wallets and cash pickup in 200+ countries and territories. |
| Multi-currency account | Business accounts for platform users in selected markets. | Not offered |
| Business cards | Card issuing for platforms and businesses. | Not offered |
| Stablecoins | Not offered | Not offered |
| Yield on idle cash | Not offered | Not offered |
| 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 | No yield offered |
| Is the money protected? | – | – |
| Does the rate change? | – | – |
| FeesPublished prices only, with the date we read them. Many providers negotiate prices instead. | ||
| How pricing works | Adyen charges a fixed processing fee per transaction ($0.13 / €0.11 / £0.11, by pricing region) plus a payment-method fee. For Visa and Mastercard the method fee is shown as Interchange+ + 0.60%, so total card cost depends on interchange and scheme fees. No setup or monthly fees. | Hyperwallet (a PayPal company) fees are published on PayPal's US merchant fee page. Examples: 0.95 USD per domestic bank transfer, 4.95 USD per international bank transfer, 2% per wire (min 10, max 30 USD), 1.50 USD per domestic debit-card transfer, 0.25 USD per PayPal or Venmo transfer, 10 USD per cash pickup, and a 2% FX spread for major currencies (4% elsewhere). A 10 USD return fee applies to incorrect payment instructions. Hyperwallet's own site directs businesses to sales. |
| Published prices | Pricing structure (all): Fixed processing fee + a fee set by the payment methodProcessing fee (fixed, every transaction) (US / global (USD view)): $0.13 per transaction, plus a payment-method feeVisa / Mastercard payment-method fee (global): Interchange+ + 0.60% (plus the fixed processing fee)Processing fee (fixed, every transaction) (EU (Europe pricing view, not country-specific)): €0.11 per transaction, plus a payment-method fee; Visa/Mastercard shown as €0.11 + Interchange+ + 0.60%Processing fee (fixed, every transaction) (UK (GBP pricing view)): £0.11 per transaction, plus a payment-method fee; Visa/Mastercard shown as £0.11 + Interchange+ + 0.60%Monthly / setup fees (all): No setup or monthly fees | Bank transfers (US (PayPal US merchant fee page)): Domestic 0.95 USD; domestic instant 1.50 USD; international 4.95 USD per transactionWire transfer (US (PayPal US merchant fee page)): 2% of amount, min 10.00 USD, max 30.00 USDPayPal / Venmo / PYUSD transfer (US (PayPal US merchant fee page)): 0.25 USD per transactionForeign exchange spread (US (PayPal US merchant fee page)): 2% for USD, CAD, HKD, AUD, EUR (SEPA), GBP, MXN; 4% for all other countries/regionsSales contact (all): Hyperwallet's own website has no price list and directs businesses to salesOther payout methods and charges (US (PayPal US merchant fee page)): Debit card transfer: domestic 1.50 USD, international 1.5% (min 3.00, max 30.00 USD); cash pickup 10.00 USD; check 3.00 USD; third-party digital wallet 1.5% (min 1.50 USD); return fee for incorrect payment instructions 10.00 USD |
| What you can sellFrom each provider’s acceptable use policy. “Restricted” means allowed only with approval or conditions, or banned for part of the category. | ||
| Software and digital goods | Not stated | Not stated |
| Crypto | RestrictedCryptocurrency exchange is restricted for merchants and prohibited for platform/partner businesses. Virtual currencies are listed under restricted money services. | RestrictedCryptocurrency, virtual in-game currencies and NFTs require pre-approval. |
| Lending and financial services | RestrictedMoney services, FX, money transfer, BNPL, insurance and brokerage are restricted for merchants (mostly prohibited for platforms). Credit repair, binary options, payday/unsecured loans and unlicensed financial advisers are prohibited. | RestrictedMoney service businesses, e-money, stored value, escrow and investments require pre-approval. Traveler's checks, money orders, currency exchange, check cashing, certain credit repair, debt settlement and credit transactions, and payment processors collecting for merchants are prohibited. |
| Gambling | RestrictedLegal gambling and games of skill with prizes are restricted for merchants and prohibited for platforms. Illegal gambling and any US-based gambling services are prohibited. | RestrictedGambling, gaming, prize draws and contests require pre-approval and are allowed only where operator and customers are in jurisdictions where they are legal. |
| Adult content | RestrictedAdult goods (excluding fetish products) are restricted. Fetish products, sexual content and sexual entertainment are prohibited for both merchants and platforms. | RestrictedDigitally delivered adult content (VOD, webcam) requires pre-approval. 'Certain sexually oriented materials or services' and obscene items are prohibited. |
| Dating | RestrictedCasual dating is restricted for merchants and prohibited for platforms. Mail-order spouse and international matchmaking services are prohibited. | RestrictedOnline dating requires pre-approval. |
| Firearms and weapons | Not allowedTrade of weapons, ammunition, military arms, explosive devices and firearm parts is prohibited. | Not allowedAmmunition, firearms, certain firearm parts and certain regulated weapons or knives are prohibited. |
| Cannabis and CBD | RestrictedCannabis is restricted (documents needed) only in Canada; the line reads 'Cannabis (only in Canada)'. Outside Canada it is not offered as restricted, and drugs and 'other psychoactive products' are prohibited for both merchants and platforms. Treat cannabis outside Canada as not supported. CBD (as a highly regulated nutraceutical) is restricted for merchants and prohibited for platforms. | Not stated |
| Supplements | RestrictedNutraceuticals and food products are restricted for merchants and platforms (highly regulated ones such as CBD are prohibited for platforms). | Not stated |
| Pharmacy and telemedicine | RestrictedPharmaceuticals, prescription medicine and medical devices are restricted for merchants and platforms. IV therapy is prohibited. | RestrictedPrescription items, telemedicine and medical devices/services require pre-approval. |
| Travel | RestrictedTravel agents, tour operators, cruise lines and timeshares are restricted. Airlines and travel-related arrangement services are restricted for merchants and prohibited for platforms. | RestrictedAirlines and charter/air taxi operators require pre-approval. Other travel businesses (agencies, tours) are not mentioned. |
| Multi-level marketing | Not stated | RestrictedMulti-level marketing and direct selling require pre-approval; pyramid/Ponzi schemes and 'certain multi-level marketing programs' are prohibited. |
| Free-trial subscriptions | Not allowedDeceptive marketing, including poorly disclosed negative options and cancellation or refund avoidance, is prohibited. Clearly disclosed subscriptions are not addressed. | Not stated |
| 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. | PartlyPayees sign up with Hyperwallet to receive funds. |
| Split payments and platform fees | YesSplit each payment between users and take platform commission. | NoPayouts only. |
| Embeddable UI | YesHosted onboarding and embeddable components for users. | PartlyWhite-label payee portal. |
| Pay out to your users | YesPayouts to users’ bank accounts, or into Adyen business accounts. | YesBank, card, wallet and cash pickup payouts in 200+ countries and territories. |
| 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. | PartlyPayees hold balances in Hyperwallet virtual accounts. |
| Cards for your users | YesVirtual and physical Visa and Mastercard cards for platform users in Europe, the UK and the US. | Not confirmedNot confirmed. |
| Financing for your users | YesCapital for platform users in Europe, the UK, Australia and the US. | NoNot offered. |
| 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. | PartlyPays individuals such as gig workers and sellers. |
| Consumer wallets or accounts | NoBusiness accounts only. | PartlyPayee virtual accounts. |
| Consumer cards | NoCards serve platforms and their business users, for example payout cards for marketplace sellers. | Not confirmedNot confirmed. |
| 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. | Not confirmedNone found. |
| 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. | NoDoes not process checkout payments, so there is nothing for an agent to check out with. |
| Cards for AI agents | Not confirmedNot found in public materials. | NoNot offered. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | PartlyMost businesses go through Adyen’s sales team. | NoSales-led. |
| Published pricing | PartlyPer-transaction fees by payment method are published; overall terms are negotiated. | NoNegotiated. |
| Public API and sandbox | YesPublic API and test environment. | YesPayouts API. |
| In short | ||
| Countries onboarded | 43 of 170 | 33 of 170 |
| Designed for | High-volume merchants that want local acquiring and one contract across many regions. | Marketplaces paying thousands of sellers or workers in many countries. |
| Limitations | Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses. | Handles payouts only, not collecting payments. |
Common questions
Is Adyen or Hyperwallet available in more countries?
Adyen. Of the 170 countries we track, Adyen onboards businesses in 43 and Hyperwallet in 33. Both serve businesses in 33. Only Adyen: Mexico, Brazil, Switzerland, United Arab Emirates, India, Japan, Singapore, Hong Kong, Malaysia and New Zealand.
What do Adyen and Hyperwallet offer?
Accept payments: Adyen yes, Hyperwallet no. Pay people abroad: Adyen yes, Hyperwallet yes. Multi-currency account: Adyen yes, Hyperwallet no. Business cards: Adyen yes, Hyperwallet no. Stablecoins: Adyen no, Hyperwallet no. Yield on idle cash: Adyen no, Hyperwallet no.
How do Adyen and Hyperwallet differ for platforms and embedded finance?
Sub-accounts for your users: Adyen yes, Hyperwallet partly. Split payments and platform fees: Adyen yes, Hyperwallet no. Embeddable UI: Adyen yes, Hyperwallet partly. Cards for your users: Adyen yes, Hyperwallet not confirmed. Financing for your users: Adyen yes, Hyperwallet no. End users can be individuals: Adyen no, Hyperwallet partly. Consumer wallets or accounts: Adyen no, Hyperwallet partly. Consumer cards: Adyen no, Hyperwallet not confirmed. Checkout for AI agents: Adyen yes, Hyperwallet no. Cards for AI agents: Adyen not confirmed, Hyperwallet no.
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 Hyperwallet designed for?
Marketplaces paying thousands of sellers or workers in many countries. Limitations: Handles payouts only, not collecting payments.
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