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Adyen vs PayPal

Of the 170 countries we track, Adyen onboards businesses in 43 and PayPal in 91 (and 2 more with limits). Both serve businesses in 43.

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Onboards businesses in United States

Adyen

Available

PayPal

Available

Accept payments

Adyen

Enterprise acquiring with local payment methods across most major markets, online and in person.

PayPal

PayPal wallet, cards and (in the US) Venmo at checkout, with buyer and seller protection.

Pay people abroad

Adyen

Pay out to sellers and users through Adyen for Platforms.

PayPal

Mass payouts to PayPal and Venmo accounts worldwide. Bank payouts go through Hyperwallet.

Multi-currency account

Adyen

Business accounts for platform users in selected markets.

PayPal

Hold balances in 20+ currencies inside a PayPal business account.

Business cards

Adyen

Card issuing for platforms and businesses.

PayPal

PayPal Business Debit Mastercard.

Stablecoins

Adyen

Not offered

PayPal

US businesses can accept crypto through Pay with Crypto and hold PayPal USD (PYUSD).

Yield on idle cash

Adyen

Not offered

PayPal

US businesses holding PayPal USD (PYUSD) in their PayPal balance can opt in to rewards of around 3.7–4% a year, funded from the stablecoin’s reserve interest. Not available in New York.

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 offered

PayPal

Moderate riskStablecoin rewards

Is the money protected?

Adyen

–

PayPal

Stablecoins are not bank deposits and are not insured. The reward is a promotion funded by the issuer’s reserve interest; it can be changed or stopped, and US law bars issuers from paying interest directly.

Does the rate change?

Adyen

–

PayPal

Set by the provider; tends to follow US Treasury rates.Last seen: Around 3.7–4% a year (2026)

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.

PayPal

PayPal publishes per-market fee pages (both last updated 1 October 2026). US: 3.49% + 0.49 USD for PayPal Checkout, 2.99% + 0.49 USD for standard card payments, and 2.89% + 0.29 USD for Advanced Credit and Debit Card Payments (or interchange + 0.49% + 0.39 USD). International payments add 1.50%, currency conversion has a 3.00% spread, a chargeback costs $20 and a standard dispute $15. Fees are not returned on refunds. UK: 2.9% + 0.30 GBP standard rate (1.2% for card payers without a PayPal account), and Advanced card payments at 1.2% + 0.20 GBP (Amex 3.5%). International payments add 1.29% (EEA) or 1.99% (elsewhere). A chargeback costs £14 and a standard dispute £12.

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 fees

PayPal

PayPal Checkout (US): 3.49% + fixed feeStandard credit and debit card payments (US): 2.99% + fixed feeFixed fee (USD) (US): 0.49 USD per commercial transaction received in USDInternational commercial transactions (US): +1.50% on top of the domestic rateCurrency conversion (US): 3.00% spread for most transactions (4.00% for some, e.g. Payouts in another currency)Chargeback fee (US): 20.00 USD per card chargeback on transactions not processed through a PayPal account or guest checkout

What 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 stated

PayPal

Not stated

Crypto

Adyen

RestrictedCryptocurrency exchange is restricted for merchants and prohibited for platform/partner businesses. Virtual currencies are listed under restricted money services.

PayPal

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.

PayPal

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.

PayPal

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.

PayPal

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.

PayPal

RestrictedOnline dating requires pre-approval.

Firearms and weapons

Adyen

Not allowedTrade of weapons, ammunition, military arms, explosive devices and firearm parts is prohibited.

PayPal

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.

PayPal

Not stated

Supplements

Adyen

RestrictedNutraceuticals and food products are restricted for merchants and platforms (highly regulated ones such as CBD are prohibited for platforms).

PayPal

Not stated

Pharmacy and telemedicine

Adyen

RestrictedPharmaceuticals, prescription medicine and medical devices are restricted for merchants and platforms. IV therapy is prohibited.

PayPal

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.

PayPal

RestrictedAirlines and charter/air taxi operators require pre-approval. Other travel businesses (agencies, tours) are not mentioned.

Multi-level marketing

Adyen

Not stated

PayPal

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.

PayPal

Not stated

Platform & 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.

PayPal

YesPayPal Complete Payments onboards sellers into their own PayPal business accounts. Braintree Marketplace creates sub-merchants, but only for US businesses.

Split payments and platform fees

Adyen

YesSplit each payment between users and take platform commission.

PayPal

YesPlatform fees on seller payments; Braintree Marketplace splits each transaction and can hold funds in escrow.

Embeddable UI

Adyen

YesHosted onboarding and embeddable components for users.

PayPal

PartlySeller onboarding is a PayPal-hosted flow.

Pay out to your users

Adyen

YesPayouts to users’ bank accounts, or into Adyen business accounts.

PayPal

YesPayouts API to PayPal and Venmo accounts; Hyperwallet for bank, card and cash payouts.

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.

PayPal

NoSellers hold their own PayPal accounts; platforms cannot create accounts that hold money for users.

Cards for your users

Adyen

YesVirtual and physical Visa and Mastercard cards for platform users in Europe, the UK and the US.

PayPal

NoNo card issuing for platform users.

Financing for your users

Adyen

YesCapital for platform users in Europe, the UK, Australia and the US.

PayPal

NoPayPal’s business loans are offered directly by PayPal, not through platforms.

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.

PayPal

PartlyYou can pay individuals’ PayPal and Venmo accounts, but not build wallets or accounts for your own users.

Consumer wallets or accounts

Adyen

NoBusiness accounts only.

PayPal

NoConsumers use PayPal’s own wallet.

Consumer cards

Adyen

NoCards serve platforms and their business users, for example payout cards for marketplace sellers.

PayPal

NoNot offered to platforms.

Stablecoins

Dollar-backed tokens as a payment and treasury rail.

Accept stablecoins

Adyen

NoNo stablecoin product found in public materials.

PayPal

PartlyPay with Crypto lets US merchants accept crypto, settled in dollars.

Hold stablecoin balances

Adyen

NoNo stablecoin product found in public materials.

PayPal

PartlyUS accounts can hold PayPal USD (PYUSD).

Pay out in stablecoins

Adyen

NoNo stablecoin product found in public materials.

PayPal

Not confirmedNot confirmed for platform payouts.

Issue your own stablecoin

Adyen

NoNo stablecoin product found in public materials.

PayPal

NoPYUSD is PayPal’s own coin; you cannot issue one.

Regulatory risk in United States

Adyen

No stablecoin products

PayPal

Low risk

AI 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.

PayPal

YesAgent tooling for its APIs, and backing WebMCP so agents can use merchants’ existing storefronts.

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.

PayPal

YesAdopted the Agentic Commerce Protocol for Instant Checkout in ChatGPT, rolling out in 2026, so PayPal merchants can sell in ChatGPT without their own integration.

Cards for AI agents

Adyen

Not confirmedNot found in public materials.

PayPal

Not confirmedNot found in public materials.

Working with them

How easy it is to get started.

Self-serve signup

Adyen

PartlyMost businesses go through Adyen’s sales team.

PayPal

YesSign up online.

Published pricing

Adyen

PartlyPer-transaction fees by payment method are published; overall terms are negotiated.

PayPal

YesMerchant fees are published by country.

Public API and sandbox

Adyen

YesPublic API and test environment.

PayPal

YesPublic REST 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 announced

PayPal

Awaiting approvalPayPal Bank in the USNo date given · Includes United States

Details and sources →

In short

Countries onboarded

Adyen

43 of 170

PayPal

91 of 170

Designed for

Adyen

High-volume merchants that want local acquiring and one contract across many regions.

PayPal

Selling to customers who already pay with PayPal, including cross-border buyers.

Limitations

Adyen

Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses.

PayPal

PayPal’s terms allow it to hold payments or set reserves, for example on new accounts or after a sudden rise in sales.

	Adyen Payment processor	PayPal Payment processor
Onboards businesses in United States	Available	Available
Accept payments	Enterprise acquiring with local payment methods across most major markets, online and in person.	PayPal wallet, cards and (in the US) Venmo at checkout, with buyer and seller protection.
Pay people abroad	Pay out to sellers and users through Adyen for Platforms.	Mass payouts to PayPal and Venmo accounts worldwide. Bank payouts go through Hyperwallet.
Multi-currency account	Business accounts for platform users in selected markets.	Hold balances in 20+ currencies inside a PayPal business account.
Business cards	Card issuing for platforms and businesses.	PayPal Business Debit Mastercard.
Stablecoins	Not offered	US businesses can accept crypto through Pay with Crypto and hold PayPal USD (PYUSD).
Yield on idle cash	Not offered	US businesses holding PayPal USD (PYUSD) in their PayPal balance can opt in to rewards of around 3.7–4% a year, funded from the stablecoin’s reserve interest. Not available in New York.
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	Moderate riskStablecoin rewards
Is the money protected?	–	Stablecoins are not bank deposits and are not insured. The reward is a promotion funded by the issuer’s reserve interest; it can be changed or stopped, and US law bars issuers from paying interest directly.
Does the rate change?	–	Set by the provider; tends to follow US Treasury rates.Last seen: Around 3.7–4% a year (2026)
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.	PayPal publishes per-market fee pages (both last updated 1 October 2026). US: 3.49% + 0.49 USD for PayPal Checkout, 2.99% + 0.49 USD for standard card payments, and 2.89% + 0.29 USD for Advanced Credit and Debit Card Payments (or interchange + 0.49% + 0.39 USD). International payments add 1.50%, currency conversion has a 3.00% spread, a chargeback costs $20 and a standard dispute $15. Fees are not returned on refunds. UK: 2.9% + 0.30 GBP standard rate (1.2% for card payers without a PayPal account), and Advanced card payments at 1.2% + 0.20 GBP (Amex 3.5%). International payments add 1.29% (EEA) or 1.99% (elsewhere). A chargeback costs £14 and a standard dispute £12.
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	PayPal Checkout (US): 3.49% + fixed feeStandard credit and debit card payments (US): 2.99% + fixed feeFixed fee (USD) (US): 0.49 USD per commercial transaction received in USDInternational commercial transactions (US): +1.50% on top of the domestic rateCurrency conversion (US): 3.00% spread for most transactions (4.00% for some, e.g. Payouts in another currency)Chargeback fee (US): 20.00 USD per card chargeback on transactions not processed through a PayPal account or guest checkout
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.	YesPayPal Complete Payments onboards sellers into their own PayPal business accounts. Braintree Marketplace creates sub-merchants, but only for US businesses.
Split payments and platform fees	YesSplit each payment between users and take platform commission.	YesPlatform fees on seller payments; Braintree Marketplace splits each transaction and can hold funds in escrow.
Embeddable UI	YesHosted onboarding and embeddable components for users.	PartlySeller onboarding is a PayPal-hosted flow.
Pay out to your users	YesPayouts to users’ bank accounts, or into Adyen business accounts.	YesPayouts API to PayPal and Venmo accounts; Hyperwallet for bank, card and cash payouts.
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.	NoSellers hold their own PayPal accounts; platforms cannot create accounts that hold money for users.
Cards for your users	YesVirtual and physical Visa and Mastercard cards for platform users in Europe, the UK and the US.	NoNo card issuing for platform users.
Financing for your users	YesCapital for platform users in Europe, the UK, Australia and the US.	NoPayPal’s business loans are offered directly by PayPal, not through platforms.
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.	PartlyYou can pay individuals’ PayPal and Venmo accounts, but not build wallets or accounts for your own users.
Consumer wallets or accounts	NoBusiness accounts only.	NoConsumers use PayPal’s own wallet.
Consumer cards	NoCards serve platforms and their business users, for example payout cards for marketplace sellers.	NoNot offered to platforms.
StablecoinsDollar-backed tokens as a payment and treasury rail.
Accept stablecoins	NoNo stablecoin product found in public materials.	PartlyPay with Crypto lets US merchants accept crypto, settled in dollars.
Hold stablecoin balances	NoNo stablecoin product found in public materials.	PartlyUS accounts can hold PayPal USD (PYUSD).
Pay out in stablecoins	NoNo stablecoin product found in public materials.	Not confirmedNot confirmed for platform payouts.
Issue your own stablecoin	NoNo stablecoin product found in public materials.	NoPYUSD is PayPal’s own coin; you cannot issue one.
Regulatory risk in United States	No stablecoin products	Low risk
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.	YesAgent tooling for its APIs, and backing WebMCP so agents can use merchants’ existing storefronts.
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.	YesAdopted the Agentic Commerce Protocol for Instant Checkout in ChatGPT, rolling out in 2026, so PayPal merchants can sell in ChatGPT without their own integration.
Cards for AI agents	Not confirmedNot found in public materials.	Not confirmedNot found in public materials.
Working with themHow easy it is to get started.
Self-serve signup	PartlyMost businesses go through Adyen’s sales team.	YesSign up online.
Published pricing	PartlyPer-transaction fees by payment method are published; overall terms are negotiated.	YesMerchant fees are published by country.
Public API and sandbox	YesPublic API and test environment.	YesPublic REST 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	Awaiting approvalPayPal Bank in the USNo date given · Includes United States Details and sources →
In short
Countries onboarded	43 of 170	91 of 170
Designed for	High-volume merchants that want local acquiring and one contract across many regions.	Selling to customers who already pay with PayPal, including cross-border buyers.
Limitations	Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses.	PayPal’s terms allow it to hold payments or set reserves, for example on new accounts or after a sudden rise in sales.

Common questions

Is Adyen or PayPal available in more countries?

PayPal. Of the 170 countries we track, Adyen onboards businesses in 43 and PayPal in 91 (and 2 more with limits). Both serve businesses in 43. Only PayPal: Argentina, Colombia, Chile, Peru, Saudi Arabia, Israel, Egypt, Kenya, South Africa, Morocco, China, South Korea and 38 more.

What do Adyen and PayPal offer?

Accept payments: Adyen yes, PayPal yes. Pay people abroad: Adyen yes, PayPal yes. Multi-currency account: Adyen yes, PayPal yes. Business cards: Adyen yes, PayPal yes. Stablecoins: Adyen no, PayPal yes. Yield on idle cash: Adyen no, PayPal yes.

How do Adyen and PayPal differ for platforms and embedded finance?

Embeddable UI: Adyen yes, PayPal partly. Accounts that hold money: Adyen partly, PayPal no. Cards for your users: Adyen yes, PayPal no. Financing for your users: Adyen yes, PayPal no. End users can be individuals: Adyen no, PayPal partly. Accept stablecoins: Adyen no, PayPal partly. Hold stablecoin balances: Adyen no, PayPal partly. Pay out in stablecoins: Adyen no, PayPal not confirmed. Official MCP server: Adyen not confirmed, PayPal yes.

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 PayPal designed for?

Selling to customers who already pay with PayPal, including cross-border buyers. Limitations: PayPal’s terms allow it to hold payments or set reserves, for example on new accounts or after a sudden rise in sales.