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Adyen vs Rapyd

Of the 170 countries we track, Adyen onboards businesses in 43 and Rapyd in 62. Both serve businesses in 41.

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Onboards businesses in United States

Adyen

Available

Rapyd

Available

Accept payments

Adyen

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

Rapyd

Online card acquiring and local payment methods (cards, wallets, bank transfers, stablecoins, cash vouchers) through an API, hosted checkout, payment links and plugins, with subscriptions. Rapyd says customers can pay from 190+ markets in 150+ currencies.

Pay people abroad

Adyen

Pay out to sellers and users through Adyen for Platforms.

Rapyd

Rapyd Disburse sends single and mass payouts by bank transfer, real-time payment networks, card payouts (Visa Direct, Mastercard Send), stablecoins and third-party wallets. Rapyd states 190+ countries and 120+ currencies.

Multi-currency account

Adyen

Business accounts for platform users in selected markets.

Rapyd

Every Rapyd client gets a Rapyd Wallet: a multi-currency balance with fiat and stablecoin support, sub-accounts, and virtual account numbers (vIBANs and local formats) for receiving transfers. Rapyd also documents a separate Rapyd Business Account for Hong Kong businesses (HKD, USD, EUR and GBP balances; HK, UK and Europe receiving accounts).

Business cards

Adyen

Card issuing for platforms and businesses.

Rapyd

Rapyd Issuing creates pre-funded physical and virtual cards drawn on a Rapyd Wallet, with spending limits and merchant restrictions. Issuing is offered in specific countries only, confirmed with sales; Rapyd cites 10+ markets.

Stablecoins

Adyen

Not offered

Rapyd

Since 9 September 2025, businesses can accept stablecoin payments (converted to fiat), settle in stablecoins or fiat, and pay out in stablecoins. Rapyd says this runs through regulated third-party partners and that it does not itself issue, custody or directly process crypto assets. Supported coins are not named.

Yield on idle cash

Adyen

Not offered

Rapyd

Not offered

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

Rapyd

No yield offered

Is the money protected?

Adyen

–

Rapyd

–

Does the rate change?

Adyen

–

Rapyd

–

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.

Rapyd

Not yet researched

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

Rapyd

–

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

Rapyd

Not yet researched

Crypto

Adyen

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

Rapyd

Not yet researched

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.

Rapyd

Not yet researched

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.

Rapyd

Not yet researched

Adult content

Adyen

RestrictedAdult goods (excluding fetish products) are restricted. Fetish products, sexual content and sexual entertainment are prohibited for both merchants and platforms.

Rapyd

Not yet researched

Dating

Adyen

RestrictedCasual dating is restricted for merchants and prohibited for platforms. Mail-order spouse and international matchmaking services are prohibited.

Rapyd

Not yet researched

Firearms and weapons

Adyen

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

Rapyd

Not yet researched

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.

Rapyd

Not yet researched

Supplements

Adyen

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

Rapyd

Not yet researched

Pharmacy and telemedicine

Adyen

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

Rapyd

Not yet researched

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.

Rapyd

Not yet researched

Multi-level marketing

Adyen

Not stated

Rapyd

Not yet researched

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.

Rapyd

Not yet researched

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.

Rapyd

YesPartners create merchant organisations and submit KYB applications, including sub-merchant applications, through the partner onboarding API. Merchants who use Rapyd through a marketplace complete Rapyd's own KYB through a hosted page.

Split payments and platform fees

Adyen

YesSplit each payment between users and take platform commission.

Rapyd

YesThe marketplace solution splits payments by predefined rules; the seller's share lands in a sub-account.

Embeddable UI

Adyen

YesHosted onboarding and embeddable components for users.

Rapyd

PartlyRapyd offers hosted pages (identity verification, virtual card display, hosted checkout) and markets white-label checkout and payouts. Embeddable onboarding components were not found.

Pay out to your users

Adyen

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

Rapyd

YesDisburse supports B2B, B2C and C2C payouts to bank accounts, cards, RTP networks, wallets and stablecoins.

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.

Rapyd

YesPlatforms issue wallets to consumers and businesses; each wallet can have several virtual account numbers.

Cards for your users

Adyen

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

Rapyd

YesCards are funded by a Rapyd Wallet and linked to a wallet contact; issuing countries are confirmed with sales.

Financing for your users

Adyen

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

Rapyd

Not confirmedNo lending product found. The Wallet FAQ says the infrastructure enables 'fintech capabilities like lending', but no lending product or terms were found.

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.

Rapyd

YesWallets of type 'person' are for individual consumers, and Rapyd offers a hosted KYC page for wallet contacts.

Consumer wallets or accounts

Adyen

NoBusiness accounts only.

Rapyd

YesPlatforms can create personal wallets for their customers.

Consumer cards

Adyen

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

Rapyd

YesRapyd's docs describe Issuing as issuing cards to consumers and businesses. Issuing countries are confirmed with sales.

Stablecoins

Dollar-backed tokens as a payment and treasury rail.

Accept stablecoins

Adyen

NoNo stablecoin product found in public materials.

Rapyd

YesAccept stablecoin payments and convert to fiat, or settle in stablecoin (since 9 Sep 2025, through third-party partners).

Hold stablecoin balances

Adyen

NoNo stablecoin product found in public materials.

Rapyd

YesRapyd says the Wallet natively supports stablecoins and that businesses can settle in stablecoins. Rapyd itself does not custody crypto; partners provide this.

Pay out in stablecoins

Adyen

NoNo stablecoin product found in public materials.

Rapyd

YesStablecoin payouts are listed as a Disburse rail.

Issue your own stablecoin

Adyen

NoNo stablecoin product found in public materials.

Rapyd

NoRapyd states it does not itself issue crypto assets; no branded-stablecoin product was found.

Regulatory risk in United States

Adyen

No stablecoin products

Rapyd

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.

Rapyd

Not confirmedNot found in public materials (Rapyd docs navigation and a web search, Oct 2026).

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.

Rapyd

Not confirmedNot found in public materials.

Cards for AI agents

Adyen

Not confirmedNot found in public materials.

Rapyd

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.

Rapyd

Not confirmedNot researched yet.

Published pricing

Adyen

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

Rapyd

Not confirmedNot researched yet.

Public API and sandbox

Adyen

YesPublic API and test environment.

Rapyd

Not confirmedNot researched yet.

In short

Countries onboarded

Adyen

43 of 170

Rapyd

62 of 170

Designed for

Adyen

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

Rapyd

Businesses domiciled in a Rapyd-listed country that want card acquiring, local payment methods, payouts and a multi-currency wallet from one API.

Limitations

Adyen

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

Rapyd

Rapyd's own merchant-location lists disagree for about a dozen countries, and card pricing outside a few Latin American markets is quoted rather than published.

	Adyen Payment processor	Rapyd 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.	Online card acquiring and local payment methods (cards, wallets, bank transfers, stablecoins, cash vouchers) through an API, hosted checkout, payment links and plugins, with subscriptions. Rapyd says customers can pay from 190+ markets in 150+ currencies.
Pay people abroad	Pay out to sellers and users through Adyen for Platforms.	Rapyd Disburse sends single and mass payouts by bank transfer, real-time payment networks, card payouts (Visa Direct, Mastercard Send), stablecoins and third-party wallets. Rapyd states 190+ countries and 120+ currencies.
Multi-currency account	Business accounts for platform users in selected markets.	Every Rapyd client gets a Rapyd Wallet: a multi-currency balance with fiat and stablecoin support, sub-accounts, and virtual account numbers (vIBANs and local formats) for receiving transfers. Rapyd also documents a separate Rapyd Business Account for Hong Kong businesses (HKD, USD, EUR and GBP balances; HK, UK and Europe receiving accounts).
Business cards	Card issuing for platforms and businesses.	Rapyd Issuing creates pre-funded physical and virtual cards drawn on a Rapyd Wallet, with spending limits and merchant restrictions. Issuing is offered in specific countries only, confirmed with sales; Rapyd cites 10+ markets.
Stablecoins	Not offered	Since 9 September 2025, businesses can accept stablecoin payments (converted to fiat), settle in stablecoins or fiat, and pay out in stablecoins. Rapyd says this runs through regulated third-party partners and that it does not itself issue, custody or directly process crypto assets. Supported coins are not named.
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.	Not yet researched
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	–
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 yet researched
Crypto	RestrictedCryptocurrency exchange is restricted for merchants and prohibited for platform/partner businesses. Virtual currencies are listed under restricted money services.	Not yet researched
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.	Not yet researched
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.	Not yet researched
Adult content	RestrictedAdult goods (excluding fetish products) are restricted. Fetish products, sexual content and sexual entertainment are prohibited for both merchants and platforms.	Not yet researched
Dating	RestrictedCasual dating is restricted for merchants and prohibited for platforms. Mail-order spouse and international matchmaking services are prohibited.	Not yet researched
Firearms and weapons	Not allowedTrade of weapons, ammunition, military arms, explosive devices and firearm parts is prohibited.	Not yet researched
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 yet researched
Supplements	RestrictedNutraceuticals and food products are restricted for merchants and platforms (highly regulated ones such as CBD are prohibited for platforms).	Not yet researched
Pharmacy and telemedicine	RestrictedPharmaceuticals, prescription medicine and medical devices are restricted for merchants and platforms. IV therapy is prohibited.	Not yet researched
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.	Not yet researched
Multi-level marketing	Not stated	Not yet researched
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 yet researched
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.	YesPartners create merchant organisations and submit KYB applications, including sub-merchant applications, through the partner onboarding API. Merchants who use Rapyd through a marketplace complete Rapyd's own KYB through a hosted page.
Split payments and platform fees	YesSplit each payment between users and take platform commission.	YesThe marketplace solution splits payments by predefined rules; the seller's share lands in a sub-account.
Embeddable UI	YesHosted onboarding and embeddable components for users.	PartlyRapyd offers hosted pages (identity verification, virtual card display, hosted checkout) and markets white-label checkout and payouts. Embeddable onboarding components were not found.
Pay out to your users	YesPayouts to users’ bank accounts, or into Adyen business accounts.	YesDisburse supports B2B, B2C and C2C payouts to bank accounts, cards, RTP networks, wallets and stablecoins.
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.	YesPlatforms issue wallets to consumers and businesses; each wallet can have several virtual account numbers.
Cards for your users	YesVirtual and physical Visa and Mastercard cards for platform users in Europe, the UK and the US.	YesCards are funded by a Rapyd Wallet and linked to a wallet contact; issuing countries are confirmed with sales.
Financing for your users	YesCapital for platform users in Europe, the UK, Australia and the US.	Not confirmedNo lending product found. The Wallet FAQ says the infrastructure enables 'fintech capabilities like lending', but no lending product or terms were found.
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.	YesWallets of type 'person' are for individual consumers, and Rapyd offers a hosted KYC page for wallet contacts.
Consumer wallets or accounts	NoBusiness accounts only.	YesPlatforms can create personal wallets for their customers.
Consumer cards	NoCards serve platforms and their business users, for example payout cards for marketplace sellers.	YesRapyd's docs describe Issuing as issuing cards to consumers and businesses. Issuing countries are confirmed with sales.
StablecoinsDollar-backed tokens as a payment and treasury rail.
Accept stablecoins	NoNo stablecoin product found in public materials.	YesAccept stablecoin payments and convert to fiat, or settle in stablecoin (since 9 Sep 2025, through third-party partners).
Hold stablecoin balances	NoNo stablecoin product found in public materials.	YesRapyd says the Wallet natively supports stablecoins and that businesses can settle in stablecoins. Rapyd itself does not custody crypto; partners provide this.
Pay out in stablecoins	NoNo stablecoin product found in public materials.	YesStablecoin payouts are listed as a Disburse rail.
Issue your own stablecoin	NoNo stablecoin product found in public materials.	NoRapyd states it does not itself issue crypto assets; no branded-stablecoin product was found.
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.	Not confirmedNot found in public materials (Rapyd docs navigation and a web search, Oct 2026).
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 confirmedNot found in public materials.
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.	Not confirmedNot researched yet.
Published pricing	PartlyPer-transaction fees by payment method are published; overall terms are negotiated.	Not confirmedNot researched yet.
Public API and sandbox	YesPublic API and test environment.	Not confirmedNot researched yet.
In short
Countries onboarded	43 of 170	62 of 170
Designed for	High-volume merchants that want local acquiring and one contract across many regions.	Businesses domiciled in a Rapyd-listed country that want card acquiring, local payment methods, payouts and a multi-currency wallet from one API.
Limitations	Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses.	Rapyd's own merchant-location lists disagree for about a dozen countries, and card pricing outside a few Latin American markets is quoted rather than published.

Common questions

Is Adyen or Rapyd available in more countries?

Rapyd. Of the 170 countries we track, Adyen onboards businesses in 43 and Rapyd in 62. Both serve businesses in 41. Only Adyen: Canada and United Arab Emirates. Only Rapyd: Argentina, Colombia, Chile, Peru, Israel, Turkey, South Africa, South Korea, Taiwan, Indonesia, Thailand, Philippines and 9 more.

What do Adyen and Rapyd offer?

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

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

Embeddable UI: Adyen yes, Rapyd partly. Accounts that hold money: Adyen partly, Rapyd yes. Financing for your users: Adyen yes, Rapyd not confirmed. End users can be individuals: Adyen no, Rapyd yes. Consumer wallets or accounts: Adyen no, Rapyd yes. Consumer cards: Adyen no, Rapyd yes. Accept stablecoins: Adyen no, Rapyd yes. Hold stablecoin balances: Adyen no, Rapyd yes. Pay out in stablecoins: Adyen no, Rapyd yes. Checkout for AI agents: Adyen yes, Rapyd not confirmed.

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 Rapyd designed for?

Businesses domiciled in a Rapyd-listed country that want card acquiring, local payment methods, payouts and a multi-currency wallet from one API. Limitations: Rapyd's own merchant-location lists disagree for about a dozen countries, and card pricing outside a few Latin American markets is quoted rather than published.