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Stripe vs Adyen
Of the 170 countries we track, Stripe onboards businesses in 42 (and 1 more with limits) and Adyen in 43. Both serve businesses in 42.
Only Stripe · 1
Only Adyen · 1
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For a business registered in
Onboards businesses in United States
Stripe
AvailableAdyen
AvailableAccept payments
Stripe
Cards, wallets and 100+ local payment methods. You can sell to customers in almost every country.Adyen
Enterprise acquiring with local payment methods across most major markets, online and in person.Pay people abroad
Stripe
Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries.Adyen
Pay out to sellers and users through Adyen for Platforms.Multi-currency account
Stripe
Hold and settle balances in multiple currencies. Financial accounts with routing numbers are offered to US businesses.Adyen
Business accounts for platform users in selected markets.Business cards
Stripe
Issue physical and virtual cards for your business or your users.Adyen
Card issuing for platforms and businesses.Stablecoins
Stripe
US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries.Adyen
Not offeredYield on idle cash
Stripe
Stripe Treasury gives US businesses 1% a year in credits on balances above $2,000, applied to Stripe fees. Stripe says it pays no cash interest on balances.Adyen
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
Stripe
Low risk, not insuredCredits against feesAdyen
No yield offeredIs the money protected?
Stripe
Your balance is not invested. The return is paid as credits toward the provider’s own fees, not as cash.Adyen
–Does the rate change?
Stripe
Set by the provider, and only worth as much as the fees you pay.Last seen: 1% a year, as fee creditsAdyen
–Platform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Stripe
YesConnect creates and verifies accounts through hosted onboarding, embedded components or the API. Accounts v2 lets one account be a merchant, customer and payout recipient at once.Adyen
YesAdyen for Platforms: account holders and legal entities, with hosted or API onboarding and Adyen doing KYC.Split payments and platform fees
Stripe
YesDestination charges, separate charges and transfers, and application fees.Adyen
YesSplit each payment between users and take platform commission.Embeddable UI
Stripe
YesConnect embedded components for onboarding, payments, payouts and account management.Adyen
YesHosted onboarding and embeddable components for users.Pay out to your users
Stripe
YesPayouts to connected accounts, including instant payouts in some markets. Global Payouts sends fiat to 100+ markets and stablecoins to 160.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoinsAdyen
YesPayouts to users’ bank accounts, or into Adyen business accounts.Embedded finance for your users
Give your users financial products under your brand.
Accounts that hold money
Stripe
PartlyFinancial accounts for platforms (formerly Treasury) give US business users routing numbers and FDIC pass-through eligibility. US only.Announced, not yet live: Financial accounts for platforms’ users in the eurozoneAdyen
PartlyBusiness accounts with account numbers in BE, DE, ES, FR, GB, NL and the US. Adyen says the feature is still in development.Cards for your users
Stripe
YesIssuing for connected accounts: virtual and physical cards via the API. Cardholders can be individuals or companies.Announced, not yet live: Stablecoin-backed cards in 100 countriesAdyen
YesVirtual and physical Visa and Mastercard cards for platform users in Europe, the UK and the US.Financing for your users
Stripe
YesCapital for platforms offers financing to connected accounts in selected markets.Adyen
YesCapital for platform users in Europe, the UK, Australia and the US.Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
End users can be individuals
Stripe
PartlyStripe’s own account products are built for businesses. Consumer apps (wallets, stablecoin cards) go through its subsidiary Bridge.Adyen
NoAccount holders are organisations and sole proprietors, not consumers.Consumer wallets or accounts
Stripe
PartlyThrough Bridge custodial wallets, not Stripe accounts.Adyen
NoBusiness accounts only.Consumer cards
Stripe
PartlyStablecoin-linked consumer cards through Bridge and Stripe Issuing, rolling out by country (65+ countries, targeting 100 by end of 2026).Announced, not yet live: Stablecoin-backed cards in 100 countriesAdyen
NoCards serve platforms and their business users, for example payout cards for marketplace sellers.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Stripe
YesStablecoin payments at checkout, settled to the business in fiat.Adyen
NoNo stablecoin product found in public materials.Hold stablecoin balances
Stripe
YesStablecoin financial accounts in 101 countries: USDC balances with USD (ACH, wire) and EUR (SEPA) rails.Announced, not yet live: Stablecoin financial accounts in 50 more countriesAnnounced, not yet live: Move stablecoin balances to and from local bank accountsAdyen
NoNo stablecoin product found in public materials.Pay out in stablecoins
Stripe
YesInstant stablecoin payouts to recipients in 160 markets through Global Payouts.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoinsAdyen
NoNo stablecoin product found in public materials.Issue your own stablecoin
Stripe
YesThrough Bridge Open Issuance.Adyen
NoNo stablecoin product found in public materials.Regulatory risk in United States
Stripe
Low riskAdyen
No stablecoin productsAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Stripe
YesHosted MCP server at mcp.stripe.com with OAuth, plus an agent toolkit for the major agent frameworks.Adyen
Not confirmedNo official MCP server found; only community-built ones.Checkout for AI agents
Stripe
YesCo-developed the Agentic Commerce Protocol with OpenAI, which powers Instant Checkout in ChatGPT. Shared payment tokens let an agent pay a seller without seeing card numbers.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.Cards for AI agents
Stripe
YesIssuing can create single-use virtual cards for agents buying online.Adyen
Not confirmedNot found in public materials.Working with them
How easy it is to get started.
Self-serve signup
Stripe
YesSign up online and go live without sales in supported countries.Adyen
PartlyMost businesses go through Adyen’s sales team.Published pricing
Stripe
YesStandard rates are on the pricing page; volume discounts are negotiated.Adyen
PartlyPer-transaction fees by payment method are published; overall terms are negotiated.Public API and sandbox
Stripe
YesPublic API, test mode and sandboxes.Adyen
YesPublic API and test environment.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
Stripe
Preview or betaStablecoin-backed cards in 100 countriesExpected by the end of 2026
AnnouncedStablecoin financial accounts in 50 more countriesExpected Q4 2026
Preview or betaMove stablecoin balances to and from local bank accountsExpected Q4 2026
3 more and details →Adyen
Nothing announcedIn short
Countries onboarded
Stripe
42 of 170Adyen
43 of 170Designed for
Stripe
Online businesses that want one integration for checkout, subscriptions and marketplaces.Adyen
High-volume merchants that want local acquiring and one contract across many regions.Limitations
Stripe
Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it.Adyen
Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses.| Stripe Payment processor | Adyen Payment processor | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Cards, wallets and 100+ local payment methods. You can sell to customers in almost every country. | Enterprise acquiring with local payment methods across most major markets, online and in person. |
| Pay people abroad | Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries. | Pay out to sellers and users through Adyen for Platforms. |
| Multi-currency account | Hold and settle balances in multiple currencies. Financial accounts with routing numbers are offered to US businesses. | Business accounts for platform users in selected markets. |
| Business cards | Issue physical and virtual cards for your business or your users. | Card issuing for platforms and businesses. |
| Stablecoins | US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries. | Not offered |
| Yield on idle cash | Stripe Treasury gives US businesses 1% a year in credits on balances above $2,000, applied to Stripe fees. Stripe says it pays no cash interest on balances. | 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 | Low risk, not insuredCredits against fees | No yield offered |
| Is the money protected? | Your balance is not invested. The return is paid as credits toward the provider’s own fees, not as cash. | – |
| Does the rate change? | Set by the provider, and only worth as much as the fees you pay.Last seen: 1% a year, as fee credits | – |
| Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out. | ||
| Sub-accounts for your users | YesConnect creates and verifies accounts through hosted onboarding, embedded components or the API. Accounts v2 lets one account be a merchant, customer and payout recipient at once. | YesAdyen for Platforms: account holders and legal entities, with hosted or API onboarding and Adyen doing KYC. |
| Split payments and platform fees | YesDestination charges, separate charges and transfers, and application fees. | YesSplit each payment between users and take platform commission. |
| Embeddable UI | YesConnect embedded components for onboarding, payments, payouts and account management. | YesHosted onboarding and embeddable components for users. |
| Pay out to your users | YesPayouts to connected accounts, including instant payouts in some markets. Global Payouts sends fiat to 100+ markets and stablecoins to 160.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoins | YesPayouts to users’ bank accounts, or into Adyen business accounts. |
| Embedded finance for your usersGive your users financial products under your brand. | ||
| Accounts that hold money | PartlyFinancial accounts for platforms (formerly Treasury) give US business users routing numbers and FDIC pass-through eligibility. US only.Announced, not yet live: Financial accounts for platforms’ users in the eurozone | PartlyBusiness accounts with account numbers in BE, DE, ES, FR, GB, NL and the US. Adyen says the feature is still in development. |
| Cards for your users | YesIssuing for connected accounts: virtual and physical cards via the API. Cardholders can be individuals or companies.Announced, not yet live: Stablecoin-backed cards in 100 countries | YesVirtual and physical Visa and Mastercard cards for platform users in Europe, the UK and the US. |
| Financing for your users | YesCapital for platforms offers financing to connected accounts in selected markets. | YesCapital for platform users in Europe, the UK, Australia and the US. |
| Consumer appsBuild for individuals, not just businesses, the way Bridge allows. | ||
| End users can be individuals | PartlyStripe’s own account products are built for businesses. Consumer apps (wallets, stablecoin cards) go through its subsidiary Bridge. | NoAccount holders are organisations and sole proprietors, not consumers. |
| Consumer wallets or accounts | PartlyThrough Bridge custodial wallets, not Stripe accounts. | NoBusiness accounts only. |
| Consumer cards | PartlyStablecoin-linked consumer cards through Bridge and Stripe Issuing, rolling out by country (65+ countries, targeting 100 by end of 2026).Announced, not yet live: Stablecoin-backed cards in 100 countries | NoCards serve platforms and their business users, for example payout cards for marketplace sellers. |
| StablecoinsDollar-backed tokens as a payment and treasury rail. | ||
| Accept stablecoins | YesStablecoin payments at checkout, settled to the business in fiat. | NoNo stablecoin product found in public materials. |
| Hold stablecoin balances | YesStablecoin financial accounts in 101 countries: USDC balances with USD (ACH, wire) and EUR (SEPA) rails.Announced, not yet live: Stablecoin financial accounts in 50 more countriesAnnounced, not yet live: Move stablecoin balances to and from local bank accounts | NoNo stablecoin product found in public materials. |
| Pay out in stablecoins | YesInstant stablecoin payouts to recipients in 160 markets through Global Payouts.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoins | NoNo stablecoin product found in public materials. |
| Issue your own stablecoin | YesThrough Bridge Open Issuance. | NoNo stablecoin product found in public materials. |
| Regulatory risk in United States | Low risk | No stablecoin products |
| AI agentsBuild with AI tools, and let AI agents shop and pay. | ||
| Official MCP server | YesHosted MCP server at mcp.stripe.com with OAuth, plus an agent toolkit for the major agent frameworks. | Not confirmedNo official MCP server found; only community-built ones. |
| Checkout for AI agents | YesCo-developed the Agentic Commerce Protocol with OpenAI, which powers Instant Checkout in ChatGPT. Shared payment tokens let an agent pay a seller without seeing card numbers. | 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. |
| Cards for AI agents | YesIssuing can create single-use virtual cards for agents buying online. | Not confirmedNot found in public materials. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | YesSign up online and go live without sales in supported countries. | PartlyMost businesses go through Adyen’s sales team. |
| Published pricing | YesStandard rates are on the pricing page; volume discounts are negotiated. | PartlyPer-transaction fees by payment method are published; overall terms are negotiated. |
| Public API and sandbox | YesPublic API, test mode and sandboxes. | YesPublic API and test environment. |
| 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 | Preview or betaStablecoin-backed cards in 100 countriesExpected by the end of 2026 AnnouncedStablecoin financial accounts in 50 more countriesExpected Q4 2026 Preview or betaMove stablecoin balances to and from local bank accountsExpected Q4 2026 3 more and details → | Nothing announced |
| In short | ||
| Countries onboarded | 42 of 170 | 43 of 170 |
| Designed for | Online businesses that want one integration for checkout, subscriptions and marketplaces. | High-volume merchants that want local acquiring and one contract across many regions. |
| Limitations | Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it. | Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses. |
Common questions
Is Stripe or Adyen available in more countries?
They cover the same number. Of the 170 countries we track, Stripe onboards businesses in 42 (and 1 more with limits) and Adyen in 43. Both serve businesses in 42. Only Stripe: Thailand. Only Adyen: Iceland.
What do Stripe and Adyen offer?
Accept payments: Stripe yes, Adyen yes. Pay people abroad: Stripe yes, Adyen yes. Multi-currency account: Stripe yes, Adyen yes. Business cards: Stripe yes, Adyen yes. Stablecoins: Stripe yes, Adyen no. Yield on idle cash: Stripe yes, Adyen no.
How do Stripe and Adyen differ for platforms and embedded finance?
End users can be individuals: Stripe partly, Adyen no. Consumer wallets or accounts: Stripe partly, Adyen no. Consumer cards: Stripe partly, Adyen no. Accept stablecoins: Stripe yes, Adyen no. Hold stablecoin balances: Stripe yes, Adyen no. Pay out in stablecoins: Stripe yes, Adyen no. Issue your own stablecoin: Stripe yes, Adyen no. Official MCP server: Stripe yes, Adyen not confirmed. Cards for AI agents: Stripe yes, Adyen not confirmed.
Who is Stripe designed for?
Online businesses that want one integration for checkout, subscriptions and marketplaces. Limitations: Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it.
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.
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