Adyen vs Chargebee
Adyen and Chargebee are both payments & billing tools. Adyen is aimed at enterprise and E-commerce, while Chargebee is aimed at enterprise and small businesses.
Enterprise payments platform for online, in-store and platform sales
Subscription billing and revenue management
| Pricing | Paid | Paid |
| Starting price | Not published | Not published |
| Free plan | No | No |
| Free trial | — | — |
| Built for | Enterprise, E-commerce | Enterprise, Small businesses |
| Platforms | web | web |
| Country | NL · 2006 | US · 2011 |
| Rating | — | — |
Choose Adyen if
Large merchants and platforms processing high volumes across several countries and channels that want one acquiring partner.
- Transparent, published Interchange++ pricing with no setup or monthly fees
- Single platform for online, in-store and marketplace payments
- Strong authorization rates from direct acquiring and tokenization
Look elsewhere if: Small businesses and early startups that need instant self-serve setup (Stripe, PayPal, Square).
Choose Chargebee if
Growing SaaS with complex billing.
- Flexible pricing models
- Gateway independence
- Strong revenue operations
Look elsewhere if: Simple subscriptions (Stripe Billing).
Adyen vs Chargebee pricing
Adyen
- Processing fee$0.13/transactionFixed fee on every payment, plus the payment method fee
- Cards (Visa, Mastercard)Interchange++ + 0.60%Interchange and scheme fees passed through at cost
- American Express3.3% + $0.10North America rate; 3.95% elsewhere
- ACH Direct Debit$0.27/transactionNo setup, monthly or closure fees; minimum invoice may apply
Chargebee
- Flow0.80% of volumeOr $99/mo + 0.65%; $66K/mo breakeven; 100M usage events
- EnterpriseCustomMulti-entity, account hierarchy, contract terms
Adyen · Key features
- Own acquiring and processing for cards in many countries under one contract
- Drop-in and Components SDKs for web, iOS and Android checkout
- Point-of-sale terminals and Tap to Pay on iPhone and Android
- RevenueProtect risk engine with configurable fraud rules
- Network tokenization and automatic card updater to lift authorization rates
- Adyen for Platforms for marketplace onboarding, KYC and split payouts
Cons
- Sales-led onboarding that is not designed for small merchants
- Integration and configuration usually need in-house developers
- Minimum invoice can apply depending on industry
Chargebee · Key features
- Subscription and usage-based billing
- Multi-gateway support
- Dunning and retention flows
- Invoicing, tax and revenue recognition
- Subscription analytics
- Customer self-serve portal
Cons
- Fees grow with billing volume
- Implementation effort
- Overlap with Stripe Billing
Adyen vs Chargebee: FAQ
Do Adyen and Chargebee have a free plan?
Adyen has no free plan. Chargebee has no free plan.
Which is better for small businesses, Adyen or Chargebee?
Chargebee lists small businesses as a core audience, while Adyen is aimed more at enterprise and E-commerce.