Adyen vs Lidio

Adyen is a global payments company founded in Amsterdam in 2006 by Pieter van der Does and Arnout Schuijff, and listed on Euronext Amsterdam since 2018. Adyen runs its own acquiring, processing and risk stack in one system, so a merchant gets one contract and one report for card payments, local payment methods and in-store terminals across many countries. Customers include Uber, Microsoft, eBay and OpenAI.

The platform covers online checkout through Drop-in and Components SDKs, point-of-sale terminals, Tap to Pay on phones, RevenueProtect fraud scoring, network tokenization, payouts, and Adyen for Platforms for marketplaces that onboard and pay sub-merchants. Pricing is published and usage-based: a fixed $0.13 processing fee per transaction plus a payment method fee, such as Interchange++ plus 0.60% for Visa and Mastercard. There are no setup or monthly fees, though a minimum invoice can apply depending on industry.

Adyen fits large retailers, travel and mobility companies, and marketplaces processing high volumes across several regions, where unified data and acquiring margins matter. It is a poor fit for small shops: onboarding is sales-led, integration needs developers, and support is tuned for enterprise accounts. Stripe is easier for startups and SaaS billing, PayPal brings consumer wallet reach, and Square suits small in-person sellers.

Adyen keeps growing: H1 2026 net revenue was about EUR 1.3 billion, up 19% year on year, and in July 2026 it completed the acquisitions of Talon.One (loyalty and promotions) and Orb (usage-based billing).

Lidio is a payment orchestration platform run by Lidio Ödeme Hizmetleri A.Ş., an Istanbul-based payment institution licensed by the Central Bank of the Republic of Türkiye (TCMB). It grew out of the online payment platform Mobilexpress and is led by co-founder and CEO Emre Güzer. Its core job is to connect a merchant to many banks and payment institutions through one API, so payments can be collected, routed and stored in a single place.

Merchants can use Lidio's own virtual POS under one contract and start taking payments within about 24 hours, or route through their existing bank POS agreements. Smart routing retries failed transactions on another POS in milliseconds. Other modules cover card tokenization, the Lidio Pass one-click wallet, AI-assisted fraud screening, marketplace payouts with escrow, bulk payouts, B2B dealer collections with ERP links, pay-by-link, recurring billing, instant bank transfer and split payments. Pricing is commission-based and quoted after application.

Lidio fits mid-sized and large Turkish merchants, marketplaces and multinationals entering Türkiye that need multi-bank routing. Small shops with one POS may find iyzico or PayTR simpler to start with, and Craftgate is the closest orchestration rival. With no public price list, compare offers.

Recent development: Lidio is authorised by TCMB for cross-border collections and partners with Worldline and dLocal. It reported over $4 billion in 2024 volume and says it stores 60 million+ cards and handles 16 million+ transactions a month. Shopify, WooCommerce and OpenCart plugins speed up setup.