Adyen vs Payten
Adyen and Payten are both payments & billing tools. Adyen is aimed at enterprise and E-commerce, while Payten is aimed at E-commerce and enterprise.
Enterprise payments platform for online, in-store and platform sales
Payment gateway and Paratika virtual POS for merchants in Türkiye
| Pricing | Paid | Paid |
| Starting price | Not published | Not published |
| Free plan | No | No |
| Free trial | — | — |
| Built for | Enterprise, E-commerce | E-commerce, Enterprise, Small businesses |
| Platforms | web | web |
| Country | NL · 2006 | PL |
| 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 Payten if
Turkish e-commerce companies, marketplaces and B2B sellers that want multi-bank virtual POS, installments and tokenization from a licensed provider.
- One integration and one contract reach many banks' virtual POS
- Paratika is a TCMB-licensed payment institution, with PCI DSS Level 1 and ISO 27001 listed
- Tokenization keeps card data out of the merchant's systems and reduces its compliance scope
Look elsewhere if: Small shops and developers who want public pricing and instant self-serve sign-up, or merchants without Turkish tax and signature documents.
Adyen vs Payten 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
Payten
- CustomCustomCommission offered per merchant; FAQ states no starting fee
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
Payten · Key features
- Paratika virtual POS covering many banks under one integration and one contract
- Payment Gateway with smart switching by rules and priorities across banks
- Card tokenization and one-click checkout that keep card data out of your systems
- Installments across nine card programs, including Axess, Bonus, Maximum and Paraf
- Marketplace model that holds buyer payments and pays sellers after order completion
- ParatikLink payment links for selling without a website, such as on Instagram
Cons
- No published rate card; commissions are offered per merchant
- Centred on Türkiye; virtual POS applications need a ready website plus Turkish tax and signature documents
- Paratika's site, FAQ and integration documentation are in Turkish
Adyen vs Payten: FAQ
Do Adyen and Payten have a free plan?
Adyen has no free plan. Payten has no free plan.
Which is better for small businesses, Adyen or Payten?
Payten lists small businesses as a core audience, while Adyen is aimed more at enterprise and E-commerce.