Adyen vs Recurly
Adyen and Recurly are both payments & billing tools. Adyen is aimed at enterprise and E-commerce, while Recurly is aimed at enterprise.
Adyen
Enterprise payments platform for online, in-store and platform sales
Recurly
Subscription management for growing brands
| Pricing | Paid | Paid · $249 |
| Starting price | Not published | $249/mo |
| Free plan | No | No |
| Free trial | — | 90 days |
| Built for | Enterprise, E-commerce | Enterprise |
| Platforms | web | web |
| Country | NL · 2006 | US · 2009 |
| 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 Recurly if
Consumer and media subscription businesses.
- Strong failed payment recovery
- Good for consumer subscriptions
- Gateway flexibility
Look elsewhere if: Early SaaS (Stripe Billing).
Adyen vs Recurly 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
Recurly
- Starter$249/mo+0.9% of billing volume; first $40K/mo included
- All-AccessCustom<1% of billing volume; $1M volume minimum
- All-Access for ShopifyCustomRecurly integrated into Shopify
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
Recurly · Key features
- Subscription plans and promotions
- Revenue recovery and smart retries
- Multi-gateway support
- Subscription analytics
- Revenue recognition
- Gift and trial management
Cons
- Revenue-based fees
- Less popular with SaaS startups
- Implementation effort
Adyen vs Recurly: FAQ
Do Adyen and Recurly have a free plan?
Adyen has no free plan. Recurly has no free plan, a 90-day free trial.