Adyen vs Sipay
Adyen and Sipay are both payments & billing tools. Adyen is aimed at enterprise and E-commerce, while Sipay is aimed at small businesses and E-commerce.
Enterprise payments platform for online, in-store and platform sales
Virtual POS, payments and wallet from a licensed Turkish e-money firm
| Pricing | Paid | Paid |
| Starting price | Not published | Not published |
| Free plan | No | No |
| Free trial | — | — |
| Built for | Enterprise, E-commerce | Small businesses, E-commerce, Enterprise |
| Platforms | web | web, ios, android |
| Country | NL · 2006 | TR |
| 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 Sipay if
Turkish merchants comparing payment providers.
- Licensed e-money institution
- Installments supported
- Marketplace features
Look elsewhere if: Businesses selling mainly outside Turkey.
Adyen vs Sipay 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
Sipay
- CustomCustomMerchant commission agreed per merchant
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
Sipay · Key features
- Virtual POS and 3D Secure
- Installment payments
- Payment links
- Marketplace and sub-merchant payments
- E-commerce plugins and API
- Digital wallet
Cons
- Turkey-focused
- Commission rates vary by agreement
- Smaller developer community than iyzico
Adyen vs Sipay: FAQ
Do Adyen and Sipay have a free plan?
Adyen has no free plan. Sipay has no free plan.
Which is better for small businesses, Adyen or Sipay?
Sipay lists small businesses as a core audience, while Adyen is aimed more at enterprise and E-commerce.