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Affirm

Affirm

Installment Loans

VS

Adyen

Platforms & Marketplaces

Adyen
Fees from
~6% + $0.30 vs Interchange + + $0.3
Features

1 shared

2 unique to Adyen
Regions

2 shared

6 unique to Adyen
Pay methods

3 shared

2 unique to Affirm · 34 unique to Adyen
On fees

Affirm publishes ~6% + $0.30 from. Adyen publishes Interchange + + $0.3 from. Verify directly with each provider before signing.

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3 features · 39 payment methods · 8 regions. We don't rank these — they're here for reference.
Affirm Affirm
Adyen Adyen
Quick Facts
Fees
Standard transaction rate
~6% + $0.30
Interchange + + $0.3
Settlement
Time to receive funds
1–3 business days
1–3 business days
Founded
2012
2006
Headquarters
San Francisco, California
Amsterdam, Netherlands
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Adyen leads (3 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Recurring Payments
✓
✓
Payment Methods
Adyen leads (37 vs 5)
Ach Unique
—
✓
Affirm
✓
✓
Afterpay Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Bank Transfer Unique
—
✓
Blik Unique
—
✓
Bnpl Unique
✓
—
Boleto Unique
—
✓
Credit Card Unique
—
✓
Debit Card
✓
✓
Digital Wallet Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Grabpay Unique
—
✓
Ideal Unique
—
✓
Installments Unique
✓
—
Interac Unique
—
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Maestro Unique
—
✓
Mastercard Unique
—
✓
Mobile Payment Unique
—
✓
Multibanco Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Real Time Payments Unique
—
✓
Sepa Unique
—
✓
Sepa Direct Debit Unique
—
✓
Sofort Unique
—
✓
Swish Unique
—
✓
Trustly Unique
—
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Voucher Unique
—
✓
Wechat Pay Unique
—
✓
Regions
Adyen leads (8 vs 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Affirm is best when you...

Installment Loans
View Affirm

Adyen is best when you...

Platforms & Marketplaces
Need Enterprise
Not available with Affirm
Need Instant Payout
Not available with Affirm
Want coverage in Africa, Asia, Latin America, Middle East, Oceania, Southeast Asia
Affirm doesn't cover these regions
View Adyen

Frequently Asked Questions

What is the difference between Affirm and Adyen?
They share 3 payment methods and 2 regions. Affirm adds Buy Now Pay Later, Installments that Adyen does not list; Adyen adds ACH, Afterpay, Alipay and 31 more that Affirm does not list; Adyen also covers Africa, Asia and 4 more; only Adyen offers Enterprise, Instant Payout.
Which is cheaper, Affirm or Adyen?
Affirm has published rates from ~6% + $0.30; Adyen has published rates from Interchange + + $0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Affirm and Adyen?
Affirm lists 2 regions and 5 payment methods; Adyen lists 8 and 37. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Affirm and Adyen compare on integration and settlement?
both offer a sandbox; both support webhooks; Affirm settles in 1–3 business days, Adyen in 1–3 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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