Etapay
Companies that need a business euro account with SEPA payments for their day-to-day EUR operations.
VS
Adyen
Platforms & Marketplaces
Fees from
Two-tier pricing (Tier 1 / Tier 2): Account opening fee €300 / €750; Document review fee (up to 10 working days) €250 / €750; Expedited document review (up to 2 working days) €500 / €1,000; Monthly fee for Current Account maintenance €50 / €200; Closing a Current Account €100 / €150; Dormant account fee €200 / €200; Incoming SEPA payments (Credit and Instant) €0 / 0.5% (min 5 EUR); Outgoing SEPA Transfer (Credit and Instant) up to €5,000 €1 / 0.5% (min 5 EUR); above €5000 up to €50,000 €5 / 0.5%; over €50,000 €10 / 0.5%; Internal transfer and Transfer within Etapay network €0; Yearly fee for holding funds (if the account balance ≥ €50,000 for Tier 1 or ≥ €30,000 for Tier 2), charged monthly 0.7% per annum. vs Interchange + + $0.3
Features
0 shared
3 unique to Adyen
Regions
0 shared
8 unique to Adyen
Pay methods
2 shared
1 unique to Etapay · 35 unique to Adyen
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Show full specs 3 features · 38 payment methods · 8 regions. We
don't rank these — they're here for reference.
Show full specs
3 features · 38 payment methods · 8 regions. We
don't rank these — they're here for reference.
Etapay AdyenQuick Facts
Fees
Standard transaction rate
Two-tier pricing (Tier 1 / Tier 2): Account opening fee €300 / €750; Document review fee (up to 10 working days) €250 / €750; Expedited document review (up to 2 working days) €500 / €1,000; Monthly fee for Current Account maintenance €50 / €200; Closing a Current Account €100 / €150; Dormant account fee €200 / €200; Incoming SEPA payments (Credit and Instant) €0 / 0.5% (min 5 EUR); Outgoing SEPA Transfer (Credit and Instant) up to €5,000 €1 / 0.5% (min 5 EUR); above €5000 up to €50,000 €5 / 0.5%; over €50,000 €10 / 0.5%; Internal transfer and Transfer within Etapay network €0; Yearly fee for holding funds (if the account balance ≥ €50,000 for Tier 1 or ≥ €30,000 for Tier 2), charged monthly 0.7% per annum.
Interchange + + $0.3
Settlement
Time to receive funds
—
1–3 business days
Founded
—
2006
Headquarters
—
Amsterdam, Netherlands
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features Adyen leads (3 vs 0)
Adyen leads (3 vs 0)Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods Adyen leads (37 vs 3)
Adyen leads (37 vs 3)Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bancontact Unique
—
✓
Bank Transfer
✓
✓
Blik Unique
—
✓
Boleto Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Grabpay Unique
—
✓
Ideal 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
✓
✓
Sepa Direct Debit Unique
—
✓
Sepa Instant Unique
✓
—
Sofort Unique
—
✓
Swish Unique
—
✓
Trustly Unique
—
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Voucher Unique
—
✓
Wechat Pay Unique
—
✓
Regions Adyen leads (8 vs 0)
Adyen leads (8 vs 0)Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓
Etapay is best when you...
Companies that need a business euro account with SEPA payments for their day-to-day EUR operations.
Adyen is best when you...
Platforms & Marketplaces
Need Enterprise
Not available with Etapay
Need Instant Payout
Not available with Etapay
Want coverage in Africa, Asia, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
Etapay doesn't cover these regions
Frequently Asked Questions
What is the difference between Etapay and Adyen?
They share 2 payment methods and 0 regions. Etapay adds SEPA Instant that Adyen does not list; Adyen adds ACH, Affirm, Afterpay and 32 more that Etapay does not list; Adyen also covers Africa, Asia and 6 more; only Adyen offers Enterprise, Instant Payout and 1 more.
Which is cheaper, Etapay or Adyen?
Etapay has published rates from Two-tier pricing (Tier 1 / Tier 2): Account opening fee €300 / €750; Document review fee (up to 10 working days) €250 / €750; Expedited document review (up to 2 working days) €500 / €1,000; Monthly fee for Current Account maintenance €50 / €200; Closing a Current Account €100 / €150; Dormant account fee €200 / €200; Incoming SEPA payments (Credit and Instant) €0 / 0.5% (min 5 EUR); Outgoing SEPA Transfer (Credit and Instant) up to €5,000 €1 / 0.5% (min 5 EUR); above €5000 up to €50,000 €5 / 0.5%; over €50,000 €10 / 0.5%; Internal transfer and Transfer within Etapay network €0; Yearly fee for holding funds (if the account balance ≥ €50,000 for Tier 1 or ≥ €30,000 for Tier 2), charged monthly 0.7% per annum.; 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 Etapay and Adyen?
Etapay lists 0 regions and 3 payment methods; Adyen lists 8 and 37. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Etapay and Adyen compare on integration and settlement?
Adyen offers a sandbox, Etapay does not list one; Adyen supports webhooks; Adyen publishes a settlement time of 1–3 business days.
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