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FedNow

FedNow

US Real-Time Payments

VS

Adyen

Platforms & Marketplaces

Adyen
Fees from
$0.045 per PACS.008 credit transfer; $0.01 per request for payment; $25/RTN/month participation fee (waived in 2026) vs Interchange + + $0.3
Features

2 shared

1 unique to Adyen
Regions

1 shared

7 unique to Adyen
Pay methods

1 shared

36 unique to Adyen
On licensing

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Show full specs
3 features · 37 payment methods · 8 regions. We don't rank these — they're here for reference.
FedNow FedNow
Adyen Adyen
Quick Facts
Fees
Standard transaction rate
$0.045 per PACS.008 credit transfer; $0.01 per request for payment; $25/RTN/month participation fee (waived in 2026)
Interchange + + $0.3
Settlement
Time to receive funds
Instant
1–3 business days
Founded
2023
2006
Headquarters
Washington, DC, United States
Amsterdam, Netherlands
Sandbox / Test Mode
✓
✓
Webhook Support
—
✓
Features
Adyen leads (3 vs 2)
Enterprise
✓
✓
Instant Payout
✓
✓
Recurring Payments Unique
—
✓
Payment Methods
Adyen leads (37 vs 1)
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 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 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

FedNow is best when you...

US Real-Time Payments
View FedNow

Adyen is best when you...

Platforms & Marketplaces
Need Recurring Payments
Not available with FedNow
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Oceania, Southeast Asia
FedNow doesn't cover these regions
View Adyen

Frequently Asked Questions

What is the difference between FedNow and Adyen?
They share 1 payment method and 1 region. Adyen adds ACH, Affirm, Afterpay and 33 more that FedNow does not list; Adyen also covers Africa, Asia and 5 more; only Adyen offers Recurring Payments.
Which is cheaper, FedNow or Adyen?
FedNow has published rates from $0.045 per PACS.008 credit transfer; $0.01 per request for payment; $25/RTN/month participation fee (waived in 2026); 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 FedNow and Adyen?
FedNow lists 1 region and 1 payment method; Adyen lists 8 and 37. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do FedNow and Adyen compare on integration and settlement?
both offer a sandbox; Adyen supports webhooks; FedNow settles in Instant, Adyen in 1–3 business days.

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