ifthenpay
Portuguese businesses that want to accept local methods such as MULTIBANCO references, MB WAY and Payshop alongside cards, online or on POS terminals, without monthly fees.
VS
Adyen
Platforms & Marketplaces
Fees from
Online: MB WAY 0.07€ + 0.7%; Multibanco 0.20€ + 1.5%; Payshop 0.57€; Credit Card 0.20€ + 1.5% (Credit Card Consumer, The European Economic Area); Direct Debits 0.45€; Google Pay 0.20€ + 1.5%; Apple Pay 0.20€ + 1.5%; Pix 0.20€ + 3.5% (Real/Euro exchange costs included). POS: 0.7% for each effective payment (Credit Card consumer, EEA); 12€ Monthly Rental (installation, assistance and mobile data included). Membership Fees 0 €; Unpaid References 0 €; Refund Requests 0 €. VAT at the legal rate in force applies. vs Interchange + + $0.3
Features
0 shared
3 unique to Adyen
Regions
0 shared
8 unique to Adyen
Pay methods
6 shared
2 unique to ifthenpay · 31 unique to Adyen
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Show full specs 3 features · 39 payment methods · 8 regions. We
don't rank these — they're here for reference.
Show full specs
3 features · 39 payment methods · 8 regions. We
don't rank these — they're here for reference.
ifthenpay AdyenQuick Facts
Fees
Standard transaction rate
Online: MB WAY 0.07€ + 0.7%; Multibanco 0.20€ + 1.5%; Payshop 0.57€; Credit Card 0.20€ + 1.5% (Credit Card Consumer, The European Economic Area); Direct Debits 0.45€; Google Pay 0.20€ + 1.5%; Apple Pay 0.20€ + 1.5%; Pix 0.20€ + 3.5% (Real/Euro exchange costs included). POS: 0.7% for each effective payment (Credit Card consumer, EEA); 12€ Monthly Rental (installation, assistance and mobile data included). Membership Fees 0 €; Unpaid References 0 €; Refund Requests 0 €. VAT at the legal rate in force applies.
Interchange + + $0.3
Settlement
Time to receive funds
Receive the paid amounts daily, minus commissions
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 8)
Adyen leads (37 vs 8)Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Bank Transfer Unique
—
✓
Blik Unique
—
✓
Boleto Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Diners Unique
—
✓
Direct Debit Unique
✓
—
Discover Unique
—
✓
Google Pay
✓
✓
Grabpay Unique
—
✓
Ideal Unique
—
✓
Interac Unique
—
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Maestro Unique
—
✓
Mastercard
✓
✓
Mb Way Unique
✓
—
Mobile Payment Unique
—
✓
Multibanco
✓
✓
Paypal Unique
—
✓
Pix
✓
✓
Real Time Payments Unique
—
✓
Sepa Unique
—
✓
Sepa Direct Debit Unique
—
✓
Sofort Unique
—
✓
Swish Unique
—
✓
Trustly Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
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
—
✓
ifthenpay is best when you...
Portuguese businesses that want to accept local methods such as MULTIBANCO references, MB WAY and Payshop alongside cards, online or on POS terminals, without monthly fees.
Adyen is best when you...
Platforms & Marketplaces
Need Enterprise
Not available with ifthenpay
Need Instant Payout
Not available with ifthenpay
Want coverage in Africa, Asia, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
ifthenpay doesn't cover these regions
Frequently Asked Questions
What is the difference between ifthenpay and Adyen?
They share 6 payment methods and 0 regions. ifthenpay adds Direct Debit, MB WAY that Adyen does not list; Adyen adds ACH, Affirm, Afterpay and 28 more that ifthenpay does not list; Adyen also covers Africa, Asia and 6 more; only Adyen offers Enterprise, Instant Payout and 1 more.
Which is cheaper, ifthenpay or Adyen?
ifthenpay has published rates from Online: MB WAY 0.07€ + 0.7%; Multibanco 0.20€ + 1.5%; Payshop 0.57€; Credit Card 0.20€ + 1.5% (Credit Card Consumer, The European Economic Area); Direct Debits 0.45€; Google Pay 0.20€ + 1.5%; Apple Pay 0.20€ + 1.5%; Pix 0.20€ + 3.5% (Real/Euro exchange costs included). POS: 0.7% for each effective payment (Credit Card consumer, EEA); 12€ Monthly Rental (installation, assistance and mobile data included). Membership Fees 0 €; Unpaid References 0 €; Refund Requests 0 €. VAT at the legal rate in force applies.; 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 ifthenpay and Adyen?
ifthenpay lists 0 regions and 8 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 ifthenpay and Adyen compare on integration and settlement?
Adyen offers a sandbox, ifthenpay does not list one; Adyen supports webhooks; ifthenpay settles in Receive the paid amounts daily, minus commissions, Adyen in 1–3 business days.
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