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OnPay

OnPay

Small Business Payroll

VS

Adyen

Platforms & Marketplaces

Adyen
Fees from
$40/month + $6/person vs Interchange + + $0.3
Features

1 shared

1 unique to OnPay · 2 unique to Adyen
Regions

1 shared

7 unique to Adyen
Pay methods

1 shared

1 unique to OnPay · 36 unique to Adyen

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4 features · 38 payment methods · 8 regions. We don't rank these — they're here for reference.
OnPay OnPay
Adyen Adyen
Quick Facts
Fees
Standard transaction rate
$40/month + $6/person
Interchange + + $0.3
Settlement
Time to receive funds
—
1–3 business days
Founded
2007
2006
Headquarters
Atlanta, Georgia
Amsterdam, Netherlands
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Adyen leads (3 vs 2)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
Adyen leads (37 vs 2)
Ach
✓
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bancontact Unique
—
✓
Bank Transfer Unique
—
✓
Blik Unique
—
✓
Boleto Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Diners Unique
—
✓
Direct Deposit 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
—
✓

OnPay is best when you...

Small Business Payroll
Need Startup Friendly
Not available with Adyen
View OnPay

Adyen is best when you...

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

Frequently Asked Questions

What is the difference between OnPay and Adyen?
They share 1 payment method and 1 region. OnPay adds Direct Deposit that Adyen does not list; Adyen adds Affirm, Afterpay, Alipay and 33 more that OnPay does not list; Adyen also covers Africa, Asia and 5 more; only OnPay offers Startup Friendly.
Which is cheaper, OnPay or Adyen?
OnPay has published rates from $40/month + $6/person; 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 OnPay and Adyen?
OnPay lists 1 region and 2 payment methods; 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 OnPay and Adyen compare on integration and settlement?
Adyen offers a sandbox, OnPay does not list one; Adyen supports webhooks; Adyen publishes a settlement time of 1–3 business days.

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