Payability

Payability

Amazon Seller Financing

VS

Adyen

Platforms & Marketplaces

Adyen
Fees from
2% of sales for instant access vs Interchange + + $0.3
Features

1 shared

2 unique to Adyen
Regions

1 shared

7 unique to Adyen
Pay methods

2 shared

35 unique to Adyen
On payment methods

Adyen supports 37 payment methods, 35 more than Payability. Verify directly with each provider before signing.

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3 features · 37 payment methods · 8 regions. We don't rank these — they're here for reference.
Payability Payability
Adyen Adyen
Quick Facts
Fees
Standard transaction rate
2% of sales for instant access
Interchange + + $0.3
Settlement
Time to receive funds
Next business day
1–3 business days
Founded
2015
2006
Headquarters
New York, New York
Amsterdam, Netherlands
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Adyen leads (3 vs 1)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Recurring Payments 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
—
✓
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
✓
✓
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
—
✓

Payability is best when you...

Amazon Seller Financing
View Payability

Adyen is best when you...

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

Frequently Asked Questions

What is the difference between Payability and Adyen?
They share 2 payment methods and 1 region. Adyen adds Affirm, Afterpay, Alipay and 32 more that Payability does not list; Adyen also covers Africa, Asia and 5 more; only Adyen offers Enterprise, Recurring Payments.
Which is cheaper, Payability or Adyen?
Payability has published rates from 2% of sales for instant access; 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 Payability and Adyen?
Payability 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 Payability and Adyen compare on integration and settlement?
Adyen offers a sandbox, Payability does not list one; Adyen supports webhooks; Payability settles in Next business day, 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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