Payoneer

Payoneer

Freelancer Payments

VS

Adyen

Platforms & Marketplaces

Adyen
Fees from
3.99% + $0.49 vs Interchange + + $0.3
Features

2 shared

1 unique to Payoneer · 1 unique to Adyen
Regions

5 shared

3 unique to Adyen
Pay methods

5 shared

1 unique to Payoneer · 32 unique to Adyen
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
4 features · 38 payment methods · 8 regions. We don't rank these — they're here for reference.
Payoneer Payoneer
Adyen Adyen
Quick Facts
Fees
Standard transaction rate
3.99% + $0.49
Interchange + + $0.3
Settlement
Time to receive funds
2–7 business days
1–3 business days
Founded
2005
2006
Headquarters
New York City, New York, United States
Amsterdam, Netherlands
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise
✓
✓
Instant Payout
✓
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Adyen leads (37 vs 6)
Ach
✓
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bancontact Unique
—
✓
Bank Transfer
✓
✓
Blik Unique
—
✓
Boleto Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Digital Wallet
✓
✓
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
—
✓
Wire Transfer Unique
✓
—
Regions
Adyen leads (8 vs 5)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Payoneer is best when you...

Freelancer Payments
Need Startup Friendly
Not available with Adyen
View Payoneer

Adyen is best when you...

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

Frequently Asked Questions

What is the difference between Payoneer and Adyen?
They share 5 payment methods and 5 regions. Payoneer adds Wire Transfer that Adyen does not list; Adyen adds Affirm, Afterpay, Alipay and 29 more that Payoneer does not list; Adyen also covers Middle East, Oceania and 1 more; only Payoneer offers Startup Friendly.
Which is cheaper, Payoneer or Adyen?
Payoneer has published rates from 3.99% + $0.49; 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 Payoneer and Adyen?
Payoneer lists 5 regions and 6 payment methods; Adyen lists 8 and 37. both cover Africa, Asia, Europe and 2 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Payoneer and Adyen compare on integration and settlement?
both offer a sandbox; both support webhooks; Payoneer settles in 2–7 business days, Adyen in 1–3 business days.

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