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Wise

Wise

International Transfers

VS

Adyen

Platforms & Marketplaces

Adyen
Fees from
0.4-2% (varies by currency) vs Interchange + + $0.3
Features

2 shared

3 unique to Wise · 1 unique to Adyen
Regions

5 shared

3 unique to Adyen
Pay methods

9 shared

2 unique to Wise · 28 unique to Adyen
On payment methods

Adyen supports 37 payment methods, 26 more than Wise. Verify directly with each provider before signing.

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6 features · 39 payment methods · 8 regions. We don't rank these — they're here for reference.
Wise Wise
Adyen Adyen
Quick Facts
Fees
Standard transaction rate
0.4-2% (varies by currency)
Interchange + + $0.3
Settlement
Time to receive funds
1–2 business days
1–3 business days
Founded
2011
2006
Headquarters
London, United Kingdom
Amsterdam, Netherlands
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Wise leads (5 vs 3)
Enterprise
✓
✓
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Adyen leads (37 vs 11)
Ach
✓
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Bank Transfer
✓
✓
Blik Unique
—
✓
Boleto Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Digital Wallet Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Faster Payments Unique
✓
—
Google Pay
✓
✓
Grabpay Unique
—
✓
Ideal Unique
—
✓
Interac Unique
—
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Maestro Unique
—
✓
Mastercard
✓
✓
Mobile Payment Unique
—
✓
Multibanco Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Real Time Payments Unique
—
✓
Sepa
✓
✓
Sepa Direct Debit Unique
—
✓
Sofort Unique
—
✓
Swift Unique
✓
—
Swish Unique
—
✓
Trustly Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Voucher Unique
—
✓
Wechat Pay Unique
—
✓
Regions
Adyen leads (8 vs 5)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania
✓
✓
Southeast Asia Unique
—
✓

Wise is best when you...

International Transfers
Need Instant Sandbox
Not available with Adyen
Need Low Fees
Not available with Adyen
View Wise

Adyen is best when you...

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

Frequently Asked Questions

What is the difference between Wise and Adyen?
They share 9 payment methods and 5 regions. Wise adds Faster Payments, SWIFT that Adyen does not list; Adyen adds Affirm, Afterpay, Alipay and 25 more that Wise does not list; Adyen also covers Africa, Middle East and 1 more; only Wise offers Instant Sandbox, Low Fees and 1 more.
Which is cheaper, Wise or Adyen?
Wise has published rates from 0.4-2% (varies by currency); 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 Wise and Adyen?
Wise lists 5 regions and 11 payment methods; Adyen lists 8 and 37. both cover Asia, Europe, Latin America and 2 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Wise and Adyen compare on integration and settlement?
both offer a sandbox; both support webhooks; Wise settles in 1–2 business days, 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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