Adyen Alternatives: Stripe, Square, Noda

Please note that the information about the companies in this article was sourced from their respective websites as of June 2025. This information may be subject to change.

Adyen is a strong payment provider with global reach and sleek checkout tools, but it’s not for everyone. For smaller merchants, the pricing can feel complex or costly. Others need faster payouts, simpler setup, or better support for local and alternative payment methods.

In this article, we’ll look at the top Adyen alternatives—providers that offer different strengths, whether you're after lower fees, instant payouts, or easier integration. If you’re exploring Adyen alternative payment methods, you’re in the right place.

What Does Adyen Offer?

Adyen is a major player in global payments—you’ve likely seen their card readers in shops. But they do much more than in-store transactions. Their online payment offering is just as strong, and that’s what we’ll focus on here.

Adyen payment platform supports transactions across websites, apps, and online subscriptions. Its web payment gateway lets merchants create optimised checkouts with built-in payment methods tailored to the shopper’s location and channel. In the UK, for example, Adyen supports 22 online payment options, including cards, digital wallets, open banking, and buy-now-pay-later services.

Adyen’s Pricing

Adyen keeps pricing simple: no setup, monthly, or closure fees. However, there is a minimum monthly billing amount, which varies by business—so you’ll need to contact their sales team to confirm.

Merchants pay a flat fee per transaction, plus a variable fee based on the payment method. Extras like card readers are priced separately. Adyen is generally better suited for large, international businesses—not smaller merchants.

Read: How to Reduce Card Processing Fees

Best Adyen Alternatives 2025

Noda

Need a simpler, more cost-efficient way to accept online payments?

Noda is a company like Adyen designed with e-commerce and online merchants in mind. It supports card payments and pay-by-bank through open banking, making it fast, secure, and easy to use.

By avoiding card networks, Noda reduces costs, removes chargebacks, and delivers a faster, smoother checkout experience. Unlike Adyen, we focus on pay-by-bank and offer it across 28  countries, connecting to 2,000 banks in the UK and Europe. We also support multiple currencies—ideal for cross-border growth.

You can integrate card and open banking payments & payouts via API or use ready-made plugins for WooCommerce, OpenCart, Magento, and PrestaShop. Prefer no-code payments without a website or developer resource? Set up in minutes with payment links or QR codes.

We also offer streamlined website checkout, data enrichment, and much more.

How Pay-by-Bank Works

1. Your customer selects pay-by-bank at checkout
2. They choose their bank (Noda connects to 2,000+ banks across Europe and the UK)
3. They approve the payment in their banking app (Face ID, fingerprint, passcode)
4. You get paid—immediately

Why Merchants Switch to Noda’s Pay-by-Bank

• Fully regulated under PSD2 and built with secure, bank-grade APIs
• Pay-by-bank is already trusted by 14 million active UK users, especially Gen Z and Millennials
• Simple setup: e-commerce plugins, payment links, QR codes, or full Open Banking API
• If you still want card support, we also offer card payments with smart routing and fraud monitoring

At Noda, you get a dedicated personal manager to guide you every step of the way, during onboarding and after. Need help? They’re just a call, message, or email away, whenever you need them.

Noda’s Pricing

Noda doesn’t lock you into fixed pricing plans—we use transaction-based pricing starting as low as 0.1% per transaction.

With pay-by-bank (open banking), you can skip card processing fees altogether. Payments go straight from your customer’s bank to yours, cutting out expensive card networks and saving you money on interchange and scheme fees. It’s a smarter, more cost-efficient way to get paid.

2. Stripe

Stripe is a big player in the payments space and a major Adyen competitor, offering a broad set of tools for businesses online and offline. It also includes features for billing, managing funds, and automating financial tasks.

For online sales, Stripe’s Optimised Checkout Suite provides a hosted checkout, flexible payment options, and support for over 100 payment methods. It also includes Link, a one-click checkout tool, and lets you send easy-to-share payment links.

Stripe supports outbound payments (or payouts) too. You can create recipient profiles, handle one-off or recurring payouts, and track how they perform. It’s a strong choice for platforms like marketplaces, fintech apps, e-commerce brands, and insurers.

Stripe Fees

Stripe’s pricing isn’t always straightforward, mainly because it offers a wide range of online payment features. There’s no charge for using Stripe Checkout itself, but you will pay transaction and service fees depending on what you use.

Stripe’s Transaction Fees

Read: How to Reduce Card Processing Fees

Stripe also charges extra fees for services beyond standard transactions. Instant payouts cost 1%, while local payouts are £1.50. Global payouts include that plus cross-border (from 0.25%) and FX fees (from 2%). Chargebacks and disputes are £20 each, and smart dispute handling takes 30% of the disputed amount.

For up-to-date Stripe’s fee breakdown, please visit the provider's website.

3. Square

Square offers services like Adyen, but it’s actually best known for its point-of-sale systems used in shops, cafés, and other in-person businesses. But there’s more to it. With Square, you can create an online store, run email marketing, launch loyalty programmes, manage your team, apply for business loans, and even get a Square business card.

Square Online lets you sell through a website, social media, or by adding it to your current site. Developers can use Square’s APIs and tools to build custom setups. Merchants can also send invoices, take card payments, and track transactions with Square. They can also a checkout link by text or email—their customer pays using Apple Pay, Google Pay, Clearpay, or a card.

Square Payouts arrive the next day, or instantly if you’re happy to pay a 1.5% fee.

One disadvantage of Square is that it doesn’t cover a very wide coverage of the EU. It’s only available in the UK, Ireland, France and Spain. Merchants who need access to the wider EU market will find Square coverage limiting.

Square Fees

Square works on a freemium model. There's a free plan (processing fees still apply), and a paid plan for £29/month, also excluding processing costs.

Since Square focuses mostly on in-person sales and keeps its payment options simple, its fees are easy to understand. The rates below apply when customers buy through Square’s Online Store, Checkout links, or eCommerce API.

Which Provider Is a Better Fit for My Business?

Choosing the right payment provider really depends on your business size, goals, and what kind of payment experience you want to offer your customers. Here's a quick breakdown to help you decide.

• For online businesses that want lower costs, instant payments, and better UX

If you’re tired of high card fees or dealing with chargebacks, Noda is a smart Adyen alternative for e-commerce and other online businesses.

It’s built around pay-by-bank (open banking), which skips the card networks entirely, so you save money and get paid instantly. Noda connects to 2,000 banks across 28 countries in the EU and the UK, making it a reliable Adyen alternative for international payments. It’s also easy to set up, with no-code options like payment links and QR codes.

• For fast-growing online businesses that need a lot of features and flexibility

Stripe is great if you're scaling quickly and want advanced tools. It supports over 100 payment methods, handles recurring billing, and offers one-click checkout. It’s ideal for platforms and fintech brands with more complex needs, but keep in mind the extra fees can add up.

• For in-person retailers who also want to sell online

If you have a physical store and want a simple, all-in-one setup for both offline and online payments, Square is a solid pick. You can use their POS hardware, create an online shop, send invoices, and track everything in one place.