# Paydude vs Adyen

URL: https://www.paydude.io/resources/paydude-vs-adyen
Type: Guide
Published: 2026-09-05 · Updated: 2026-09-05
Summary: Paydude at 2.6% + 25¢ against Adyen at interchange + markup + 13¢. What each does better, and the cases where Adyen is the right choice.

## Summary

Paydude is varies lower than Adyen on published domestic card rates. Adyen is not aimed at smaller merchants. If you are under roughly $1M a year, published flat pricing with no negotiation and no minimums is usually both cheaper in practice and far less work. Choose Adyen when you are large and global enough for interchange-plus with local acquiring. Compare on effective rate at your own ticket size, not on headline percentages.

Both are card processors with published flat pricing, so the rate comparison is straightforward. What matters more is where the two products differ in shape — and Adyen does several things we do not.

## Published rates

**Standard published rates for domestic online cards, September 2026**

|  | Paydude | Adyen |
| --- | --- | --- |
| Card rate | 2.6% (falling to 2.5%) | interchange + markup |
| Fixed fee | 25¢ (falling to 15¢) | 13¢ |
| Monthly platform fee | $0 | $0 |
| Subscriptions | No extra percentage | Priced separately |
| Chargeback fee | $12 | $15–$25 typical |

> **Verify before deciding:** These are published list prices as of September 2026. Rates change, and Adyen may quote you something different. If you already process payments, your own statement is a better source than any published figure.

## What Adyen does better

Adyen prices on interchange-plus with local acquiring across many markets. At genuine scale with international volume, that combination is difficult to beat and is a different class of product from flat-rate processing.

## Choose Adyen when

You are large and global. Interchange-plus at volume with local acquiring typically beats any flat rate, and Adyen is built for finance teams that can reconcile it.

## Choose Paydude when

Adyen is not aimed at smaller merchants. If you are under roughly $1M a year, published flat pricing with no negotiation and no minimums is usually both cheaper in practice and far less work.

## How to decide

1. Work out your real [effective rate](https://www.paydude.io/resources/tools/effective-rate-calculator) from one month of statements.
2. Compare it against both providers at your own average ticket using the [Adyen fee calculator](https://www.paydude.io/resources/tools/adyen-fee-calculator).
3. Multiply the annual difference. If it is small, decide on capability instead — it will matter more than the rate.
4. Check whether you need anything only one provider offers. That settles it faster than any comparison table.

For every major provider side by side, see the [payment processor fee comparison](https://www.paydude.io/resources/payment-processor-fee-comparison). For an honest account of where each alternative beats us, see [Paydude alternatives](https://www.paydude.io/resources/paydude-alternatives).

**Run it on your own numbers** Published rates and a calculator that uses your volume and ticket size. — [Open the calculator](https://www.paydude.io/resources/tools/paydude-vs-adyen-fee-calculator)

## Frequently asked questions

### Is Paydude cheaper than Adyen?

On published standard rates for domestic cards, Paydude is varies lower than Adyen's interchange + markup + 13¢. Whether that translates into a meaningful saving depends on your volume and average transaction size — multiply the gap by your annual volume before deciding.

### When should I choose Adyen instead?

You are large and global. Interchange-plus at volume with local acquiring typically beats any flat rate, and Adyen is built for finance teams that can reconcile it.

### Can I switch from Adyen to Paydude?

Switching processors means migrating stored payment tokens, which are specific to the provider that issued them. Most major providers will run a PCI-compliant migration of the underlying card data. Confirm that path exists before committing, since it is the main technical obstacle to any processor change.

### Where do these rates come from?

Both figures are the publicly published standard rates for domestic card payments as of September 2026. Neither is a negotiated or promotional rate, and Adyen may quote you something different from its list price.