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
| 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 |
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
- Work out your real effective rate from one month of statements.
- Compare it against both providers at your own average ticket using the Adyen fee calculator.
- Multiply the annual difference. If it is small, decide on capability instead — it will matter more than the rate.
- 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. For an honest account of where each alternative beats us, see Paydude alternatives.
GOOD QUESTIONS
Frequently asked
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.