Adyen vs Affirm
Side-by-side comparison
| Adyen | Affirm | |
|---|---|---|
| Product | Adyen | Affirm |
| Category | Payment Processing | Payment Processing |
| What it does | Unified payments, data insights, and financial products on one global platform | Offer flexible payments to customers, boost sales, and get paid upfront. |
| Pricing model | Usage-Based | Usage-Based |
| Starting price | €0.10-0.15/transaction + interchange | ~6% + $0.30/transaction |
| Free trial | Yes | No |
| Target company size | Enterprise | SMB, Mid-Market, Enterprise |
| Deployment | Cloud/SaaS | Cloud/SaaS |
| Integrations | Salesforce, SAP, Oracle, Magento, Shopify Plus | Shopify, WooCommerce, BigCommerce, Salesforce Commerce Cloud |
| API available | Yes | Yes |
| Certifications | PCI DSS Level 1 (Service Provider, v4.0), SOC 2 Type II, SOC 1 / ISAE 3402, ISO 27001 | PCI DSS |
About Adyen
Adyen is an enterprise-grade financial technology platform that lets businesses accept and manage online, in-person, and omnichannel payments, with built-in risk management, reporting, and settlement tooling. It’s used by global digital-first companies, retailers, and platforms/marketplaces that need a single integration and contract to scale across countries, payment methods, and channels. Busine
Use cases: Enterprise omnichannel payments across ecommerce and in-store with unified reporting, Global expansion using local acquiring and local payment methods via one integration, Fraud prevention and conversion optimization using rules + machine learning risk decisioning, Dispute and chargeback management with analytics to improve win rates and reduce fraud notifications, Finance reconciliation and payout tracking from sales through settlement batches and payouts
About Affirm
Affirm is a leading Buy Now, Pay Later (BNPL) platform that empowers consumers to pay for purchases over time with transparent, flexible payment options, including interest-free installments. It serves merchants of all sizes, enabling them to increase average order value, conversion rates, and customer loyalty by removing price as a barrier. Affirm differentiates itself through its advanced AI/ML-
Use cases: Increasing average order value and conversion rates for online and in-store merchants., Providing flexible, transparent payment options for consumers for high-ticket purchases., Improving customer loyalty and repeat purchases through a positive payment experience., Managing merchant cash flow by receiving full payment upfront while Affirm handles consumer installments., Mitigating credit and fraud risk for merchants by Affirm assuming the risk.