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Head-to-head · Mobile Credit Card Processing Software

Stripe Terminal vs Adyen

  • Updated Oct 2026
  • Both researched from official sources
  • 3 checks side by side
Higher score Stripe Terminal #1 in Mobile Credit Card Processing Software 9.3/10 Paid ✓ 2 of 3 features Visit Stripe
Adyen #3 in Mobile Credit Card Processing Software 8.9/10 From $0.13 ✓ 0 of 3 features Visit Adyen

Stripe Terminal leads on 0 checks, Adyen on 0, and 3 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreStripe Terminal · 9.3/10
  • Most featuresStripe Terminal · 2 of 3

Stripe Terminal scores higher on our rubric for mobile credit card processing software: 9.3 against 8.9 out of 10; our editors rank them #1 and #3.

Stripe Terminal is the better fit for businesses building custom mobile payment flows. Adyen is the better fit for global businesses needing integrated mobile payments.

  • Stripe Terminal fits best

    Businesses building custom mobile payment flows

  • Adyen fits best

    Global businesses needing integrated mobile payments

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Side by side

Feature Stripe Terminal 9.3/10 Visit ↗ Adyen 8.9/10 Visit ↗
At a glance
Editor score 9.3 8.9
Ranking #1 in Mobile Credit Card Processing Software #3 in Mobile Credit Card Processing Software
Best for Businesses building custom mobile payment flows Global businesses needing integrated mobile payments
Pricing model Paid Paid
Starting price — From $0.13
Free plan — —
Free trial — —
Deployment Cloud, Mobile Cloud, Mobile
Platforms Web, iOS, Android Web, iOS, Android
Integrations 6 integrations 13 integrations
Features Stripe Terminal 2/3 · Adyen 0/3
Card reader available Not checked yet Not checked yet
Tap to Pay ✓ (best) Not checked yet
Offline payments ✓ (best) Not checked yet
Specs
Mobile platforms Not checked yet Not checked yet
In-person fee Not checked yet Not checked yet
Payment methods Not checked yet Not checked yet
Our review
Pros
  • Accepts Tap to Pay on compatible iPhone and Android devices
  • APIs and SDKs support custom point-of-sale integrations
  • Offers offline collection with supported readers and SDK configurations
  • Supports cards, wallets, local methods, and 136 currencies
  • iOS, Android, web, API, SDK, webhook, and plugin integrations
  • Recurring payments, fraud controls, marketplaces, and payouts included
Cons
  • Transaction fees include an added charge for international cards
  • Readers and optional cellular service add hardware or monthly costs
  • Tap to Pay and offline features have market, device, and eligibility limits
  • No free plan is available
  • Payment-method fees vary by region, method, and transaction volume
  • Payout availability is listed for 36 countries
Our verdict

Stripe Terminal gives businesses and platforms infrastructure for accepting in-person payments through certified card readers or Tap to Pay on compatible iPhone and Android devices. Its APIs and SDKs suit internet businesses, SaaS…

Read the review →

Adyen provides online and in-person payment infrastructure for businesses accepting payments through websites, mobile apps, and other channels. Its online payments product handles cards, wallets, and local payment methods, while mobile…

Read the review →
  1. Stripe TerminalMobile Credit Card Processing Software 9.3Paid
  2. AdyenMobile Credit Card Processing Software 8.9From $0.13

Strengths and trade-offs

  • Stripe Terminal — where it wins

    • Accepts Tap to Pay on compatible iPhone and Android devices
    • APIs and SDKs support custom point-of-sale integrations
    • Offers offline collection with supported readers and SDK configurations

    Where it doesn't

    • Transaction fees include an added charge for international cards
    • Readers and optional cellular service add hardware or monthly costs
    • Tap to Pay and offline features have market, device, and eligibility limits

  • Adyen — where it wins

    • Supports cards, wallets, local methods, and 136 currencies
    • iOS, Android, web, API, SDK, webhook, and plugin integrations
    • Recurring payments, fraud controls, marketplaces, and payouts included

    Where it doesn't

    • No free plan is available
    • Payment-method fees vary by region, method, and transaction volume
    • Payout availability is listed for 36 countries
  • Stripe Terminal9.3/10 · Paid

    A flexible mobile payment stack for businesses building custom in-person checkout.

    Visit StripeFull verdict →
  • Adyen8.9/10 · From $0.13

    A broad mobile and online payments platform priced per transaction, without a free plan.

    Visit AdyenFull verdict →

More comparisons

All mobile credit card processing software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update