# Finix vs Adyen

Source: https://nachonacho.com/compare/finix-vs-adyen

Choose Finix if your merchants are in the US or Canada and you want published platform fees; choose Adyen if you need to onboard sellers across more regions and support a wider range of local payment methods. Both offer payment processing for businesses and marketplaces, including online and in-person payments. The deciding questions are where your sellers operate and how each vendor’s fees apply to your business model.

## At a glance

| | Finix | Adyen |
| --- | --- | --- |
| Seller locations | United States and Canada | North America, Europe and selected Asia-Pacific markets |
| Direct merchant monthly fee | $250 standard monthly membership | No monthly fee; minimum invoice may apply |
| Platform card pricing | Standard: 0.30% + $0.15 per card transaction; third-party fees pass through | Platform product priced separately; contact sales |
| Payment-method pricing | Published standard and custom fee schedules | Fixed processing fee plus payment-method fee |
| Settlement currencies | USD and CAD | Multiple currencies |
| Payment channels | Online and in-person; Canadian in-person payments in pilot | Online, in-app and in-person |
| Marketplace tools | Seller onboarding, split transactions and payouts | Seller onboarding, split payments and payouts |
| Checkout options | Payment Links, Checkout Forms and API | Pay by Link, checkout components and API |
| Commerce integrations | Shopify, WooCommerce and Adobe Commerce, among others | Shopify, Adobe Commerce and Salesforce Commerce Cloud, among others |
| Bank payments | ACH in the US; EFT in Canada | Payment methods vary by market |
| Support contact | Email support; callback on request | Customer Area support tickets |

## Which to choose

### Choose Finix if

- Platforms with sellers in the US or Canada
- Buyers comparing published standard platform fees
- Businesses using payment links or low-code checkout
- Teams embedding merchant onboarding and payouts

### Choose Adyen if

- Marketplaces onboarding sellers across multiple regions
- Businesses needing local payment methods in several markets
- Teams needing multi-currency settlement
- Merchants avoiding a monthly processing fee

## Verdict

Pick Finix for a US- or Canada-focused platform that wants published standard platform transaction and seller fees, or for a direct merchant willing to pay its published monthly membership fee. Pick Adyen when seller coverage across Europe and Asia Pacific, local payment methods, or multi-currency settlement is central to your plans. Compare a full quote for your expected transaction mix: Adyen’s minimum invoice depends on the business, and both vendors price some services separately.

## Questions

### Is Finix or Adyen a better fit for an international marketplace?

Adyen supports marketplace seller onboarding across North America, Europe and selected Asia-Pacific markets. Finix supports entities in the United States and Canada. Confirm the countries and payment methods required for your particular seller base before choosing.

### How do Finix and Adyen charge for payments?

Finix publishes standard and custom fee schedules, including a $250 monthly membership fee for standard direct merchants and a standard platform card transaction fee of 0.30% plus $0.15, with third-party fees passed through. Adyen charges a fixed processing fee plus a payment-method fee, with other products priced separately.

### Does Adyen have a monthly fee or minimum?

Adyen says it has no setup or monthly fee for payment processing, but a minimum invoice may apply depending on the industry or business model. Ask Adyen for the applicable minimum and a quote for any additional products.

### Can both Finix and Adyen handle marketplace payouts?

Yes. Finix publishes tools for seller onboarding, split transactions and payouts. Adyen publishes tools for seller onboarding, split payments and payouts.

### Do Finix and Adyen support in-person payments?

Both support in-person payments. Finix says its in-person payments in Canada are in pilot rather than generally available, so Canadian businesses should confirm availability before committing.

### Can I use Finix or Adyen with my ecommerce store?

Both publish ecommerce integrations. Finix lists Shopify, WooCommerce and Adobe Commerce, among others; Adyen lists those platforms and Salesforce Commerce Cloud, among others. Check the capabilities of the specific integration you plan to use.

### Which offers checkout without building a custom payment page?

Finix offers Payment Links and low-code Checkout Forms. Adyen offers Pay by Link and checkout components. Both also provide APIs for custom integrations.

## Product pages

- Finix: https://nachonacho.com/product/finix
- Adyen: https://nachonacho.com/product/adyen