Moneta vs Adyen
Compare payment processing fees and features. See how much your business can save by switching from Adyen to Moneta's zero-fee stablecoin payments.
Savings Calculator
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Detailed Fee Comparison
| Fee Type | Moneta | Adyen |
|---|---|---|
| Transaction Fee (%) | 0% | 3.9% |
| Fixed Fee per Transaction | ~$0.001 | $0.11 |
| Currency Conversion / FX Markup | 0% | 1.25% |
| Chargeback Fee | N/A | $15-25 |
| Settlement Time | Instant | 2-7 days |
| Withdrawal Fee | $0 | Varies |
Feature Comparison
Real-World Savings Scenarios
Global E-commerce Brand
$500,000/month
A DTC brand selling worldwide. Adyen's interchange++ plus processing fees on $500K monthly can exceed $15,000.
Subscription Platform
$200,000/month
A SaaS platform with global subscribers. Adyen's per-transaction fees on recurring payments compound significantly.
Marketplace
$1,000,000/month
A two-sided marketplace processing payments. Adyen's split payment fees on $1M monthly volume exceed $25,000.
Enterprise Retailer
$2,000,000/month
A large retailer with unified commerce needs. Even with volume discounts, Adyen fees on $2M monthly are substantial.
Pros and Cons
Moneta
Pros
- Zero fees (vs 3.9% + €0.11)
- No interchange or scheme fees
- 100% transparent pricing
- Instant settlement
- No chargeback risk
- No minimum volume requirements
- Self-custody of funds
- Same pricing regardless of card type
Cons
- No card payment acceptance
- No unified commerce/omnichannel
- No in-store payment support
- Recipients need crypto wallets
- Less enterprise feature set
- No AI fraud protection
Adyen
Pros
- True unified commerce platform
- Accepts all global payment methods
- RevenueProtect AI fraud prevention
- Enterprise-grade infrastructure
- Serves Uber, Spotify, Microsoft
- Advanced data and analytics
- Omnichannel capabilities
- Split payments for marketplaces
Cons
- 3.9% + €0.11 per transaction
- Complex pricing model
- Currency conversion markup (1-1.25%)
- Historically enterprise-focused
- Chargeback fees and risk
- May require minimum volumes
- Settlement not instant
Which Should You Choose?
Choose Moneta if you:
- Want zero payment processing fees
- Prefer simple, transparent pricing
- Process primarily online payments
- Have crypto-accepting customers
- Need instant settlement
- Want to avoid chargeback risk
- Any transaction volume
Choose Adyen if you:
- Need unified commerce/omnichannel
- Require card payment acceptance
- Want enterprise-grade infrastructure
- Need in-store payment support
- Require advanced fraud protection
- Run a marketplace needing split payments
Frequently Asked Questions
How does Adyen's pricing compare to Moneta?
Adyen charges 3.9% + €0.11 per transaction for standard processing. This means on a $100 transaction, you'd pay approximately $4.01. Moneta charges 0%—no percentage fees, no per-transaction costs, just minimal network gas fees (~$0.001).
Is Moneta suitable for enterprise-scale payments like Adyen?
Yes, Moneta handles any transaction volume with the same zero fees. While Adyen offers more enterprise features (unified commerce, advanced fraud protection), Moneta's cost savings at scale are dramatic. A business processing $1M monthly saves $15,000-30,000 with Moneta.
What about Adyen's unified commerce capabilities?
Adyen excels at omnichannel payments—online, in-store, and mobile from one platform. Moneta is primarily for online/remote payments. For businesses needing true unified commerce, Adyen's infrastructure is more comprehensive. For online-only, Moneta offers significant savings.
How do fraud protection capabilities compare?
Adyen's RevenueProtect uses AI for fraud detection across their network. Moneta uses blockchain security—transactions are cryptographically secured and irreversible. Different approaches, but both effective. Moneta eliminates chargeback fraud entirely.
Does Adyen have minimum volume requirements?
Adyen historically focused on enterprise clients with significant volume. While they've expanded to smaller merchants, their pricing and features are optimized for scale. Moneta has no minimums—same zero fees whether you process $100 or $100 million.
Can I use Moneta alongside Adyen?
Yes, many businesses use Adyen for card payments and Moneta for B2B transactions or crypto-accepting customers. This hybrid approach captures card-paying customers while eliminating fees on stablecoin payments.
About Adyen
Adyen is a Dutch payment company founded in 2006 that provides a single platform for accepting payments globally. Known for serving enterprise clients like Uber, Spotify, and Microsoft, Adyen offers unified commerce solutions across online, in-store, and mobile channels. While Adyen's technology is cutting-edge, its pricing model (interchange++ with processing fees) can be complex and expensive, particularly for smaller merchants.
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