Pricing Model Comparison
Worldpay (currently FIS) and Adyen have adopted opposite pricing strategies. While Worldpay blows a blended pricing option with 2.9% plus (0.5100, Adyen tends to be cheaper on most occasions, with the best effective rate ranging from 1.8 to 2.2%. However, Worldpay becomes a competitor on premium cards and high-ticket items. Non-card payments have extreme differences: Adyen charges a full 1% for an SEPA transfer, in comparison to the processing… Chargeback processing differs even between them: Worldpay charges $25 per dispute, whereas Adyen gives 10 free monthly disputes.
Technical Implementation Costs
Adyen has a single API which saves a developer on average 40 hours of integration compared to Worldpay’s disparate legacy systems of over 80+ hours. Merchant onboarding is also the same, as Adyen gives its approval on the average of 3-5 days as to when the merchant signed for Worldpay takes 7-10 days before it gets approved. For international businesses, the single platform of Adyen connects to more than 50 local acquirers, while with Worldpay, you will usually need specific integration for each country. Adyen offers real-time revenue analytics as part of it; Worldpay charges $500 per month for its advanced reporting. PCI compliance is costly – the tokenization of Adyen minimizes SAQ scope to A-EP while Worldpay’s hybrid implies full SAQ D.
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