payware vs Adyen

Compare enterprise payment processing: account-to-account (A2A) payments vs traditional card networks. See how payware delivers 17-50% cost savings while maintaining enterprise-grade capabilities.

Abstract streamlined enterprise payment flow, clean unified architecture with direct Account-to-Account connections, grayscale with blue accent representing 0.5% flat rate, open modular design suggesting simplicity and transparent pricing, lightweight geometric pattern showing reduced complexity Abstract visualization of enterprise payment complexity with Adyen, layered platform architecture with interconnected card network dependencies, grayscale with multiple geometric shapes representing 0.6-1.0% plus feature fees, dense technical infrastructure suggesting complex integration and multiple cost layers
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Quick comparison

Feature
payware
Adyen
Transaction Fee 0.5% 0.6-1.0%
Additional Fees None Interchange + extras
Cost on $100k Monthly $500 $600-1,000+
Settlement Speed Real-time
Instant access to funds
 T+1 to T+2
1-2 day delay
Payment Initiation Methods 7 distinct methods
QR, NFC, BLE, text, link, barcode, soundbite
 Card-based variations
250+ regional card methods
Chargeback Risk Minimal (A2A) Higher (cards)
Platform Type Open standard Proprietary
Global Reach Global access
Works with any bank
 200+ countries
Card network coverage

Cost comparison by business size

Small Business

$50,000/month

Adyen $350-500/mo
0.7% avg + interchange
payware $250/mo
0.5% flat

Save $1,200-3,000/year

29-50% cost reduction

Most Common

Medium Business

$250,000/month

Adyen $1,750-2,500/mo
0.7% avg + interchange
payware $1,250/mo
0.5% flat

Save $6,000-15,000/year

29-50% cost reduction

Enterprise

$2,000,000/month

Adyen $12,000-20,000/mo
0.6% negotiated + fees
payware $10,000/mo
0.5% flat

Save $24,000-120,000/year

17-50% cost reduction

Calculate your specific savings

Feature Comparison

Feature payware Adyen
Payment Initiation Methods 7 distinct methods (QR, NFC, BLE, text, link, barcode, soundbite) 250+ card-based regional variations
Settlement Speed Real-time to T+1 T+1 to T+2
API Quality RESTful, open standard RESTful, proprietary
Global Reach Global access (works with any bank) 200+ countries (card network coverage)
Chargeback Risk Lower (A2A) Higher (card-based)
Risk Management Bank authentication Advanced fraud tools
Platform Lock-in None (open standard) Moderate

Beyond cost savings: New business models

payware enables innovative revenue streams and business opportunities that traditional card networks can't support

Revenue Sharing Models

Create partner ecosystems where ISVs, merchants, and payment institutions share transaction value—impossible with card network fee structures

Embedded Payment Platforms

ISVs can become payment facilitators with white-label solutions, earning recurring revenue from every transaction their platform processes

Instant Settlement Services

Build premium services around real-time money movement—merchants pay for instant access to funds, creating new revenue streams

Context-Aware Payments

7 initiation methods (QR, NFC, text, link, barcode, BLE, soundbite) enable payments in contexts where cards don't work—events, vending, transit, IoT

Multi-Sided Marketplace Revenue

Platform economics where payment institutions, ISVs, and merchants all participate in network growth—each new participant increases value for all

Data & Analytics Services

Lower transaction costs free up budget for value-added services—fraud detection, customer insights, financial reporting that generates recurring revenue

Which Solution is Right for You?

Choose payware if you:

  • Want to reduce costs by 17-50% and enable new revenue models
  • Build revenue-sharing ecosystems or embedded payment platforms
  • Need innovative payment experiences beyond cards (QR, NFC, BLE, soundbite, text, link, barcode)
  • Prefer transparent, predictable pricing and open standards
  • Real-time settlement provides immediate cash flow and competitive advantages
  • Want to avoid proprietary platform lock-in

Choose Adyen if you:

  • Must accept traditional card payments (Visa, Mastercard, etc.)
  • Need regional card method variations (iDEAL, Alipay, etc.)
  • Require mature fraud prevention suite
  • Need unified commerce (online + in-store POS)
  • Can absorb higher costs for broader coverage
  • Need established platform with long track record

Ready to modernize enterprise payments?

Reduce costs, accelerate settlement, and enable platform economics that drive growth

Calculate Your Savings Join Network

Frequently Asked Questions

Businesses typically save 17-50% on payment processing fees. payware charges as low as 0.5% (rates vary by region) compared to Adyen's 0.6-1.0% plus additional fees for features and services.

Yes, payware supports international account-to-account payments through the universal payment standard, with lower costs than Adyen's international card processing.

Both offer fast settlement. payware provides real-time to T+1 settlement for account-to-account (A2A) payments, while Adyen typically offers T+1 to T+2 for card transactions.

Yes! Many businesses use payware for cost-effective A2A payments while keeping Adyen for global card coverage. This hybrid approach maximizes savings while maintaining payment method diversity.

payware leverages bank-level authentication (Strong Customer Authentication) which provides excellent fraud prevention. A2A payments also have inherently lower chargeback risk compared to card transactions.

Scale your payment infrastructure without scaling costs

Enterprise-grade capabilities, startup-friendly economics, unlimited growth potential

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