Comparison

Adyen vs Dwolla

On the evidence we track, Adyen leads this comparison with a composite score of 85/100. Scores are only directly comparable because these tools share a category; the full breakdown and every source is below.

Adyen full profile →Dwolla full profile →

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★Adyen85

Dwolla42

Attribute comparison across 2 tools
Attribute	AdyenLeader	Dwolla
Vioscale score	85 / 100medium · 72%	42 / 100medium · 72%
Pricing
Free tierpricing.free_tier	✗	✗
Modelpricing.model	commercial	commercial
Price levelpricing.price_level	low	unknown
Transparentpricing.transparent	✓	✗
Integrations
Countintegrations.count	200	4
Security
Disclosure policysecurity.disclosure_policy	✓	-
Gdprsecurity.gdpr	✓	-
Iso27001security.iso27001	✓	-
Pcisecurity.pci	✓	-
Soc2security.soc2	✓	✓
Reliability
Sla pctreliability.sla_pct	99.999	99.9
Status pagereliability.status_page	✓	✓
Market
Availabilitymarket.availability	Available worldwide · Popular in US, GB, EU · HQ NL	-

Score

Vioscale score

Adyen85 / 100medium · 72%

Dwolla42 / 100medium · 72%

Pricing

Free tier

Adyen✗

Dwolla✗

Model

Adyencommercial

Dwollacommercial

Price level

Adyenlow

Dwollaunknown

Transparent

Adyen✓

Dwolla✗

Integrations

Count

Adyen200

Dwolla4

Security

Disclosure policy

Adyen✓

Dwolla–

Gdpr

Adyen✓

Dwolla–

Iso27001

Adyen✓

Dwolla–

Pci

Adyen✓

Dwolla–

Soc2

Adyen✓

Dwolla✓

Reliability

Sla pct

Adyen99.999

Dwolla99.9

Status page

Adyen✓

Dwolla✓

Market

Availability

AdyenAvailable worldwide · Popular in US, GB, EU · HQ NL

Dwolla–

Capabilities

Feature-by-feature on the axes that matter for fintech infrastructure. “-” means undocumented, not absent.

Capability comparison for Fintech Infrastructure
Capability	Adyen	Dwolla
Core
Primary capability	Payments/acquiring	Payments/acquiring
Capabilities
Payments / acquiring	✓	✗
Card issuing	✓	✗
Banking-as-a-service / accounts	✓	✗
Data aggregation / open banking	✗	✗
Payouts / disbursements	✓	✓
Money movement rails (ACH, RTP, wire, card)	ACH, SEPA Direct Debit, card networks, bank transfers, local payment methods	ACH, FedNow, RTP
Coverage
Multi-currency / cross-border	✓	✗
Geographic coverage (countries / regions)	Global, 200+ local payment methods, operations in 29 countries	-
Compliance
PCI DSS Level 1	-	✗
SOC 1 / SOC 2 attestation	-	None / unknown
PSD2 / Open Banking licensed	-	✗
Developer
SDK language coverage (Node, Python, Ruby, Java, Go)	Python, TypeScript, Ruby, PHP, Java, .NET, Go	API-based (languages not specified)
Pricing
Pricing model	Interchange-plus	Quote / platform fee
Market
Target segment	Enterprise	Platform / marketplace

Core

Primary capability

AdyenPayments/acquiring

DwollaPayments/acquiring

Capabilities

Payments / acquiring

Adyen✓

Dwolla✗

Card issuing

Adyen✓

Dwolla✗

Banking-as-a-service / accounts

Adyen✓

Dwolla✗

Data aggregation / open banking

Adyen✗

Dwolla✗

Payouts / disbursements

Adyen✓

Dwolla✓

Money movement rails (ACH, RTP, wire, card)

AdyenACH, SEPA Direct Debit, card networks, bank transfers, local payment methods

DwollaACH, FedNow, RTP

Coverage

Multi-currency / cross-border

Adyen✓

Dwolla✗

Geographic coverage (countries / regions)

AdyenGlobal, 200+ local payment methods, operations in 29 countries

Dwolla-

Compliance

PCI DSS Level 1

Adyen-

Dwolla✗

SOC 1 / SOC 2 attestation

Adyen-

DwollaNone / unknown

PSD2 / Open Banking licensed

Adyen-

Dwolla✗

Developer

SDK language coverage (Node, Python, Ruby, Java, Go)

AdyenPython, TypeScript, Ruby, PHP, Java, .NET, Go

DwollaAPI-based (languages not specified)

Pricing

Pricing model

AdyenInterchange-plus

DwollaQuote / platform fee

Market

Target segment

AdyenEnterprise

DwollaPlatform / marketplace

What each one is

The product in its own terms, so the numbers below have context.

Adyen

Leader

Adyen is a comprehensive fintech platform that enables businesses to process payments, manage cross-border money movement, and offer financial products (cards, accounts, lending) to customers through a single integrated infrastructure. It processes trillions of euros annually across 200+ payment methods and 150+ currencies.

Independently observed

Dwolla

Bank payment infrastructure for platforms and enterprises that automates ACH and real-time payments with standardized status handling and operational visibility across transaction rails.

Independently observed

Pricing

List pricing as published by each vendor, with the date we read it. Always verify at the source before you buy.

Adyen

Leader

from $0.13/moUsage-based

$0.13 fixed fee + 2-5% per transaction (varies by payment method and geography). No setup or monthly fees.

Per-Transaction Pricing$0.13 + 2-5% per transaction, varies by payment method and region
- No setup fees
- Pay per transaction only
- Single integration for 200+ payment methods
- Flexible payouts in multiple currencies

as of 2026-08-14verify ↗

Dwolla

Quote-based

Custom pricing based on transaction volume, rails, and integration needs

as of 2026-08-03verify ↗

Platform & deployment

Where each product runs and how it can be hosted. A dash means undocumented, not unsupported.

Platform and deployment support comparison
Supports	Adyen	Dwolla
WebPlatforms	✓	✓
Cloud / SaaSDeployment	✓	✓

Platforms

Web

Adyen✓

Dwolla✓

Deployment

Cloud / SaaS

Adyen✓

Dwolla✓

Integrations

What each product connects to. Counts come from the vendor's own integration directory where one exists.

Adyen

Leader

21 total

Visa
Mastercard
American Express
Apple Pay
Google Pay
PayPal
Alipay
WeChat Pay
SEPA Direct Debit
ACH
Affirm
Klarna
iDEAL
Bancontact
Giropay
EPS
Przelewy24
OXXO
Boleto
Zenoti
Adobe

Independently observed

Dwolla

4 total

FedNow Service
RTP (Real-time Payments)
ACH Network
Open Banking

Independently observed

Comparison generated from independently-sourced facts. Every value links to its source and retrieval date. See the method.