# Adyen vs Dwolla

**Leader by vioscaleAI score:** Adyen

| Attribute | Adyen | Dwolla |
|---|---|---|
| **vioscaleAI score** | 82.6 (72% (medium)) | 41.5 (68% (medium)) |
| content.faq | `[{"answer":"A cloud-based payment service provider that enables platforms and marketplaces to embed payment acceptance, card issuing, and seller payout capabilities within their software, while managing regulatory compliance globally. It is indexed under Fintech Infrastructure.","source":"https://www.adyen.com","question":"What is Adyen?","confidence":0.6},{"answer":"Adyen is a paid product; published pricing starts at $0.13 per transaction. There is no free tier. Prices are published openly on the vendor's own pricing page. Pricing changes often, so verify at source before relying on it.","source":"https://www.adyen.com/pricing","question":"How much does Adyen cost?","confidence":0.6},{"answer":"We have confirmed browser-based access to Adyen. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.adyen.com","question":"What platforms does Adyen support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Adyen, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.adyen.com","question":"Can Adyen be self-hosted?","confidence":0.6},{"answer":"We have confirmed 21 integrations for Adyen, including Visa, Mastercard, American Express, Apple Pay, Google Pay, PayPal, Alipay and WeChat Pay, plus 13 more. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.adyen.com/pricing","question":"What does Adyen integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2, ISO 27001 and GDPR for Adyen. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Adyen not holding them. Always confirm compliance directly before you rely on it.","source":"https://trust.adyen.com","question":"What security certifications does Adyen have?","confidence":0.7},{"answer":"Adyen is available in Australia, the United Kingdom and the United States. Its primary markets are Australia, the United Kingdom and the United States.","source":"https://www.adyen.com","question":"Where is Adyen available?","confidence":0.75}]` | `[{"answer":"Bank payment infrastructure for platforms and enterprises that automates ACH and real-time payments with standardized status handling and operational visibility across transaction rails. It is indexed under Fintech Infrastructure.","source":"https://www.dwolla.com","question":"What is Dwolla?","confidence":0.6},{"answer":"We have confirmed browser-based access to Dwolla. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.dwolla.com/pricing","question":"What platforms does Dwolla support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Dwolla, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.dwolla.com/pricing","question":"Can Dwolla be self-hosted?","confidence":0.6},{"answer":"We have confirmed 4 integrations for Dwolla, including FedNow Service, RTP (Real-time Payments), ACH Network and Open Banking. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.dwolla.com/pricing","question":"What does Dwolla integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2 for Dwolla. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Dwolla not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.dwolla.com/security","question":"What security certifications does Dwolla have?","confidence":0.7}]` |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | A cloud-based payment service provider that enables platforms and marketplaces to embed payment acceptance, card issuing, and seller payout capabilities within their software, while managing regulatory compliance globally. | Bank payment infrastructure for platforms and enterprises that automates ACH and real-time payments with standardized status handling and operational visibility across transaction rails. |
| features.capabilities | `{"capability":"payments","money_rails":"ACH, SEPA Direct Debit, card networks, bank transfers, local payment methods","card_issuing":true,"geo_coverage":"Global, 200+ local payment methods, operations in 29 countries","baas_accounts":true,"pricing_model":"interchange_plus","sdk_languages":"Python, TypeScript, Ruby, PHP, Java, .NET, Go","multi_currency":true,"target_segment":"enterprise","data_aggregation":false,"psd2_open_banking":true,"payments_acquiring":true,"payout_disbursement":true}` | `{"capability":"payments","pci_dss_l1":false,"money_rails":"ACH, FedNow, RTP","card_issuing":false,"baas_accounts":false,"pricing_model":"quote","sdk_languages":"API-based (languages not specified)","multi_currency":false,"target_segment":"platform","soc_attestation":"none","data_aggregation":false,"psd2_open_banking":false,"payments_acquiring":false,"payout_disbursement":true}` |
| integrations.count | 200 | 4 |
| integrations.list | `[{"name":"Visa"},{"name":"Mastercard"},{"name":"American Express"},{"name":"Apple Pay"},{"name":"Google Pay"},{"name":"PayPal"},{"name":"Alipay"},{"name":"WeChat Pay"},{"name":"SEPA Direct Debit"},{"name":"ACH"},{"name":"Affirm"},{"name":"Klarna"},{"name":"iDEAL"},{"name":"Bancontact"},{"name":"Giropay"},{"name":"EPS"},{"name":"Przelewy24"},{"name":"OXXO"},{"name":"Boleto"},{"name":"Zenoti"},{"name":"Adobe"},{"name":"Bizum","native":true,"category":"payments"},{"name":"BankAxept","native":true,"category":"payments"},{"name":"Dankort","native":true,"category":"payments"},{"name":"Zip Money","native":true,"category":"payments"}]` | `[{"name":"FedNow Service"},{"name":"RTP (Real-time Payments)"},{"name":"ACH Network"},{"name":"Open Banking"}]` |
| market.availability | `{"primaryMarkets":["US","GB","EU"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | - |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"usage","plans":[{"free":false,"name":"Transaction-based","summary":"$0.13 + 3.95% typical per transaction","features":["No setup fees","No monthly fees","No integration fees","No closure fees","Global payment methods across 150+ countries","Multi-currency settlements","Interchange++ transparency","Flexible payout timing and currency"],"components":[{"of":"transaction","kind":"percentage","plus":{"amount":0.13,"currency":"USD"},"rate":3.95}],"description":"Per-transaction pricing with fixed base fee plus method-specific percentage charges","contactSales":false}],"summary":"Transaction-based pricing with $0.13 fixed cost plus variable percentage (typically 3-5% depending on payment method and region); no setup, monthly, or integration fees","currency":"USD","freeTier":false,"sourceUrl":"https://www.adyen.com/pricing","retrievedAt":"2026-09-22T14:45:10.876Z"}` | `{"type":"quote","summary":"Custom pricing based on transaction volume, rails, and integration needs","currency":"USD","freeTier":false,"sourceUrl":"https://www.dwolla.com","retrievedAt":"2026-08-03T11:54:27.056Z"}` |
| pricing.free_tier | no | no |
| pricing.model | commercial | commercial |
| pricing.price_level | unknown | unknown |
| pricing.transparent | yes | no |
| reliability.sla_pct | 99.999 | 99.9 |
| reliability.status_page | yes | yes |
| security.disclosure_policy | yes | - |
| security.gdpr | yes | - |
| security.iso27001 | yes | - |
| security.pci | yes | - |
| security.soc2 | yes | yes |

## Capabilities (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 |

*Source: vioscaleAI. Generated 2026-10-16T20:14:47.339Z. "-" = undocumented, not absent.*