# Adyen vs TrueLayer

**Leader by vioscaleAI score:** Adyen

| Attribute | Adyen | TrueLayer |
|---|---|---|
| **vioscaleAI score** | 82.6 (72% (medium)) | 61.8 (44% (low)) |
| 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":"A platform that lets businesses accept payments directly from customer bank accounts and manage payouts. It provides real-time transaction data and reduces fraud by eliminating traditional card networks. It is indexed under Fintech Infrastructure.","source":"https://truelayer.com","question":"What is TrueLayer?","confidence":0.6},{"answer":"We have confirmed browser-based access to TrueLayer. 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://truelayer.com","question":"What platforms does TrueLayer support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for TrueLayer, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://truelayer.com","question":"Can TrueLayer be self-hosted?","confidence":0.6},{"answer":"We have independently confirmed SOC 2, ISO 27001 and GDPR for TrueLayer. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as TrueLayer not holding them. Always confirm compliance directly before you rely on it.","source":"https://trust.truelayer.com","question":"What security certifications does TrueLayer have?","confidence":0.7},{"answer":"TrueLayer is available in the United Kingdom. Its primary market is the United Kingdom. The vendor is headquartered in the United Kingdom.","source":"https://truelayer.com","question":"Where is TrueLayer available?","confidence":0.75}]` |
| 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. | A platform that lets businesses accept payments directly from customer bank accounts and manage payouts. It provides real-time transaction data and reduces fraud by eliminating traditional card networks. |
| 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":"data_aggregation","pci_dss_l1":false,"money_rails":"Pay by Bank (bank transfer based)","card_issuing":false,"geo_coverage":"Europe, UK primary","target_segment":"enterprise","data_aggregation":true,"psd2_open_banking":true,"payments_acquiring":true,"payout_disbursement":true}` |
| integrations.count | 200 | - |
| 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"}]` | - |
| market.availability | `{"primaryMarkets":["US","GB","EU"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | `{"hqCountry":"GB","primaryMarkets":["GB"],"availabilityScope":"regional","availableCountries":["GB"],"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"}` | - |
| pricing.free_tier | no | - |
| pricing.model | commercial | commercial |
| pricing.price_level | unknown | - |
| pricing.transparent | yes | - |
| reliability.sla_pct | 99.999 | - |
| reliability.status_page | yes | yes |
| security.disclosure_policy | yes | yes |
| security.gdpr | yes | yes |
| security.iso27001 | yes | yes |
| security.pci | yes | - |
| security.soc2 | yes | yes |

## Capabilities (Fintech Infrastructure)

| Capability | Adyen | TrueLayer |
|---|:--:|:--:|
| **Core** |  |  |
| Primary capability | Payments/acquiring | Data aggregation |
| **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 | Pay by Bank (bank transfer based) |
| **Coverage** |  |  |
| Multi-currency / cross-border | ✓ | - |
| Geographic coverage (countries / regions) | Global, 200+ local payment methods, operations in 29 countries | Europe, UK primary |
| **Compliance** |  |  |
| PCI DSS Level 1 | - | ✗ |
| SOC 1 / SOC 2 attestation | - | - |
| PSD2 / Open Banking licensed | ✓ | ✓ |
| **Developer** |  |  |
| SDK language coverage (Node, Python, Ruby, Java, Go) | Python, TypeScript, Ruby, PHP, Java, .NET, Go | - |
| **Pricing** |  |  |
| Pricing model | Interchange-plus | - |
| **Market** |  |  |
| Target segment | Enterprise | Enterprise |

*Source: vioscaleAI. Generated 2026-10-16T19:05:51.325Z. "-" = undocumented, not absent.*