# Adyen vs Dwolla

**Leader by Vioscale score:** Adyen

| Attribute | Adyen | Dwolla |
|---|---|---|
| **Vioscale score** | 84.5 (72% (medium)) | 41.5 (72% (medium)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | 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. | 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,"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":"FedNow Service"},{"name":"RTP (Real-time Payments)"},{"name":"ACH Network"},{"name":"Open Banking"}]` |
| market.availability | `{"hqCountry":"NL","primaryMarkets":["US","GB","EU"],"availabilityScope":"global","availableCountries":["AU","AT","BH","BE","BR","BG","CA","CN","HR","CY","CZ","DK","EG","EE","FI","FR","DE","GI","GR","HK","HU","IS","IN","ID","IE","IL","IT","JP","KE","KW","LV","LI","LT","LU","MY","MT","MX","MA","MZ","NL","NZ","NG","NO","OM","PH","PL","PT","QA","RO","KR","ES","SE","CH","TZ","TH","TR","UA","AE","GB","US","VN","ZM"],"notAvailableCountries":[]}` | - |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"usage","plans":[{"free":false,"name":"Per-Transaction Pricing","summary":"$0.13 + 2-5% per transaction, varies by payment method and region","features":["No setup fees","Pay per transaction only","Single integration for 200+ payment methods","Flexible payouts in multiple currencies"],"components":[{"kind":"fixed","amount":0.13,"period":"transaction","currency":"USD"},{"of":"transaction","kind":"percentage","plus":null,"rate":2}],"description":"Variable pricing based on payment method and geography","contactSales":false}],"summary":"$0.13 fixed fee + 2-5% per transaction (varies by payment method and geography). No setup or monthly fees.","currency":"USD","freeTier":false,"sourceUrl":"https://www.adyen.com/pricing","retrievedAt":"2026-08-14T10:18:04.788Z","startingPrice":{"amount":0.13,"period":"month","currency":"USD"}}` | `{"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 | low | 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: Vioscale. Generated 2026-09-01T16:29:37.933Z. "-" = undocumented, not absent.*