# Adyen vs Modern Treasury

**Leader by Vioscale score:** Adyen

| Attribute | Adyen | Modern Treasury |
|---|---|---|
| **Vioscale score** | 83.5 (50% (medium)) | 69.2 (43% (low)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | Enterprise fintech platform for global payment processing, card issuing, payouts, and embedded financial products, built for scale with banking licenses. | One API for multi-rail payments, programmable accounts, real-time reporting, and built-in compliance. Launch payment experiences in days rather than months. |
| features.capabilities | `{"capability":"payments","money_rails":"Cards, bank transfers, ACH, SEPA Direct Debit, digital wallets, local methods","card_issuing":true,"geo_coverage":"150+ currencies, 200+ local payment methods, 29 global offices","baas_accounts":true,"pricing_model":"usage","multi_currency":true,"target_segment":"enterprise","soc_attestation":"both","payments_acquiring":true,"payout_disbursement":true}` | `{"capability":"payments","money_rails":"ACH, wires, RTP/FedNow, push-to-card, stablecoins","geo_coverage":"United States","baas_accounts":true,"pricing_model":"usage","multi_currency":true,"target_segment":"platform","soc_attestation":"both","payments_acquiring":true,"payout_disbursement":true}` |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"usage","plans":[{"free":false,"name":"Standard","summary":"$0.13 + 3.95% per transaction","features":["All payment methods in single integration","200+ local payment methods","150+ currencies","Flexible payouts","Fraud reduction","Conversion optimization"],"components":[{"kind":"fixed","amount":0.13,"period":"transaction","currency":"USD"},{"of":"transaction","kind":"percentage","rate":3.95}],"description":"Pay per transaction with no setup or monthly fees","contactSales":false}],"summary":"$0.13 + 3.95% per transaction; Interchange++ available; no setup or monthly fees","currency":"USD","freeTier":false,"sourceUrl":"https://www.adyen.com","retrievedAt":"2026-08-04T08:41:00.715Z","startingPrice":{"amount":0.13,"period":"month","currency":"USD"}}` | `{"type":"usage","summary":"Usage-based pricing that scales with volume. Platform access, payment rails, and compliance included. Minimum commitment required. Contact sales for exact pricing.","currency":"USD","freeTier":false,"sourceUrl":"https://www.moderntreasury.com","retrievedAt":"2026-08-03T11:56:12.924Z","billingPeriods":["year"]}` |
| pricing.free_tier | no | no |
| pricing.model | commercial | commercial |
| pricing.price_level | low | unknown |
| pricing.starting_gbp | 0.13 | - |
| pricing.transparent | yes | yes |
| reliability.sla_pct | 99.999 | 99.99 |
| reliability.status_page | yes | yes |
| security.disclosure_policy | yes | - |
| security.gdpr | - | yes |
| security.iso27001 | yes | - |
| security.pci | yes | yes |
| security.soc2 | yes | yes |

## Capabilities (Fintech Infrastructure)

| Capability | Adyen | Modern Treasury |
|---|:--:|:--:|
| **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) | Cards, bank transfers, ACH, SEPA Direct Debit, digital wallets, local methods | ACH, wires, RTP/FedNow, push-to-card, stablecoins |
| **Coverage** |  |  |
| Multi-currency / cross-border | ✓ | ✓ |
| Geographic coverage (countries / regions) | 150+ currencies, 200+ local payment methods, 29 global offices | United States |
| **Compliance** |  |  |
| PCI DSS Level 1 | - | - |
| SOC 1 / SOC 2 attestation | SOC 1 + SOC 2 | SOC 1 + SOC 2 |
| PSD2 / Open Banking licensed | - | - |
| **Developer** |  |  |
| SDK language coverage (Node, Python, Ruby, Java, Go) | - | - |
| **Pricing** |  |  |
| Pricing model | Usage / per API call | Usage / per API call |
| **Market** |  |  |
| Target segment | Enterprise | Platform / marketplace |

*Source: Vioscale. Generated 2026-08-07T00:02:19.506Z. "-" = undocumented, not absent.*