Square vs Adyen: which is better? Comparison 2026
By our public methodology Square scores 83 out of 100 and Adyen scores 72. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Square | Adyen | |
|---|---|---|
| Cost | 67 | 44 |
| Licence and security | 98 | 100 |
| Payouts | 86 | 71 |
Pros and cons
Square
- Regulator licence with a number on the official site
- Validated under PCI DSS as a service provider
- Pay per transaction, with no monthly fee
- Money reaches your bank account quickly
Adyen
- Regulator licence with a number on the official site
- Validated under PCI DSS as a service provider
- Pay per transaction, with no monthly fee
Facts side by side
| Fact | Square | Adyen |
|---|---|---|
| Online card fee | 2.9% squareup.com | Not verified |
| Fixed fee per payment | $0.30 squareup.com | $0.13 adyen.com |
| Fee shown for the market | United States squareup.com | Not verified |
| No monthly fee | Yes squareup.com | Yes adyen.com |
| Chargeback fee | $0.00 squareup.com | Not verified |
| Licensed by a financial regulator | Yes squareup.com | Yes adyen.com |
| Licence | NMLS 942933 (Block, Inc., US money transmitter licences) squareup.com | DNB (De Nederlandsche Bank), credit institution; KvK 34259528 adyen.com |
| PCI DSS service provider | Yes squareup.com | Yes docs.adyen.com |
| Founded | 2009 squareup.com | 2006 adyen.com |
| Payout to your bank | 1 days squareup.com | 2 days docs.adyen.com |
| Countries for businesses | 8 squareup.com | Not verified |
| Public company (listed, audited reports) | Yes sec.gov | Yes live.euronext.com |
| Parent company | Block, Inc. squareup.com | Not verified |
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