Adyen vs Dwolla Pricing | Costbench
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Team size
25 seats

Adyen vs Dwolla

Payment Processing pricing comparison · 2026

Adyen costs $0.021/mo, while Dwolla is quote-based. These products use different pricing models ( vs ), so a direct price comparison isn't meaningful — costs depend on usage volume and mix.

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See pricing on each vendor's site
Above-the-fold path — each link opens the vendor's pricing page in a new tab.
Visit Adyen pricing
Discount programs →
Visit Dwolla pricing
Discount programs →
Compare
2 products · Payment Processing
Side-by-side · live
Adyen
Adyen uses an interchange++ pricing model rather than simple monthly subscription plans.
verified 10w ago
$374 $5.0K
View pricing →
Dwolla
Dwolla provides ACH-based bank transfer infrastructure with custom pricing tailored to tra
verified 12w ago
$374 $5.0K
View pricing →
Recorded annual contract medians
Dwolla median is $4.6K less than Adyen · different customer contracts; not a quote
Cheapest $374
Spread 93%
Estimated license cost
at 25 seats
List price × seats. Click a tier below to lock it.
Usage-based
Custom rates
see vendor pricing for volume tiers
Usage-based
Custom rates
see vendor pricing for volume tiers
What buyers actually pay
median, annual
Vendr deal-flow data. The real benchmark, not list price.
Median annual
$5.0K/yr
Vendr · n=13
↓ Lowest median
Median annual
$374/yr
Vendr · n=20
REF · 01

Sources & confidence

Every dollar amount and contract clause below traces back to a sourced fact. We don't manufacture composite scores.

Where this data comes from
Vendr · TrustRadius · Reddit · BBB · official docs
Sources 25 sourced facts
23 hidden-cost · 1 contract · Vendr median
Last verified 2mo ago
Confidence Medium confidence
Sources 6 sourced facts
3 hidden-cost · 2 contract · Vendr median
Last verified 2mo ago
Confidence Medium confidence
REF · 02

Plans at a glance

Every tier per product. Lock one to drive the cost row above and reveal a tier-specific outbound CTA.

Tier ladder
Click a tier to lock the cost row to it. Locking surfaces a tier-specific Visit CTA.
REF · 03

Hidden costs

Each cost is severity-ranked, with the dollar range quoted from its source (Vendr, Reddit, TrustRadius, BBB, official docs) — never our estimate.

Beyond the sticker
Severity-ranked, sourced
5 documented
  • Minimum Monthly Fee Requirement
    $100-$120/month minimum
    2 sources
  • Premium Card Processing Fees
    $0.13 + 3.3-3.95% per transaction
    2 sources
  • Volume Requirements
    $1,000,000 annual minimum
    2 sources
  • Complex Interchange Fees
    0.2-1.85% of transaction value
    2 sources
  • High Fees for Premium Card Networks (Amex, Diners)
    1-4% of transaction value for premium cards
    3 sources
2 documented
  • White Label API Premium
    $5,000/month
    2 sources
  • Bank Account Connection Requirement
    10-20% of license costs
    1 source
REF · 04

Contract terms

The fine print, surfaced. Green = buyer-friendly. Each clause backed by a quoted source.

Adyen
Dwolla
Auto-renewal
—
—
Cancellation
—
—
Commitment
—
—
Price escalation
No published price escalation schedule; large merchants negotiate custom cost-plus contracts that may include volume-based rate adjustments.
Dwolla has restructured pricing multiple times historically, moving from per-transaction to monthly recurring models.
Can downgrade
—
—
Based on 3 verified sources (Vendr · TrustRadius · BBB)
REF · 05

What users say

Aggregated, with sample sizes. We use whichever review platform has data.

User reviews
TrustRadius · Trustpilot · G2
No public ratings yet
Best for
General users
Watch out
Amex and Diners Club card rates are significantly higher than standard Visa/Mastercard interchange rates
No public ratings yet
Best for
Large deployments, quote-based pricing
Watch out
Bank account connection requirement creates user friction
Decide
Get a quote from each vendor
Each link opens the vendor's pricing page in a new tab.
Visit Adyen pricing
Discount programs →
Visit Dwolla pricing
Discount programs →
License cost is computed from publicly listed plans (real math, list price × seats). Median annual cost is from Vendr's deal flow when available — see source badges. Hidden costs and contract terms each cite their own sources. We do not invent composite scores.
Payment Processing

Adyen

$0.021
/mo
1 plan
Full pricing breakdown →
VS
Payment Processing

Dwolla

Custom pricing
2 plans
Full pricing breakdown →
⚖

Different Pricing Models

Direct price comparison isn't meaningful here — Adyen uses pricing while Dwolla uses pricing. Your actual cost will depend on usage volume, team size, or both. Here's each product in its native unit.

Adyen

$0.021/mo
See full Adyen pricing →
vs

Dwolla

Custom pricing
See full Dwolla pricing →

Plan-by-Plan Pricing

Plan Adyen Dwolla
Standard $0.02 /month Custom
Custom — Custom

Market Intelligence

Adyen

Median annual cost
$5,000
Based on
13 deals

Dwolla

Median annual cost
$374
Based on
20 deals

Hidden Costs

Beyond the sticker price — what catches buyers off guard.

Adyen 12 hidden costs

medium
Minimum Monthly Fee Requirement $100-$120/month minimum
medium
Premium Card Processing Fees $0.13 + 3.3-3.95% per transaction
critical
Volume Requirements $1,000,000 annual minimum (source dated Sep 2023)
medium
Complex Interchange Fees 0.2-1.85% of transaction value
high
High Fees for Premium Card Networks (Amex, Diners) 1-4% of transaction value for premium cards
See all Adyen hidden costs →

Dwolla 2 hidden costs

high
White Label API Premium $5,000/month
medium
Bank Account Connection Requirement 10-20% of license costs
See all Dwolla hidden costs →

Contract Terms

Term Adyen Dwolla
Auto-renewal — —
Cancellation — —
Minimum commitment — —
Price escalation No published price escalation schedule; large merchants negotiate custom cost-plus contracts that may include volume-based rate adjustments. Dwolla has restructured pricing multiple times historically, moving from per-transaction to monthly recurring models.

Continue researching

Adyen

Dwolla

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