Adyen vs Square Pricing (2026)
Compare / Adyen vs Square
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Team size
25 seats

Adyen vs Square

Payment Processing pricing comparison · 2026

Adyen costs $0.021/mo, while Square has a free plan, then $49–$149/mo. 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 Square pricing
Free plan limits → 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
$5.0K $53K
View pricing →
Square
Square pricing starts at $0/month on the Free plan, which includes one card reader and bas
verified 3mo ago
$5.0K $53K
View pricing →
Recorded annual contract medians
Adyen median is $48K less than Square · different customer contracts; not a quote
Cheapest $5.0K
Spread 91%
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.
↓ Lowest median
Median annual
$5.0K/yr
Vendr · n=13
Median annual
$53K/yr
Vendr · n=3 · limited data
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 8 sourced facts
7 hidden-cost · Vendr median
Last verified 3mo ago
Confidence Limited 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
4 documented
  • Additional Device Fees for POS Terminals
    $50/device/month
    1 source
  • Per-Device POS Fee
    $50/device/month
    1 source
  • Payment Processing Transaction Fees
    2.6% + $0.10 per card-present transaction on Free plan
    4 sources
  • IT Setup and Management Costs
    5-15% of license costs
    1 source
REF · 04

Contract terms

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

Adyen
Square
Auto-renewal
—
—
Cancellation
—
—
Commitment
—
✓ Month-to-month (no annual billing option available)
Price escalation
No published price escalation schedule; large merchants negotiate custom cost-plus contracts that may include volume-based rate adjustments.
—
Can downgrade
—
—
Based on 1 verified source (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
New and small businesses
Watch out
Customer service delays and slow fund disbursement reported in online forums
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 Square pricing
Free plan limits → 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

Square

Free plan; paid $49–$149
/mo
3 plans · Free tier
Full pricing breakdown →
⚖

Different Pricing Models

Direct price comparison isn't meaningful here — Adyen uses pricing while Square 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

Square

Free plan; paid $49–$149/mo
See full Square pricing →

Adyen and Square both operate in the payment processing category. This page compares their list pricing.

Plan-by-Plan Pricing

Plan Adyen Square
Standard $0.02 /month Free /month
Plus — $49 /month
Premium — $149 /month

Cost at Scale

Total cost of ownership — licenses, implementation, and hidden costs included.

Adyen

3 scenarios
~$40,000-$50,000/year in total payment processing costs (2-2.5% effective rate)
Mid-Market eCommerce ($2M/year processing)
0.3-0.8% effective rate, primarily interchange pass-through
High-Volume Enterprise ($100M+/year processing)
$100
Small Business (<1,000 transactions/month)
+/month minimum regardless of volume

Square

4 scenarios
$52,800/year
Enterprise Deployment (Median)
$0/month
Solo Vendor or Food Truck (Free Plan)
+ 2.6% + 10¢ per transaction
$49/month ($588/year)
Small Retail or Café (Plus Plan, One Terminal)
+ transaction fees
See all 4 scenarios →

Market Intelligence

Adyen

Median annual cost
$5,000
Based on
13 deals

Square

Median annual cost
$52,800
Based on
3 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 →

Square 4 hidden costs

medium
Additional Device Fees for POS Terminals $50/device/month (source dated Jun 2025)
high
Per-Device POS Fee $50/device/month (source dated Jun 2025)
high
Payment Processing Transaction Fees 2.6% + $0.10 per card-present transaction on Free plan
medium
IT Setup and Management Costs 5-15% of license costs
See all Square hidden costs →

Contract Terms

Term Adyen Square
Auto-renewal — —
Cancellation — —
Minimum commitment — Month-to-month (no annual billing option available)
Price escalation No published price escalation schedule; large merchants negotiate custom cost-plus contracts that may include volume-based rate adjustments. —

Continue researching

Adyen

Square

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