Shopify Payments vs Adyen Payments: The Complete 2025 Comparison
Philip Argyropoulos
Sep 29, 2025
Choosing the right payment provider can define how efficiently your Shopify store operates across regions. While Shopify Payments is Shopify’s built-in gateway, Adyen Payments offers enterprise merchants more flexibility—especially if you already use Adyen globally.
Below, we compare setup, fees, data insights, and global coverage so you can decide which is right for your business.
1. What Is Shopify Payments?
Shopify Payments is Shopify’s native gateway powered by Stripe. It allows you to accept cards, Apple Pay, and Google Pay directly within your store—without needing a third-party provider.
Key benefits
• No external setup or gateway fees.
• Instant onboarding and simplified reconciliation.
• Unified reporting in Shopify Admin.
• Supported in over 20 countries.
It’s the simplest and most cost-effective way for most merchants to accept payments online.
2. What Is Adyen Payments for Shopify?
Adyen Payments is a pre-built enterprise payments app that connects Shopify with Adyen’s global acquiring platform. This new integration enables larger retailers to maintain their existing Adyen relationships while using Shopify’s high-performing checkout.
Key benefits
• Unified view of online and in-store payments.
• Advanced fraud prevention and data insights.
• Access to 150+ local payment methods (e.g. iDEAL, Sofort, Bancontact).
• Simplified global expansion and reporting.
For multinational retailers, Adyen offers the scale and flexibility Shopify Payments doesn’t always cover.
3. When to Use Adyen Over Shopify Payments
a. You already use Adyen elsewhere
If your business uses Adyen for other websites, apps, or terminals, keeping all settlements under one acquirer streamlines reconciliation and reporting.
b. You operate in the EU or across multiple regions
Adyen’s global acquiring and support for local methods like iDEAL and Bancontact make it ideal for European enterprise retailers.
c. You need deeper data insights
Adyen’s unified dashboard gives finance and operations teams a single view of global payment performance.
d. You want to unify in-store and online experiences
With Adyen’s omnichannel capabilities, merchants can connect POS terminals and ecommerce checkout in one view.
4. When Shopify Payments Makes More Sense
a. You want simplicity and lower fees
Shopify Payments eliminates external gateway costs and integrates directly into your admin.
b. You sell in one main market
If you’re not managing complex multi-country operations, Shopify Payments is often faster, cheaper, and fully supported.
c. You rely on Shopify automation
Shopify Payments is compatible with Shopify Flow, Shopify Balance, and Taxes, while third-party gateways may not be.
5. Feature and Cost Comparison
Feature | Shopify Payments | Adyen Payments |
|---|---|---|
Setup | Built-in | Requires Adyen account |
Gateway fees | None | Shopify adds external gateway fee |
Payouts | Managed by Shopify | Managed by Adyen |
Currencies supported | 130+ | 200+ |
Local payment methods | Limited | 150+ (e.g. iDEAL, Sofort, Bancontact) |
Reporting | Shopify Admin | Adyen Dashboard |
Integration level | Native | App-based |
Summary:
Shopify Payments offers simplicity and low cost; Adyen offers enterprise-level flexibility and cross-channel reporting
6. Verdict
What do we think:
• Choose Shopify Payments if you want the simplest, most integrated, and lowest-cost option.
• Choose Adyen Payments if you already process with Adyen, need unified reconciliation, or operate globally—especially within the EU.
Both deliver secure, high-performing checkout experiences but serve different operational needs.
7. How to Integrate Adyen with Shopify
Install the Adyen Payments App for Shopify.
Connect your Adyen merchant account.
Enable supported payment methods.
Test using Adyen’s sandbox.
Launch with unified reporting across channels.
