Stripe 2.9% vs. Adyen 0.6% vs. Braintree 2.59%: 2026 Fees
A comparison of payment processing fees for 2026 reveals that Adyen's interchange-plus model is generally more cost-effective for enterprise-scale businesses than the flat-rate models used by Stripe and Braintree. While Stripe offers superior developer tooling, the choice between providers often hinges on transaction volume and business model.
Why it matters
Choosing the right payment processor can save large enterprises millions of dollars annually, making it a critical financial decision.
At enterprise volume, Adyen is the cheapest of the three — interchange-plus from roughly 0.6% + €0.11 versus Stripe 's default 2.9% + 30¢ and Braintree's 2.59% + 49¢. That's the short answer. The longer answer is more interesting, because sticker price is almost never what an enterprise actually pays.
The analysis provides a balanced comparison of pros and cons for each service provider based on business needs.
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