Stripe vs. Adyen vs. Checkout.com: Which Gateway Fits Your B2B Scale?

Stripe, Adyen, and Checkout.com offer unique features for B2B businesses: choose based on global reach, fees, and scalability to meet your business needs.

Stripe, Adyen, or Checkout.com: Which Gateway Scales Your B2B Business Best? ( B2B Payment Gateways)

In today’s fast-paced digital economy, payment gateways are the backbone of any successful B2B business. Whether you’re processing invoices, managing subscriptions, or handling cross-border transactions, choosing the right payment gateway can make or break your operations. Among the top contenders in the industry—Stripe , Adyen , and Checkout.com —each offers unique features tailored to different business needs. But how do you decide which one fits your B2B scale? Let’s dive into a detailed comparison to help you make an informed decision.


Why Choosing the Right Payment Gateway Matters

For B2B businesses, payment gateways are more than just tools for processing transactions—they’re critical to ensuring smooth cash flow, global scalability, and customer satisfaction. A poorly chosen gateway can lead to high fees, slow settlements, or even lost customers due to poor user experiences.

“The right gateway = seamless scaling—choose wisely for your B2B growth.”

For example, a manufacturing company expanding into Europe might need multi-currency support and localized payment methods, while a SaaS platform may prioritize subscription management and recurring billing. Each gateway caters to these needs differently.


Key Features to Compare: Stripe vs. Adyen vs. Checkout.com

When evaluating payment gateways, it’s essential to focus on features that align with your B2B needs. Here’s how Stripe, Adyen, and Checkout.com stack up:

1. Global Reach and Multi-Currency Support

  • Stripe:
    Supports over 135 currencies and operates in 47+ countries. Its robust API makes it ideal for startups and mid-sized B2B businesses looking to expand globally.

    “Stripe = developer-friendly—perfect for tech-savvy B2Bs.”

  • Adyen:
    Offers unparalleled global reach with support for 150+ currencies and localized payment methods like iDEAL, Alipay, and SEPA Direct Debit. It’s a favorite among enterprises with large-scale operations.
  • Checkout.com:
    Provides multi-currency support and focuses heavily on emerging markets, making it a strong contender for B2Bs targeting regions like Africa and Southeast Asia.

2. Subscription and Recurring Billing

  • Stripe:
    Stripe’s subscription management tools are second to none, offering automated invoicing, proration, and flexible billing cycles.
  • Adyen:
    While Adyen supports recurring billing, its focus is more on enterprise-level solutions rather than out-of-the-box subscription tools.
  • Checkout.com:
    Offers customizable subscription plans and integrates seamlessly with CRM systems, appealing to mid-sized B2Bs.

3. Fees and Pricing Transparency

  • Stripe:
    Known for its transparent pricing model, Stripe charges a flat rate of 2.9% + $0.30 per transaction, making it predictable but potentially costly for high-volume businesses.

    “Transparent fees = no surprises—Stripe keeps it simple.”

  • Adyen:
    Adyen’s pricing is tailored to each business, often requiring negotiation. While it can be cost-effective for large enterprises, smaller B2Bs may find it less accessible.
  • Checkout.com:
    Offers competitive rates with a focus on reducing cross-border transaction costs, making it attractive for international B2Bs.

4. Integration and Developer Tools

  • Stripe:
    Stripe’s APIs and developer tools are widely regarded as the best in the industry, enabling businesses to build custom solutions effortlessly.
  • Adyen:
    Adyen provides robust APIs but prioritizes enterprise clients, which can make it less accessible for smaller teams without technical expertise.
  • Checkout.com:
    Combines user-friendly interfaces with developer-friendly APIs, striking a balance between simplicity and customization.

5. Security and Compliance

All three gateways comply with PCI-DSS standards and offer advanced fraud detection tools. However:

  • Stripe:
    Focuses on small to mid-sized businesses with straightforward security setups.
  • Adyen:
    Offers enterprise-grade security, including 3D Secure 2.0 and tokenization.
  • Checkout.com:
    Provides AI-driven fraud prevention tailored to specific industries.

Who Should Choose Which Gateway?

  1. Stripe:
    Ideal for startups and mid-sized B2B businesses that prioritize ease of use, developer tools, and subscription management.

    Highlighted Sentence: “Stripe = innovation for startups—scale with confidence.”

  2. Adyen:
    Best suited for large enterprises with complex needs, high transaction volumes, and a focus on global expansion.

    “Adyen = enterprise powerhouse—built for global giants.”

  3. Checkout.com:
    Perfect for mid-sized B2Bs targeting emerging markets or those seeking a balance between affordability and advanced features.

    “Checkout.com = emerging market champion—scale smarter.”


Real-World Examples of Success

Businesses worldwide are already leveraging these gateways to drive growth:

  • Shopify (Stripe):
    Shopify uses Stripe to handle subscription payments and recurring billing for its merchants.
  • Uber (Adyen):
    Uber relies on Adyen for its global payments, benefiting from its extensive currency and payment method support.
  • Farfetch (Checkout.com):
    Farfetch uses Checkout.com to process payments across multiple regions, particularly in emerging markets.

Challenges to Consider

While each gateway has its strengths, there are challenges to address:

  1. Costs for High-Volume Businesses:
    Stripe’s flat-rate pricing can become expensive for businesses processing millions in transactions.

    “High volume = high costs—evaluate pricing carefully.”

  2. Complexity for Smaller Teams:
    Adyen’s enterprise focus may overwhelm smaller teams without dedicated technical resources.
  3. Market-Specific Needs:
    Businesses targeting niche regions must ensure their chosen gateway supports local payment preferences.

The Bigger Picture: Scaling Your B2B Business

Choosing the right payment gateway isn’t just about processing payments—it’s about creating a scalable, efficient, and future-proof financial ecosystem. By aligning your choice with your business size, goals, and global ambitions, you can unlock new opportunities for growth and customer satisfaction.

“Scale Smarter, Not Harder: The Gateway to B2B Success!”

As industries continue to evolve, businesses that embrace these innovations will lead the charge in agility, scalability, and customer satisfaction.


Conclusion: Which Gateway Fits Your B2B Scale?

Stripe, Adyen, and Checkout.com each cater to different segments of the B2B market. For startups and mid-sized businesses, Stripe offers simplicity and flexibility. For large enterprises, Adyen provides unmatched global reach and scalability. And for businesses targeting emerging markets, Checkout.com delivers affordability and localization. The key is to assess your unique needs and choose the gateway that aligns with your growth strategy.

So, ask yourself: Is your payment gateway ready to scale your B2B business?


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Ready to explore which payment gateway fits your B2B scale? Dive deeper into this groundbreaking comparison on TheFinRate.com
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