Stripe 2.9% vs. Adyen 0.6% vs. Braintree 2.59%: 2026 Fees

Adyen offers the lowest processing costs for enterprises at approximately 0.6% + €0.11 through interchange-plus pricing, while Stripe charges a default 2.9% + 30¢ but excels in developer experience and embedded fintech tools, and Braintree (2.59% + 49¢) is the preferred choice only when native PayPal and Venmo integration is required. Stripe processed $1.9 trillion in 2025 payment volume (up 34% year-over-year) and reached a $159 billion valuation, while Adyen processed €1,394.3 billion, with the optimal choice depending on transaction volume, business model, and desired ownership of the payments stack.