Adyen for Platforms vs. Checkout.com Integrated Platforms: A Comprehensive Comparison

Choosing the Right Platform Payment Strategy for Your Marketplace or Platform Business

When selecting a payment solution for platforms and marketplaces, choosing between Adyen for Platforms and Checkout.com’s integrated platform is a fundamental decision regarding your infrastructure approach and growth strategy. Adyen for Platforms offers a mature, end-to-end embedded payments solution with extensive financial product capabilities built on years of marketplace expertise. At the same time, Checkout.com’s Integrated Platforms solution provides a highly customizable, modern payment infrastructure focused on flexibility and rapid implementation. This decision shapes not just your payment processing capabilities, but your entire platform ecosystem and ability to offer embedded financial services. Adyen processed over €1.2 trillion in total volume during 2024, with its platform business representing the company’s fastest-growing segment at 44% year-over-year growth, while Checkout.com processed over $225 billion in annual transaction volume with 40+ companies processing over $1 billion annually on its platform.

Key Takeaways

Market Maturity: Adyen for Platforms launched in 2016 with extensive marketplace experience, while Checkout.com’s Integrated Platforms solution launched in 2022 with an emphasis on modern, flexible infrastructure
Product Breadth: Adyen offers comprehensive embedded financial products, including issuing and business accounts, while Checkout.com focuses on core payment processing with advanced optimization features
Geographic Focus: Adyen for Platforms supports 27 European countries for onboarding sub-merchants, while Checkout.com Integrated Platforms operates across 150+ countries with a broader global reach
Customization Approach: Checkout.com emphasizes highly customizable solutions tailored to individual merchants, while Adyen provides standardized features deployed uniformly across all platform clients
Integration Philosophy: Adyen offers 100+ pre-built integrations with unified updates, while Checkout.com provides 50+ integrations with more customization flexibility

Payment Solution Type Overview

Modern platform payment solutions can be categorized into two distinct approaches based on their architectural philosophy and service breadth.

Comprehensive Platform Solutions combine payment processing with extensive embedded financial products and services. These platforms prioritize depth of features, providing capabilities like card issuing, business accounts, and working capital alongside core payment processing. They emphasize a complete ecosystem approach where platform businesses can offer a full suite of financial services to their users.

Infrastructure-First Platform Solutions focus on building highly flexible, modern payment infrastructure that prioritizes customization and technical excellence. These platforms emphasize adaptability, allowing platform businesses to tailor payment flows precisely to their needs while maintaining high authorization rates and performance optimization.

Adyen for Platforms Overview

Adyen for Platforms is an end-to-end payment solution for peer-to-peer marketplaces, on-demand services, crowdfunding platforms, or any other platform business model, enabling platform businesses to onboard users, process payments, and manage payouts through a single unified solution. Originally launched as MarketPay in 2017, the solution was rebranded as Adyen for Platforms, representing Adyen’s dedicated offering for the platform economy.

What Is Adyen for Platforms?

Adyen for Platforms allows platform and marketplace businesses to easily embed payments into their product with out-of-the-box solutions or fully customizable setups. The platform helps users sign up, sell, and get paid all in one place, with Adyen handling verification, compliance, and regulatory requirements. Beyond basic payment processing, Adyen for Platforms enables platform businesses to expand their offerings with embedded financial products, including card issuing, business accounts, and working capital solutions.

How Does Adyen for Platforms Work?

Adyen for Platforms operates as an integrated solution where platform businesses become the merchant of record, processing payments on behalf of their users while Adyen handles the underlying payment infrastructure. The platform provides comprehensive onboarding and verification capabilities, automated split payments, flexible payout scheduling, and detailed reconciliation reporting. Users can sign up and start accepting payments immediately after registration, with Adyen performing verification checks in the background or allowing platforms to use their own verification solutions.

Adyen for Platforms emphasizes removing complexity from platform operations by providing everything needed in one integrated system, from payment acceptance to fund management, reporting, and embedded financial services.

Adyen for Platforms Features and Pricing

Adyen for Platforms Features

End-to-end payment processing with support for 27+ payment methods
Automated seller onboarding and real-time verification
Split payments with flexible fund allocation at authorization or capture
Delayed capture for escrow functionality
On-demand and scheduled payouts to 27 supported European countries
Embedded card issuing with Mastercard and Visa
Business accounts for merchant fund management
Working capital through Adyen Capital
Comprehensive API and webhook infrastructure
Unified Commerce capabilities for omnichannel operations
Advanced fraud prevention with RevenueProtect
Detailed reconciliation and reporting tools
IRS Form 1099-K generation for US marketplace sellers

Adyen for Platforms Pricing

Interchange++ pricing model with transparent fee breakdown
Processing fee: Approximately €0.11 per transaction
Payment method fees vary by card type and region
No monthly fees, setup fees, or integration fees
Minimum invoice requirements based on business model
Custom pricing available for enterprise volumes
Transaction fees can be passed directly to platform users
Separate pricing for embedded financial products

Adyen for Platforms Transaction Fees

Standard processing fee plus payment method fee
Interchange fees are passed through transparently
Scheme fees are itemized separately
Adyen markup and commission fees clearly defined
Four granular fee types: Interchange, Scheme Fee, Markup, Commission
Fees can be allocated to platform or user balance accounts
Chargeback fees vary based on transaction type

Adyen for Platforms Strengths and Weaknesses

Strengths of Adyen for Platforms

Mature Solution: Launched in 2016 with years of marketplace-specific development and refinement
Comprehensive Ecosystem: Extensive embedded financial products beyond payments including issuing and business accounts
Proven Scale: Part of Adyen’s infrastructure that processed over €1.2 trillion in 2024
Unified Platform: Single technology stack with consistent features across all implementations
Strong European Presence: Deep regulatory expertise and local acquiring across European markets
Financial Products: Complete embedded finance suite with card issuing, business accounts, and capital
Unified Commerce: Seamless integration between online and in-person payment channels

Weaknesses of Adyen for Platforms

Geographic Limitations: Sub-merchant onboarding limited to 27 European countries versus competitors’ global reach
Standardization Focus: Less customization flexibility compared to competitors prioritizing bespoke solutions
Complexity: More comprehensive feature set can mean steeper learning curve
Minimum Requirements: Minimum invoice amounts may not suit all marketplace sizes
Currency Support: Supports 30+ currencies versus competitors offering 150+ currencies

Who Benefits the Most From Adyen for Platforms?

Adyen for Platforms Is Best For

European Marketplaces: Platforms primarily operating in the 27 supported European markets
Omnichannel Platforms: Businesses requiring both online and in-person payment capabilities through Unified Commerce
Financial Services Seekers: Platforms wanting to offer comprehensive embedded financial products to users
Established Platforms: Businesses with sufficient volume to meet minimum invoice requirements
Compliance-Conscious Operations: Platforms prioritizing regulatory compliance and built-in verification
Growth-Focused Platforms: Businesses wanting to expand platform offerings beyond basic payments

Ideal Use Cases For Adyen for Platforms

European peer-to-peer marketplaces requiring split payments and escrow
On-demand service platforms need flexible payout scheduling
Crowdfunding platforms require comprehensive fund management
Multi-vendor marketplaces wanting to offer embedded financial services
Platforms requiring both online and physical payment acceptance
SaaS platforms looking to monetize payments as a revenue stream

Checkout.com Integrated Platforms Overview

Checkout.com’s Integrated Platformshttps://dev.paytechguide.com/product-details/checkout-move
is a comprehensive payment solution designed specifically for marketplaces and payment facilitators, launched in 2022 to address the surge in marketplace growth and the evolving needs of platform businesses in the digital economy.

What Is Checkout.com’s Integrated Platforms?

Checkout.com’s Integrated Platform solution provides marketplaces and payment facilitators with unified capabilities for onboarding, payment processing, fund transfers, and payouts through fully integrated APIs. The solution is built for sophisticated, customer-centric marketplaces that need bespoke payment flows tailored to their specific business requirements. Unlike standardized solutions, Integrated Platforms enables merchants to own the relationship with sellers, control movement of funds, and ultimately improve the seller experience through highly customizable implementations.

How Do Checkout.com’s Integrated Platforms Work?

Checkout.com’s Integrated Platforms solution operates through a flexible API-first approach where marketplaces can build customized payment experiences while Checkout.com handles the underlying infrastructure. The platform provides pre-built onboarding forms with automated identity verification, automated split payments and commission structures, instant balance transfers between accounts, and real-time payouts to bank accounts and cards globally. The solution emphasizes data-driven money movement, giving platforms granular control over how funds flow into, across, and out of their ecosystem.

The platform focuses on empowering marketplaces to build deep relationships with sellers through efficiency, offering seamless experiences that help attract and retain high-value users in an increasingly competitive marketplace landscape.

Checkout.com Integrated Platforms Features and Pricing

Checkout.com Integrated Platforms Features

Streamlined seller onboarding with pre-built forms and automated KYC/KYB
Automated split payments at authorization, capture, or partial capture stages
Multiple commission types: fixed, variable, and compound fees per seller
Instant balance transfers between platform and seller accounts
Real-time, 24/7 payouts to bank accounts in 40+ countries
Real-time card payouts to 4+ billion cards in 174+ countries
150+ currency support with 20+ settlement currencies
Comprehensive payment method support including cards, digital wallets, and local payment methods
Built-in PSD2, 3DS, and SCA compliance
Global sanction screening and AML monitoring for payouts
Unified dashboard for transaction management and reconciliation
Advanced fraud prevention and risk management tools
Location-based data capture and instant bank account verification
On-demand and custom payout schedules

Checkout.com Integrated Platforms Pricing

Customized pricing based on business profile and volume
Interchange++ pricing model for transparency
No monthly fees, setup fees, or integration fees
Transaction-based pricing with competitive enterprise rates
Custom pricing for high-volume operations
Tiered pricing model available for different merchant sizes
Free payment processing for registered charities

Checkout.com Integrated Platforms Transaction Fees

Per-transaction fees: Typically 2.3-2.9% + $0.30 depending on volume
Transparent interchange and scheme fees passed through
Custom fee structures available for enterprise clients
Payment method fees vary by type and region
Real-time payout fees apply for instant transfers
Chargeback and refund fees based on transaction type

Strengths and Weaknesses of Checkout.com’s Integrated Platforms Solution

Strengths of Checkout.com Integrated Platforms Solution

Customization Focus: Highly tailored solutions designed to meet specific marketplace requirements
Global Reach: Operates in 150+ countries with extensive international coverage
Modern Infrastructure: Cloud-native architecture built for performance and scalability
Fast Implementation: Rapid deployment with some clients going live in under 6 weeks
Real-Time Capabilities: 24/7 instant payouts and real-time balance management
Flexibility: API-first design allows for bespoke payment flow customization
Enterprise Support: Dedicated support with 40+ companies processing $1+ billion annually
Performance Focus: Advanced optimization tools and high authorization rates

Weaknesses of Checkout.com Integrated Platforms

Newer Solution: Launched in 2022, less marketplace-specific history than competitors
Limited Financial Products: Focuses primarily on payment processing without extensive embedded finance offerings
Integration Count: 50+ integrations versus competitors offering 100+
No Physical Presence: No brick-and-mortar POS capabilities, purely online-focused
Pricing Transparency: Less publicly available pricing information compared to some competitors

Who Benefits the Most From Checkout.com Integrated Platforms?

Checkout.com Integrated Platforms Is Best For

Global Marketplaces: Platforms requiring 150+ currency support and worldwide operations
Customization-Seeking Platforms: Businesses needing bespoke payment flows and tailored implementations
High-Growth Operations: Companies prioritizing rapid scaling and fast time-to-market
Seller-Centric Marketplaces: Platforms wanting to own the seller relationship and provide superior seller experiences
Online-Only Platforms: Businesses not requiring physical point-of-sale capabilities
Performance-Focused Businesses: Platforms prioritizing authorization rates and payment optimization

Ideal Use Cases For Checkout.com Integrated Platforms

Global e-commerce marketplaces requiring multi-currency support
Gig economy platforms needing instant payout capabilities
On-demand service marketplaces prioritizing seller cash flow
International platforms expanding across multiple regions
Digital marketplaces requiring flexible commission structures
High-volume operations seeking customized payment solutions

Financial & Market Insights

Market Position: Adyen processed €1,285.9 billion (approximately $1.35 trillion) in total payment volume during 2024, representing a 33% year-over-year increase. Within this, Adyen for Platforms saw 44% volume growth, making it Adyen’s fastest-growing commercial segment. The Platforms business added 57,000 platform customers in a 12-month period, bringing the total to 96,000 platform users. In H1 2025, active business customers on Platforms grew to 193,000 from 104,000 in H1 2024.

Checkout.com processed over $225 billion in annual transaction volume, with 40+ companies processing over $1 billion annually on its platform. The company achieved 40% net revenue growth in 2024, with 45% growth in commerce and fintech services representing approximately 95% of total volumes. On Black Friday 2024, 67 merchants processed over $10 million in a single day with 99.999% uptime.

Growth Trajectories: Adyen continues expanding its Platforms offering with strategic focus on embedded financial products. Adoption of card issuing has been particularly strong, with customer count nearly doubling year-over-year and processed volume surpassing €2 billion. The company maintains its position as a publicly-traded company with transparent financial reporting and strong institutional backing.

Checkout.com achieved profitability by the end of 2024 and is targeting 30% revenue growth for 2025 while maintaining profitability. The company is set to process more than $300 billion in total e-commerce payment volume in 2025. Strategic enterprise wins include eBay in 2025, adding to a client roster of Netflix, Pinterest, Vinted, Temu, and Uber Eats.

Investment and Innovation: Adyen operates as a publicly-traded company (ADYEN:AMS) and maintains strong cash reserves while investing heavily in platform intelligence and embedded financial services. The company’s net revenue reached €1,093 million in H1 2025, up 20% year-over-year.

Checkout.com raised $1.8 billion in total funding, including a $1 billion Series D in January 2022 at a $40 billion valuation. The company’s valuation was later adjusted to $12 billion in September 2025 through an employee share buyback program. Checkout.com employs 2,000 people globally across 19 offices and is on track to increase headcount by 15% in 2025.

Feature Comparison

Feature	Adyen for Platforms	Checkout.com Integrated Platforms
Billing & Invoicing	✅	✅
Currency Support	✅	✅
Customizable Branding/White Label	✅	⚠️
Deployment Options	✅	⚠️
Fraud Prevention Tools	✅	✅
Integration Capabilities	✅	✅
Management Tools	✅	✅
Payment Types Support	✅	✅
Reconciliation Tools	✅	⚠️
Reporting & Data Analysis	✅	✅
Security/Compliance	✅	✅
Smart Routing	✅	✅
Split Payments	✅	✅
Supported Payment Methods	✅	✅
Tokenization	✅	✅
Vaulting	✅	✅

Final Summary & Recommendation

Key Reasons to Choose Adyen for Platforms

Your platform primarily operates within the 27 supported European countries for sub-merchant onboarding
You want to offer comprehensive embedded financial products including card issuing, business accounts, and working capital
You require both online and in-person payment capabilities through Unified Commerce
You prefer a mature, proven solution with years of marketplace-specific development since 2016
You value standardized feature deployment ensuring consistent experiences across all implementations
You want access to 100+ pre-built integrations with major platforms
Your business model benefits from Adyen’s complete financial technology ecosystem

Key Reasons to Choose Checkout.com Integrated Platforms

Your platform operates globally and requires 150+ currency support across multiple regions
You need highly customized payment flows tailored to your specific business requirements
You prioritize rapid implementation and fast time-to-market
You want to own the seller relationship with maximum control over the user experience
Your platform is online-only without physical point-of-sale requirements
You need real-time, 24/7 payout capabilities to 4+ billion cards globally
You value modern, cloud-native infrastructure built for performance optimization

The Bottom Line: The choice between Adyen for Platforms and Checkout.com Integrated Platforms largely depends on your geographic focus, customization requirements, and need for embedded financial services. Adyen for Platforms excels for European-focused marketplaces wanting comprehensive embedded finance capabilities, proven infrastructure, and omnichannel presence. Checkout.com Integrated Platforms is ideal for globally-focused, online-only marketplaces prioritizing customization, modern infrastructure, and rapid scaling.

Adyen offers depth through its mature embedded financial product suite and unified commerce capabilities, making it excellent for platforms wanting to build a complete financial ecosystem. Checkout.com provides breadth through global reach and flexibility, making it perfect for platforms requiring bespoke solutions and international coverage.

Both solutions serve enterprise-grade marketplaces and platforms, with the decision coming down to whether you prioritize breadth of embedded financial services and European strength (Adyen) or global customization flexibility and modern infrastructure (Checkout.com).

This comparison is based on publicly available information as of October 2025. Pricing and features may vary based on specific business requirements and negotiations with each provider.