Bridge Pay vs Adyen
Adyen requires €10M in annual volume. Bridge Pay reviews your application from the first euro, with no volume minimum.
Adyen is the choice of large enterprises (Uber, Spotify, eBay), but its high volume minimums and selectivity make it inaccessible to SMBs and startups. Bridge Pay serves the SMBs and sectors Adyen does not review.
The criterion-by-criterion comparison
Eleven criteria that actually matter when your business is off the beaten path: from risk policy to payout times.
| Criterion | Adyen | Bridge Pay |
|---|---|---|
| Accepted sectors | Weakness Large enterprises only Minimum €10M/year, very selective | Strength 28 high-risk sectors accepted Expertise in crypto, gaming, CBD, coaching, trading... |
| Risk policy | Weakness Selection based on volume Applications below the minimum are not reviewed | Strength Application reviewed by an analyst Sector validated before the first transaction |
| Pricing | Weakness Variable + €0.10 Negotiated rates, opaque for small volumes | Strength 4.8% + €0.55 Fair price for risk management |
| KYC timeline | Weakness 2-4 weeks Thorough due diligence | Strength First response within 24-48h KYC optimized for high-risk |
| High-risk support | Weakness Dedicated account manager Reserved for high-volume accounts | Strength Expert high-risk support Specialized team per sector |
| Rolling Reserve | Weakness Negotiated Based on risk profile | Weakness 5-10% for 90 days Released after 90 days, negotiable based on track record |
| API & Integration | Strength Enterprise API Powerful, enterprise-grade documentation | Strength Modern REST API Complete documentation, webhooks |
| Payout delays | Weakness T+3 standard Customizable | Strength 3 business days Industry standard |
| Currencies | Strength 150+ currencies Worldwide coverage | Strength 30+ currencies EUR, USD, GBP, CHF, CAD... |
| Crypto support | Weakness Limited Some cryptos for big clients | Strength 50+ cryptocurrencies BTC, ETH, USDT, USDC... |
| Chargeback protection | Strength Advanced tools RevenueProtect, machine learning | Strength Advanced protection Prevention tools + dispute support |
Adyen sources: public price list and terms of service, checked in November 2026. Bridge Pay rates: public price list.
Verdict: Which solution to choose?
Adyen is arguably Europe's most accomplished payment infrastructure: a single platform, global coverage and clients like Uber and Spotify.
But it's an enterprise tool, built for seven-figure volumes: a high entry ticket, onboarding measured in weeks, and limited appetite for SMBs in sensitive sectors. If you process several million euros a month in a classic activity, Adyen deserves a look.
For everyone else (the CBD store just starting out, the coaching platform at €80,000/month, the growing crypto exchange) Bridge Pay offers what Adyen doesn't: an account accessible from the first euro, a first response within 24-48h, and a team that reviews high-risk applications instead of setting them aside.
What it changes for you
- 01
Cash flow
No minimum volume and no commitment: you pay per transaction, with no entry fee and no threshold to reach.
- 02
Right-sized
An offer built for SMBs and startups: you do not need a legal department or a payments project manager to get started.
- 03
Integration
REST API, webhooks and WooCommerce, Shopify and PrestaShop plugins: you connect Bridge Pay to your existing store, without an enterprise integration project.
Choose Adyen if:
- You process more than €10M annual volume
- You're an established enterprise
- You need worldwide coverage
- You can wait weeks for onboarding
Choose Bridge Pay if:
- You've been refused by other PSPs
- You're in a high-risk sector
- You want fast and adapted KYC
- You're looking for expert support
- You accept a slightly higher rate
Refused by Adyen? Open an account that accepts your sector.
Your application is reviewed by an analyst, first response within 24-48h. No commitment.
- 10,000+ merchants
- Payouts in 3 business days
- Support Mon-Fri 9am-6pm