RONPAY and Adyen

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Adyen is a Dutch payment platform used by many large international merchants, and it works on Interchange++ just as we do. Its published price for Visa and Mastercard is Interchange++ plus 0.60%, plus a fixed processing fee per transaction, around 0.11 EUR for Europe. RONPAY charges the card's real interchange, scheme fees, a margin from 0.55% and 0.05 EUR per transaction.

Side by side

	RONPAY	Adyen
Pricing model	IC++	Interchange++
Visa and Mastercard	Interchange + scheme fees + margin from 0.55% + 0.05 EUR	Interchange++ + 0.60% + processing fee (about 0.11 EUR for Europe)
100 EUR, European consumer debit card	0.80 EUR + scheme fees	about 0.91 EUR + scheme fees
Monthly or setup fee	No	No
Minimum	No monthly minimum	Minimum invoice depending on industry or business model
Onboarding	Online account, usually active within 1 - 24 h	Through the sales team
Settlement	Usually within 24 - 48 h	Depends on method and contract; for cards typically up to 7 days

Public data, checked on 30 September 2026. Scheme fees under IC++ are not included in the RONPAY figures; you see them separately on your invoice.

How close the two are

Very close on price, because the model is the same: you pay the real interchange of each card. The difference is in what sits on top. At RONPAY that is 0.55% and 0.05 EUR; at Adyen it is 0.60% and a processing fee of about 0.11 EUR. On a 100 EUR payment the gap is about 0.11 EUR, before scheme fees.

When Adyen may be the right choice

If you are a large merchant with payments in many countries, need a single platform for online, in-store and marketplace flows at global scale, or want a provider that is itself a licensed bank. Adyen is built for that size of business.

If you are a small or mid-sized business and want to start in hours, with no minimum invoice and a team that answers you directly, RONPAY is the simpler route.

Sources

We used only the providers' public pages, read on 30 September 2026. If something has changed since, write to us and we will update the comparison.

QUESTIONS

RONPAY or Adyen

Is RONPAY cheaper than Adyen?

Slightly, on published prices: both pass through the real interchange, and on a 100 EUR payment with a European consumer debit card RONPAY costs about 0.80 EUR against about 0.91 EUR at Adyen, before scheme fees on both sides.

Do I need a minimum volume at RONPAY?

No. There is no monthly minimum and no monthly fee. Adyen states on its pricing page that it has a minimum invoice depending on industry or business model.

How quickly can I start with RONPAY?

You create the account online, upload your company documents, and the account is usually active within 1 - 24 hours. Then you install a plugin or connect the API.

Want to see what it would cost you?

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