Adyen is an enterprise financial technology platform spanning acquiring, online and in-person payments, risk, embedded finance, and payouts.
Macropay serves software and AI teams that want a focused merchant-of-record layer with native usage billing instead of a broad enterprise payments estate.
| Area | Macropay | Adyen |
|---|---|---|
| Published pricing | 4.5% + 50¢ per transaction, all-in | 13¢ processing fee + payment-method fee |
| Product category | AI-first Merchant of Record | Enterprise financial technology platform |
| Operating model | Merchant of Record by default | Unified acquiring, processing, risk, in-person payments, and money movement |
| Merchant of record | Macropay for covered transactions | Your business generally remains the merchant |
| Tax calculation & collection | Included for covered transactions | Adyen processes the payment. Your checkout can send tax amounts, but Adyen does not generally become the legal seller of your software. |
| Tax filing & remittance | Included for covered transactions | Your business retains registrations, returns, remittance, and audit responsibility. Payment processing is not tax filing. |
| International & FX | Included in the published transaction price | Interchange, card-scheme fees, Adyen markup, and the 13¢ processing fee |
| Billing focus | AI, agents, SaaS, and usage-based products | Large omnichannel and global enterprise payment operations |
Product scope and eligibility can vary by country and contract. Review Adyen's official product information.
A true comparison includes payment fees, tax liability, filing, international sales, billing software, and the people operating the stack.
Per transaction, with the core global revenue workflow included.
Adyen publishes Interchange++ or method-specific pricing. Card cost varies with interchange, scheme fees, Adyen markup, region, card, and transaction type; other products are priced separately.
A processor may accept a tax amount at checkout—or connect to a tax calculator—without becoming the legal seller that registers, files, remits, and answers an audit.
Adyen: Adyen processes the payment. Your checkout can send tax amounts, but Adyen does not generally become the legal seller of your software.
Macropay: Included for covered transactions.
Adyen: Your business retains registrations, returns, remittance, and audit responsibility. Payment processing is not tax filing.
Macropay: Macropay files and remits for covered transactions.
Adyen: Your team retains tax responsibility
Macropay: The MoR is the legal seller for covered transactions.
Export costs by region, card type, payment method, and acceptance channel. Add the software and people required for billing and tax before comparing with one MoR fee.
Adyen can be the stronger fit when its existing ecosystem, operating model, or payment footprint is central to your roadmap.
Your business generally remains the merchant
Adyen processes the payment. Your checkout can send tax amounts, but Adyen does not generally become the legal seller of your software. Your business retains registrations, returns, remittance, and audit responsibility. Payment processing is not tax filing.
Adyen: 13¢ processing fee + payment-method fee. Macropay publishes 4.5% + 50¢ per transaction, including its Merchant of Record, tax, fraud, dispute, and payout operating layer. Eligibility and contracted terms can vary.
Rates shown are published US or global list prices where available. Region, risk, volume, payment method, product eligibility, and contract can change actual pricing and tax scope. This comparison is not tax advice.
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