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Adyen vs Airwallex pour les équipes chargées des paiements internationaux et des finances
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Plus de 600 avis- Adyen: Commerce teams coordinating online, in-app, and in-person payments with acquiring and reporting across markets.
- Airwallex: International teams connecting payment acceptance with multi-currency accounts, FX, transfers, and financial operations.
- Compare the same market and payment product, then reconcile actual currency rows. Adyen and Airwallex report FX directions differently; Airwallex v1.1.0 records a cross-currency payout in one row. Match settlement and payout references before counting conversion or fees twice.
- Both providers have live Chargeflow connections for specialized dispute operations.
Adyen and Airwallex support international payment operations. Adyen connects acquiring with online, in-app, and in-person commerce; Airwallex combines payment acceptance with multi-currency financial tools. Evaluate how customer payments settle and how your business then uses those funds.
Start with the payment gateway comparison to build a wider shortlist, then use this guide to evaluate the two providers against the same merchant requirements.
Adyen vs Airwallex at a Glance
| Decision area | Adyen | Airwallex |
|---|---|---|
| Merchant fit | Commerce teams coordinating online, in-app, and in-person payments with acquiring and reporting across markets. | International teams connecting payment acceptance with multi-currency accounts, FX, transfers, and financial operations. |
| Platform approach | A unified commerce approach connecting payment acceptance, risk management, and acquiring. | Payment acceptance sits alongside business accounts, foreign exchange, spend tools, billing, and platform APIs. |
| Pricing scope | Processing fee plus payment-method pricing; region and commercial terms apply | Payment-method and account-specific pricing; quoted market and currency |
| Dispute workflow | Adyen can auto-defend applicable cases, including some refunded payments and liability-shift situations. Other cases require defense documents through the supported workflow. | Airwallex supports dispute management and emphasizes clear, reason-specific evidence submitted within the case deadline. Connect payment records with fulfillment and customer communication. |
Adyen vs Airwallex Pricing and Fees
Use the product and geography shown below. A card-processing price and a wallet checkout price describe different services. Compare the same transaction types, currencies, and commercial scope before estimating total cost.
| Pricing detail | Adyen | Airwallex |
|---|---|---|
| Published pricing and scope | Rate card shown in USD: $0.13 fixed fee per transaction plus a payment-method fee. For cards (Visa, Mastercard and others) the Interchange++ line reads $0.13 + interchange + scheme fees + 0.60%. Adyen states the fees are indicative, vary by country, and that tailored pricing is discussed with sales. Adyen pricing. | Payment pricing can include gateway, payment-method, and fraud or 3D Secure components. Blended and Interchange++ models are documented. US page, online cards: 2.8% + $0.30 domestic, 4.30% + $0.30 international; FX markup 0.5% above interbank rates on major currencies and 1% on others. Price FX, settlement, and optional services separately using your commercial terms. Airwallex pricing. |
| Dispute charges | Confirm the dispute fee schedule in the merchant agreement for the relevant country and payment method. | Confirm the dispute fee schedule for the account, currency, and dispute stage; payment acceptance rates do not establish chargeback fees. |
| Settlement questions | Adyen offers like-for-like settlement where the payment method supports the currency; the currency available depends on the country of the acquiring connection. Payouts can take up to two days to arrive. Confirm legal entity, acquiring region and settlement currency in the proposal. | Like-for-like settlement is offered in supported currencies, which avoids the FX fee charged when processing and settlement currencies differ. Confirm eligible currencies and the account-specific payout schedule. |
Apply each written proposal to the same representative month of your own payments, covering processing, international cards, conversion, refunds, disputes and optional products. The worked example below shows how one payment flows through those lines.
Match the Implementation to Your Business
Map your legal entities, selling channels, payment methods and settlement currencies, and ask each provider to price payment acceptance, account, conversion and supplier-payout services separately. A demonstration using your own order, settlement, refund and accounting records shows how each setup fits your team. Your storefront also affects order records and fulfillment data, so see our ecommerce platform comparison; if installments are in the plan, our BNPL comparison covers the related workflows.
Trace One Payment Through Currency Conversion and Supplier Use
This is one worked example, not a prediction. The merchant is based in the United States and sells in euros. The inputs marked illustrative are assumptions you should replace with your own quotes.
Show the Illustrative Currency Flow
| Étape | Adyen path | Airwallex path |
|---|---|---|
| Merchant and buyer | US-based merchant selling to a buyer paying by card in euros (presentment currency EUR). Same sale for both providers. | Same US merchant, same sale. |
| Gross amount | EUR 100.00 | EUR 100.00 |
| Acceptance cost | Interchange++ card line: $0.13 fixed + 0.60% (EUR 0.60) + interchange + scheme fees. Interchange and scheme fees depend on the card and are not published, so net cannot be computed from the rate card alone. | International card, US page: 4.30% (EUR 4.30) + $0.30 fixed. Net after the percentage fee: EUR 95.70. How the $0.30 is applied to a EUR payment is confirmed in the quote. |
| Settlement currency | EUR if the acquiring connection supports it, which is like-for-like with no conversion. Otherwise the primary settlement currency applies and a conversion happens at that point instead. | EUR through like-for-like settlement, held in the Airwallex account. No FX fee because processing and settlement currencies match. |
| Conversion event (counted once) | One conversion, EUR to USD, when the merchant pays a USD supplier. The converting party is the merchant bank or FX provider, or Adyen if USD settlement is chosen instead. Adyen does not publish a conversion rate or fee on the pages checked. | One conversion, EUR to USD, inside the account when paying the supplier. Illustrative inputs: EUR/USD interbank rate of 1.10 (an assumption, not a market quote). EUR 95.70 x 1.10 = USD 105.27; 0.5% markup (if EUR is in the major-currency group) = USD 0.53; result about USD 104.74. |
| Supplier payment | USD supplier paid by domestic USD transfer from the merchant bank account that received the EUR payout. Payout can take up to two days. | USD supplier paid by domestic USD transfer from the Airwallex account. |
| Transfer cost | Set by the merchant bank. Not published by Adyen. | Domestic USD transfers are listed as free on the US pricing page. SWIFT transfers are listed at $15 to $25 each. |
| Amount left for the supplier | Quote-dependent. Requires the interchange and scheme fees, the conversion rate and the bank fee. | About USD 104.44 after the $0.30 fixed fee, if it is deducted at face value in USD. Illustrative only. |
Line items that stay quote-dependent: Adyen interchange, scheme fees and country-specific rates; the Adyen settlement currencies available for your acquiring connection; the Adyen or bank conversion rate and fee; the Airwallex treatment of the $0.30 fixed fee on a EUR payment; whether EUR is in Airwallex's major-currency group; and any bank transfer fees. The example counts the EUR to USD conversion once per provider, so it does not compare a conversion by one party with a second conversion by the other. It does not show either provider producing a better outcome, because the result depends on the quoted rates.
Repeat the table with your own country, presentment and settlement currencies, supplier currency and written quotes. Then add a refund case: record the refund currency, funding account, original payment reference and any adjustment to fees or conversion.
Rates checked October 4, 2026: Adyen pricing, Adyen payout documentation, Adyen payout currencies, Airwallex US pricing, Airwallex fees and pricing models, Airwallex settlement report.
Match the Currency Rows Before Reconciling the Bank
To verify the EUR sale and USD supplier route above, trace the actual report rows. Adyen’s Settlement details report describes conversion from gross to net currency. Airwallex’s Transaction reconciliation report describes its Exchange Rate from settlement currency to transaction currency. Keep those directions explicit before reusing a rate.
- Match the original sale. Retain the merchant account, order and provider payment references, then find the related settlement entry.
- Trace each currency change once. Compare transaction and settlement currencies, amounts and fees. Airwallex v1.1.0 records a cross-currency payout as one row, rather than separate conversion-sell, conversion-buy and payout rows.
- Match the actual payout. Connect the batch or payout reference to the bank entry or supplier transfer. Keep pending rows separate from settled money and preserve the report’s date basis.
Show the Currency and Bank Matching Fields
| Checkpoint | Adyen Settlement details report | Airwallex Transaction reconciliation report v1.1.0 |
|---|---|---|
| Order and account | Retain Merchant Account, Psp Reference and Merchant Reference. Modification Reference identifies the capture, refund or chargeback request for the applicable journal type. | Retain Account Id, Transaction Id, Source Id and Source Entity. For Payments, keep Payment Intent Id, Payment Attempt Id and Order Id where supplied. |
| FX direction | Gross Currency and Net Currency identify the transaction and settlement currencies. Exchange Rate is 1 when they match; for external settlement it is Adyen’s reference rate, not the external acquirer’s actual rate. | Settlement Currency and Transaction Currency identify the two sides of the rate. A cross-currency payout includes Transaction Amount and Exchange Rate on its single payout row. |
| Fees and amounts | Reconcile the applicable gross and net debit or credit. Commission can be replaced by the separate Markup, Scheme Fees and Interchange columns; do not add both representations. | Retain Settlement Amount, Fee and Net Amount. Payout fees created after August 21, 2024 are separate financial transactions in this report version. |
| Bank and timing | For a MerchantPayout row, Modification Reference includes the account, batch and TX…XT payout reference found on the bank statement. | Keep Batch Id or the payout’s Reference, plus Status and Settled At. The report selects transactions by Created At and can contain Pending rows. |
Sources: Adyen settlement report fields, Airwallex transaction reconciliation report v1.1.0. Documentation checked October 7, 2026. Confirm the API version and payment setup used by your store.
Proposed finance check: reconcile one settled sale to its supplier payment, then repeat with a refund and a route where presentment and settlement currencies match. This is a proposed record trace, not an observed bank reconciliation or claim that either provider produces a better FX outcome.
Customer Example: Including Supplier Payments in the Evaluation
Airwallex’s McLaren Racing case study describes international supplier-payment runs using approval workflows and batch payouts. The finance team reports saving approximately half a day per month on those payment runs.
The operating lesson is to include onward use of funds in your evaluation of Adyen and Airwallex. McLaren’s reported time saving concerns its supplier-payment workflow. It does not measure checkout acceptance, compare Adyen performance, or establish a Chargeflow recovery result.
How Adyen and Airwallex Handle Disputes
Adyen Processus de traitement des litiges
Adyen can auto-defend applicable cases, including some refunded payments and liability-shift situations. Other cases require defense documents through the supported workflow. Adyen official dispute guidance.
Processus de traitement des litiges chez Airwallex
Airwallex supports dispute management and emphasizes clear, reason-specific evidence submitted within the case deadline. Connect payment records with fulfillment and customer communication. Airwallex official dispute guidance.
Compare what the payment provider already supplies with the order records your business contributes. Delivery confirmation, digital usage, cancellation terms, refunds, and support conversations should connect to the original payment. Our chargeback guide explains the lifecycle, and our compelling evidence guide explains the role of supporting records.
Evaluate Dispute Readiness With Your Own Orders
Run a practical exercise with anonymized examples from your business. This is a suggested evaluation method, not a published provider benchmark.
- Select relevant scenarios such as physical delivery, digital access, subscription cancellation, and partial refunds.
- For each scenario, record the case deadline, available evidence, additional records needed, and person responsible for submission.
- Check how the dispute result and fees reach finance reporting.
- Compare preparation time and data completeness using the same scenarios for both implementations.
How Chargeflow Supports Adyen and Airwallex Merchants
Chargeflow’s Adyen integration and Airwallex integration complement the providers’ payment tools with dedicated dispute operations. Chargeflow Automation supports evidence collection and recovery across supported connections. Confirm account scope and assign submission ownership during setup.
The Chargeflow integration documentation lists both connections as live; Airwallex is marked New. A payment-processor connection routes disputes into Chargeflow; commerce and communication connections add supporting records. Map the required sources before launch, or schedule a demo to review the workflow.
Adyen vs Airwallex: Frequently Asked Questions
How Should I Choose Between Adyen and Airwallex?
Choose by tracing how a customer payment settles and how you then use the funds. List your required countries, methods, channels, and operational tasks, then validate each provider’s proposed setup against that list.
Is Adyen Cheaper Than Airwallex?
Adyen and Airwallex costs depend on the product, country, transaction mix and commercial agreement. Adyen's indicative USD card line is $0.13 + interchange + scheme fees + 0.60%, and Airwallex's US page lists 2.8% + $0.30 domestic and 4.30% + $0.30 international cards. These are different pricing structures, so compare written quotes on the same transaction mix, as the worked example above does.
How Does Currency Conversion Work Between Adyen or Airwallex and a Supplier Payment?
Both providers describe like-for-like settlement, which avoids conversion when the settlement currency matches the payment currency. A conversion then happens once, when funds move to a supplier in another currency. Airwallex lists a 0.5% to 1% FX markup on its US pricing page; Adyen does not publish a conversion rate or fee on the pages checked, so the converting party and cost come from the proposal.
Can I Use Both Adyen and Airwallex?
A business can use Adyen and Airwallex together where its accounts, agreements, and integration support that arrangement. Define which provider handles each payment method or flow, and preserve a shared order reference for refunds, reconciliation, and dispute operations.
Does Chargeflow Work With Adyen and Airwallex?
Chargeflow’s current integration documentation lists both Adyen and Airwallex as live payment-processor connections. Confirm the required accounts and evidence sources during onboarding. Chargeflow complements the providers’ tools with specialized dispute operations.
Related Payment Comparisons
Sources and Review Method
Reviewed October 4, 2026 against the provider pricing, payout, settlement, dispute documentation, and Chargeflow integration sources linked beside the relevant claims. The featured providers are Chargeflow partners. This guide focuses on documented capabilities and merchant fit. Pricing figures are scoped to the stated market and product; the currency-flow example uses declared illustrative inputs; actual terms depend on the merchant agreement. No controlled provider performance benchmark is claimed.
rétrofacturation?
Ce n'est plus votre problème.
Récupérez 4 fois plus d'rétrofacturation s et PRÉVENTION jusqu'à 90 % des messages entrants, grâce à l'IA et à un réseau mondial de 20 000 commerçants.
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