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Education

Stripe and Adyen needing disparate solutions, these providers present
an end-to-end solution. Both companies orchestrate a
By Ken Musante merchant’s gateway, tokens and data.
Napa Payments and Consulting They have risk tools and robust dashboards for visibility
into authorization rates and for refining authorization
ike Stripe, Adyen is a competitor to traditional approval parameters. Both provide developer
acquirers. Both Stripe and Adyen have cool solu- documentation with clear, ample sample code and a test
tions that are built on a modern tech stack expos- environment. They both also have additional services such
L ing APIs to POS systems and vendors wishing to as loyalty and alternative payments that are valued by
support merchants within their proprietary ecosystems. larger merchants. Both also serve marketplaces allowing
Some solution providers and POS systems work exclu- for payouts as well as payments.
sively with Stripe and Adyen, shunning traditional acquir-
ers. Both companies are signing new partners regularly. Exclusivity

Coopitors Some vendors and POS providers have elected to
integrate only to Stripe or Adyen, so if a merchant wants
Both Stripe and Adyen can accommodate multi-country, a particular solution, a traditional acquirer may not be an
omnicommerce solutions, but there is a price. Merchants option. Like competitive payfac offerings, should a POS
and sales professionals should understand how to both solution integrate only with Stripe or Adyen, it could be
work with these offerings and, when appropriate, how difficult for a merchant services professional to monetize
to compete to provide the optimal solution, minimize the merchant setup.
processing costs and maximize efficiencies for merchant
clients. POS providers do this for several reasons. First, it takes
effort, discipline and talent to properly integrate with a
To be clear, there are many advantages to Stripe and processor. If a POS provider can work with a vendor
Adyen. A single platform with capabilities to support like Stripe or Adyen, the work is lessened because those
omnicommerce across the globe is valued. Instead of platforms are built with an API-first approach. They also

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