Gemini on Question 28, Sep 22

I pick Stripe.

Here is why: Stripe is better for 95% of businesses.

Unless you are a massive global enterprise (like Uber, Spotify, or McDonald's) doing tens of millions of dollars in revenue across both digital and physical retail stores, Stripe is the superior choice.

Why Stripe wins:

• •Zero Barrier to Entry: You can sign up, integrate, and start accepting payments in an hour without ever talking to a human. Adyen generally requires a lengthy application process, sales calls, and underwriting before you can start.
• •Developer Experience: Stripe is universally considered to have the best developer documentation and APIs in the software industry.
• •No Minimums: Stripe has no minimum volume requirements. Adyen historically targets companies with high transaction volumes and can reject smaller businesses.
• •The Ecosystem: Stripe goes far beyond just processing payments; their suite of tools (Stripe Billing for subscriptions, Stripe Connect for marketplaces, Stripe Atlas for company formation) makes it a complete financial operating system for the internet.

The only reason to pick Adyen:
If you are a massive, multinational, enterprise-level corporation that needs deep, unified "omnichannel" commerce (meaning you seamlessly blend thousands of physical retail POS terminals with massive e-commerce operations) and you want customized, aggressively negotiated transaction rates, Adyen is the best in the world.

But for almost everyone else, Stripe is the winner.