The verdict in three sentences
Adding online payments in Dublin costs EUR 6,000-20,000 over 3-6 weeks, on top of gateway fees of 1.4-2.9 % per transaction. The right provider shrinks your PCI-DSS scope to the minimum (SAQ A) and lifts conversion by cutting cart abandonment 15-25 %. The Stripe vs Adyen choice depends on your volume, your markets and your orchestration needs.
Stripe vs Adyen: the 2026 costs
Both cover cards, wallets (Apple Pay, Google Pay) and SEPA, but their pricing model diverges by volume.
| Criterion | Stripe | Adyen |
|---|---|---|
| EU card fee | 1.5 % + EUR 0.25 | Interchange++ ~0.6-1.2 % + EUR 0.11 |
| SEPA Direct Debit | EUR 0.35 | ~EUR 0.20 |
| Wallets | Included | Included |
| Break-even | < EUR 500k/yr | > EUR 1M/yr |
| Integration | Fast | More technical |
| PCI-DSS | SAQ A | SAQ A |
Stripe wins on simplicity and small volumes; Adyen becomes cheaper above roughly EUR 1M in volume thanks to interchange++.
Integration cost and PCI-DSS scope
Cost depends on the number of payment methods, refund handling and compliance.
| Item | Range (EUR) | Timeline |
|---|---|---|
| Cards + wallets integration | 4,000 - 9,000 | 2 - 3 wks |
| SEPA + bank transfer | 1,500 - 4,000 | 1 wk |
| Webhooks + reconciliation | 2,000 - 5,000 | 1 - 2 wks |
| PCI-DSS compliance (SAQ A) | 500 - 2,000 | Ongoing |
| Total | 6,000 - 20,000 | 3 - 6 wks |
Using hosted fields (Stripe Elements, Adyen Components), you stay in SAQ A, the lightest PCI-DSS level: you never touch card data.
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Mini case study
Aoife, owner of a design-furniture SMB in Dublin, does EUR 900,000 in online sales with a 68 % cart abandonment rate for lack of wallets and smooth checkout. She invests EUR 12,000 in a Stripe integration (cards, Apple Pay, SEPA) with automatic reconciliation. Abandonment drops to 55 %, a conversion uplift of about 20 %. On EUR 900,000 that adds nearly EUR 180,000 in annual sales; at 18 % margin (~EUR 32,400), the integration pays back in under six months, gateway fees included.
FAQ
What does adding online payments cost in Dublin in 2026? EUR 6,000-20,000 depending on payment methods, reconciliation and webhooks. A standard cards + Apple Pay + SEPA integration lands around EUR 10,000-13,000.
Stripe or Adyen for an SMB? Stripe for simplicity and under EUR 500k volume; Adyen above EUR 1M thanks to finer interchange++ pricing.
How do I reduce PCI-DSS scope? Use the provider's hosted input fields: you stay in SAQ A and never store card data, which greatly lightens the audit.
What are the per-transaction fees? Budget 1.4-2.9 % by card type and country, plus a fixed EUR 0.11-0.25; SEPA runs EUR 0.20-0.35 per direct debit.
Does smooth checkout really cut abandonment? Yes: wallets and optimised checkout typically cut cart abandonment 15-25 %, one of the fastest ROIs in e-commerce.
Let's scope your project. Tell us your annual volume, markets and target payment methods: we cost the integration and compare Stripe vs Adyen. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
