Online payments for an SMB in Amsterdam: Stripe vs Adyen fees in 2026

The verdict in three sentences

For an SMB collecting 1.2 million EUR a year online in the Netherlands, with 30% of baskets above 1,000 EUR in B2B, the payment provider choice is worth 4,000 to 9,000 EUR a year in fees. Stripe (1.5% + 0.25 EUR for standard European cards, flat fee for iDEAL) is the easiest to integrate, while Adyen on interchange++ (interchange and scheme fees passed through, plus an Adyen fee from about 0.60 USD-equivalent per card transaction, ballpark) becomes cheaper once volumes and B2B card baskets grow. Integration costs 2,000 to 6,000 EUR, and for large B2B baskets, SEPA transfer or direct debit cuts the bill further.

2026 pricing at a glance

These rates are 2026 ballpark figures from public price lists and observed contracts. The Netherlands has a specific mix: iDEAL accounts for well over half of consumer online payments, and its gradual migration to Wero during 2026 should keep flat per-transaction pricing. B2B baskets are the expensive part: commercial cards fall outside the EU interchange cap.

Simulation on 1.2 million EUR of annual takings

Assumptions: 840,000 EUR of consumer baskets at 85 EUR on average, 60% via iDEAL (about 5,900 payments) and 40% by card (about 3,950 payments), plus 360,000 EUR of B2B baskets at 1,800 EUR (200 payments) paid by commercial card.

The Stripe to Adyen gap is about 3,900 EUR a year here, and close to 9,400 EUR when comparing Stripe on everything with Adyen plus SEPA transfers for B2B. Stripe keeps real advantages: native Apple Pay and Google Pay, recurring billing, Link, and excellent APIs and dashboard, which matter if your tech team is small.

Mini case study

Daan, managing director of an SMB selling catering equipment online from Amsterdam, collects 1.2 million EUR a year on Stripe and pays about 14,600 EUR in fees. He keeps Stripe for Apple Pay on mobile but moves cards and iDEAL to Adyen on interchange++ and offers SEPA transfer with a 1% discount to trade customers above 1,000 EUR. Integration cost: 5,200 EUR. His fees fall to about 6,000 EUR a year, i.e. 8,600 EUR saved annually and payback in about seven months.

FAQ

Can we use two providers at once? Yes, many SMBs combine a main provider with a second one for mobile wallets or as backup. Dual integration adds 1,500 to 3,000 EUR.

Does 3D Secure hurt conversion? With PSD2 strong customer authentication, the loss is around 2 to 5% on mobile. Exemptions for low amounts and trusted customers reduce the effect.

How fast are payouts? Stripe pays out in 2 to 7 days depending on account history in the Netherlands, while Adyen typically settles in 1 to 3 days.

Does Adyen accept small merchants? Adyen targets larger volumes and may apply minimum invoices or decline very small accounts. From about 1 million EUR a year, the interchange++ model usually pays off.

Should B2B baskets go through cards? Above 1,000 EUR, SEPA transfer or direct debit costs 0.20 to 0.50 EUR versus 20 to 35 EUR in card fees. Many trade buyers also expect 30-day invoice terms.

Let's scope your project. Send us your annual volume, B2B share and e-commerce platform, and we will simulate your fees on both providers and price the integration with a precise timeline. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.