Adyen vs Zoho Checkout: Which Payment Gateways Is Better in 2026?
Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction — side by side, with no marketing spin.
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The Short Answer
Adyen vs Zoho Checkout, in 15 seconds
Choose Adyen if…
- You depend on a broad integration ecosystem
- You have strict security & compliance needs
Choose Zoho Checkout if…
- You want the lower entry price
- You need a genuinely free plan
Head-to-Head Scorecard
How Adyen and Zoho Checkout score
Adyen leads on 3 of 9 measured dimensions.
- Even
Customer Rating
Average score from verified user reviews
AdyenNo reviewsZohoNo reviews - Even
Review Volume
Number of verified reviews — a proxy for adoption
Adyen0Zoho0 - Zoho Checkout
Entry Pricing
Lowest published starting price (free plan = lowest)
AdyenCustomZohoFree - Zoho Checkout
Free Access
Availability of a free plan and/or free trial
AdyenPaid onlyZohoFree plan - Adyen
Integrations
Number of listed third-party integrations
Adyen7Zoho0 - Even
Features
Number of listed product capabilities
Adyen0Zoho0 - Even
AI Features
Capabilities mentioning AI, automation or ML
Adyen—Zoho— - Adyen
Security & Compliance
Number of listed compliance certifications
Adyen4Zoho— - Adyen
Platforms & Deployment
Supported platforms and deployment options
Adyen5Zoho3
Feature Comparison
Adyen vs Zoho Checkout feature breakdown
Search or filter the full feature matrix — core features, AI, integrations, APIs, security and compliance.
Adyen
Zoho CheckoutPricing Comparison
Adyen vs Zoho Checkout pricing
Entry pricing, plan tiers and the cost factors that shape total cost of ownership.
Adyen
Custom to start- Online payments
- Reporting
- Risk management
- Global acquiring
- In-store and online
- Full API access
- Marketplace payouts
- Data insights
Zoho Checkout
Free to start- Branded payment pages
- One-time payments
- Basic customization
- Recurring payments
- More transactions
- Advanced customization
- Integrations
Total cost of ownership factors
Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.
Pros & Cons
Adyen vs Zoho Checkout: strengths and trade-offs
Adyen
Pros
- Broad integration ecosystem (7)
- Compliance: PCI DSS, SOC 2, GDPR
- Public API available
Cons
- No free plan
- No free trial
- Pricing is quote-based (less transparent)
Zoho Checkout
Pros
- Free plan available
Cons
- Fewer native integrations than the alternative
- No compliance certifications listed
Buyer Fit
Who should use Adyen vs Zoho Checkout?
Startups
Zoho Checkout
Zoho Checkout keeps early-stage costs lowest with its entry tier.
Small businesses
Zoho Checkout
Zoho Checkout offers the most accessible pricing for lean teams.
Agencies
Adyen
Adyen connects to more tools for multi-client workflows.
Enterprises
Adyen
Adyen leads on compliance and breadth for complex needs.
Ecommerce
Adyen
Adyen integrates with more of the commerce stack.
SaaS companies
Adyen
Adyen is the more developer- and automation-friendly choice.
Integration overlap
Only in Adyen (7)
Only in Zoho Checkout (0)
Keep Exploring
Other alternatives worth considering
Similar payment gateways products buyers compare alongside Adyen and Zoho Checkout.
Ask SIA which solution fits your business
SIA, Saaskart's AI buying assistant, weighs Adyen and Zoho Checkout against your team size, budget, integrations and compliance needs — then recommends the right fit and the questions to ask each vendor.
Get a personalised recommendationAdyen vs Zoho Checkout — Frequently Asked Questions
What is the difference between Adyen and Zoho Checkout?
Adyen and Zoho Checkout are both Payment Gateways solutions. Adyen is rated 0.0/5 by 0 users, while Zoho Checkout is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.
Which is better, Adyen or Zoho Checkout?
Based on user ratings, Adyen scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.
Which is cheaper, Adyen or Zoho Checkout?
Zoho Checkout is the more affordable option with a free plan available.
Does Adyen or Zoho Checkout have a free plan?
Zoho Checkout offers a free plan. Adyen does not have a free tier but offers paid plans.
Can I switch from Adyen to Zoho Checkout?
Switching between Adyen and Zoho Checkout is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.
Who should use Adyen vs Zoho Checkout?
Adyen is best suited for teams that prioritise enterprise features. Zoho Checkout works well for teams looking to start free and scale.
Our Verdict
The bottom line on Adyen vs Zoho Checkout
Best Overall
Either
It's a tie balances user satisfaction and proven adoption.
Best for Startups
Zoho Checkout
Zoho Checkout has the friendliest entry point for new teams.
Best for Enterprise
Adyen
Adyen leads on compliance and feature breadth.
Best Value
Zoho Checkout
Zoho Checkout delivers the lowest cost to get started.
Best AI Features
Either
Comparable AI capabilities on both sides.
Highest Rated
Either
Both earn equal user ratings.