Adyen vs Ryft: Complete UK Marketplace Comparison 2026

Adyen processes payments for enterprise platforms. Ryft provides FCA-licensed payment processing built specifically for UK marketplaces. This 2026 comparison examines pricing, implementation, and marketplace features to help platforms choose the right solution.

Both platforms support split payments, seller onboarding, and multi-currency processing. The key differences lie in implementation timelines, pricing transparency, and target market focus.

In Summary

Adyen targets enterprise platforms with Interchange++ pricing and extended implementation cycles. Ryft serves UK marketplaces of all sizes with volume-based pricing and fast integration. Adyen suits high-volume enterprises with dedicated technical teams processing £10M+ annually. Ryft works better for growing UK platforms requiring regulatory compliance, rapid deployment, and dedicated human support available 24/7.

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Pricing Comparison: Adyen vs Ryft

Adyen Pricing Structure

Adyen uses Interchange++ pricing with transparent published rates. The model separates interchange fees, scheme fees, and Adyen's processing markup for complete cost visibility.

Standard processing fees start at €0.11-€0.15 per transaction plus interchange and scheme fees. Enterprise clients negotiate volume-based discounts as transaction volumes increase.

Adyen has minimum monthly invoice requirements that vary by industry and business model. Additional costs include currency conversion charges and dispute fees not publicly listed.

Ryft Pricing Structure

Ryft offers volume-based pricing with transparent rate cards. Costs decrease automatically as transaction volume increases, with no minimum volume requirements.

The platform includes split payment functionality, seller onboarding, and dedicated human UK support in standard pricing. No hidden fees for essential marketplace features.

Tuft reduced payment processing costs by 62% switching from Stripe to Ryft through volume-based pricing. Similar savings apply when comparing volume-based models to flat-rate or enterprise pricing structures.

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Implementation: Adyen vs Ryft

Adyen Implementation Process

Enterprise Adyen implementations typically require 3-6 months for complex marketplace integrations. The platform provides powerful infrastructure but requires significant custom development for sophisticated use cases.

Technical teams must build split payment logic, seller onboarding workflows, and settlement processes using Adyen's APIs. The platform offers flexibility through customisation but requires substantial developer resources.

Enterprise implementations include dedicated integration support and technical account management. This suits platforms with established development teams and complex requirements processing £10M+ annually.

Ryft Implementation Process

Ryft implementation completes in 2-4 weeks for standard marketplace integrations. The platform includes pre-built split payment functionality and automated seller onboarding ready to use.

Technical integration uses REST APIs with comprehensive documentation. Marketplace-specific features work immediately without custom development required.

UK-based technical support provides hands-on assistance during integration. This suits platforms needing rapid deployment without extensive technical resources or long development cycles.

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Marketplace Features: Adyen vs Ryft

Split Payment Functionality

Adyen supports multi-party payment splitting through its platform APIs. Marketplaces implement split logic for calculating distributions, managing seller balances, and processing payouts.

The platform handles complex split scenarios but requires development work to configure. This provides flexibility for unique business models at the cost of implementation time and technical resources.

Ryft provides automated split payments . The platform calculates splits, distributes funds, and manages seller balances automatically without custom development.

Pre-built split payment logic works for standard marketplace models immediately. Custom split rules can be configured without code for specific use cases through dashboard settings.

Seller Onboarding and Verification

Adyen offers Know Your Customer (KYC) and verification capabilities through its platform APIs. Marketplaces build custom onboarding workflows using these underlying verification services.

The verification process supports global compliance requirements across 35+ countries. Implementation requires integrating Adyen's verification APIs into marketplace onboarding flows with custom development.

Ryft includes rapid automated seller onboarding with built-in KYC verification. UK sellers complete verification in hours rather than days through streamlined processes designed for marketplaces.

The platform handles FCA compliance requirements automatically for UK marketplace operations. Seller accounts activate quickly without manual review processes or administrative delays.

Escrow and Settlement

Adyen provides delayed capture functionality for holding funds and controlling settlement timing. This allows platforms to authorise payments whilst delaying fund capture until conditions are met.

Settlement schedules, hold periods, and release conditions require custom configuration through API integration. Adyen does not offer traditional escrow services like dedicated Electronic Money Institution providers.

Ryft offers built-in escrow functionality for marketplace transactions. Platforms configure hold periods, release triggers, and settlement schedules through dashboard settings without development work.

Automated escrow handles common marketplace scenarios including order fulfilment verification. Funds release automatically when predefined conditions are met without manual intervention.

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Marketplace Features Comparison

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Regulatory Compliance: UK Requirements

FCA Licensing

Both Adyen and Ryft hold FCA Payment Institution authorisation for UK operations. This ensures compliance with UK payment regulations and consumer protection requirements.

Adyen operates under FCA authorisation as a global payment processor serving UK marketplaces. The platform manages compliance across multiple jurisdictions as part of broader European operations.

Ryft holds FCA Payment Institution Licence #972895 specifically for UK marketplace payment processing. The platform focuses exclusively on UK regulatory compliance and marketplace-specific requirements.

PSD2 Compliance

Adyen supports Strong Customer Authentication (SCA) requirements under PSD2 regulations. The platform provides SCA exemption management for optimising conversion whilst maintaining regulatory compliance.

Ryft includes PSD2-compliant payment processing with automated SCA handling built in. The platform manages exemptions and authentication flows for UK marketplace transactions without custom development.

Both platforms meet current PSD2 requirements for secure online payments. Implementation differs in how authentication flows integrate with marketplace checkout experiences and technical complexity.

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Support and Service Levels

Adyen Support Structure

Adyen provides 24/7 support through its ticket system accessible via the Customer Area. Enterprise clients receive dedicated account management teams with priority access to technical specialists.

Support operates globally with technical resources distributed across 27 countries. Enterprise clients access comprehensive documentation, developer resources, and integration engineers for complex issues.

The support model suits platforms with technical capabilities to self-serve for routine issues. Complex problems receive dedicated attention from specialised teams through escalation to account managers.

Ryft Support Structure

Ryft offers 24/7 UK-based support for all marketplace clients regardless of size. Technical teams provide direct assistance without requiring enterprise account status or minimum processing volumes.

Support includes hands-on help with integration, optimisation, and operational issues. Response times prioritise marketplace payment operations over account size or revenue tier.

The support model suits growing platforms needing responsive day-to-day assistance. UK-based teams understand local market conditions, regulatory requirements, and timezone alignment.

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Target Market and Best Fit

When Adyen Works Best

Adyen suits enterprise platforms processing £10M+ annually with complex international requirements. The platform provides powerful infrastructure for sophisticated payment operations across multiple regions.

Platforms with dedicated technical teams benefit from Adyen's customisation capabilities. The ability to build precisely tailored payment flows justifies longer implementation timelines and development investment.

Global marketplaces requiring extensive local payment method coverage across multiple regions leverage Adyen's worldwide infrastructure effectively. The platform excels at handling high transaction volumes with advanced fraud prevention.

When Ryft Works Best

Ryft suits UK marketplaces from startup to scale-up stages processing £100K-£10M annually. The platform provides enterprise-grade capabilities without enterprise complexity or minimum volume barriers.

Platforms needing rapid deployment benefit from pre-built marketplace features. Standard split payments, seller onboarding, and escrow work immediately without custom development cycles.

UK-focused marketplaces prioritising regulatory compliance and local support achieve better outcomes with FCA-licensed, UK-based operations. Volume-based pricing delivers cost savings as transaction volumes grow.

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Migration Considerations

Moving From Adyen to Ryft

Platforms may consider switching from Adyen to Ryft when costs increase without corresponding value. Complex enterprise features may exceed actual marketplace requirements for mid-sized platforms. Migration typically takes 6-8 weeks including planning, parallel implementation, and transition phases. Existing seller relationships transfer without disruption through coordinated onboarding processes. Volume-based pricing often delivers 40-62% cost reductions compared to enterprise pricing models. Simplified operations reduce ongoing technical maintenance and developer resource requirements.

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Why choose Ryft as your Payment Service Provider

Ryft is a leading Payment Services Provider (PSP) that specialises in marketplace payment solutions, ensuring full compliance and offering 24/7 support from humans. Using Ryft, businesses can accept payments anywhere, automate split payments, onboard sellers, set up delayed payments and recurring billing, earn commission from payment escrow, and much more.    

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