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Adyen vs. Paytm vs. Visa Acceptance Solutions (CyberSource)

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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    Adyen

    Score8.9 out of 10
    N/AAdyen is a payment gateway software solution offered by Adyen.N/A

    Paytm

    Score8.5 out of 10
    N/APaytm is a mobile payment processing app from Indian company One97 Communications.N/A

    Visa Acceptance Solutions (CyberSource)

    Score10 out of 10
    N/ACyberSource, acquired by Visa in 2010 and now part of Visa Acceptance Solutions, is payment technology, and includes offerings with flexible payment solutions that work across the globe.N/A
    Pricing
    AdyenPaytmVisa Acceptance Solutions (CyberSource)
    Editions & Modules
    No answers on this topic
    No answers on this topic
    No answers on this topic
    Offerings
    Pricing Offerings
    AdyenPaytmVisa Acceptance Solutions (CyberSource)
    Free Trial
    NoNoNo
    Free/Freemium Version
    NoNoNo
    Premium Consulting/Integration Services
    NoNoNo
    Entry-level Setup FeeNo setup feeNo setup feeNo setup fee
    Additional Details———
    More Pricing Information
    Community Pulse
    AdyenPaytmVisa Acceptance Solutions (CyberSource)
    Considered Multiple Products
    Adyen
    Chose Adyen
    It's easier to use and offers a better view on the payments' evolution.
    Incentivized
    Paytm
    No answer on this topic
    Visa
    No answer on this topic
    Key User Insights
    Would buy again
    93%
    Would buy again
    14 Answers
    94%
    Would buy again
    17 Answers
    No answers on this topic
    Delivers good value for the price
    93%
    Delivers good value for the price
    13 Answers
    100%
    Delivers good value for the price
    18 Answers
    No answers on this topic
    Happy with the feature set
    87%
    Happy with the feature set
    13 Answers
    100%
    Happy with the feature set
    18 Answers
    No answers on this topic
    Lived up to sales and marketing promises
    100%
    Lived up to sales and marketing promises
    9 Answers
    85%
    Lived up to sales and marketing promises
    11 Answers
    No answers on this topic
    Implementation went as expected
    100%
    Implementation went as expected
    13 Answers
    93%
    Implementation went as expected
    14 Answers
    No answers on this topic
    Features
    AdyenPaytmVisa Acceptance Solutions (CyberSource)
    Payment Gateways
    Comparison of Payment Gateways features of Adyen and Paytm and Visa Acceptance Solutions (CyberSource)
    Feature
    Adyen
    9.6
    9 Ratings
    26% above category average
    Paytm
    6.4
    2 Ratings
    15% below category average
    Visa Acceptance Solutions (CyberSource)
    -
    Ratings
    Fraud Detection9.69 Ratings6.02 Ratings00 Ratings
    API or SDK9.79 Ratings6.52 Ratings00 Ratings
    Recurring Payment Support9.59 Ratings7.02 Ratings00 Ratings
    Billing and Invoicing Support9.69 Ratings7.02 Ratings00 Ratings
    Global Support9.69 Ratings5.52 Ratings00 Ratings
    Payment Form Acceptance9.89 Ratings6.52 Ratings00 Ratings
    Best Alternatives
    AdyenPaytmVisa Acceptance Solutions (CyberSource)
    Small Businesses
    Apple Pay
    Score9.1 out of 10
    Apple Pay
    Score9.1 out of 10
    No answers on this topic
    Medium-sized Companies
    Payoneer
    Score8 out of 10
    Payoneer
    Score8 out of 10
    No answers on this topic
    Enterprises
    Checkout.com
    Score10 out of 10
    Checkout.com
    Score10 out of 10
    No answers on this topic
    All AlternativesView all alternativesView all alternativesView all alternatives
    User Ratings
    AdyenPaytmVisa Acceptance Solutions (CyberSource)
    Likelihood to Recommend
    9.0
    (16 ratings)
    7.5
    (22 ratings)
    6.5
    (8 ratings)
    Likelihood to Renew
    9.0
    (3 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    Usability
    -
    (0 ratings)
    8.0
    (2 ratings)
    -
    (0 ratings)
    Availability
    9.0
    (7 ratings)
    8.0
    (1 ratings)
    -
    (0 ratings)
    Performance
    -
    (0 ratings)
    7.0
    (1 ratings)
    -
    (0 ratings)
    Configurability
    -
    (0 ratings)
    8.0
    (1 ratings)
    -
    (0 ratings)
    Contract Terms and Pricing Model
    -
    (0 ratings)
    7.0
    (1 ratings)
    -
    (0 ratings)
    Ease of integration
    -
    (0 ratings)
    8.0
    (1 ratings)
    -
    (0 ratings)
    Product Scalability
    -
    (0 ratings)
    7.0
    (1 ratings)
    -
    (0 ratings)
    Vendor post-sale
    -
    (0 ratings)
    7.0
    (1 ratings)
    -
    (0 ratings)
    Vendor pre-sale
    -
    (0 ratings)
    5.0
    (1 ratings)
    -
    (0 ratings)
    User Testimonials
    AdyenPaytmVisa Acceptance Solutions (CyberSource)
    Likelihood to Recommend
    Adyen
    Ayden has been a great resource for us with international transactions. We know that they can be a trusted gateway when it comes to dealing with our client's money. Thankful to have that confidence in this system. It also has a user-friendly interface, which allows for a concise process with clients as well.
    Incentivized
    Read full review
    Paytm
    The portal is easy to understand. Anyone can use this payment gateway on their website or app. Small businesses also can use this gateway to accept payments from their customers. Payment notifications are instant and received fund gets settled in bank account without any delay. Provides less payment gateway charges for debit, credit, and prepaid cards where with UPI and rupay payment gateway charges are zero. It has a unique dashboard to monitor transaction details. Available in both web and mobile application.
    Incentivized
    Read full review
    Visa
    For basic users it is probably a good fit. For connecting it's API's are straightforward and most would find it an easy connection to be made. The site overall is just not designed well. When you try to look at transactions a portion of the information is cut of without a scroll bar being added to slide to the fields you would like to see. If you need to see the data on the screen you need to make some adjustments.
    Incentivized
    Read full review
    Pros
    Adyen
    • PCI DSS Compliant Solution
    • Provided options to configure a specific list of payments, like Alipay, ACH, PayPal, etc.
    • Good support and quick solution for the technical help
    • Well described documentation on technical integrations
    • Drop in framework to display the payment options
    Read full review
    Paytm
    • You can use Paytm to purchase from a selection of common items to luxurious items.
    • Tickets - Can be used to book tickets ranging from movie/concerts to flights/trains.
    • Bills - You can use Paytm to pay bills for your house/electricity/DTH.
    • Gifts - You can send gifts to your loved ones using Paytm.
    • UPI Transfer - Directly transfer money to another customer's bank account by UPI transfers.
    • Metro - Metro cards can be recharged from the app itself helping you beat the queue at metro stations.
    Incentivized
    Read full review
    Visa
    • They have built the connections to multiple card providers so that a retailer does not need to build the code for each one separately.
    • The decision manager product catches and stops a lot of fraud from getting through and causing a large number or chargebacks.
    • They also connect to PayPal making it easy to add them to any website as a payment method.
    Incentivized
    Read full review
    Cons
    Adyen
    • I would like to be able to create my own reports, like a combination between "Received payment details" and "Interactive payment accounting".
    • Maybe you can have a better integration with PayPal. The disputes are reflected all wrong in Adyen, for example if we accept a chargeback in PayPal, in Adyen we see a "chargeback reversed" status first, then we see a "refund" status. This is very confusing for us, we have accepted that chargeback, which means we have lost the case, what are a Chargeback Reversed and a Refund statuses doing here? I think PayPal is trying to unblock the transaction that received the chargeback, but this is a very confusing way of handling the chargebacks. If I look at the "Dispute transaction details" reports, all the PayPal chargebacks are "won" because of that "Chargeback reversed" status, which is obviously wrong, we lose some cases and we win others.
    • Amex chargebacks could be integrated. We don't see them in Adyen at all.
    Incentivized
    Read full review
    Paytm
    • One of the not so convenient things on Paytm is that if there is a connection failure while making a payment, your money is not credited directly to your bank account but rather to the Paytm Wallet, and this money can only be used by the Paytm platform.
    • In Paytm, user verification requires a personal visit to their physical offices, this can generate a lot of discomfort among potential users since if we want to use a virtual service it is precisely to encourage time saving.
    • You should be very careful when making purchases through Paytm's direct store, since in many occasions there are products of lower quality than the one offered and even fake products, it is better to use it to make payments to third parties and in considered amounts.
    Incentivized
    Read full review
    Visa
    • fees- competitive, but budget for them
    • price transparency- it's hard to know exactly what you're being charged for. We are charged a small % of each incoming payment batch, so AR reconciliation is more difficult
    • implementation- significant time and expertise required to get everything up and running smoothly
    Incentivized
    Read full review
    Likelihood to Renew
    Adyen
    Well, Ayden is a very easy system to manage, it allow the user a nice visibility and many details about the clients. It integrated very easily to our system and allow us to increase our activity. In addition, Ayden have a very good help center that available all the time and very helpful.
    Incentivized
    Read full review
    Paytm
    Good in-terms of sending reminders on Electricity bill payments and credit card bill payments.
    Incentivized
    Read full review
    Visa
    No answers on this topic
    Usability
    Adyen
    No answers on this topic
    Paytm
    Paytm is highly usable due to its wide range of services, seamless payment structure and user friendly UI support.
    Incentivized
    Read full review
    Visa
    No answers on this topic
    Reliability and Availability
    Adyen
    Response time are as expected, and Adyen team is always knowledgeable and are clear subject matter experts. Quite often I am assigned an engineer who is not in our time zone and sometimes 8-12 hours different from me. This causes delays in resolution due. It would be great to have a support agent who is located in the US.
    Incentivized
    Read full review
    Paytm
    Planned outages & downtime window
    Incentivized
    Read full review
    Visa
    No answers on this topic
    Performance
    Adyen
    No answers on this topic
    Paytm
    Slight improvements required
    Incentivized
    Read full review
    Visa
    No answers on this topic
    Support Rating
    Adyen
    No answers on this topic
    Paytm
    Need slight improvement on issues TAT
    Incentivized
    Read full review
    Visa
    No answers on this topic
    Alternatives Considered
    Adyen
    Adyen has better handling of Disputes, provides much more detailed forecasts and withdrawal reports. Adyen has a specific page to clear doubts much more complete. Adyen have not fees for processing refunds, have not fess for chargeback received, and have not fees for retry process payments. And your processing fees are very attractive.
    Incentivized
    Read full review
    Paytm
    I use Paytm just for the ticket booking system. For most of my daily transactions, Google Pay is the way. Google Pay has provided things very simple and faster. They always focus on a user-friendly env rather than adding everything to the app. They kept the app more simple and more useful.
    Incentivized
    Read full review
    Visa
    Payeezy does not provide fraud check facility and they provide JS based integration. Since client wants server side integration due to security and fraud check as well in place of using another third party for fraud. We went ahead with Cybersource
    Incentivized
    Read full review
    Scalability
    Adyen
    No answers on this topic
    Paytm
    Easy to integrate
    Incentivized
    Read full review
    Visa
    No answers on this topic
    Return on Investment
    Adyen
    • I cannot see any negative impact.
    • It is good to synchronize the payment details that come from Adyem in our CRM and this allows us, now, to manage refunds and subscriptions in there and get any action done in real time and recorded in all the platforms.
    • Quick and reliable it is a good tool to be used for managing and checking credit card transactions details.
    Incentivized
    Read full review
    Paytm
    • It decreased checkout time for the user which allowed us to increase user experience.
    • Rarely, I used to face issues with transactions. If order got cancelled refunding of money, settling them etc.,
    • Since Paytm has link with UPI and I am able to collect money from any UPI applications, using credit or debit card, and internet banking it acted as single stop solution for me. There is no need to have multiple payment gateway options.
    Incentivized
    Read full review
    Visa
    • It has streamlined credit card processing for the whole organization
    • Provides all the info we need to locate specific transactions and address issues accordingly
    Incentivized
    Read full review
    ScreenShots