Adyen vs Hiscox: which one fits your business?
Side-by-side comparison of Adyen and Hiscox — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Hiscox wins on our scorecard (7.7/10 vs 7.5/10).
| Scored on | Adyen | Hiscox |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 5 | 9 |
| Fees & pricing | 9 | 7 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Monthly fee | $0 | — |
| Processing fee | $0.13 per transaction | — |
| Payment Method Fee | Interchange + Markup (Varies) | — |
| Setup Fee | $0 | — |
| General Liability Starting Price | — | ~$30/mo |
| Professional Liability Starting Price | — | ~$25/mo |
| BOP Bundle Discount | — | Up to 5% |
| Policy Fees | — | Varies by state |
Adyen in one paragraph
Adyen is a powerhouse for businesses scaling globally that are tired of flat-rate processors eating their margins, provided they can handle the technical setup.
Skip it if: Skip it if you are a local-only service business doing less than $10,000 a month in credit card sales.
Hiscox in one paragraph
Hiscox is the gold standard for fast, digital-first insurance for white-collar solopreneurs, but it loses its edge as soon as your business adds physical risk or employees.
Skip it if: You work in a high-risk trade like roofing or tree removal, as you will likely be declined or overcharged.
Frequently asked questions
Which is better, Adyen or Hiscox?
On our five-axis scorecard, Hiscox scores higher (7.7/10 vs 7.5/10). Hiscox is the gold standard for fast, digital-first insurance for white-collar solopreneurs, but it loses its edge as soon as your business adds physical risk or employees.
Who should skip Adyen?
Skip it if you are a local-only service business doing less than $10,000 a month in credit card sales.
Who should skip Hiscox?
You work in a high-risk trade like roofing or tree removal, as you will likely be declined or overcharged.