Adyen
Adyen is a global financial technology platform that helps you accept payments, protect revenue, and control your finances through a single integrated solution for online, in-person, and app-based transactions.
Incognia
Incognia is a location-based identity platform providing invisible multi-factor authentication and fraud prevention for mobile applications to secure user accounts and digital transactions without friction.
Quick Comparison
| Feature | Adyen | Incognia |
|---|---|---|
| Website | adyen.com | incognia.com |
| Pricing Model | Custom | Custom |
| Starting Price | Custom Pricing | Custom Pricing |
| FREE Trial | ✘ No free trial | ✘ No free trial |
| Free Plan | ✘ No free plan | ✘ No free plan |
| Product Demo | ✓ Request demo here | ✓ Request demo here |
| Deployment | ||
| Integrations | ||
| Target Users | ||
| Target Industries | ||
| Customer Count | 0 | 0 |
| Founded Year | 2006 | 2020 |
| Headquarters | Amsterdam, Netherlands | Palo Alto, USA |
Overview
Adyen
Adyen provides a unified platform that handles your entire payment flow from start to finish. Instead of managing separate gateways, risk tools, and processors, you can run your whole operation through one infrastructure. This setup gives you a single view of your customers across online stores, mobile apps, and physical locations, making it easier to offer flexible shopping experiences like buying online and returning in-store.
You can accept hundreds of local payment methods globally while using built-in data tools to recognize loyal customers and block fraudsters. The platform is built for growth, allowing you to expand into new markets quickly without changing your technical setup. It is particularly effective for mid-market and enterprise businesses that need to simplify complex global payment operations and improve authorization rates.
Incognia
Incognia provides a location-first approach to identity verification and fraud prevention for mobile apps. By mapping the unique behavior of a device's location, you can distinguish between legitimate users and fraudsters without requiring manual input. This allows you to verify identities silently in the background, ensuring that your users enjoy a smooth experience while staying protected from account takeovers and fake account creations.
You can use the platform to secure high-risk moments like logins, payments, and sensitive data changes. It works by creating a private 'location fingerprint' for each user, which is significantly harder to spoof than traditional GPS data. This helps you reduce reliance on clunky SMS codes or passwords, lowering your friction while increasing your overall security posture across the entire user journey.
Overview
Adyen Features
- Unified Commerce Connect your online and in-store sales data in one place to give your customers a truly frictionless omnichannel experience.
- RevenueProtect Use data-driven risk management tools to identify and block fraudsters while ensuring your legitimate customers enjoy a smooth checkout.
- Global Acquiring Access local payment processing in markets worldwide through a single integration to improve your authorization rates and lower costs.
- In-person Payments Accept payments at the point of sale using modern terminals that support contactless, mobile wallets, and local card schemes.
- RevenueAccelerate Optimize your payment flow automatically with smart routing and messaging that recovers declined transactions and boosts your bottom line.
- Payouts Send funds to your partners or sellers in real-time with automated global payouts that simplify your marketplace operations.
Incognia Features
- Location Fingerprinting. Create a unique identity for every user based on their precise location behavior to detect spoofing and GPS manipulation.
- Invisible MFA. Authenticate your users silently in the background without requiring SMS codes, passwords, or manual biometric scans.
- Account Takeover Protection. Detect when a login attempt comes from an unrecognized location or suspicious device to prevent unauthorized account access.
- New Account Fraud Detection. Identify professional fraudsters and bot farms during registration by spotting suspicious location patterns and device integrity issues.
- Trusted Device Intelligence. Recognize your returning customers instantly by verifying their device and location history to reduce unnecessary security friction.
- Address Verification. Verify a user's home address automatically using real-time location data instead of relying on easily forged utility bills.
Pricing Comparison
Adyen Pricing
Incognia Pricing
Pros & Cons
Adyen
Pros
- Consolidates all payment channels into one single dashboard
- High authorization rates thanks to direct local acquiring
- Extensive support for local payment methods worldwide
- Detailed data insights help you understand customer behavior
Cons
- Technical setup requires significant developer resources
- Not cost-effective for very small businesses
- Customer support can be slow for non-enterprise accounts
Incognia
Pros
- Reduces user friction by eliminating manual authentication steps
- Highly resistant to GPS spoofing and proxy tools
- Easy to integrate via lightweight mobile SDKs
- Privacy-focused design masks sensitive user identity data
- Significantly lowers costs associated with SMS OTPs
Cons
- Requires users to grant location permissions to work
- Limited effectiveness for web-only applications without SDKs
- No public pricing makes initial budgeting difficult