Get an audit

Head to head · Card payments · October 2026 research run

Adyen MCP server vs Orb

Orb scores 66.5 (B) on agent readiness against Adyen MCP server's 60.3 (C), and leads in 4 of 7 scored categories. Adyen MCP server leads on security & auth, payments & pricing and transparency & trust. Both do card payments.

Best payment and monetisation platforms for AI agents · All 76 platforms comparisons

Adyen MCP serverAdyen N.V. · MCP server C60.3/100#520 of 950 OrbOrb, Inc. · HTTP API B66.5/100#289 of 950

Which one, for what

Adyen MCP server C

Good for An Adyen merchant's developer or operations staff who want an assistant to create payment links and sessions, look up terminals, webhooks, users and credentials, and change terminal settings, with a person watching writes.

Ahead on

  • Security & auth, 63 against 55
  • Payments & pricing, 35 against 5
  • Transparency & trust, 83 against 65

Also in its favour

  • Runs on your own machine
  • Open source

Watch for

The README is headed alpha, the package is at 0.6.0, and the server reports itself as version 0.4.0

Orb B

Good for A software or AI company that bills on usage and needs event metering, plan versioning, prepaid credits, invoicing and revenue reporting behind one API, with Stripe or Adyen collecting the money.

Ahead on

  • Reliability, 77 against 65
  • Schema & documentation, 88 against 73
  • Agent ergonomics, 84 against 56
  • Maintenance & community, 82 against 42

Also in its favour

  • A hosted endpoint, with nothing to install

Watch for

All three plans (Core, Advanced, Enterprise) show custom pricing only, and the pricing page sends new customers to sales

Score by category

CategoryWeight this runAdyen MCP serverOrbEdge
Reliability16%206577Orb +12
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.27388Orb +15
Agent ergonomics13%16.25684Orb +28
Security & auth14%17.56355Adyen MCP server +8
Payments & pricing10%12.5355Adyen MCP server +30
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.84282Orb +40
Transparency & trust7%8.88365Adyen MCP server +18
Negative events≤1500
Total60.3 · C66.5 · B

Facts side by side

FactAdyen MCP serverOrb
KindMCP serverHTTP API
VendorAdyen N.V.Orb, Inc.
Hosted endpointno (local only)https://api.withorb.com/v1
TransportsstdioHTTP
AuthAPI keyAPI key
PricingPay per usePaid
x402nono
LicenceMIT for the server. The Adyen APIs it calls are a closed service under a merchant agreement and the Adyen Terms and ConditionsProprietary service under Orb's Platform Terms and Conditions. The SDKs on GitHub are Apache-2.0
Tools exposed38none
Read-only variant documentedyesno
llms.txtyesyes
Last release2026-08-242026-10-09
Terms last updated2023-11-012024-11-13
Privacy policy last updated2025-08-042025-05-07
Customer content may train modelsyesnot found in the text
Terms restrict automated accessnot found in the textnot found in the text
Terms restrict benchmarkingnot found in the textnot found in the text
Terms or service can change without noticenot found in the textnot found in the text
Arbitration or class-action waiveryesnot found in the text
Popularity27 stars, 168 npm/wk5 stars, 185k npm/wk

Verdicts

Adyen MCP server

All 38 tools carry read-only, destructive and idempotent annotations, and --tools loads a subset under an API credential limited by roles. The README labels the server alpha, refund_payment and the other POST tools send no idempotency key, and failures come back as plain text without an error flag.

Orb

Orb suits a company that bills on usage and wants one API for events, plans, credits and invoices. It publishes an OpenAPI 3.1 file, numeric rate limits, idempotency keys and a dry-run header. Every plan is priced on request and access starts with sales. No scope list for API keys or public sub-processor list was found.

Before you call either

Adyen MCP server

  1. Set ADYEN_API_KEY in the environment and start with npx -y @adyen/mcp --env=TEST. The --adyenApiKey flag in the docs page puts the key in the process list
  2. Pass --tools= with only the tool names the task needs. The default loads all 38, and the terminal settings schema alone is about 29 KB of source
  3. Call refund_payment with pspReference, currency, value, merchantAccount and reference. The description's paymentPspReference is not the field name
  4. Treat a Failed to ... reply from a write tool as outcome unknown, not as failure. Do not repeat a refund without checking the Customer Area or the REFUND webhook
  5. Give amounts in minor units (1099 for 10.99 EUR). Live use needs --env=LIVE --livePrefix= with the prefix from the live Customer Area

Orb

  1. Call https://api.withorb.com/v1 with Authorization: Bearer <key>. A person creates the key in the Orb web app under organisation settings, in test mode or live mode
  2. Send an Idempotency-Key of at most 64 characters on every POST and PATCH. A 409 means the first request is still running or the body changed
  3. Add Dry-Run: True to check a write first, and confirm Orb-Dry-Run: true in the response. Ingest, amend and deprecate event calls ignore it and run for real
  4. Do not send Idempotency-Key with Dry-Run. Orb returns a validation error
  5. Page with limit (default 20, maximum 100) and pass next_cursor back as cursor while has_more is true
  6. Back off exponentially on 429. Test mode allows 5 writes a second and 2,000 ingested events a minute

Questions

Which is better for AI agents, Adyen MCP server or Orb?

Orb scores 66.5 (B) on agent readiness against Adyen MCP server's 60.3 (C), and leads in 4 of 7 scored categories. Adyen MCP server leads on security & auth, payments & pricing and transparency & trust.

Do Adyen MCP server and Orb need an API key?

Both need an API key.

Can an agent call Adyen MCP server and Orb without installing anything?

Adyen MCP server runs on your own machine, with no hosted endpoint listed. Orb has a hosted endpoint at https://api.withorb.com/v1.

Are Adyen MCP server and Orb open source?

Adyen MCP server is open source (MIT for the server. The Adyen APIs it calls are a closed service under a merchant agreement and the Adyen Terms and Conditions). No open-source release is listed for Orb.

Other comparisons with Adyen MCP server or Orb

Machine-readable

For companies

Do agents find, use and choose your tools?

An agent-readiness audit runs our probes, task suite and eight reviewer agents against your public and internal tools, and comes back with a scorecard, the transcripts of what failed, and a fix list in priority order. From $2,500, re-run included. We never take payment to move a rank. We do help companies earn one.

Get an auditSee a sample report