Which server handles in-person/terminal payments?

Adyen's server does. Its Management surface includes listing terminals, creating terminal actions, and reassigning terminals, reflecting Adyen's unified online and in-store platform. Stripe's toolkit centers on online payments and billing.

Does either act as merchant of record?

Both Adyen and Stripe are primarily payment processors where you remain the seller, though Stripe added managed merchant-of-record options in 2025. The servers themselves expose processing and billing operations, not MoR configuration.

Adyen vs Stripe

Both of these official MCP servers expose a payments platform to an agent, but they reflect the platforms' different audiences: Adyen is the enterprise, omnichannel processor favored by large businesses, while Stripe is the flexible, developer-first choice for internet companies of every size. Adyen's server surfaces its Checkout and Management APIs — an agent can create a payment session, retrieve its result, list payment methods, create and manage payment links, refund or cancel payments, and on the management side list and inspect merchant accounts, manage terminals and terminal actions, and handle webhooks. Stripe's server exposes a curated slice of the Stripe Agent Toolkit: customers, payment links, products, invoices, subscriptions, and balances, plus docs and knowledge search. So the choice pairs Adyen's enterprise, terminal-and-merchant-management reach against Stripe's lean, developer-first billing surface. Here is how they compare for an agent.

How they compare

Dimension	Adyen	Stripe
Target audience	Enterprise and omnichannel — large businesses processing across online, in-store, and mobile on one platform.	Developer-first and broad — startups through enterprises building internet-first payments and billing.
API coverage	Checkout plus Management: payment sessions, methods, links, refund/cancel, and merchant-account, terminal, and webhook management.	Curated payments and billing: customers, payment links, products, invoices, subscriptions, and balances.
In-person and terminals	First-class — list terminals, create terminal actions, and reassign terminals, reflecting Adyen's unified in-store reach.	The toolkit centers on online payments and billing; in-person/terminal management is not its focus.
Merchant management	Management API access: list and inspect merchant accounts and configure webhooks from the agent.	Focused on operating one account's customers, products, and invoices rather than multi-merchant management.
Built-in knowledge	Operational tools only; no documentation search.	Includes searching Stripe's docs and support knowledge base so the agent can self-serve answers.

Verdict

Choose by the scale and shape of your payments. Adyen's server is the right pick for enterprise and omnichannel operations: it spans Checkout and Management, so the agent can create payment sessions and links, refund or cancel, and also administer merchant accounts, terminals, and webhooks across online and in-store. Stripe's server fits developer-first and internet-first businesses that want a clean, curated surface for customers, payment links, invoices, subscriptions, and balances, with docs search in the loop. Both are official, so the decision tracks the platform you run: Adyen for enterprise omnichannel with terminal and merchant management, Stripe for flexible, developer-led online payments and billing.

FAQ

Which server handles in-person/terminal payments?: Adyen's server does. Its Management surface includes listing terminals, creating terminal actions, and reassigning terminals, reflecting Adyen's unified online and in-store platform. Stripe's toolkit centers on online payments and billing.
Does either act as merchant of record?: Both Adyen and Stripe are primarily payment processors where you remain the seller, though Stripe added managed merchant-of-record options in 2025. The servers themselves expose processing and billing operations, not MoR configuration.