There’s a huge difference for small business owners.
Stripe has a Get started button. You click it, fill out a form, get your site approved in maybe a day, and start making money.
Adyen has a Talk to our team button. You close the tab and never think about it again until you’re making serious money.
---
Edit: that is, of course, by design. Adyen doesn’t want small businesses. From the sibling comment:
> only able to support businesses currently transacting more than €5M per year
Why don't they have a fax option so you absolutely never think about it again?
Adyen has resellers. Mollie is one example, they do have. Get Started and no lower limit. These smaller parties rely on the bank license of Adyen
Sadly pretty normal for European companies. The penalties they face for signing up a bad customer are so much harsher they won't risk letting just anyone sign up without actual KYC not just checkbox KYC. This is the same reason Hetzner turns away 50% of its customers.