We have used a new setup for parallel quartz crystal microbalance with dissipation (QCM-D) and surface plasmon resonance (SPR) measurements to measure the detailed kinetics of vesicle-to-bilayer transformation on SiO2 and vesicle adsorption on Au, respectively. The combination of SPR and QCM-D, complemented by atomic force microscopy measurements, has enabled a complete, time-resolved separation of vesicle and bilayer coverages, and thus, for the first time, allowed precise quantification of the critical surface coverage of vesicles needed for rupture. We furthermore demonstrate and quantify a previously undetected vesicle-size- and concentration-dependent loss of lipid material during the later stages of the process.