Adyen is a payments & billing tool for Enterprise and E-commerce, offered as paid. Founded in Netherlands in 2006.
About Adyen
Adyen is a global payments company founded in Amsterdam in 2006 by Pieter van der Does and Arnout Schuijff, and listed on Euronext Amsterdam since 2018. Adyen runs its own acquiring, processing and risk stack in one system, so a merchant gets one contract and one report for card payments, local payment methods and in-store terminals across many countries. Customers include Uber, Microsoft, eBay and OpenAI.
The platform covers online checkout through Drop-in and Components SDKs, point-of-sale terminals, Tap to Pay on phones, RevenueProtect fraud scoring, network tokenization, payouts, and Adyen for Platforms for marketplaces that onboard and pay sub-merchants. Pricing is published and usage-based: a fixed $0.13 processing fee per transaction plus a payment method fee, such as Interchange++ plus 0.60% for Visa and Mastercard. There are no setup or monthly fees, though a minimum invoice can apply depending on industry.
Adyen fits large retailers, travel and mobility companies, and marketplaces processing high volumes across several regions, where unified data and acquiring margins matter. It is a poor fit for small shops: onboarding is sales-led, integration needs developers, and support is tuned for enterprise accounts. Stripe is easier for startups and SaaS billing, PayPal brings consumer wallet reach, and Square suits small in-person sellers.
Adyen keeps growing: H1 2026 net revenue was about EUR 1.3 billion, up 19% year on year, and in July 2026 it completed the acquisitions of Talon.One (loyalty and promotions) and Orb (usage-based billing).
Key features of Adyen
- Own acquiring and processing for cards in many countries under one contract
- Drop-in and Components SDKs for web, iOS and Android checkout
- Point-of-sale terminals and Tap to Pay on iPhone and Android
- RevenueProtect risk engine with configurable fraud rules
- Network tokenization and automatic card updater to lift authorization rates
- Adyen for Platforms for marketplace onboarding, KYC and split payouts
- Hundreds of local payment methods such as iDEAL, Klarna and Alipay
- Unified reporting across online and in-store channels
Pros and cons
Pros
- Transparent, published Interchange++ pricing with no setup or monthly fees
- Single platform for online, in-store and marketplace payments
- Strong authorization rates from direct acquiring and tokenization
- Proven at very large scale with global brands
- Plugins for major commerce platforms reduce integration work
Cons
- Sales-led onboarding that is not designed for small merchants
- Integration and configuration usually need in-house developers
- Minimum invoice can apply depending on industry
- Customer Area dashboard is dense for non-technical staff
- Subscription billing tools are less complete than Stripe Billing
Adyen pricing
Adyen uses a paid model.
| Plan | Price | Includes |
|---|---|---|
| Processing fee | $0.13 / transaction | Fixed fee on every payment, plus the payment method fee |
| Cards (Visa, Mastercard) | Interchange++ + 0.60% | Interchange and scheme fees passed through at cost |
| American Express | 3.3% + $0.10 | North America rate; 3.95% elsewhere |
| ACH Direct Debit | $0.27 / transaction | No setup, monthly or closure fees; minimum invoice may apply |
Source: www.adyen.com · checked on Oct 20, 2026
How Adyen compares in Payments & billing
- Rank by votes
- #1 / 18
- Starting price
- —
- Free alternatives
- 2
0 votes from members
Category median is $39/mo
Free or open-source tools in Payments & billing
Adyen ranks #1 of 18 payments & billing tools by community votes and is not directly comparable on price.
Common use cases
- 1Global e-commerce brands accepting local methods in many markets
- 2Unified commerce for retailers with stores and online shops
- 3Marketplaces and platforms paying out to sub-merchants
- 4Mobility and travel apps with stored cards and high volumes
- 5Reducing card processing costs through Interchange++ pricing
Best for
Large merchants and platforms processing high volumes across several countries and channels that want one acquiring partner.
Not ideal for
Small businesses and early startups that need instant self-serve setup (Stripe, PayPal, Square).
Integrations
- Salesforce Commerce Cloud
- Adobe Commerce
- SAP Commerce Cloud
- commercetools
- Shopify
- WooCommerce
- PrestaShop
- REST API
Our take
Adyen is one of the strongest choices for enterprise and high-volume merchants, especially when in-store and online payments must be unified. If you process less than several million a year or lack developers, Stripe or a local provider will get you live faster and cheaper.
FAQ
- What is Adyen?
- Adyen is a Payments & billing tool: Enterprise payments platform for online, in-store and platform sales.
- How much does Adyen cost?
- Adyen uses a Paid model; see the vendor's pricing page for current plans.
- What does Adyen integrate with?
- Adyen integrates with Salesforce Commerce Cloud, Adobe Commerce, SAP Commerce Cloud, commercetools, Shopify, WooCommerce and more.
- Which platforms does Adyen support?
- Adyen is available on web.
- Who is Adyen for?
- Large merchants and platforms processing high volumes across several countries and channels that want one acquiring partner.
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