What it is
Adyen is a licensed acquirer offering a single platform for online, in-app and in-person payments with interchange-plus pricing and direct connections to card schemes and local methods. It targets mid-size and enterprise merchants.
Who it suits
Established merchants with volume who want transparent interchange-plus pricing.
Regulation and protection
Licensed acquirer and bank in the EU; regulated in each operating region.
How it charges
Interchange-plus: card scheme fees passed through at cost plus a fixed processing fee per transaction, with a monthly minimum invoice. Alternative payment methods are priced individually.
Getting started
Adyen onboards through its sales team rather than self-serve. Expect due diligence on the business, integration support and a contract; it suits merchants already processing meaningful volume.
At a glance
- Pricing
- Interchange-plus
- In-person
- Yes
- Subscriptions
- Yes
- Marketplace payouts
- Yes
- Headquarters
- Amsterdam
- Founded
- 2006
Strengths
- Transparent interchange-plus pricing
- Own acquiring licences in many regions
- Unified commerce
Watch for
- Minimum invoice and volume expectations
- Not aimed at very small businesses
Readers ask2 questions answered
What is Adyen's minimum?
Adyen quotes a monthly minimum invoice and targets established merchants; very small businesses are better served by flat-rate processors.
What does interchange-plus mean at Adyen?
You pay the card scheme's interchange and scheme fees at cost plus Adyen's disclosed processing fee, so costs fall as your card mix improves.
How it comparesIts standing in 1 comparison
Best at scale on interchange-plus
- Pricing
- Interchange-plus 1 provider in this comparison
- In-person
- Yes 3 of them share this
- Subscriptions
- Yes 4 of them share this
- Marketplace payouts
- Yes 2 of them share this
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