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Adyen

Major Processor

Global payment platform for enterprise businesses with unified online and in-person payment processing.

Founded: 2006 HQ: Amsterdam, Netherlands

Adyen is a Dutch multinational payment company founded in 2006 that provides a unified platform for accepting payments online, mobile, and at the point of sale. The company serves enterprise businesses with a single API integration that connects to multiple payment methods globally. Adyen processes payments for major brands including Uber, Netflix, Spotify, eBay, and McDonald's. Their platform combines payment processing, risk management, and data insights in one solution, supporting 250+ payment methods across 190+ markets. The company went public on Euronext Amsterdam in 2018 and has grown to become one of Europe's most valuable fintech companies. Adyen's infrastructure is built for scale, handling massive transaction volumes with 99.9% uptime. Their merchant-of-record services help businesses expand globally by handling local compliance, tax collection, and regulatory requirements.

Pricing

  • Model: Interchange++
  • Starts at: Interchange + 0.60% + €0.10
  • Pricing: Interchange++ model with transparent pricing starting at interchange rates plus 0.60% + €0.10 per transaction in Europe, with regional variations.
  • Volume Discounts: Yes
  • Custom Pricing: Yes
  • Additional Fees: Currency conversion (1-4%), chargebacks (€15), failed payment fees, monthly platform fee for some plans, setup fees may apply

Key Features

  • • REST API
  • • GraphQL
  • • Webhooks
  • • SDKs
  • • Sandbox
  • • Real-time
  • • Batch Processing

Pros

  • Single integration for 250+ payment methods globally
  • Excellent API and developer experience
  • 99.9% uptime and enterprise-grade reliability
  • Comprehensive fraud prevention and risk management
  • Strong data analytics and reporting
  • Merchant-of-record services for global expansion
  • Unified online and in-person payment processing
  • Transparent interchange++ pricing model
  • Extensive compliance and security certifications

Cons

  • Primarily targets enterprise clients with high volumes
  • Complex setup process for smaller businesses
  • Higher costs for low-volume merchants
  • Limited support for very small businesses
  • Some advanced features require technical expertise
  • Monthly minimums may apply for certain plans

Supported Use Cases

E-commerceMarketplacesSaaSGamingDigital ProductsSubscriptions

Supported Countries

Global

Payment Methods

Credit CardsDebit CardsDigital WalletsBank TransferPayPalApple PayGoogle PaySEPA

Business Models

One-Time Payments Subscriptions Usage-Based Billing Marketplaces Invoicing Digital Products Merchant of Record

Compliance & Support

  • PCI Level: Level 1
  • GDPR Compliant: Yes
  • SCA/3DS: Yes
  • Support Availability: 24/7
  • Support Channels: Email, Phone, Live Chat, Documentation, Knowledge Base
  • Support Languages: English, German, Spanish, French, Italian, Portuguese, Chinese, Japanese