Adyen

Overview

Adyen is a financial technology platform that acts as gateway, processor and acquirer on one system for online, in-store and platform payments. It reported net revenue of €738.1 million in the third quarter of 2026, up 23%, on processed volume of €451.1 billion, up 30%, and guided to 21% to 23% constant-currency net revenue growth for 2026.^[9]

Adyen publishes its pricing structure: a fixed processing fee per transaction plus a fee determined by the payment method, with no setup or monthly fees. In North America the processing fee shown is US$0.13, and the major card schemes are priced at interchange++ plus 0.60%.^[8] Interchange++ separates interchange and scheme fees from Adyen’s markup, which large merchants prefer for cost auditing. Adyen generally serves larger merchants that can integrate its API; it is not designed as a self-service option for very small businesses, and its per-transaction fixed fee is additive to the payment-method fee.

Adyen features

• Single integration for online and in-store
• Interchange++ pricing
• Local payment methods by region
• Risk management tools
• Platform payments for marketplaces
• Flexible payout currencies
• Unified online and in-store acquiring
• Local acquiring in multiple regions

Adyen pricing

US$0.13 processing fee + payment-method fee; major card schemes (North America) interchange++ + 0.60%. No setup or monthly fees.

Adyen strengths and limitations

Appears in

• Largest Fintech Companies (2026) #19
• Best Merchant Services in 2026 #10
• Best Payment Gateways in 2026 #2

Adyen alternatives and competitors

Alternatives to Adyen: companies ranked in the same lists.

• Global Payments
• PayPal
• ANAuthorize.net
• Helcim
• SSquare
• Stripe Atlas
• Elavon
• Checkout.com
• TToast
• Wise
• Braintree
• Payment Depot