Adyen logo

Adyen

Verified

Enterprise-grade global payments on a single platform.

4.5(4)Founded 2006Amsterdam, Netherlands
Starting rate
Interchange + 0.60% + $0.13
Monthly fee
$0
Payout
T+2
Contract
Annual
PCI level
Level 1
Regions
EU, UK +2

Overview

Adyen is built for large and global businesses that want a single platform across channels and regions, with transparent interchange-plus pricing and powerful data.

Who it's for

Mid-market and enterprise merchants processing significant volume across borders.

Best for

Enterprise
Global
Omnichannel

Regions

EU
UK
US
Global

Industries

Retail
Travel
SaaS

Pros

  • Single platform across channels and regions
  • Transparent interchange-plus pricing
  • Rich data and risk tooling

Cons

  • Built for scale — overkill for small merchants
  • Requires technical integration

Pricing

Pricing at a glance

Interchange++ : $0.13 + interchange + 0.60% per card transaction. No monthly or setup fee; a minimum monthly invoice applies.

Pricing model
Interchange-plus
Contract
Annual
Free trial
No
Monthly minimum
$120 invoice minimum

Fee breakdown

Online card rateInterchange + 0.60% + $0.13
In-person card rateInterchange + 0.60% + $0.13
International surchargeVaries by method
ACH / bank rate$0.27 + $0.13
Monthly fee$0
Monthly minimum$120 invoice minimum
Chargeback fee$15
Refund policyProcessing fee not returned on refunds

Features

Payment methods

  • Visa
  • Mastercard
  • Amex
  • Apple Pay
  • Google Pay
  • ACH
  • SEPA
  • BNPL
  • Wallets

Integrations & deployment

  • API
  • Hosted checkout
  • Drop-in UI
  • Mobile SDK
  • POS hardware
  • Virtual terminal

Capabilities

  • Multi-currency
  • Fraud protection
  • 3D Secure
  • Tokenization
  • Reporting dashboard
  • Developer-friendly

At a glance

Currencies
150+ currencies
Payout
T+2
PCI level
Level 1
High-risk friendly
No

Reviews

4.5out of 5
4 reviews
Ease of use
4.5
Pricing
4.0
Support
3.8
Features
4.3
Reliability
4.8

4 reviews

David Okafor

Verified

CTO · Tradeline · 11-50 · Marketplaces

Jun 30, 2026

The API made this easy

Building split payments for our marketplace would have taken months elsewhere. With Adyen the API and docs got us live in weeks. Webhooks are reliable.

Pros

Great API, split payments, webhooks

Cons

Some advanced features need a sales call

Use case: Split payments and payouts for a marketplace

Ease of use
4.0
Pricing
4.0
Support
4.0
Features
5.0
Reliability
5.0

Hannah Schmidt

Operations Lead · Greenfield Nonprofit · 1-10 · Nonprofits

Jun 30, 2026

Affordable and simple for donations

Adyen let us set up recurring donations quickly and the cost is reasonable for a small nonprofit. Support replies could be faster but we rarely need them.

Pros

Affordable, easy recurring donations

Cons

Support response times vary

Use case: Recurring donations for a nonprofit

Ease of use
5.0
Pricing
5.0
Support
3.0
Features
3.0
Reliability
4.0

Jordan Reyes

Verified

Founder · Northwind Goods · 11-50 · Retail

Jun 30, 2026

Scaled with us from day one

We started taking payments with Adyen as a tiny shop and it has scaled with us without a hitch. Integration was straightforward and the dashboard gives us everything we need.

Pros

Reliable, great dashboard, easy to integrate

Cons

Wished support was faster early on

Use case: Online store checkout and refunds

Ease of use
5.0
Pricing
4.0
Support
4.0
Features
5.0
Reliability
5.0

Sofia Marchetti

Verified

E-commerce Manager · Atlas Apparel · 51-200 · Retail

Jun 30, 2026

Dependable for cross-border sales

We sell internationally and Adyen handles multiple currencies and methods without surprises. Reconciliation is much easier than our old provider.

Pros

Multi-currency, stable, good docs

Cons

FX and international fees could be clearer

Use case: Cross-border online apparel sales

Ease of use
4.0
Pricing
3.0
Support
4.0
Features
4.0
Reliability
5.0
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