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Enterprise payment platform (acquirer)

Adyen

Dutch payment platform and acquirer for large merchants, pricing each transaction as a fixed processing fee plus interchange++ and a method-specific markup.

Visit adyen.com ↗ Alternatives Paid EU region
Adyen homepage
§1

Overview

Adyen is a payment platform used by large retailers, travel companies and digital businesses. It combines gateway, risk management and acquiring in one company and holds banking licences in the US, UK and EU, which lets it settle funds itself rather than through partner banks in many markets.

Pricing is published per method. Each transaction pays a fixed $0.13 processing fee plus a method fee; for Visa and Mastercard that is interchange++ plus 0.60%, meaning you pay the card network's actual interchange and scheme fees plus Adyen's markup. For a typical US consumer credit card the total is often close to other processors, while EU debit cards with capped interchange can be much cheaper.

Recurring payments use Adyen's tokenization module to store card details, but Adyen does not include a subscription billing engine; businesses usually pair it with their own billing or a tool like Chargebee or Lago. Adyen is not a merchant of record.

§2

Pricing and plans

Plan Price What you get
Cards (Visa, Mastercard) $0.13 + interchange++ + 0.60% Interchange and scheme fees passed through at cost
American Express $0.13 + 3.95% Interchange++ in specific situations
Other methods $0.13 + method fee Each local method has its own fee on the pricing page

Every transaction carries a $0.13 processing fee plus the payment method fee. Card fees depend on interchange, which varies by card type and region, so the total cost per card is not a single number. Other Adyen products (for example tokenization and platform features) are priced separately. There is no setup or monthly fee on the published pricing, but onboarding is sales-led and aimed at larger businesses.

Source: www.adyen.com/pricing · prices as published, excluding tax.

§3

What it does

Interchange++ pricing
Card scheme and interchange fees passed through at cost with a fixed markup, instead of a blended rate.
Own acquiring
Adyen acquires in regions including the US, Europe, Australia, Brazil, Canada, Hong Kong, India, Japan and Singapore.
Online and in-person
One platform for web, app and terminal payments with unified reporting.
Tokenization
Stores card details in the Adyen Vault for one-click and subscription payments and lowers PCI scope.
Adyen for Platforms
Embedded payments, accounts, card issuing and capital for marketplaces and SaaS platforms.
§4

Strengths and limitations

Strengths

  • Transparent interchange++ pricing that rewards low-cost card mixes
  • Hundreds of local payment methods with published fees
  • Single provider for online, in-person and platform payments
  • US, UK and EU banking licences

Limitations

  • Card costs vary with interchange, so there is no single flat rate to budget
  • Aimed at large businesses; onboarding is sales-led
  • No built-in subscription billing engine
  • The $0.13 fixed fee applies to every transaction on top of method fees
§5

Who it suits

Good for

  • High-volume merchants selling in many countries
  • Retailers unifying online and in-store payments
  • Platforms embedding payments for their users

Look elsewhere if

  • Side projects and early startups that need self-serve signup
  • Sellers who want tax handled by a merchant of record
§6

Alternatives to Adyen

Tool From Free option Stages
Paddle Merchant of record for software
Usage-based Paid
Chargebee Subscription and usage billing
Usage-based Paid
Orb Usage-based billing platform
— Paid
Recurly Subscription billing (DTC and consumer)
$249/mo Paid
Razorpay Payment gateway (India, plus US, Singapore, Malaysia)
Usage-based Paid
FastSpring Merchant of record for software
— Paid

All payments and billing →

§7

Questions

How does Adyen pricing work?

Each transaction costs a $0.13 processing fee plus a payment method fee; Visa and Mastercard are interchange++ plus 0.60%.

Does Adyen have a monthly fee?

The pricing page lists no setup or monthly fees; you pay per transaction.

Is Adyen good for small businesses?

It is built for large merchants and onboarding is sales-led, so small businesses usually start with Stripe, Mollie or a merchant of record.

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