Adyen review: products, pricing and markets (2026)

Adyen is a Dutch payments company that runs the gateway, fraud tools and card acquiring for large merchants on a single platform, covering online checkouts, shop terminals and payments embedded in software platforms. Its main authorisation is a banking licence from De Nederlandsche Bank (DNB), used across the European Economic Area, with separate entities or branches authorised in the UK, the US, the UAE, Singapore and other markets.

Because Adyen is both the processor and the acquirer in most of its markets, it sits in a different slot from a pure gateway. Our guide to gateways, PSPs and acquirers explains the difference.

At a glance

Key figures

Adyen reported a 53% EBITDA margin for FY2025. In its Q3 2026 update it guided to 2026 net revenue growth of 21% to 23% on a constant currency basis and an EBITDA margin of 50%, a figure it tied to faster investment. It also dropped its medium-term margin objective and said 2027 targets will come with its H2 2026 results in February 2027.

Products and services

Online payments

Merchants integrate through Adyen's checkout tools (Drop-in and Components) or its APIs for web and app payments. The same account handles cards, wallets and local methods, plus tokenisation with network tokens and an account updater for stored cards.

In-person payments

Adyen sells countertop, portable and unattended terminals, a Terminal API, and Tap to Pay on iPhone and Android phones. Its milestones page dates the move into point of sale to 2012, so in-store and online sales can run through the same account.

Adyen for Platforms and marketplaces

Launched in 2016, this product lets software companies and marketplaces onboard their own users, split payments and pay out funds. Adyen handles verification of those sub-merchants.

Accounts, Capital and Issuing

Business accounts let platform users hold funds with banking features. Capital offers financing to those users, and Issuing (launched 2019) produces cards for business spending. Payouts send money to bank accounts and cards.

Risk and optimisation

Risk management covers rules, risk profiles and dispute tools. Adyen Uplift is listed in the documentation as a separate, partner-enabled offering.

Fees and pricing

Adyen publishes indicative per-transaction fees on its pricing page. Each transaction carries a fixed processing fee plus a fee that depends on the payment method. The version we opened on 3 November 2026 showed these figures in US dollars.

Under Interchange++, the card issuer's interchange and the scheme fees are passed through at cost and Adyen adds its own markup. Our explainer on how card payments work breaks down those layers. The page says there are no setup, monthly, integration or closure fees, but that a minimum invoice may apply depending on industry or business model. Adyen describes the rates as indicative and offers custom pricing on request.

Markets, currencies and payment methods

Adyen says it supports more than 200 payment methods, from cards and wallets to bank transfers and direct debits; our guide to alternative payment methods covers the main types. Its documentation lists 29 settlement currencies (our count of its regional tables on 3 November 2026), including EUR, GBP, USD, AUD, BRL, JPY and AED. Some currencies, such as BRL, INR, MXN, MYR and AED, can only be paid out to local bank accounts in their home country.

The About page lists offices across Europe, Asia Pacific, North America, Latin America and the Middle East. Its milestones show acquiring licences in Singapore, Hong Kong, Australia and New Zealand from 2017, Malaysia and Puerto Rico in 2020, and a US branch, Japan and the UAE in 2021. Customer logos on the site include Meta, Uber, H&M, eBay and Microsoft.

Regulation in brief

All rows below come from Adyen's own licence pages. We were not able to open the individual DNB, FCA or MAS register entries while writing, so no row is marked "Register".

Adyen's licence index also has separate pages for Canada, India, Malaysia, New Zealand, Hong Kong and Japan, which we did not review for this profile. Its EMEA page says services in Switzerland are provided by Adyen N.V. as non-regulated activities. To confirm any of these yourself, search the regulator's register by legal name: DNB keeps a public register that is refreshed every working day, and our guide on how to check a financial licence covers the FCA, MAS and others.

Who it tends to suit

Adyen is commonly used by large and fast-growing merchants that sell in several countries and want online, in-store and platform payments under one acquirer. Its published model, a fixed fee plus Interchange++ and a markup, tends to suit businesses with enough volume to benefit from pass-through pricing and an in-house team to manage the integration. Software platforms and marketplaces that need sub-merchant onboarding and payouts are another core group. A minimum invoice may apply depending on industry or business model, so the published rates are only part of the picture.

For a closer look at how it lines up against its rivals, see Adyen vs Stripe and Worldpay vs Adyen, or the profiles of Checkout.com and Stripe.

What to check before signing up

• Which Adyen entity will be your contracting party and acquirer in each country you sell in.
• Whether a minimum monthly invoice applies to your industry, and at what level.
• The markup on top of Interchange++ in your contract, and how scheme fees are itemised in reports.
• Settlement currencies and payout timing for your bank accounts, especially for BRL, INR, MXN, MYR or AED.
• How refunds, chargebacks and dispute fees are charged.
• Whether payment methods you need are live in your markets for online, in-store or both.
• Any changes to the rules on payment services in the EU, tracked in our PSD3 and PSR explainer.