Adyen
A global payment platform and acquirer for larger businesses needing online, in-person, marketplace, and multi-region payment infrastructure.
What changes when you choose Adyen.
- Legal seller
- Your business is the legal seller
- Service model
- global acquirer
- Pricing certainty
- method based
- Review state
- established · next review 2026-10-27
Who owns and operates Adyen.
Product capability and company durability are different questions. This view keeps ownership, leadership, funding, and financial disclosure separate from the provider review.
- Founded
- 2006 Pieter van der Does and Arnout Schuijff cofounded Adyen in 2006.
- Ownership
- Public company Independent company · AMS: ADYEN
- Headquarters
- Amsterdam, Netherlands
- Team disclosure
- Global organization across 28 cities Adyen publishes office locations; this profile avoids turning a historical employee count into a current one.
Current co-CEO at the July 2026 review.
Current co-CEO at the July 2026 review.
Founders: Pieter van der Does, Arnout Schuijff
Listed on Euronext Amsterdam since 2018
Adyen completed its public listing in 2018 and finances growth through operations and public capital markets rather than new VC rounds.
€2.36B net revenue and €1.25B EBITDA
Adyen labels net revenue, EBITDA, and free-cash-flow conversion as non-IFRS measures and explains them in its financial statements.
- Net revenue
- €2.36B
- Processed volume
- €1.39T
- EBITDA
- €1.25B
- EBITDA margin
- 53%
- Adyen founded in Amsterdam.
- Adyen listed shares on Euronext Amsterdam.
- Adyen published its 2025 annual report.
A fixed processing fee plus a payment-method fee; card economics can use interchange-plus-plus pricing.
No single universal checkout rate. Obtain country, method, volume, and acquiring terms.
Where it fits—and where it does not.
Strengths
- Unified online and in-person acquiring
- Strong international and local-payment coverage
- Enterprise control and reporting
Limitations
- Sales-led rather than indie self-serve
- No simple universal public rate
- Often requires separate SaaS billing and tax operations
- Large international businesses
- Omnichannel commerce
- Platforms needing acquiring control
- You are an early creator seeking instant setup
- You want bundled MoR responsibility
Can you use it, and who can buy?
- Seller coverage
- Adyen onboards eligible businesses in supported regions through a sales and underwriting process.
- Buyer coverage
- Global acquiring and payment-method coverage varies by merchant entity, market, and integration.
- Product scope
- Eligible enterprise commerce, platforms, marketplaces, online and in-person businesses.
What is built in.
- Checkout
- Web, mobile, hosted components, API, and point-of-sale integrations.
- Subscriptions
- Tokenization and recurring-payment support rather than an opinionated SaaS billing catalog.
- Invoicing
- Payment infrastructure can support invoice collection; billing and quoting may require another layer.
- Payment methods
- A broad global directory of cards, wallets, bank methods, BNPL, and local methods.
- Payouts
- Settlement schedules and currencies are defined in merchant terms.
Who handles what.
| Responsibility | Primary owner | What that means |
|---|---|---|
| Legal seller and customer contract | You | The business remains merchant and seller. |
| Indirect-tax registration, filing, and remittance | You | Payment acquiring does not transfer product-sale tax responsibility. |
| Fraud and disputes | Shared | Adyen provides risk and dispute tools while the merchant owns policies and exposure. |
| Billing and product support | You | The merchant builds or integrates these operating layers. |
Questions to answer before signing.
- Which legal entity acquires and settles our transactions in each seller country?
- Which payment methods, currencies, capture modes, and recurring patterns are supported?
- What are the exact international-card, FX, refund, dispute, payout, and add-on fees?
- What tax registration, calculation, filing, remittance, and invoice work remains ours?
- What PCI DSS validation and checkout-security work applies to our integration?
- How are reserves, negative balances, account reviews, and payout delays handled?
- Can payment credentials, mandates, customers, and active subscriptions be exported or transferred?
- How do balance transactions reconcile to orders, fees, refunds, disputes, and bank payouts?
Plan the exit while entry is easy.
A dashboard export is not the same as a working migration. Verify these factors with Adyen and a realistic destination.
- Export customers, products, prices, invoices, refunds, disputes, and balance transactions.
- Confirm whether saved payment credentials and recurring mandates can move without asking every customer to pay again.
- Map subscription intervals, currencies, anchors, trials, discounts, cancellation state, and legacy prices.
- Replace provider-specific checkout, portal, webhook, invoice, and entitlement behavior.
- Run old and new reporting in parallel until gross sales, fees, taxes, refunds, and payouts reconcile.
- Retain source records needed for accounting, support, disputes, and statutory obligations after cutover.
Sources and freshness.
Independently triple-checked against primary sources on 2026-07-29. Scheduled for review by 2026-10-27. Verify the linked source before making a production decision.
- Adyen pricing Reviewed 2026-07-29
- Adyen payment methods Reviewed 2026-07-29
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