Adyen
Amsterdam-based acquirer with its own EU banking licence, local acquiring in 14 regions and a public price list: a fixed £0.11/€0.11 fee plus interchange++ and 0.60% on cards.
Adyen is a Dutch payments company, founded in Amsterdam in 2006 by Pieter van der Does and Arnout Schuijff. Its gateway, risk tools, acquiring and settlement all run on one platform that the company built in-house. Adyen N.V. has held a Dutch banking licence since 2017, passported across the EEA, and adds a UK branch authorised by the PRA and FCA plus a federally licensed branch in San Francisco. Listed on Euronext Amsterdam, it processed €1.39 trillion of payments in 2025.
Local acquiring covers the EEA, the UK, the US, Canada, Mexico, Brazil, Australia, New Zealand, Singapore, Hong Kong, Japan, Malaysia, India and the UAE. Alongside the card schemes and US debit networks such as Accel and NYCE, one contract gives access to iDEAL, BLIK, Swish, TWINT, Pix, UPI, Alipay, WeChat Pay, PayPal and BNPL brands including Klarna and Affirm. Merchants connect through an API, web and mobile SDKs, a hosted checkout or plugins for Adobe Commerce, Salesforce Commerce Cloud and Shopify, and can run shop-floor sales on Adyen's own terminals from the same account.
Pricing is published, which is rare at the enterprise end of the market. Each transaction carries a fixed processing fee (€0.11, £0.11 or $0.13, depending on the price list) plus a method fee. For Visa and Mastercard that is interchange++ plus 0.60%; American Express costs 3.95% outside North America, iDEAL €0.22 and SEPA Direct Debit €0.27. There is no setup or monthly fee, although Adyen sets a minimum invoice by industry and calls the listed rates indicative.
The model suits mid-sized and large merchants selling across several countries or channels more than start-ups with modest volumes. Onboarding means full KYB checks on the company, its owners and its payout accounts. Gambling, CFD and crypto trading, casual dating and travel sit on Adyen's restricted list and need written approval, while US gambling and binary options are refused outright.
sectors served
What Adyen costs
Adyen quotes per merchant. What you are offered depends on your volume, your industry, the countries you sell in, your card mix and your risk profile — so a published headline rate would not be your rate. Ask them for a quote against your own numbers.
- Settlement
- Daily payouts of each day's sales by default (configurable); up to two days to arrive depending on currency.
Licences and regulation
Authorisations Adyen holds, as published by the provider or regulator. Check the register entry before relying on it.
De Nederlandsche Bank (DNB)
Prudential Regulation Authority / Financial Conduct Authority
Office of the Comptroller of the Currency / Federal Reserve Board
Central Bank of the UAE (CBUAE)
Monetary Authority of Singapore (MAS)
Reserve Bank of India (RBI)
Banco Central do BrasilWhat you need to onboard
Bank Statement / Bank Account · Company Details · Company Documents · Director ID · Enhanced KYB & Due Diligence
Features
3D Secure · Account Updater · Chargeback Management · Dynamic Currency Conversion · FX Conversion · Fraud Prevention · Multi-Currency · Network Tokenisation · Partial Refund · Payouts · Recurring Payments · Refunds · Reporting & Analytics · Sandbox / Testing Environment · Tokenisation · Webhook Notifications
What the last check found
Recheck against Adyen's own documentation. The 29 settlement currencies are their supported-currencies page verbatim.
The countries added here are Adyen's ACQUIRING regions — where it holds the acquiring licence and settles — which is a narrower and more consequential claim than where payments can be taken: Australia, Hong Kong, India, Japan, Malaysia, New Zealand, Singapore, the EU, the UK, Canada, the US, Brazil, Mexico and the UAE. The wider country list already on this listing is untouched; the two answer different questions and a merchant choosing on the basis of local acquiring wants this one.
Five currencies can only be paid out locally, inside the country where they are legal tender, with no SWIFT payout: BRL, INR, MYR, MXN and AED. For anyone settling cross-border that is a constraint worth knowing before signing, and no coverage table carries it.
Checked against Adyen’s own documentation on 20 October 2026. Coverage changes; confirm anything you are about to build on.
Pricing, in detail
Published price list: every transaction pays a fixed processing fee of €0.11 (EUR list), £0.11 (GBP list) or $0.13 (USD list), plus a payment-method fee. Visa, Mastercard, Maestro, Bancontact, Cartes Bancaires, girocard, eftpos, Interac, Elo, Hipercard and the US debit networks: interchange + scheme fees + 0.60% (the 0.60% is Adyen's markup on top of interchange and scheme fees, not an all-in rate). American Express 3.95% globally or 3.3% + $0.10 in North America; Diners/Discover 3.95%; JCB 3.75%; UnionPay 3%. APM examples: iDEAL €0.22, SEPA Direct Debit €0.27, Bacs £0.55, ACH $0.27, Trustly €0.50, BLIK 1.5%, Alipay/WeChat Pay 3%, TWINT 2.3%, Swish 0.60% + SEK 2, Klarna 4.99% + £0.20 (UK) or 4.29% + $0.30 (US/Canada), paysafecard 10-12%. PayPal, Bizum, Pix, Boleto, Dankort and BankAxept require a direct contract with the scheme. No setup, monthly, integration or closure fees, but a minimum invoice applies depending on industry or business model; Adyen calls the rates indicative and offers custom pricing.
Is Adyen regulated?
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Sources · 24
- Adyen: Pricing for supported payment methods (GBP list) · adyen.comUsed for fees, methods, minimum invoice
- Adyen: Preise (EUR list) · adyen.comUsed for fees (EUR processing fee)
- Adyen: Pricing (USD list) · adyen.comUsed for fees (USD processing fee)
- Adyen Docs: Payment methods · docs.adyen.comUsed for methods
- Adyen Docs: Network tokenization (US debit routing) · docs.adyen.comUsed for methods (Accel, NYCE, Pulse, STAR), features
- Adyen Docs: Supported payout currencies · docs.adyen.comUsed for currencies, acquiring regions, countries
- Adyen Docs: Adyen for Platforms (supported countries/regions) · docs.adyen.comUsed for countries
- Adyen: EMEA licences · adyen.comUsed for regulation (NL, UK, UAE, Switzerland)
- Adyen: US licences · adyen.comUsed for regulation (US)
- DNB public register: Adyen N.V. · dnb.nlUsed for regulation, EEA passports, licence date
- Adyen Docs: Regulatory wording for platforms · docs.adyen.comUsed for regulation (FCA firm number 779800)
- Adyen press release: MAS Major Payment Institution licence · adyen.comUsed for regulation (SG)
- Adyen press release: India expansion and RBI authorisation (Aug 2024) · adyen.comUsed for regulation (IN)
- Terra: Adyen subsidiary approved by Banco Central as a payment institution (Nov 2023) · terra.com.brUsed for regulation (BR)
- Wikipedia: Adyen · en.wikipedia.orgUsed for company (founding, founders, listing)
- Adyen: H2 2025 financial results · adyen.comUsed for company (2025 processed volume, net revenue)
- Adyen Docs: Plugins · docs.adyen.comUsed for integrations
- Adyen: Prohibited and restricted products and services · adyen.comUsed for industries, restrictions
- Adyen Docs: Requirements for document uploads · docs.adyen.comUsed for onboarding requirements
- Adyen Docs: Getting paid · docs.adyen.comUsed for settlement speed
- Adyen Docs: Account Updater · docs.adyen.comUsed for features
- Adyen Docs: Dynamic Currency Conversion · docs.adyen.comUsed for features
- Adyen Docs — supported currencies · docs.adyen.comUsed for the 29 settlement currencies, where Adyen holds funds for each, the acquiring regions that settle in each, and the five local-payout-only currenciesChecked 20 October 2026
- Adyen documentation index · docs.adyen.comUsed for locating the supported-currencies and per-market compliance pagesChecked 20 October 2026
24 sources · last checked 21 October 2026 — each one says which claim it supports.
Compiled from public sources — verify with Adyen before you sign anything. How we compile this · Suggest a correction ·