Adyen
7.1/10Adyen is a global payments platform that lets large and mid-market merchants accept online, mobile and in-store payments, with issuing, capital and business account products built in.
Data last updated November 2026 · Our methodology
Overview
Adyen is a Dutch financial technology company, founded in 2006 and based in Amsterdam, that runs payment gateway, processing and acquiring on a single platform. Merchants use it to accept cards, wallets and local payment methods across ecommerce, mobile apps and point-of-sale terminals, and the same setup supports unified commerce across channels. Embedded financial products include Issuing for creating cards, Accounts for business banking and Capital for business financing. Other tools include RevenueProtect fraud screening, gift cards, dynamic reporting and a marketplace payment-splitting product. Merchants can choose when to settle and in which currency, and can link several bank accounts. Pricing is per transaction with no monthly, setup, integration or closure fees. Each transaction carries a fixed processing fee, $0.13 on the US pricing page, plus a fee set by the payment method. For Visa and Mastercard that fee is interchange++ plus 0.60%. American Express and wallets such as Alipay have flat percentage rates, and custom pricing is available through sales. Adyen also sets a minimum invoice that depends on industry. A Merchant Maverick review reported it as $120 a month or 1,000 transactions. The platform suits high-volume, international businesses with developers to build the integration, and it is certified as a PCI DSS Level 1 service provider. Its main limitation is that it is a payments platform, not accounting software. Setup takes technical work, onboarding includes strict KYC checks, and the monthly minimum and complex dashboard make it a poor fit for small or new businesses.
Our Rating
Who Adyen is best for
Best software for EnterpriseGood fit
The platform is built for high-volume global merchants, and reviewers say it suits large businesses with technical resources.
Reviewers praise its API, sandbox and documentation, but say setup needs developer skills.
It supports broad card, wallet and local payment methods, with unified online and in-store commerce.
Less suited
Mid-sized merchants can fit if they process enough volume to clear the industry-dependent minimum invoice.
Reviewers cite the monthly minimum, complex setup and a hard-to-navigate dashboard as barriers for small or new businesses.
Pros & Cons
Pros
- There are no monthly, setup, integration or closure fees, and card pricing is interchange++, which keeps the markup visible.
- A single platform handles online, mobile and in-store payments with local acquiring in many countries.
- Payment method coverage is broad and includes Alipay, WeChat Pay, Klarna, Pix and Boleto.
- It is certified as a PCI DSS Level 1 service provider and audited each year by an external assessor.
- The contract has an indefinite term with no early termination fee, and either side can cancel with 60 days' notice.
Cons
- A minimum invoice applies, reported at $120 a month or 1,000 transactions, which is a hurdle for small merchants.
- Integration and onboarding are technical and slow, and the strict KYC paperwork adds to the effort.
- Reviewers find the merchant dashboard powerful but hard to navigate.
- Trustpilot reviews are poor, with complaints about slow support, slow deposits and hidden fees.
- It is not accounting software, so there is no general ledger, bookkeeping or payroll.
Key Features
Adyen Pricing
Pay per transaction
- American Express at 3.95% globally
- Custom pricing available through sales
- No monthly, setup, integration or closure fees
- Visa and Mastercard at interchange++ plus 0.60%
- Minimum invoice set by industry or business model
- Fixed processing fee of $0.13 per transaction plus a payment method fee
Frequently Asked Questions
No. Adyen says it charges no monthly, setup, integration or closure fees. It does set a minimum invoice that depends on industry, and Merchant Maverick reported this as $120 a month or 1,000 transactions.
Each transaction carries a fixed $0.13 processing fee. Visa and Mastercard add interchange++ plus 0.60%, and American Express is 3.95% globally.
According to Merchant Maverick, the contract has an indefinite term with no early termination fee, and either party can cancel with 60 days' written notice.
Yes. Adyen is certified as a PCI DSS Level 1 service provider and is audited each year by a qualified security assessor. Merchants may still need to complete their own self-assessment questionnaire, such as SAQ A, depending on how they integrate.
Merchant Maverick reports email, web and phone support during business hours, plus 24-hour emergency support, a knowledge base and video tutorials.
Usually not. Reviewers say the minimum invoice, technical setup and complex dashboard make it better suited to high-volume merchants.
Similar Tools
See all alternatives
Airwallex is a global business finance platform that combines multi-currency accounts, FX, corporate cards, spend and bill pay, payment acceptance and billing for internationally active companies.
Ramp is a US spend management platform that combines corporate cards, expense management, bill pay, AR invoicing and AI accounting automation for finance teams.
Stripe Treasury is a business financial account inside the Stripe Dashboard that holds, moves, and spends money, with an embedded version for platforms.
Ranked near Adyen in Finance Software
See Adyen in the listAdyen is #13 in Finance Software by our score.
