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Adyen

adyen.com

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Spec score 9.0 #1 of 32 in Embedded Lending Platforms

What it is

Adyen is an online payments platform for businesses that accept, optimize, and settle payments through one integration. It offers access to more than 200 payment methods and supports 136 currencies. Businesses can use ready-made Drop-in checkout components or create a custom flow with the API. Adyen describes AI tools for checkout personalization, authentication, fraud protection, tokenization, and payment cost optimization. Local acquiring through local licenses is presented as a way to improve authorization rates and lower costs. The platform supports recurring and marketplace payments, with payouts in 36 countries. Listed integrations include Adobe Commerce, Salesforce Commerce Cloud, NetSuite, Shopify, and Microsoft Dynamics 365. It is available through web, Android, iOS, and API. Pricing is transaction-based, with no setup or monthly fees and a fixed processing fee plus a payment-method fee for each transaction. The stated starting price is $0.13. Adyen describes its platform as built for global businesses and enterprise payment volume.

Spec sheet

What it does
Adyen provides one payment platform for accepting, optimizing and settling online payments through a single integration.Read 15 Oct 2026 · adyen.com
Integrations
Adyen provides a Shopify payments-app integration that requires Shopify Checkout Extensibility.Read 15 Oct 2026 · docs.adyen.com
Security
Adyen’s help page states that it is PCI DSS v4.0 Level 1 compliant and undergoes an annual external audit by a Qualified Security Assessor.Read 30 Sep 2026 · help.adyen.com
Headquarters
Amsterdam, NetherlandsRead 23 Sep 2026 · adyen.com
Founded
2006Read 23 Sep 2026 · adyen.com
API credentials
API credentials contain a username, API key and role permissions, and can be scoped to company or merchant accounts.Read 15 Oct 2026 · docs.adyen.com
Authentication
The Authentication Engine selects among 3D Secure 2, scheme passkeys and Google Secure Payment Authentication using risk, device, issuer and regulatory signals.Read 15 Oct 2026 · docs.adyen.com
Checkout
Businesses can use out-of-the-box Drop-in components or build a custom checkout flow with Adyen’s API.Read 30 Sep 2026 · adyen.com
Checkout UI
Adyen offers customizable Drop-in UI components while handling payment logic and security.Read 15 Oct 2026 · adyen.com
Chrome extension
Adyen Test Cards is a Chrome extension that copies test card, gift-card and IBAN data and can pre-fill Web Drop-in.Read 15 Oct 2026 · chromewebstore.google.com
Company founded
Adyen says it was founded in 2006 in Amsterdam, Netherlands.Read 15 Oct 2026 · adyen.com
Company scale
Adyen's About page reports more than 4,000 employees, over 115 nationalities and 28 offices.Read 15 Oct 2026 · adyen.com
Conversion optimization
Adyen lists AI tools named Personalise, Authenticate, Protect, Tokenize and Optimize for conversion, authentication, fraud, storage and cost goals.Read 15 Oct 2026 · adyen.com
Developer resources
Official developer resources include API credentials, server libraries and SDKs, webhooks, client authentication, Postman collections, examples, OpenAPI files and video tutorials.Read 15 Oct 2026 · docs.adyen.com
Dynamic currency conversion
Dynamic Currency Conversion provides real-time exchange rates and local-currency choice.Read 15 Oct 2026 · adyen.com
Financial products
Platforms can add Adyen-issued physical or virtual cards, business accounts and business financing.Read 15 Oct 2026 · docs.adyen.com
Funding history
Crunchbase lists five investors, including ICONIQ Capital and Index Ventures, and three funding rounds.Read 15 Oct 2026 · crunchbase.com
Global acquiring
Local acquiring licenses are offered to improve authorization rates and lower costs in different markets.Read 15 Oct 2026 · adyen.com
Google Play app
Adyen Payments on Google Play accepts contactless payments on compatible NFC Android devices through integration with a point-of-sale app; the listing showed 10K+ downloads.Read 15 Oct 2026 · play.google.com
Google Play demo app
Adyen MyStore demonstrates Checkout Drop-in with cards, wallets, local methods, regional language and currency, and Dynamic 3D Secure; the listing showed 500+ downloads.Read 15 Oct 2026 · play.google.com
Hosting
Adyen says it hosts its main systems in data centers in Europe, the United States, India, Singapore, Japan, and Australia, and does not use public cloud services for payment processing.Read 30 Sep 2026 · adyen.com
Intended customers
Adyen describes its platform as built for global businesses and enterprise payment volume.Read 30 Sep 2026 · adyen.com
Legal name
Crunchbase identifies the legal name as Adyen N.V. and lists Amsterdam, Netherlands as headquarters.Read 15 Oct 2026 · crunchbase.com
Limit: documentation freshness
Some reviewers say Adyen documentation can be incomplete or out of sync with the product.Read 15 Oct 2026 · trustradius.com
Limit: support response
Reviewers report slow response times, a 24-hour support SLA and uneven product knowledge in support tickets.Read 15 Oct 2026 · trustradius.com
Limit: terminal hardware
Reviewers request more hardened terminal options, QR-code payments and a ready-made phone app for in-person payments.Read 15 Oct 2026 · trustradius.com
Limit: Trustpilot complaints
Trustpilot reviews frequently allege held payouts, poor communication and difficulty resolving account or funds issues.Read 15 Oct 2026 · trustpilot.com
LinkedIn company facts
LinkedIn lists Adyen as a public financial-services company headquartered in Amsterdam, founded in 2006, with 1,001–5,000 employees.Read 15 Oct 2026 · linkedin.com
Notable news
Adyen announced H1 2026 net revenue of €1,302.9 million, up 19% year over year, on August 13, 2026.Read 15 Oct 2026 · adyen.com
Online and in-app payments
One API connection supports online, in-app and agentic payments.Read 15 Oct 2026 · adyen.com
Online payments
Adyen lets businesses accept, optimize, and settle online payments through a single integration.Read 30 Sep 2026 · adyen.com
OpenAPI
Adyen publishes OpenAPI specification files in its GitHub organization.Read 15 Oct 2026 · github.com
Optimization
Adyen describes AI tools for checkout personalization, authentication, fraud protection, tokenization, and payment cost optimization.Read 30 Sep 2026 · adyen.com
Payment methods
The online-payments product supports more than 200 payment methods through one integration.Read 15 Oct 2026 · adyen.com
PCI responsibility
Adyen says encrypted integrations can reduce a business’s PCI DSS scope, but do not eliminate the merchant’s PCI responsibilities.Read 30 Sep 2026 · docs.adyen.com
Platforms capabilities
Adyen for Platforms supports user onboarding and verification, split payments, payouts, risk management, reporting and reconciliation.Read 15 Oct 2026 · docs.adyen.com
Praise: reliability and support
TrustRadius reviewers describe reliable gateway service, strong fraud tools, omnichannel coverage and helpful customer-success support.Read 15 Oct 2026 · trustradius.com
Praise: usability and integration
Independent reviewers repeatedly praise the user-friendly interface, easy integration, broad payment-method coverage, reporting and analytics.Read 15 Oct 2026 · trustradius.com
Pricing model
Adyen charges a fixed processing fee plus a payment-method fee per transaction, with no setup or monthly fees.Read 30 Sep 2026 · adyen.com
Rating on G2
4.0 out of 5 from 44 reviewsRead 15 Oct 2026 · g2.com
Rating on Gartner Peer Insights
4.7 out of 5 from 7 reviewsRead 15 Oct 2026 · gartner.com
Rating on Software Advice
4.6 out of 5 from 31 reviewsRead 15 Oct 2026 · softwareadvice.com
Rating on Trustpilot
1.3 out of 5 from 446 reviewsRead 15 Oct 2026 · trustpilot.com
Rating on TrustRadius
9.1 out of 10 from 45 reviews and ratingsRead 15 Oct 2026 · trustradius.com
Recurring payments
Recurring payments let merchants tokenize shopper payment details for subscriptions, automatic top-ups and later transactions.Read 15 Oct 2026 · help.adyen.com
SDK languages
Adyen's GitHub organization lists public libraries for PHP, Go, Node.js, Java, .NET and Python plus client SDKs for Web, iOS, Android, React Native and Flutter.Read 15 Oct 2026 · github.com
SDK licence
The public Adyen OpenAPI repository is licensed under the MIT License.Read 15 Oct 2026 · github.com
Security certifications
Adyen's Trust Center lists PCI DSS, SOC 1 Type II, SOC 2 Type II, ISAE 3402 Type II and ISO 27001:2022 credentials.Read 15 Oct 2026 · trust.adyen.com
Security update
The Trust Center states that a 2026 PCI-DSS Attestation of Compliance was published on April 2, 2026.Read 15 Oct 2026 · trust.adyen.com
Self-hosting
Adyen documentation describes API endpoints and hosted payment integrations but does not offer a self-hosted Adyen payments server.Read 15 Oct 2026 · docs.adyen.com
Support resources
Adyen links customers to developer documentation, Academy, and its Knowledge Hub.Read 30 Sep 2026 · adyen.com

Plans and prices

Interchange++ $0.13, paid once $0.13 + interchange + 0.60% per transaction Interchange fees vary · Payment-method fees apply Read 15 Oct 2026 · adyen.com
Pay per transaction $0.13, paid once $0.13 fixed processing fee per transaction plus a fee determined by payment method No setup fee · No monthly fee · Other Adyen products priced separately Read 15 Oct 2026 · adyen.com

Every Adyen plan and price →

Strong points and limits

Strong points

  • Access to more than 200 payment methods.
  • Supports 136 currencies.
  • Offers recurring and marketplace payments.
  • Payouts are available in 36 countries.
  • No setup or monthly fees are listed.

Limits

  • No free plan.
  • Each transaction has a processing fee and payment-method fee.
  • Merchants retain PCI responsibilities.

Who it suits

Adyen is aimed at global businesses handling enterprise payment volume. It may suit businesses that need multiple payment methods, recurring or marketplace payments, and checkout options through components or an API.

Verdict

Adyen describes payment acceptance, checkout customization, and transaction optimization within a single integration. Its transaction pricing has no setup or monthly fee, but each transaction carries both a fixed processing fee and a payment-method fee.

Where Specifiction places it

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