Payment Systems

Adyen

Payment System Name

Adyen

Company Name

Adyen N.V.

Company Headquarters Location

Amsterdam, Netherlands

Company Type

Public (traded on Euronext Amsterdam)

Website URL

https://www.adyen.com

Platform Type

Online (Web-based payments, e-commerce checkout)

POS (Point of Sale)

Mobile (App-based payments, digital wallets, QR codes)

Omnichannel (Integrated across online, POS, and mobile)

P2P (Peer-to-Peer)

Countries of Operation

Asia

North America

Europe

Central America

Pacific

South America

Industries Served

E-commerce

Retail (Brick-and-mortar stores)

Hospitality

Transportation

SaaS & Digital Services

Gaming & Entertainment

Healthcare

Education

Food & Beverage

Freelancers & Gig Economy

Nonprofits & Donations

Supported Business Sizes

Freelancers & Individuals

Small Businesses (1–50 employees)

Mid-sized Businesses (50–500 employees)

Enterprises (500+ employees)

Supported Payment Methods

Credit Cards (Visa, Mastercard, Amex, etc.)

Debit Cards (Bank-issued debit cards)

Bank Transfers (ACH, SEPA, SWIFT, local bank transfers)

Digital Wallets (Apple Pay, Google Pay, PayPal, WeChat Pay, Alipay, etc.)

Cryptocurrencies (Bitcoin, Ethereum, USDT, etc.)

Buy Now, Pay Later (Klarna, Afterpay, Affirm, etc.)

QR Code Payments

Direct Carrier Billing (via mobile operator balance)

Stored Value Accounts (prepaid balances)

Supported Currencies

Multi-Currency (Requires conversion)

Cross-Border Payments

Yes – Native Support

Settlement Time

1–3 Business Days

Regulatory Licenses & Compliance

PCI-DSS Compliant

AML/KYC Compliance

GDPR & Data Privacy Compliant

Local Financial Regulations (e.g., PBOC, RBI, MAS, etc.)

Fraud Protection Features

3D Secure (3DS, 3DS2)

AI-Powered Fraud Detection

Chargeback Prevention

Transaction Monitoring & Risk Scoring

Multi-Factor Authentication (MFA)

Transaction Fees

Interchange-Plus (Fees based on card network rates + markup)

Additional Fees

Monthly Subscription Fees

Chargeback Fees

Currency Conversion Fees

Withdrawal/Payout Fees

Customer Support Availability

Business Hours Only

Email/Ticket-Based Only

Self-Service Documentation

Dedicated Account Manager (For enterprise users)

API & Integration Support

Public REST API

SDKs (iOS, Android, Web)

Pre-built Plugins (Shopify, WooCommerce, etc.)

Customizable Checkout

Adyen is a leading global financial technology platform that provides end-to-end payment solutions for businesses of all sizes. Headquartered in Amsterdam and publicly traded on Euronext, Adyen was built from the ground up to address the fragmented nature of legacy payment systems. Its mission is simple but ambitious: to create a unified commerce infrastructure that handles online, mobile, and in-person transactions through a single, streamlined platform. Trusted by enterprise giants like Spotify, Uber, and eBay, Adyen allows merchants to accept payments in any channel and across borders without the need to juggle multiple providers. The platform’s global reach spans over 200 countries and supports more than 150 currencies, making it one of the most scalable solutions for businesses looking to expand internationally.

What distinguishes Adyen technically is its fully in-house developed system architecture. Unlike many legacy providers that rely on third-party processors or bolt-on solutions, Adyen controls every layer of its stack—from payment processing and fraud prevention to risk management and reconciliation. This level of ownership ensures tight integration and faster innovation, giving businesses access to real-time data, dynamic payment routing, and intelligent revenue optimization. Adyen’s RevenueAccelerate suite uses machine learning to reduce false declines, improve authorization rates, and enhance overall customer experience. For developers and enterprise IT teams, the platform offers a robust set of REST APIs, SDKs, and prebuilt plugins for popular platforms, alongside strong documentation and sandbox environments. Security is embedded at every level, with PCI-DSS Level 1 compliance, tokenization, and 3D Secure 2.0 support, ensuring safe and compliant transaction handling in even the most regulated industries.

Beyond its powerful technical capabilities, Adyen distinguishes itself by acting as a strategic partner rather than a simple service provider. The platform offers granular reporting and analytics tools that give merchants actionable insights into payment performance, customer behavior, and operational efficiencies. Its unified back office means businesses can manage point-of-sale and online payments from a single dashboard, simplifying reconciliation and cash flow management. Adyen also supports local payment methods—from iDEAL in the Netherlands to Alipay and WeChat Pay in Asia—ensuring that customers can pay how they prefer, no matter where they are. By combining reliability, global scalability, and a commitment to continuous innovation, Adyen has become the go-to solution for modern enterprises looking to future-proof their payment infrastructure and elevate the customer checkout experience across all channels.