Adyen
Adyen is a Dutch unified fintech platform offering payments, treasury, card issuing, and embedded financial products to global enterprise merchants on a single in-house-built stack. It serves customers such as Microsoft, Uber, Spotify, Meta, McDonald's, and Shopify from 29 offices worldwide.
- Company typePublic
- Founded2006
- HeadquartersAmsterdam, Netherlands
- Headcount5,001–10,000
- GTM typeB2B
- OfferingSoftware
What Adyen does
Adyen N.V. is a Dutch public fintech company that operates a unified global payments platform for large enterprises. Founded in 2006 and headquartered in Amsterdam, the company went public on Euronext Amsterdam in June 2018 at roughly a €7 billion valuation and now operates 29 offices across four continents serving customers including Microsoft, Uber, Spotify, eBay, Meta, McDonald's, Adobe, Salesforce, Shopify, Booking.com, Prada Group, HUGO BOSS, and Decathlon. Its single-stack architecture was built from scratch in-house rather than assembled via acquisitions, combining gateway, processor, and acquirer functions and supporting 200+ payment methods, 150+ currencies, and local acquiring in 27+ markets.
The platform spans four product pillars: (1) Core Payments, delivered through the flagship Adyen Payments Suite, Online Payments, and In-Person Payments; (2) Adyen Uplift, an ML-driven suite covering Protect (fraud detection), Authenticate (PSD2 SCA routing), Tokenize, and Optimize (authorization and revenue optimization); (3) Financial Products, including Card Issuing, Adyen for Platforms (embedded payments, accounts, and capital), and the recently launched Intelligent Money Movement treasury infrastructure; and (4) the newly launched Adyen Agentic suite of APIs for AI-agent-mediated commerce. In 2026 Adyen agreed to two acquisitions — Talon.One for €750 million (loyalty/promotions) and Orb for $335 million (enterprise billing) — its first-ever M&A deals, financed from cash on hand and signaling a strategic pivot from in-house build toward selective M&A.
The company runs a transaction-based revenue model, charging a processing fee plus payment method fee per transaction (e.g., base fee of $0.13 per transaction plus variable payment-method fees, with credit cards at roughly 3.3% + $0.10 globally and an Interchange++ option for transparent pass-through pricing). FY2025 net revenue was €2.36 billion with 25% YoY growth and €635M net income; Q1 2026 net revenue was $719.94M (+16% YoY). Customers are reached primarily through enterprise field sales from 29 offices, supplemented by API-first self-serve distribution (with 34+ pre-built plugins), a technology and service partner ecosystem (SAP, Adobe, Salesforce, Accenture, Deloitte), and embedded distribution through SaaS and marketplace platforms.
Adyen firmographics
Firmographics- Name
- Adyen
- Legal name
- Adyen N.V.
- Website
- https://adyen.com
- Company type
- Public
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Adyen is a Dutch unified fintech platform offering payments, treasury, card issuing, and embedded financial products to global enterprise merchants on a single in-house-built stack. It serves customers such as Microsoft, Uber, Spotify, Meta, McDonald's, and Shopify from 29 offices worldwide.
- Ownership category
- akta.pro rank
Adyen industry classification
Industry- Product category
- Payment Processing Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
- akta.pro secondary industries
- Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG), POS, QR & In-Person Acceptance Infrastructure (Crypto) (FSADAIAI)
Keywords
Where Adyen is headquartered
LocationHeadquarters
- HQ city
- Amsterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices26 records
Markets served
Adyen business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Payment Processing: Transaction-based revenue from processing payments. Each transaction charged a processing fee plus payment method fee. Offers Interchange++ pricing model for transparency and Blend model for simplified pricing.
- Card Issuing: Revenue from issuing branded physical and virtual cards. Generates interchange share from card transactions processed.
- Embedded Finance (Capital): Business lending embedded within partner platforms. Loans range from $500 to $100,000 with repayment tied to percentage of daily sales.
- Acquisition Revenue (Talon.One): Projected to add approximately €60 million in annual recurring revenue from Talon.One loyalty platform acquisition.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Pay-per-transaction with fixed processing fee + payment method fee |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Adyen product offering
Product offeringCore offering
Adyen operates a single global payment platform that combines gateway, processor, and acquirer functions, enabling enterprises to accept, settle, and move funds across online, in-person, and in-app channels. The platform supports 200+ payment methods in 150+ currencies and extends into fraud management, authentication, card issuing, embedded finance, and treasury infrastructure. Banking licenses in the US, UK, and EU allow Adyen to provide direct acquiring, settlement, and capital products to large global merchants through one API integration.
Product overview
Adyen operates as a unified fintech platform providing payments, data insights, and financial products through a single integrated system. The core offering includes Adyen Payments Suite (flagship payments for online retailers), Online Payments, In-Person Payments, and Intelligent Money Movement (treasury infrastructure). The product portfolio is organized around three strategic pillars: (1) Core Payments including checkout, settlement, and 200+ payment methods; (2) Adyen Uplift suite comprising Protect (fraud detection), Authenticate (3DS/SCA), Tokenize, and Optimize modules; and (3) Financial Products including Card Issuing, Embedded Finance/Adyen for Platforms, and Capital. Recent expansions include Adyen Agentic (AI agent commerce APIs) launched June 2026, and strategic acquisitions of Talon.One (loyalty platform) and Orb (enterprise billing) expected to close in H2 2026 and July 2026 respectively.
Differentiator
Problem solved
Functional benefit
Brands
- Adyen Agentic: Commerce infrastructure solution for agentic AI commerce, enabling enterprise merchants to sell through conversational AI platforms via modular APIs including Agentic Feed, Agentic Cart, and Agentic Payments modules.
- Intelligent Money Movement
- Adyen Payments Suite
- Adyen Issuing
- Adyen Uplift
- Adyen for Platforms
Products and services
- Adyen Payments Suite Flagship payments suite for fast-scaling online retailers integrating checkout, fraud control, and payouts into one unified offering, supporting global payment method acceptance.
- Intelligent Money Movement Unified treasury infrastructure for large global enterprises that connects payments, liquidity management, and payouts on a single system, providing real-time cash visibility across entities, currencies, and markets.
- Online Payments Payment processing for web, in-app, and recurring channels with support for credit cards, digital wallets, BNPL, bank transfers, and real-time payment methods across 200+ payment methods globally.
- In-Person Payments Point-of-sale payment solutions including payment terminals, mobile payments, and Tap to Pay functionality for physical retail, restaurant, and pop-up environments.
- Adyen Uplift Suite of fraud and revenue optimization tools powered by machine learning and network-wide insights, including Protect (fraud detection), Authenticate (PSD2 SCA compliance), Tokenize, and Optimize (authorization rate and conversion optimization) modules.
- Card Issuing Physical and virtual card issuing platform enabling enterprises to create branded corporate cards for expense management, supplier payments, and embedded finance applications with full customization of card experiences and real-time transaction data.
- Embedded Finance / Adyen for Platforms Suite of embedded financial products including embedded payments, embedded issuing, embedded accounts, and embedded capital that enables platforms and marketplaces to offer white-labeled financial services to their merchants through a single integration.
- Adyen Agentic Suite of modular APIs enabling enterprises to sell through conversational AI platforms, including Agentic Feed for catalog distribution, Agentic Cart for checkout integration, and Agentic Payments for agent-led transactions.
Quantifiable outcome
- 99.999% platform uptime historically
- +5 more outcomes
Companies that use Adyen
Customer profileNamed customers22 records
Segments6 records
Ideal customer profiles5 records
Adyen technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration16 records
AI capability7 records
Feature5 records
Adyen partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- MastercardcoreAdyen is launch partner for Mastercard Agent Pay for Machines (AP4M), enabling autonomous transactions between AI agents and machines across card networks and stablecoins.
- Shepherd 'Shep' Smith / North America LeadershipcorePromoted internal executive Shepherd 'Shep' Smith to President of North America operations, succeeding Davi Strazza. Smith previously VP at Adyen and COO at Synctera, also worked at Google.
- ROLLERcorePartnership launched ROLLER Capital powered by Adyen Capital, providing embedded business loans ($500-$100K) to 3,000+ leisure venue operators. Disbursed $1M in first week. Available in US, Canada, Australia, UK, Ireland with expansion to Finland, Netherlands, Spain, Sweden.
- SAPcoreAdyen collaboration with SAP supporting launch of SAP Unified Payment, a native embedded payment solution for SAP Commerce Cloud. Combines AI-driven fraud management, real-time settlement visibility, and global scalability across ecommerce, POS, and ERP systems.
- lastminute.comcoreExtended partnership adding virtual card issuing for supplier payments. Reduced fund transfer times by 2-3 days and improved reconciliation efficiency by 5%. Previously slashed product launch timelines by 70%.
- AdobecoreAdobe integrated Adyen as payment partner in its CX Enterprise platform for seamless checkout within agent-powered interactions. Adobe Summit 2026 announcement.
- Careem Paycore8+ year partnership expanded to support Careem Pay's remittance services in UAE. Adyen provides unified settlement system and streamlined reporting for international money transfers to Europe, Middle East, and South Asia.
Scale indicators14 records
Recent moves7 records
Expansion highlights9 records
Adyen competitors and assessment
Company assessmentDirect peers
- Stripe: Stripe is Adyen's most direct global competitor in enterprise payment processing. Both offer unified APIs for online/in-person acceptance, dispute management, and embedded finance targeting large omnichannel merchants (Shopify, Salesforce) with developer-first integration and similar transaction-based pricing.
- Checkout.com: Checkout.com is a fellow European-headquartered payments processor targeting large global merchants with a single-acquirer platform, interchange++ pricing, and broad payment-method coverage — a near-mirror of Adyen's enterprise positioning, though smaller in scale and brand.
Broad incumbents
- Worldpay: Worldpay (FIS subsidiary) is one of the largest legacy merchant acquirers globally, processing trillions in card volume and serving large enterprise merchants. Overlaps directly with Adyen in cross-border card processing and POS terminals but operates at higher scale with a broader SMB footprint.
- PayPal / Braintree: PayPal (including Braintree) competes with Adyen for enterprise merchants on cross-border processing, with Braintree providing gateway services and PayPal/Braintree managing many of the same Fortune 500 relationships. A broader incumbent offering consumer wallets and BNPL in addition to enterprise acquiring.
- Global Payments: Global Payments is a US-listed merchant acquirer and software-led payments provider, comparable to Adyen in merchant services, POS, and issuer processing. A larger incumbent with broader product breadth but less of a modern unified-stack architecture.
- FIS (Fidelity National Information Services): FIS is a global financial technology provider with merchant acquiring (via Worldpay), issuing, and treasury capabilities overlapping Adyen's Intelligent Money Movement and Issuing product lines. Operates at significant scale across multiple geographies and product verticals.
- Block (Square): Block (parent of Square) operates a full-stack seller and payments ecosystem with comparable card-present and card-not-present processing. Overlaps with Adyen on omnichannel payment acceptance and embedded financial services for SMB and mid-market merchants.
Emerging players
- Marqeta: Marqeta is a card-issuing platform that overlaps with Adyen Issuing for physical and virtual cards. A narrower scope (issuing-focused rather than full-stack processing) targeting fintechs and platforms — comparable on card issuing but lacks Adyen's acquiring breadth.
Regional players
- Mollie: Mollie is a European payment service provider primarily serving SMB and mid-market merchants across the EU. Competes with Adyen in Europe at a smaller scale but with overlap in multi-method acceptance and platform integrations.
- Razorpay: Razorpay is an India-focused payment gateway and business banking platform that resembles an India-localized version of Adyen. Adjacent in business model (gateway + issuing + business lending) but focused on the Indian market with a regional product set.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Adyen social profiles
Digital presenceAdyen compliance and trust
Trust signalCompliance4 records
Adyen financial estimates
Financial estimateRevenue estimate
Valuation estimate
Adyen leadership team
Management profileNumber of profiles
Profiles11 records
Adyen subsidiaries and ownership
Company hierarchySubsidiaries2 records
Adyen funding detail
Funding detailFunding overview
Funding rounds3 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Adyen M&A and investment
M&A and investmentM&A2 records
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Adyen
What does Adyen do?
Adyen operates a single global payment platform that combines gateway, processor, and acquirer functions, enabling enterprises to accept, settle, and move funds across online, in-person, and in-app channels. The platform supports 200+ payment methods in 150+ currencies and extends into fraud management, authentication, card issuing, embedded finance, and treasury infrastructure. Banking licenses in the US, UK, and EU allow Adyen to provide direct acquiring, settlement, and capital products to large global merchants through one API integration.
Is Adyen a public or private company?
Adyen is a public company. It is classified as public and is currently operating.
When was Adyen founded?
Adyen was founded in 2006. It employs 5,001 to 10,000 people.
Where is Adyen based?
Adyen is headquartered in Amsterdam, Netherlands, in the Europe region.
How does Adyen make money?
Four revenue lines are on record. Payment Processing is the primary driver. The others are card Issuing, embedded Finance (Capital) and acquisition Revenue (Talon.One).
Who are Adyen's main competitors?
Direct peers on record are Stripe and Checkout.com. Broad incumbents are Worldpay, PayPal / Braintree, Global Payments, FIS (Fidelity National Information Services) and Block (Square). Marqeta is listed as an emerging player. Regional players are Mollie and Razorpay.
Does Adyen have an API?
Yes. Adyen offers a public API that enables developers to build payment integrations. The API supports multiple implementation options including Drop-in (pre-built UI), Components (semi-customizable), and API-only (fully customized checkout). Documentation is available at docs.adyen.com. The API is used for online payments, in-person payments, fraud management, authentication, and other payment operations. Adyen also offers webhooks for real-time event notifications. Developer documentation is at docs.adyen.com.
What industry is Adyen in?
Adyen's product category is Payment Processing Platform. Its primary akta.pro industry code is FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure, with a secondary code of FSAMAIAG, Multi-Currency Accounts, Wallets & IBAN Services. Its NAICS code is 522320 and its SIC code is 6199.