The Finance Base / Payment gateways / Adyen
adyen.com
Adyen
Adyen is a paid service that lets businesses process online, in-app and agentic transactions through one API link. Its online-payments offering covers over 200 methods and 136 currencies, with checkout, authentication, fraud-management and recurring-payment features. Entry pricing is published…
Visit adyen.com ↗ What it costs
- 7.6 No. 14on Payment gateways
- From $0.13price, as published
- Oct 15, 2026read on
What Adyen costs
- Interchange++ $0.13 / once
- Pay per transaction $0.13 / once
Listed pricing begins at $0.13. Interchange++ combines interchange with a 0.60% per-transaction charge; Pay per transaction adds a payment-method fee. Pay per transaction has no setup or monthly fee, and other products are priced separately.
As adyen.com publishes them, read Oct 15, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- No
- Free trial
- Not stated
- Runs on
- iPhone Android Web
- Facts on record
- 54
Strengths and limits
Strengths
- Over 200 payment methods available through one integration
- 136 currencies supported, with payouts in 36 countries
- Drop-in checkout or custom API flows
- Recurring payments and Dynamic Currency Conversion
- SDKs for web, iOS, Android and major server languages
Limits
- No free plan
- Interchange and payment-method fees can add to the base charge
- Enterprise payment volume is the stated target
- No self-hosted Adyen payment server
- Merchants retain PCI DSS responsibilities
What Adyen does
Businesses can use Adyen to process, refine and settle online payments from one platform. The same API connection supports in-app and agentic transactions, and Adyen’s payment page describes more than 200 available methods.
Checkout can be assembled with ready-made Drop-in components or created as a custom API flow. Adyen positions the service for worldwide companies handling enterprise-level payment volume.
Fees and plans
Under Interchange++, each transaction has a one-time $0.13 charge, then interchange and an additional 0.60% fee. Interchange amounts differ, and payment-method charges are added.
With Pay per transaction, Adyen applies a fixed $0.13 processing amount to each transaction, together with a charge set by the selected payment method. This option has neither setup nor monthly fees. Adyen prices other products separately.
Adyen publishes no free plan. Its listed entry point is $0.13, but the overall amount cannot be reduced to one figure because interchange and payment-method charges vary.
Where it runs
Adyen provides web and API integrations, plus extension support. Its public libraries cover PHP, Go, Node.js, Java, .NET and Python, with client SDKs for Web, iOS, Android, React Native and Flutter.
On Android, the Adyen Payments app accepts contactless payments on compatible NFC devices when integrated with a point-of-sale app. The MyStore Android demo shows Drop-in checkout, cards, wallets, local methods, regional language and currency, and Dynamic 3D Secure. The facts do not state what an iPhone app can do.
Adyen’s documentation covers hosted payment integrations and API endpoints, rather than a self-hosted payments server. A Chrome extension called Adyen Test Cards can copy test card, gift-card and IBAN data and pre-fill Web Drop-in.
Protection and rules, as Adyen publishes them
Adyen reports PCI DSS v4.0 Level 1 compliance and an annual review by a Qualified Security Assessor. Its Trust Center lists PCI DSS, SOC 1 Type II, SOC 2 Type II, ISAE 3402 Type II and ISO 27001:2022 credentials. The Trust Center says a 2026 PCI-DSS Attestation of Compliance was published on April 2, 2026.
According to Adyen, encrypted integrations can narrow a business’s PCI DSS scope but cannot remove the merchant’s PCI obligations. It also says its main systems run in data centers in Europe, the United States, India, Singapore, Japan and Australia, without public cloud services for payment processing.
Strengths
A single API link handles online, in-app and agentic transactions, while Adyen describes access to more than 200 methods and 136 currencies.
Drop-in components, custom checkout, recurring payment tokenization and Dynamic Currency Conversion give businesses several checkout and billing options.
Adyen names AI features for personalization, authentication, fraud defense, tokenization and payment-cost control. Its platform offering also includes onboarding, split payments, payouts, reporting and reconciliation.
Catches and checks
The listed prices do not represent complete all-in rates. Interchange++ combines variable interchange with 0.60% per transaction, while Pay per transaction adds a payment-method charge; other products have separate pricing.
Adyen lists 36 payout countries and 136 currencies, so availability depends on the business’s markets and currencies. The platform is described for global businesses and enterprise payment volume.
Using an encrypted integration may narrow PCI DSS scope, but Adyen says the merchant still has PCI duties. The facts do not state minimums, payment holds or account limits.
Who should skip Adyen
Businesses seeking a free plan or a single predictable all-in monthly price may find the published structure difficult to fit. Adyen also may not suit a small operation that does not need enterprise-scale payment volume.
For other payment-gateway options, see payment gateways. For payment-link focused tools, compare payment link apps, Razorpay Payment Links or PayPal Invoicing.
Verdict
Adyen suits businesses seeking wide payment-method and currency coverage, one API connection, and configurable checkout, recurring billing or platform-payment capabilities. Its developer resources and SDK coverage support custom builds, while Drop-in offers a quicker interface path.
It may not fit buyers looking for a free tier, a straightforward flat price or a payment server they can host themselves. Charges may combine fixed processing, interchange and payment-method amounts, and geographic availability should be checked against the listed payout countries.
Who it suits
Pick it if
- Global businesses handling enterprise payment volume
- Teams needing many payment methods and currencies
- Platforms needing onboarding, split payments and payouts
Skip it if
- You need a free tier or one all-in monthly price
- You want to host the payment server yourself
- Your business does not need enterprise-scale payment infrastructure
Facts we read
- API credentialsAPI credentials contain a username, API key and role permissions, and can be scoped to company or merchant accounts. · docs.adyen.com, Oct 15, 2026
- AuthenticationThe Authentication Engine selects among 3D Secure 2, scheme passkeys and Google Secure Payment Authentication using risk, device, issuer and regulatory signals. · docs.adyen.com, Oct 15, 2026
- CheckoutBusinesses can use out-of-the-box Drop-in components or build a custom checkout flow with Adyen’s API. · adyen.com, Sep 30, 2026
- Checkout UIAdyen offers customizable Drop-in UI components while handling payment logic and security. · adyen.com, Oct 15, 2026
- Chrome extensionAdyen Test Cards is a Chrome extension that copies test card, gift-card and IBAN data and can pre-fill Web Drop-in. · chromewebstore.google.com, Oct 15, 2026
- Company foundedAdyen says it was founded in 2006 in Amsterdam, Netherlands. · adyen.com, Oct 15, 2026
- Company scaleAdyen's About page reports more than 4,000 employees, over 115 nationalities and 28 offices. · adyen.com, Oct 15, 2026
- Conversion optimizationAdyen lists AI tools named Personalise, Authenticate, Protect, Tokenize and Optimize for conversion, authentication, fraud, storage and cost goals. · adyen.com, Oct 15, 2026
- Developer resourcesOfficial developer resources include API credentials, server libraries and SDKs, webhooks, client authentication, Postman collections, examples, OpenAPI files and video tutorials. · docs.adyen.com, Oct 15, 2026
- Dynamic currency conversionDynamic Currency Conversion provides real-time exchange rates and local-currency choice. · adyen.com, Oct 15, 2026
- Financial productsPlatforms can add Adyen-issued physical or virtual cards, business accounts and business financing. · docs.adyen.com, Oct 15, 2026
- Founded2006 · adyen.com, Sep 23, 2026
- Funding historyCrunchbase lists five investors, including ICONIQ Capital and Index Ventures, and three funding rounds. · crunchbase.com, Oct 15, 2026
- Global acquiringLocal acquiring licenses are offered to improve authorization rates and lower costs in different markets. · adyen.com, Oct 15, 2026
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Questions
Does Adyen have a free plan?
No. Adyen is listed as a paid service, with published pricing from $0.13.
What does Interchange++ cost?
Each transaction has a one-time $0.13 charge, followed by interchange and 0.60% per transaction. Interchange varies, and payment-method fees apply.
What does Pay per transaction cost?
Each transaction incurs a one-time $0.13 processing charge plus a fee determined by the payment method. This plan has no setup or monthly fee.
Where can Adyen payments run?
Adyen offers web and API integrations, extension support, and SDKs for Web, iOS, Android, React Native and Flutter. Hosted payment integrations are also available.
How many currencies does Adyen support?
The listed coverage is 136 currencies and 36 payout countries.
Can Adyen handle recurring payments?
Yes. Recurring payments tokenize shopper payment details for subscriptions, automatic top-ups and later transactions.
Does Adyen offer a self-hosted payment server?
No self-hosted Adyen payments server is described. Documentation covers API endpoints and hosted payment integrations.
What does Adyen publish about PCI compliance?
Adyen reports PCI DSS v4.0 Level 1 compliance and an annual external audit. Merchants still retain their own PCI responsibilities.
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