Adyen
- In-person rate
- IC++ + 0.60% + $0.13
- Online rate
- IC++ + 0.60% + $0.13
- Monthly fee
- Free
- Hardware cost
- Get quote
- Contract length
- Not stated
- Settlement time
- Configurable payout schedule
- Est. monthly cost
- —
Adyen
Enterprise omnichannel payments platform using interchange++ pricing, with native AI and an official MCP server.
Best for
Enterprise and high-volume US businesses that want transparent interchange++ pricing and one platform across online, in-person, and Tap to Pay channels.
- In-person rate
- IC++ + 0.60% + $0.13
- Online rate
- IC++ + 0.60% + $0.13
- Monthly fee
- Free
- Contract
- Not stated
Pricing breakdown
All prices in USDPrices checked
Every fee we track, grouped by where it applies.
In-person payments
In-person terminal and tap-to-pay transactions.
- Transaction rate
- IC++ + 0.60% + $0.13
Adyen interchange++ pricing: a $0.13 fixed processing fee plus a published 0.60% markup over pass-through interchange and scheme fees (Visa/Mastercard). The all-in rate depends on the card issued, so it cannot be reduced to one flat percentage; value is deliberately non-numeric so the cost engine shows "Get quote" rather than a misleading partial rate. Same model applies in-person and online. Source: adyen.com/pricing, read 2026-07-16.
- Monthly fee
- Free
No monthly, set-up, integration, or closure fees. A minimum invoice threshold applies depending on industry/business model. Source: adyen.com/pricing FAQ, read 2026-07-16.
- Hardware cost
- Get quote
Terminal pricing depends on multiple factors; Adyen directs merchants to contact sales rather than publishing a price. Source: adyen.com/devices FAQ, read 2026-07-16.
- Setup fee
- Free
No set-up fee. Source: adyen.com/pricing FAQ, read 2026-07-16.
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- IC++ + 0.60% + $0.13
Same interchange++ model as in-person. Source: adyen.com/pricing, read 2026-07-16.
- Monthly fee
- Free
No monthly, set-up, integration, or closure fees. A minimum invoice threshold applies depending on industry/business model. Source: adyen.com/pricing FAQ, read 2026-07-16.
- Setup fee
- Free
No set-up fee. Source: adyen.com/pricing FAQ, read 2026-07-16.
Other fees
- Chargeback fee
- Get quote
A chargeback processing fee is debited for every booked chargeback; the amount is not published, and additional scheme arbitration penalties (reported up to $600) can apply. Source: help.adyen.com dispute/chargeback articles, read 2026-07-16.
- AMEX rate
- 3.3% + $0.10 (North America) + $0.13
North America Amex rate; global rate is 3.95% + $0.13. Source: adyen.com/pricing ("American Express (AMEX)" row, More information), read 2026-07-16.
- International card surcharge
- Not stated
Not published as a separate named fee; cross-border interchange and scheme fees pass through within the per-payment-method IC++ rate. Source: adyen.com/pricing, read 2026-07-16.
- Early termination fee
- Not stated
Not published on adyen.com.
- Instant payout fee
- Not stated
Payout delay can be decreased "at a premium" for eligible regions, but no fee amount is published. Source: docs.adyen.com/account/getting-paid, read 2026-07-16.
- Refund fee
- Not published
Adyen charges the same processing fee on a refund as on the original transaction (interchange/scheme fees are not refunded); the exact amount is account-specific and appears as a line item on the monthly invoice. Source: help.adyen.com "What are the fees on my invoice?", read 2026-07-16.
- PCI compliance fee
- Not stated
Adyen is PCI DSS Level 1 certified itself, but no separate merchant-facing PCI compliance fee is listed among Adyen's published invoice fee categories. Source: help.adyen.com "What are the fees on my invoice?" and adyen.com/devices FAQ, read 2026-07-16.
Contract terms
- Contract length
- Not stated
Not published on adyen.com; pricing and terms are set per contract via the sales team.
- Settlement time
- Configurable payout schedule
Funds settle to a payable batch depending on payout model/frequency, then take up to a further 2 days to reach the bank account; exact timing is merchant-configured. Source: docs.adyen.com/account/getting-paid, read 2026-07-16.
- Recurring billing
- Yes
Tokenization and Pay by Link both support recurring/non-fixed-schedule payments. Source: adyen.com/pay-by-link and docs.adyen.com, read 2026-07-16.
How Adyen compares
All prices in USDPrices checked
Side-by-side with the closest alternatives by estimated cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
Square
$451.50/mo est.
- In-person rate
- 2.6% + 10c
- Online rate
- 2.9% + 30c
- Monthly fee
- Free
- Hardware cost
- Free reader; Reader $59, Terminal $299, Register $799
- Contract length
- Month-to-month
- Settlement time
- Next business day
- Est. monthly cost
- $451.50/mo
Stripe
$451.50/mo est.
- In-person rate
- 2.7% + 5c
- Online rate
- 2.9% + 30c
- Monthly fee
- Free
- Hardware cost
- Reader M2 $59, WisePOS E $249, Reader S700 $349
- Contract length
- No contract
- Settlement time
- Standard payouts
- Est. monthly cost
- $451.50/mo
Clover
$510.50/mo est.
- In-person rate
- 2.6% + 10c
- Online rate
- 3.5% + 10c
- Monthly fee
- From $0-135/mo
- Hardware cost
- Go ~$49-199, Flex ~$599-749, Mini ~$799-849, Station ~$1,499+
- Contract length
- Varies by reseller
- Settlement time
- Next business day
- Est. monthly cost
- $510.50/mo
- In-person rate
- —
- Online rate
- —
- Monthly fee
- None
- Contract
- Enterprise agreement
Pricing breakdown
All prices in USDPrices checked
Every fee we track, grouped by where it applies.
In-person payments
In-person terminal and tap-to-pay transactions.
- Monthly fee
- None
Adyen states no setup and no monthly fees; you pay per transaction. Verified 2026-07-29.
Online payments
Online checkout and keyed-in card transactions.
- Monthly fee
- None
Adyen states no setup and no monthly fees; you pay per transaction. Verified 2026-07-29.
Contract terms
- Contract length
- Enterprise agreement
How Adyen compares
All prices in USDPrices checked
Side-by-side with the closest alternatives by estimated cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
Adyen
- In-person rate
- —
- Online rate
- —
- Monthly fee
- None
- Hardware cost
- —
- Contract length
- Enterprise agreement
- Settlement time
- —
- Est. monthly cost
- —
Stripe
$525/mo est.
- In-person rate
- —
- Online rate
- —
- Monthly fee
- Free
- Hardware cost
- —
- Contract length
- No lock-in, pay as you go
- Settlement time
- —
- Est. monthly cost
- $525/mo
PayPal
$595.50/mo est.
- In-person rate
- —
- Online rate
- —
- Monthly fee
- Free
- Hardware cost
- —
- Contract length
- No lock-in
- Settlement time
- —
- Est. monthly cost
- $595.50/mo
Checkout.com
- In-person rate
- —
- Online rate
- —
- Monthly fee
- Custom
- Hardware cost
- —
- Contract length
- Enterprise agreement
- Settlement time
- —
- Est. monthly cost
- —
Common questions about Adyen for marketplace payments
The same questions US merchants ask before signing up.
No. Adyen states plainly that there is no setup fee and no monthly fee, and that you pay per transaction. The cost of Adyen is therefore entirely volume-driven, which suits a platform with steady processing and works against one testing an idea at low volume.
Usually not. Adyen for Platforms is sold as an enterprise agreement with a direct commercial relationship, and interchange-plus only beats flat-rate pricing once your volume is large enough for the interchange saving to outweigh the integration effort. An early-stage platform is generally better served by Stripe Connect, which publishes every fee and needs no negotiation.
Full visibility of the fee stack. Interchange++ passes the card scheme and interchange fees through at cost with Adyen's margin shown separately, so you can see exactly what each component costs rather than one blended percentage. At scale that transparency is also leverage: you can see which card types are expensive and route or surcharge accordingly.
Strengths and trade-offs
Pros
- Transparent interchange++ pricing with no monthly, setup, or integration fees
- True unified commerce: online, in-person, and Tap to Pay on one platform with shared reporting
- Native AI (Adyen Uplift) plus an official MCP server for AI-agent integrations
- PCI DSS Level 1 certified with offline EMV and store-and-forward payment support
Cons
- No self-serve signup; onboarding goes through the Adyen sales team
- Minimum invoice threshold makes it impractical for micro or low-volume merchants
- No built-in POS software; terminals need a third-party POS to run a product catalogue
- Chargeback, refund, and PCI-related fees are charged but not published
Accepted payment methods
Cards, wallets, and other methods supported by Adyen for US merchants.
Cards
- Visa
- Mastercard
- AMEX
- Discover
- Diners Club
Digital wallets
- Apple Pay
- Google Pay
Buy now, pay later
- Affirm
- Afterpay
- Zip
Other
- ACH bank transfer
- Cash App Pay
About Adyen
Adyen is an Amsterdam-based, publicly listed payments platform used by global enterprise brands. Interchange++ pricing passes interchange and card scheme fees through directly, with a fixed $0.13 processing fee plus a small published markup on top (0.60% for Visa and Mastercard). There is no monthly, setup, integration, or closure fee, though a minimum invoice threshold applies depending on industry and business model.
Adyen's Unified Commerce platform connects online, in-person, and Tap to Pay channels on one system with shared reporting, and the company ships Adyen Uplift (AI-driven authorization and fraud optimization) plus an official Model Context Protocol server for AI-agent integrations. Everything is quote-led: businesses apply through the Adyen sales team rather than signing up self-serve, and Adyen has no built-in POS software of its own, so terminals pair with a third-party or partner POS system.
Adyen was founded in 2006 and is headquartered in Amsterdam, Netherlands.
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