Adyen
- In-person rate
- —
- Online rate
- —
- Monthly fee
- None
- Hardware cost
- —
- Contract length
- Enterprise agreement
- Settlement time
- —
- Est. monthly cost
- —
Adyen
Enterprise omnichannel payments platform using interchange++ pricing, with native AI and an official MCP server.
- In-person rate
- —
- Online rate
- —
- Monthly fee
- None
- Contract
- Enterprise agreement
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.
Pricing breakdown
All prices in USDSourced from provider's published pricingEvery 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
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
- cash-app
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
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.
How Adyen compares
Side-by-side with the closest alternatives by estimated cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
Airwallex
$510/mo est.
- In-person rate
- —
- Online rate
- —
- Monthly fee
- Free (Explore plan)
- Hardware cost
- —
- Contract length
- No lock-in on entry plans
- Settlement time
- —
- Est. monthly cost
- $510/mo
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
Common questions about Adyen
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.
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