Adyen

Enterprise omnichannel payments platform using interchange++ pricing, with native AI and an official MCP server.

In-person rate: IC++ + 0.60% + $0.13
Online rate: IC++ + 0.60% + $0.13
Monthly fee: Free
Contract: Not stated

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 USDLast verified July 16, 2026

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.

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.

Compare all providers

	Adyen	Helcim $104/mo est.	Stax $129/mo est.	PayPal $438/mo est.
In-person rate	IC++ + 0.60% + $0.13	IC + 0.40% + 8c	0% markup + 8c	2.29% + 9c
Online rate	IC++ + 0.60% + $0.13	IC + 0.50% + 25c	0% markup + 15c	2.99% + 49c
Monthly fee	Free	Free	$99/mo	Free
Hardware cost	Get quote	Card Reader $199; Smart Terminal $349 (or $32/mo)	Quoted (resells Dejavoo/Verifone/Clover near cost)	PayPal Zettle reader ~$29 (first reader); extras ~$79
Contract length	Not stated	No contract	Month-to-month	Month-to-month
Settlement time	Configurable payout schedule	Next business day	1-3 business days	1 business day
Est. monthly cost	—	$104/mo	$129/mo	$438/mo
	Visit Adyen	View details	View details	View details