Adyen

Payment service provider · Amsterdam, Netherlands

Adyen was founded in Amsterdam in 2006 and was granted a European banking licence in 2017, which makes it an acquiring bank rather than a reseller of somebody else's acquiring. It processes card and local payments for large merchants and platforms in more than 60 shopper markets on one integration, and sells embedded financial products on top: accounts, card issuing and business capital. Pricing is published as a fixed USD 0.13 processing fee plus a payment method fee, with interchange plus plus on cards, no setup fee and no monthly fee. Adyen reported EUR 1.996 billion of revenue and EUR 925 million of net income for 2024, with EUR 11.425 billion of total assets and more than 4,300 staff.

Legal name: Adyen N.V.
Regulated by: De Nederlandsche Bank, Autoriteit Financiele Markten
Licence confirmed: yes, on a regulator's own list
Established: 2006
Website: www.adyen.com

Scores, 0 to 10

9.0Europe (EU, EEA, Switzerland)

A Dutch bank with a European banking licence since 2017, headquartered in Amsterdam, with SEPA and every major European local payment method in the published pricing tool. · source

8.5Online businesses: e-commerce and SaaS

Acquiring as a bank, unified commerce across online and point of sale, marketplace payouts and local methods in more than 60 shopper markets on one integration. Platform and marketplace products cover recurring billing, split payouts and embedded accounts for software companies, priced per transaction. · source

8.0United Kingdom

The United Kingdom is a shopper market in Adyen's own pricing tool with local card and payment method pricing. · source

8.0United States

The United States is a shopper market with ACH Direct Debit at USD 0.27 and interchange plus plus card pricing published. · source

8.0Asia-Pacific (SG, HK, AU, JP, KR)

Singapore, Japan, Australia, New Zealand, South Korea, Hong Kong, China, Malaysia, the Philippines, Thailand, Vietnam and Indonesia all appear as shopper markets with local methods. · source

8.0Fintech companies that need a partner bank

Adyen for Platforms lets software companies embed payments, accounts, card issuing and capital, with Adyen carrying the banking licence. · source

8.0Financial strength & stability

A licensed European bank listed on Euronext Amsterdam and in the AEX, with EUR 925 million of net income and EUR 4.232 billion of equity in 2024. · source

7.0Canada

Canada is a listed shopper market with local card and Affirm instalment pricing published in Canadian dollars. · source

7.0Middle East & Gulf

The United Arab Emirates, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman, Israel, Turkey and Egypt appear as shopper markets in the pricing tool. · source

7.0Latin America, Africa & South Asia

Brazil, Mexico, India, Kenya, Nigeria, Tanzania, Zambia, Mozambique and Morocco appear as shopper markets with local payment methods priced. · source

7.0Cross-border payments, FX and multi-currency accounts

Merchants choose when and in which currency to settle across shopper markets on five continents, but Adyen publishes no FX margin and no settlement currency list. Embedded accounts, choice of settlement currency and payouts across dozens of markets under one contract, but no cash pooling or hedging product is published. · source

7.0Lowest fees

No setup and no monthly fee, a fixed USD 0.13 processing fee and interchange plus plus on cards, but the all-in cost depends on interchange the merchant cannot see in advance. · source

7.0Business cards (Visa, Mastercard)

Adyen issues cards for merchants and platforms as an embedded financial product, though it publishes no card fee schedule or spend control detail. · source

5.0Foreign-owned & non-resident companies

Adyen contracts with merchants across more than 60 shopper markets but publishes no policy on companies owned or directed from abroad. · source

5.0On-ramp: buy crypto with fiat

Adyen's prohibited and restricted list marks cryptocurrency exchanges as restricted for direct merchants, meaning onboarding with extra documents, and prohibited on its platform model, so exchanges can take card payments through Adyen only case by case. · source

4.5Fast digital onboarding

Onboarding runs through a sales conversation rather than self-serve signup, and Adyen publishes no time to go live. · source

4.0Startups & VC-backed companies

The product is aimed at large merchants and platforms; there is no startup programme, self-serve tier or venture debt. · source

4.0Off-ramp: crypto to fiat in a business account

Virtual currency businesses and crypto trading are restricted categories that need extra documents, and Adyen publishes no source-of-funds process for crypto proceeds arriving in its business accounts, checked September 2026. · source

3.5Best interest on business balances

Adyen holds merchant balances as a bank but publishes no interest rate, savings account or treasury sweep for merchants. · source

3.0Crypto-friendly bank

Adyen publishes no policy on onboarding crypto exchanges or brokers and lists no crypto payment method in its pricing tool. · source

2.5Customer satisfaction

Trustpilot 1.3 out of 5 from 442 reviews, on a small review base for a company of this size. · source

2.5High-risk verticals (iGaming, cannabis, adult, forex)

No onboarding path for gambling, cannabis, adult or forex operators appears in the published pricing or product pages. · source

2.0Trade, manufacturing & import-export

No letters of credit, guarantees or supply chain finance; the credit product is business capital advanced against processed volume. · source

2.0Stablecoins (USDC, USDT and others)

In H1 2026 Adyen joined the Open Standard consortium behind the OpenUSD stablecoin and the x402 Foundation, but it offers merchants no stablecoin settlement, accounts or payouts yet. · source

1.0Crypto wallet and custody for a business

Adyen's business accounts hold fiat only, and Adyen has no crypto custody or MiCA CASP authorisation for clients, checked September 2026. · source

1.0Accept crypto payments

Adyen's help centre says it does not support bitcoin as a payment method and has no plans to, and no live stablecoin payment method appears in its official H1 2026 results, checked September 2026. · source

1.0Bitcoin

Adyen offers no bitcoin buying, holding or acceptance and states it has no plans to support bitcoin payments, checked September 2026. · source

1.0Ethereum

Adyen offers no ether buying, holding or acceptance for business clients, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.