Adyen

Adyen is a financial technology platform that enables businesses to manage end-to-end payments, data, and financial operations through a single solution. With features such as local acquiring for global expansion, unified online and in-store payment data, fraud detection powered by machine learning, and tools for issuing physical or virtual payment cards, Adyen supports companies in optimizing conversion, managing risk, and gaining actionable insights for growth.

Founded in	2006
Location	🇳🇱 Netherlands
Founders	Pieter Van Der Does

Features

Plans

No free plan available for this product.

Adey Paid plan

Custom Rate

◈No setup fees, no monthly fees, no integration fees, and no closure fees. You only pay for what you process.

◈Per transaction, you pay: a fixed processing fee (typically $0.12 or €0.11) plus a fee determined by the payment method (for example, Visa/Mastercard at 0.60% + $0.13, American Express at 3.95% + $0.12, ACH Direct Debit at $0.12 + $0.25, etc.).

◈Minimum Invoice: There is a minimum monthly invoice (e.g., $120/month), which may vary by industry or business size. If your transaction fees do not reach this minimum, you will still be charged the minimum amount.

◈Refunds: Refunds incur the same processing fee as the original transaction.

◈Chargebacks: Chargeback fees range from $5 to $100 per dispute.

◈Other Fees: Additional services like fraud protection, account updater, and management services may have extra fees, but most core features are included in the transaction fee.

◈Unified Payment Acceptance: Accept payments online, in-store, and in-app with a single platform.

◈Global Payment Methods: Support for a wide range of local and international payment methods, including cards, wallets, and bank transfers.

◈Advanced Fraud Protection: Built-in machine learning tools to detect and prevent fraud.

◈Comprehensive Reporting: Real-time analytics and detailed reporting for all transactions.

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◈Flexible Payouts: Choose payout schedules and currencies.

◈Open Banking & Subscription Billing: Support for open banking payments and recurring billing.

◈Developer Tools: Robust APIs and SDKs for custom integrations.

◈POS Hardware: In-store payment terminals available (pricing on request).

◈24/7 Support: Emergency support available.

Refund Policy

You can request a refund through Adyen, and after approval, the money is usually returned to your original payment method within up to 40 business days, depending on the payment type.

Ratings

trustpilot(1.4/5)

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g2(3.4/5)

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capterra(4.7/5)

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Ai Opinion

✦

AI Rating(2.5/5)

Based on reviews from various sources, www.adyen.com earns a 2.5/5 stars rating.

What users like: Good culture and work life balance, great opportunities to grow within the company, collaborative team environment, international environment, good pay, free lunches, work life balance, nice office locations, innovative and out-of-the-box thinking.

What users don't like: Rigid structure, little freedom to change or improve, high burnout rate, rude and blunt communication, no salary increases, favoritism in career advancement, mediocre management, result-oriented culture, contradiction to what was told, poor UI and interface, bad reporting and reconciliation, hidden fees, lack of support, slow response time in support, underwriting process inefficiency, account settings changes without consent, difficulty in getting issues resolved.

Conclusion: Adyen offers both positive and negative experiences, with users appreciating its culture and growth opportunities but criticizing its management and operational efficiency.

Sources:

Indeed.com

CardPaymentOptions.com

G2.com

Expert Opinion

✎

Expert Rating(4.0/5)

I recently tested Adyen, a comprehensive payment platform designed for businesses that want to manage online, in-store, and mobile payments all in one place. Here is my expert review: Adyen stands out for its unified commerce approach, letting you connect online and offline payments seamlessly. This is a huge advantage for businesses with both physical and digital sales channels, as you can track all transactions, manage refunds, and analyze customer behavior from a single dashboard. The platform supports a wide range of payment methods—including local cards, PayPal, Alipay, and WeChat Pay—making it especially valuable for international merchants who need to cater to diverse markets. I found the reporting features detailed and useful for monitoring transactions and identifying growth opportunities. The security features are robust, with built-in fraud protection and easy tools to block or whitelist users when needed. Adyen’s interface is generally organized and, once you’re familiar with it, offers full visibility into payments, chargebacks, and customer data. Processing refunds and tracking disputes is straightforward, and the ability to generate receipts and export payment reports is convenient for accounting and support teams. However, Adyen is not without its challenges. The setup and integration process can be complex, especially for businesses without dedicated developer resources. Some users may find the interface unintuitive at first, and certain advanced features—like fraud management—require expertise to use effectively. Customer support is responsive but not always easy to reach, and some users report slow response times for urgent issues. Additionally, the platform’s pricing structure, while transparent, can be expensive for small businesses or those with low transaction volumes. Adyen’s scalability is excellent, and it’s a reliable solution for growing businesses or those operating in multiple countries. The platform’s flexibility in supporting local payment methods and its strong POS hardware options make it a solid choice for omnichannel retailers. Still, smaller businesses or those seeking a simpler, more developer-friendly setup might find alternatives like Stripe easier to work with. Overall, Adyen is a powerful and feature-rich payment platform best suited for midsize to large businesses looking for a global, unified solution. Its advanced capabilities and broad payment support come with a learning curve and higher costs, but the benefits for international expansion and data-driven growth are significant. In summary, Adyen delivers a robust payment experience for businesses ready to invest in a scalable, all-in-one platform, though it may not be the most user-friendly or affordable option for everyone.