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Adyen

by Adyen N.V. · Payment Processing

Global payments platform combining acquiring, processing, risk and issuing on one API.

Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral.

Works with
NetSuiteMicrosoft Dynamics 365 Business CentralSalesforce
Deployment
Cloud
Company size
Mid-market, Enterprise
Pricing
Per-transaction (interchange++ / blended)
Founded
2006
Headquarters
Amsterdam, Netherlands

Overview

Adyen is a Dutch financial technology company that provides a single platform for accepting and processing payments across online, mobile and in-person (point-of-sale) channels. Founded in 2006 and listed on Euronext Amsterdam since its 2018 IPO, Adyen holds banking licences in the US, UK and EU, letting it act as both a payment gateway and the acquiring bank on a single technical connection rather than stitching together a gateway, processor and acquirer from separate vendors.

The platform supports 200+ local payment methods and 150+ currencies through one API, and bundles risk management (Revenue Protect fraud screening, dynamic 3D Secure 2), tokenization, and reporting with the core processing engine. For merchants running ERP or commerce back offices, Adyen publishes its own bundle for Oracle NetSuite (payments, tokenization, Pay by Link and settlement reconciliation) and, with partners, a Dynamics 365 Commerce payment connector and a Salesforce Commerce Cloud / Order Management integration.

Adyen targets mid-market and large enterprise merchants with omnichannel or multi-market operations -- retailers, hospitality and F&B chains, marketplaces/platforms, and digital/subscription businesses -- rather than very small merchants, and prices per transaction with no published monthly, setup or integration fees.

Modules & capabilities

Adyen covers 26 of 50 capabilities we track in this category

52%
  • Credit & debit card processingGlobal card acquiring under Adyen's own banking licences (US/UK/EU)
    Core strength
  • ACH / bank transfer processingSEPA Direct Debit among 200+ local methods
    Supported
  • Digital wallet acceptanceApple Pay, Google Pay, Samsung Pay
    Core strength
  • Local & alternative payment methods200+ local payment methods (iDEAL, Klarna, Alipay, WeChat Pay, etc.)
    Core strength
  • Virtual terminal
    Not evidenced
  • Payment links & hosted pagesPay by Link
    Supported
  • In-person POS hardwaremPOS terminals, cloud and local POS terminal APIs
    Core strength
  • IVR / phone payment acceptance
    Not evidenced
  • Ecommerce storefront plugins
    Not evidenced

“Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.

Common use cases

  • Consolidating a merchant gateway, processor and acquirer relationships onto one Adyen contract and API
  • Accepting local payment methods (iDEAL, Klarna, Alipay) when expanding an ERP-run e-commerce storefront into new markets
  • Syncing NetSuite order and cash records automatically via Adyen settlement reconciliation bundle
  • Running unified in-store and online checkout for a retail or hospitality chain on Dynamics 365 Commerce
  • Reducing PCI DSS scope by embedding Adyen Card Component instead of handling raw card data
  • Powering payouts and card issuing for a marketplace or SaaS platform connected sellers
  • Screening transactions for fraud with Revenue Protect without a separate fraud vendor

Strengths & considerations

Strengths

  • Operates as both payment gateway and the acquiring bank on one platform, under its own US, UK and EU banking licences, rather than reselling a third-party acquirer
  • Publishes a first-party bundle for Oracle NetSuite covering payments, tokenization, Pay by Link and bank reconciliation
  • Single API spans online, in-app and in-person (POS) payments plus payouts and card issuing

Adyen customer case studies

How companies use Adyen alongside their ERP — pulled from Adyen N.V.'s published customer stories, with the ERP each customer runs where they state it.

On

Retail · Switzerland · Mid-Market

Premium execution across multiple markets with varying local preferences and regulations; complex risk management

Conversion Uplift
0.85%
Conversion Uplift
Fraud Rate Decrease
0.17%
Fraud Rate Decrease
Additional Transactions
71,000
Additional Transactions

Bonobos

Retail · USA · Mid-Market

Need for a payments platform that works seamlessly both in-store and online

  • Seamless unified payments across channels
  • Better customer experience through omnichannel integration
  • Ability to leverage customer profiles across devices

These customers also appear in ERP implementation stories

The same companies show up in our library of ERP implementation case studies — useful for seeing what the wider stack around this add-on looks like.

  • Northern Tool · Dynamics 365 Supply Chain Management, Dynamics 365 Commerce
  • Hobbii · Odoo

Summarised from each vendor's published customer stories. Figures are the vendor's own claims, not independently verified by ERP Research. Browse add-on case studies

Used Adyen with your ERP? Rate it in 30 seconds — it helps every buyer after you.

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ERP integrations

NetSuiteAdyen Payments Bundle for NetSuite
Certified marketplace app
Bi-directionalPaymentsRefundsTokenized cardsSettlement deposits

Adyen-built SuiteApp with Built for NetSuite status; covers online, in-app and POS payments, tokenization, Pay by Link, Revenue Protect fraud checks and Settlement Detail Report reconciliation into NetSuite deposits.

Microsoft Dynamics 365Adyen Payment Connector for D365 Commerce
Certified marketplace app
Bi-directionalOrdersPaymentsRefunds

Published by Adyen N.V. on Microsoft AppSource; built on the standard Dynamics 365 Commerce payments SDK, covering MPOS, CPOS, e-commerce and Call Center channels.

Connector details independently verified against vendor marketplaces and documentation; last checked 2026-08-20.

Pricing

Full Adyen pricing breakdown — cost at 25/100/500 seats, competitor rates & FAQs

Model
Per-transaction (interchange++ / blended)
Starting price
$0.13 fixed processing fee per transaction, plus a payment-method-specific fee (e.g. Mastercard/Visa: interchange + 0.60%)
Free trial
No

No setup, monthly or account-closure fees published. Variable fee depends on payment method, region and card type (e.g. SEPA Direct Debit EUR0.27, iDEAL EUR0.22, Alipay/WeChat Pay 3%); Adyen states published rates are indicative and invites custom quotes for volume merchants. Get an independent shortlist with pricing guidance below.

What does Adyen cost?

Adyen prices by quote, like most of this category. Here is what actually drives your number — and what to ask before you get one.

  • Transaction volumethe number of payments, invoices or orders you push through it each month (9 of 15 vendors here).

By submitting, you agree that ERP Research may share your details with matched ERP implementation partners, who may contact you about your enquiry. Privacy policy

6 of the 15 vendors we track in this category publish no list price at all.

Technical & security

Hosting
SaaS (multi-tenant)
Mobile app
Yes

About the vendor

Founded
2006
Headquarters
Amsterdam, Netherlands
Employees
~4,345
Ownership
Public (Euronext Amsterdam: ADYEN)

Alternatives to Adyen in Payment Processing

Adyen — frequently asked questions

Does Adyen integrate with NetSuite?

Yes. Adyen publishes its own NetSuite bundle covering online, in-app and point-of-sale payments, card tokenization, Pay by Link, Revenue Protect fraud screening, and automated bank reconciliation via Settlement Detail Reports matched to NetSuite deposits.

Does Adyen work with Microsoft Dynamics 365?

Adyen has a partner-built Dynamics 365 Payment Connector covering Dynamics 365 Commerce channels -- Modern POS, Cloud POS, e-Commerce and Call Center -- using Adyen Terminal API for in-person payments and Checkout API for online and call-center payments.

How is Adyen priced?

Adyen charges a fixed $0.13 processing fee plus a variable fee that depends on the payment method, region and card type, with no setup, monthly or closure fees published. It states its published rates are indicative and offers custom pricing for volume merchants.

Is Adyen a payment gateway or an acquiring bank?

Both. Adyen holds banking licences in the US, UK and EU and acts as the acquiring bank as well as the gateway and processor, so a merchant can process payments through a single Adyen contract rather than separate gateway and acquirer relationships.

What company size does Adyen target?

Adyen published integrations, industries (retail, hospitality, marketplaces, digital businesses) and enterprise-oriented pricing and reconciliation tooling target mid-market and large enterprise merchants with omnichannel or multi-market operations rather than very small merchants.

Compare Adyen head-to-head

Free PDF · Vendor-neutral · No sales calls

The Payment Processing Buyer's Guide

Before you commit to Adyen, see how it sits against the 15 payment processing systems we track — on capability, ERP integration depth and what each one actually charges for.

Payment Processing Buyer's Guide

15 systems compared · 2026

ERP Research

  • Adyen compared side-by-side with 14 alternatives
  • ERP integration checklist — what to verify before you shortlist
  • The pricing questions that change the quote
  • A Adyen evaluation brief, included with the guide
Free Download

Payment Processing Buyer's Guide

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