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
NetSuite
Microsoft 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.
Features & capabilities
Payment Acceptance
Card, local-method and wallet acceptance across channels.
- 200+ local payment methods (iDEAL, Klarna, Alipay, WeChat Pay, SEPA Direct Debit, Trustly and others)
- 150+ currencies supported
- Global card acquiring under Adyen own banking licences (US, UK, EU)
- Pay by Link for sending secure, no-code payment pages
- Card Component / Drop-in for reduced-PCI-scope checkout embedding
- Digital wallets (Apple Pay, Google Pay, Samsung Pay)
Risk & Authentication
Built-in fraud screening and strong customer authentication.
- Revenue Protect fraud detection engine
- Dynamic 3D Secure 2 authentication
- AVS (address verification) fraud checks
- Network tokenization (Visa Network Tokens) for card-on-file transactions
In-Person / Unified Commerce
Point-of-sale hardware and omnichannel order flows.
- Mobile point-of-sale (mPOS) terminals
- Cloud and local POS terminal APIs
- Order online, pick up or return in-store (endless-aisle) flows
- Unified shopper recognition and loyalty across channels
- Gift card acceptance (Givex, SVS) at POS
Money Movement & Reporting
Settlement, payouts and reconciliation.
- Global payouts to marketplace sellers and platform users
- Settlement Detail Reports for bank reconciliation
- Automated deposit creation matched via PSP reference in ERP integrations
- Centralized reporting across payment methods and channels
Issuing & Embedded Finance
Card issuing and platform/embedded-finance products.
- Card issuing for platforms and businesses
- Embedded accounts and capital products
- Adyen for Platforms marketplace payment and payout infrastructure
- Single API to embed payments, accounts, card issuing and capital (Adyen for Platforms)
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
ERP integrations
Built by Adyen; covers online, in-app and POS payments, tokenization, Pay by Link, Revenue Protect fraud checks, and Settlement Detail Report reconciliation into NetSuite deposits
Dynamics 365 Payment Connector for Adyen, built with partners; covers Dynamics 365 Commerce channels (MPOS, CPOS, e-Commerce, Call Center)
Salesforce Commerce Cloud B2C (SFRA and Composable Storefront) and Salesforce Order Management integrations
Pricing
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.
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.
Evaluating Payment Processing?
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