How does Adyen make money?

For each transaction, Adyen charges a fixed fee (around $0.13) plus a percentage of the transaction amount, which varies by payment method and location. This is their main revenue. Separate pricing for financial products: Adyen offers add-on services like card issuing and capital products that are priced separately from payment processing.

Is Adyen a public company?

We found no SEC annual report for Adyen, so it appears to be a private company.

What does Adyen do? How it makes money, with receipts

Q: What does Adyen do?

They're basically the infrastructure that lets big businesses accept payments worldwide. Adyen is a payment processor—think of it like a middleman that handles money when customers buy things online or in stores. Big companies like Meta and Adobe use Adyen to accept credit cards, digital wallets, and local payment methods all over the world. Instead of dealing with a dozen different payment systems, businesses plug into Adyen once and reach customers in 150+ currencies and 200+ local payment methods. They also help businesses offer their own financial products, like card issuing or buy-now-pay-later options.

In one line

“They’re basically the infrastructure that lets big businesses accept payments worldwide.”

Adyen is a payment processor—think of it like a middleman that handles money when customers buy things online or in stores. Big companies like Meta and Adobe use Adyen to accept credit cards, digital wallets, and local payment methods all over the world. Instead of dealing with a dozen different payment systems, businesses plug into Adyen once and reach customers in 150+ currencies and 200+ local payment methods. They also help businesses offer their own financial products, like card issuing or buy-now-pay-later options.

How they make money

Main wayPer-transaction fees on payments

For each transaction, Adyen charges a fixed fee (around $0.13) plus a percentage of the transaction amount, which varies by payment method and location. This is their main revenue.

Stated

Also makes money from

Separate pricing for financial productsAdyen offers add-on services like card issuing and capital products that are priced separately from payment processing.Stated

What it looks like

If your company signed up today:

Integrate Adyen's API once
You add one API (a technical connection) to your app or website. It's designed to work for payments, sending money to vendors, and issuing cards—multiple use cases in one go.
Stated
Accept any payment method globally
Your customers can now pay with credit cards, digital wallets, local payment methods, and buy-now-pay-later options across 150+ currencies, all handled by Adyen in the background.
Stated
Get paid with built-in tools
Adyen handles settlement (getting your money), fraud detection, and optimization to improve conversion rates. You can also offer financial products under your own brand if you want.
Stated

Screenshot of pricing page — Pricing page open

The fluff, decoded

4/10

They say

“Run payments, manage your data, and offer financial products in one platform.”

It means

They handle payments, provide transaction data, and let businesses offer financial services.

They say

“Control every aspect of your money.”

It means

Customers can manage all their money movements in one place.

Every quote is checked against their homepage. If it isn't really there, it gets dropped.

Follow the incentives

Best guess

Who pays

Big businesses like Meta, Adobe, and Prada pay Adyen transaction fees each time a customer makes a payment through them.

Who uses it

Any business that uses Adyen's services—from online retailers to restaurants to beauty platforms—uses the software to accept payments.

So they want

They want to process as many transactions as possible and convince businesses to use their add-on financial products to increase revenue per customer.

Competes withStripeSquarePayPalWorldpay

Say it at dinner

“Adyen is basically the plumbing that moves money when you buy anything online or in a store.”

Adyen's market

Market maps · early access

Market map previewEvery company that competes with Adyen for the same buyers2 companies found so far

Stripethe toll booth that lets websites and apps safely take your moneyStated
Another companyWhat they sell, in a few wordsVerified
One more companySomething the same buyers pay forStated

Follow the money

A customer pays AdyenFor what, how much, and the filing that says soVerified
Adyen pays a supplierFor what, how much, and the filing that says soVerified

Early access

Get Adyen's full market map first.

Every company competing for the same buyers
Who pays each one, and how they charge
The money between them, straight from filings
A source on every row. No review sites, no guesses

Open the preview →

Receipts

Updated September 29, 2026

4 sources1 Verified2 Stated1 Background

What the labels mean

Verified: From a government filing or official registry, like an SEC report or USAspending.gov
Stated: The company says it on its own website, including the customer logos it shows
Best guess: Our reading of the sources when nothing says it outright
Background: From Wikipedia, for history only, never numbers

Checked against the sources above. It can still be wrong, and it isn't financial advice. Terms

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