What is Adyen?
Adyen is a payments and financial technology platform aimed at enterprises. The company was founded in 2006 in Amsterdam, the Netherlands, and says it built its platform entirely in-house, from the ground up. Its homepage describes one platform for payments, data insights and financial products, backed by US, UK and EU banking licenses.
Adyen documents online checkout for cards, wallets, and local methods, plus in-person payments using its Terminal API and terminals. Its payout services support different platform and merchant models. A full online integration includes a payment server, client, and webhooks for payment status. For platforms and marketplaces, the company also offers embedded payments, accounts, card issuing and capital through a single integration.
The homepage pitches one API that supports multiple use cases and channels, and a platform where businesses accept, settle, and move funds with optimized payments and automated payouts. Adyen is a commercial hosted service, not software you install. It states that its built-in optimizations aim to improve conversion, reduce fraud and lower payment costs. Fees depend on the payment method and are set per transaction, so smaller teams should confirm eligibility with Adyen first.
Key capabilities
- Online payments One API that supports multiple use cases and channels.
- In-person payments Point of sale and the Terminal API.
- Payouts Send payouts globally from the same platform.
- Embedded finance Payments, accounts, card issuing and capital through a single integration.
- Risk and conversion tools Optimizations to improve conversion, reduce fraud and lower payment costs.
Where Adyen fits
- Online payments One API supports multiple use cases and channels, with checkout for cards, wallets and local payment methods.
- In-person payments Terminals are integrated through the Terminal API and point of sale tooling.
- Global payouts Drive revenue with optimized payments and automated payouts, accepting, settling and moving funds on one platform.
- Adyen for Platforms Marketplaces and software platforms embed payments, accounts, card issuing and capital with a single integration.
- Card issuing Issuing lets businesses offer cards as part of their own financial products.
- Risk and conversion Built-in optimizations aim to improve conversion, reduce fraud and lower payment costs.
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