Adyen Pricing 2026

Pricing varies by plan. Check the official pricing page for current rates.

Check the pricing section above for free tier availability.

Key features include the items listed in the pricing tiers above.

Value depends on your specific needs and use case. Compare features across plans.

Adyen uses an interchange++ pricing model (€0.10-€0.12 per transaction plus actual card network fees), while Stripe uses blended pricing (2.9% + $0.30). For high-volume businesses, Adyen is typically cheaper—one analysis showed Adyen at roughly 1% total vs Stripe's 2.9%+. However, Adyen requires €100 minimum monthly fees and targets merchants processing over $1M annually, making it uneconomical for smaller businesses where Stripe's simplicity and no minimums may be better despite higher per-transaction costs.

Interchange++ means you pay the actual interchange fee (set by card networks, typically 0.2-0.3% in EU, higher internationally), plus scheme fees (Visa/Mastercard charges), plus Adyen's margin (usually 0.6% but negotiable). This is more transparent than blended pricing and usually cheaper for businesses with favorable card mixes, but makes costs harder to predict. You'll pay different rates for each transaction based on card type, international vs domestic, and other factors.

Adyen targets enterprise and high-growth merchants. You'll need at minimum: (1) €100/month minimum processing to justify the base fee, (2) typically $1M+ in annual card volume to qualify, and (3) technical resources to implement their API. Small businesses processing under $1M annually should look at Stripe, Square, or other SMB-focused processors instead.

Adyen charges €0.13 + 3.95% for Amex transactions compared to ~€0.11 + 1% for standard Visa/Mastercard. This is because Amex operates outside the standard four-party card network system and sets its own higher interchange rates. Many merchants choose not to accept Amex due to these costs. If you have significant Amex volume, factor this into your cost analysis as it can materially impact your effective rate.

Technically yes, but practically no for most small businesses. Adyen's €100 monthly minimum fee means you need to process at least €10,000/month just to break even on the base fee (assuming 1% effective rate). Below $1M annual volume, you'll likely get better economics from Stripe, PayPal, or Square. Adyen focuses on enterprise clients and won't provide competitive pricing for low-volume merchants.

Adyen uses an interchange++ pricing model, which means you pay three transparent components: (1) the interchange fee set by the card-issuing bank (typically 0.2% for EU debit cards, 0.3% for credit cards), (2) the scheme fee paid to Visa/Mastercard, and (3) Adyen's processing fee (€0.10-€0.12 per transaction plus up to 0.6% margin). This typically totals around 1% for domestic EU transactions but varies based on card type and region. This model is more transparent than blended pricing where you pay a flat rate like 2.9% + $0.30.

For high-volume businesses, Adyen is typically cheaper than Stripe. Multiple users report Adyen being significantly less expensive at scale - one source mentioned Stripe being "3x cost compared to Adyen." However, Adyen requires minimum transaction volumes (often $1M+ annually or 1,000+ monthly transactions) and charges a minimum monthly fee around €100, making it less suitable for smaller businesses where Stripe's simplicity may be worth the higher per-transaction cost.

American Express transactions are significantly more expensive on Adyen compared to Visa or Mastercard. While domestic EU cards might cost around 1% total with interchange++, Amex can cost up to 3.95% plus the processing fee. Discover and Diners Club cards are also more expensive than standard Visa/Mastercard transactions.

Adyen uses interchange++ (cost-plus) pricing where you see exactly what Adyen charges versus what goes to card networks, typically €0.10-€0.12 + 0.6% + interchange + scheme fees. Stripe uses blended pricing at 2.9% + $0.30 where all costs are bundled into one rate. Adyen's model is more complex but usually cheaper for high-volume merchants, while Stripe's model is simpler to understand and predict but more expensive overall.

Yes. Adyen charges a minimum monthly fee of approximately €100/month. This makes it impractical for businesses processing fewer than ~1,000 transactions per month, as the effective per-transaction rate becomes much higher than the published Standard rate.

Generally no. Adyen is designed for mid-market and enterprise merchants. They have strict KYC requirements, require an established business with a company name and website to onboard, charge a €100/month minimum, and their integration requires significant developer resources. Small businesses are typically better served by Stripe, Square, or PayPal. Adyen becomes cost-competitive at around $1M+ in annual processing volume.

Adyen supports 250+ payment methods and 150+ currencies globally, including all major card networks (Visa, Mastercard, Amex, Discover, Diners Club, UnionPay), local payment methods like iDEAL (Netherlands), SEPA direct debit, Alipay, and many others. This global coverage is a key differentiator for merchants with international customers. A full list is available at adyen.com/pricing/full-list.