Adyen review

Adyen is built for merchants that sell at scale across borders. Its pricing page explains the model plainly: every transaction carries a fixed processing fee of $0.13 plus a fee set by the payment method, and there are no setup or monthly fees. Card payments use Interchange++, so you see the interchange and scheme costs passed through rather than a blended rate, which usually suits high-volume businesses with a mix of card types. The payment method explorer lists local options by country, from card schemes and wallets to installment and buy now, pay later methods such as Affirm. Adyen also offers flexible payouts, letting you pick when and in which currency you settle. The platform covers online, in-app and point of sale payments in one contract. For a small store it is overkill: onboarding runs through sales, and the $0.13 fixed fee plus percentage adds up on small baskets.

Who it is for

Enterprise and fast-growing brands selling in many countries that want interchange++ pricing and local payment methods.

Price

No setup or monthly fees; $0.13 processing fee per transaction plus a payment method fee, cards on Interchange++.

Visa $0.13 + 0.80% + Interchange++
Quoted from the vendor pricing page on November 6, 2026.

Key features

• Interchange++ card pricing that shows network and issuer costs
• Local payment methods across Europe, Asia, Latin America and North America
• Online, in-app and in-person payments on one platform
• Flexible payouts in your chosen settlement currency and timing
• Buy now, pay later methods such as Affirm and installments

Strengths and weaknesses

• Strength: No setup or monthly fees
• Strength: Transparent Interchange++ pricing on cards
• Strength: Wide coverage of local payment methods
• Weakness: Built for larger merchants, not small shops
• Weakness: Fixed $0.13 fee applies on top of every method
• Weakness: Getting started goes through the sales team

Key facts

• Processing fee: $0.13 per transaction
• Card pricing: Interchange++ plus a percentage
• Setup fee: None
• Monthly fee: None
• Payouts: You choose timing and settlement currency

Where it ranks

Adyen is No. 6 in our Best Payment Gateways verdict.