Adyen - the practical guide.

Adyen is a Dutch enterprise payments platform that unifies online, in-store and in-app payments on a single technology stack. It serves global brands including Spotify, Uber, McDonald's, Microsoft and Shopify (for Shop Pay), with strong coverage of local payment methods, native cross-channel reporting, and Adyen-issued acquiring in major markets - which means it owns more of the payment chain than most PSPs.

Large enterprises and high-growth scale-ups with global, omnichannel payments needs. Particularly strong for retailers operating online and physical stores, marketplaces (via MarketPay) and platforms wanting unified data. Not a fit for SMBs - Adyen has minimum monthly billing thresholds.

Interchange++ pricing: pass-through interchange and scheme fees plus a fixed Adyen processing fee (commonly 0.6% + €0.10 to €0.13 per transaction, before card-scheme fees). Minimum monthly invoice is around €1,000 in Europe, so SMBs are typically priced out. Custom enterprise pricing for large volumes.

Right for global, omnichannel merchants and platforms that want one PSP across channels and regions, transparent IC++ pricing and direct acquiring. Wrong fit for small businesses below the minimums, or for shops that want a turnkey hosted checkout without integration work.

Integration is engineering-heavy compared to Stripe; budget for it. IC++ pricing is more transparent but harder to forecast than blended rates. Minimum monthly fees can sting if volumes dip. Customer support is leaner than Stripe's for self-serve users; enterprise account teams are the norm.