Adyen Pricing
Pricing model: Interchange-plus. Based on publicly available information from Adyen's official site. Contact Adyen directly for ISV-specific pricing.
Fee Breakdown
| Fee Type | Details |
|---|---|
| Processing | Interchange + scheme fees + $0.12 per transaction |
| Markup | $0.12 fixed processing fee per transaction |
| Setup | No setup fee |
| Monthly | No monthly minimum; account management fees apply at enterprise tier |
Hidden Costs to Watch
- ⚠ Scheme fees vary by card network and region, making total cost harder to predict
- ⚠ Chargebacks cost $14 each regardless of outcome
- ⚠ Currency conversion markup of 1.1% on cross-border transactions
- ⚠ PCI compliance validation costs are the merchant's responsibility
Alternatives
Adyen Pricing for ISVs: What You Actually Pay
Understanding Adyen’s pricing requires looking beyond the headline rate. For ISVs integrating payments into their software, the total cost includes processing fees, platform charges, and the revenue share model — and the math changes significantly depending on your transaction volume and merchant profile.
How Adyen’s Interchange-plus Pricing Works
Adyen uses a interchange-plus pricing approach. For ISVs, the key question isn’t just what your merchants pay per transaction — it’s how much of that payment revenue flows back to your platform. The gap between the merchant-facing rate and your cost basis is your embedded payment margin.
ISVs should negotiate pricing based on aggregate platform volume, not individual merchant volume. Most providers, including Adyen, offer better rates when you can commit to higher total processing volume across all your merchants.
Hidden Costs ISVs Should Watch For
Beyond the published processing rate, ISVs integrating Adyen should budget for:
- Chargeback fees: Charged per dispute regardless of outcome, these add up for ISVs in higher-risk verticals
- Currency conversion: Cross-border transactions typically carry an additional markup
- PCI compliance: Depending on your integration method, compliance validation costs vary
- Integration and maintenance: Developer time for initial integration and ongoing API updates
Comparing Adyen Pricing to Alternatives
When evaluating Adyen’s pricing against competitors, compare the total cost of ownership — not just the per-transaction rate. Factor in setup time, integration complexity, ongoing maintenance, and most importantly, the payment revenue your ISV can earn through each platform’s revenue sharing model.
The cheapest processor isn’t always the best choice for ISVs. A platform that costs slightly more per transaction but offers better revenue sharing, faster merchant onboarding, or lower integration complexity often delivers higher net payment revenue.