Adyen fees & pricing
Adyen N.V. · Interchange-plus · best for large enterprises and global omnichannel merchants
Adyen uses interchange-plus pricing. It does not publish a single blended percentage — the cost depends on your card mix and volume. International / cross-border: Interchange + scheme fees pass through; varies by card and region. Chargeback fee: $10–$25 dispute fee depending on scheme. Monthly fee: $0 base; $120 minimum monthly invoice typical. Adyen uses Interchange++ (interchange + scheme fees + a fixed Adyen markup of $0.13 per transaction plus a small processing fee), NOT a single blended flat rate. The all-in effective rate depends entirely on your card mix; we do not publish a fake flat total. Best value at high volume where interchange-plus beats flat pricing.
Source: Adyen N.V. pricing. Data as of June 2026.
Note: These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
Adyen fee structure
| Pricing model | Interchange-plus |
|---|---|
| Headline rate | Interchange-plus |
| Monthly fee | $0 base; $120 minimum monthly invoice typical |
| International / cross-border | Interchange + scheme fees pass through; varies by card and region |
| Chargeback fee | $10–$25 dispute fee depending on scheme |
| Payout speed | Configurable; daily/weekly settlement |
| Best for | large enterprises and global omnichannel merchants |
Source: Adyen N.V. pricing. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
What you pay per transaction
Adyen prices on interchange-plus, so the per-transaction fee depends on the specific card (interchange), scheme fees and your negotiated terms. Request a full fee schedule and run your real card mix to estimate the effective rate. See how we treat custom pricing.
Cost pros & cons
Where Adyen saves money
- True Interchange++ — cheapest at high volume
- Single global platform, 250+ payment methods
- Acquirer + gateway in one, no markup games
Watch-outs
- $120/mo invoice minimum — not for small merchants
- No simple flat rate to quote
- Enterprise onboarding and integration effort
Frequently asked questions
What are Adyen's payment-processing fees?
Adyen uses interchange-plus pricing, so there is no single blended percentage to quote — the cost depends on your card mix and volume. Adyen uses Interchange++ (interchange + scheme fees + a fixed Adyen markup of $0.13 per transaction plus a small processing fee), NOT a single blended flat rate. The all-in effective rate depends entirely on your card mix; we do not publish a fake flat total. Best value at high volume where interchange-plus beats flat pricing. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
Does Adyen charge a monthly or setup fee?
$0 base; $120 minimum monthly invoice typical. Because pricing is negotiated, ask for the full fee schedule (gateway, statement, PCI and minimums) before signing.
How much does Adyen charge for international cards and chargebacks?
International / cross-border: Interchange + scheme fees pass through; varies by card and region. Chargeback / dispute fee: $10–$25 dispute fee depending on scheme. International cards and disputes can dominate the effective rate for global merchants.
Is Adyen good for my business?
Adyen is best for large enterprises and global omnichannel merchants. True Interchange++ — cheapest at high volume. Watch out: $120/mo invoice minimum — not for small merchants. Model your real volume and ticket size in our calculator before deciding. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
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Source & accuracy
Figures are a dated snapshot from Adyen N.V.'s pricing page (as of June 2026). This processor passes interchange through, so the effective rate varies with your card mix. Payment fees change without notice and vary by region, risk and contract — verify on the vendor's page before signing. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign. See our methodology and disclaimer.
Last updated: 2026-06-29