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Adyen
Interchange-plus · Est. 2006 · Amsterdam, Netherlands
Enterprise-grade, full-stack payment platform used by Uber, Spotify, and eBay. Offers interchange-plus pricing and unified commerce across channels.
Adyen Processing Rates
In-Person
Interchange + $0.12
Online
Interchange + $0.12
International
Interchange + $0.12 + scheme fees
Currency Conversion
+1.1%
Monthly Fee: None (minimum invoice $120/mo)
Pricing Model: Interchange-plus
Best For
Enterprise, high-volume merchants, omnichannel retail
Pros
- True interchange-plus pricing — cost-effective at scale
- Single platform for online, in-store, and mobile
- 200+ payment methods worldwide
- Real-time data and analytics
- PCI Level 1 certified
Cons
- Minimum monthly invoice makes it impractical for small businesses
- Self-service dashboard can be complex
- Slower onboarding process
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