Adyen for Platforms
Embedded payments software
Payment processing software
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
Take the quiz to check if Adyen for Platforms and its alternatives fit your requirements.
Pay-as-you-go
Free Trial unavailableFree version unavailable
Small
Medium
Large
- Retail and wholesale
- Accommodation and food services
- Transportation and logistics
What is Adyen for Platforms
Adyen for Platforms is an embedded payments offering designed for marketplaces and platform businesses that need to onboard sub-merchants, process payments, and manage payouts. It provides APIs and tooling for account creation, KYC/KYB verification, payment acceptance, split payments, and funds disbursement across regions. The product targets SaaS platforms, on-demand marketplaces, and other multi-party commerce models that want payments integrated into their own user experience. It is delivered as part of Adyen’s broader acquiring and payments infrastructure, with platform-specific capabilities for onboarding and compliance workflows.
Marketplace onboarding and verification
Supports platform-style onboarding flows for sub-merchants, including identity and business verification requirements that commonly apply to payee accounts. Provides account structures and controls to manage multiple sellers or service providers under a single platform. This reduces the need to stitch together separate onboarding and payout systems. It is suited to multi-party payment models where compliance and payee management are core requirements.
Split payments and payouts
Enables payment splitting between platform and sub-merchants and supports payout orchestration to payees. Provides mechanisms to manage balances, transfers, and settlement timing in platform contexts. This helps platforms implement common marketplace scenarios such as commissions, service fees, and partial refunds. The functionality is designed to be embedded via APIs rather than handled manually.
Single provider payment stack
Combines payment processing with platform-specific capabilities (onboarding, compliance workflows, and payouts) under one provider relationship. This can simplify operations compared with using separate vendors for gateway, acquiring, and payee payouts. Centralized reporting and reconciliation across platform and sub-merchant activity can reduce back-office fragmentation. It is particularly relevant for platforms operating across multiple geographies and payment methods.
Implementation complexity for platforms
Platform payment flows require careful design around onboarding, risk controls, and payout logic, which can increase engineering effort. Integrations often involve multiple API domains (payments, accounts, transfers) and ongoing maintenance as requirements evolve. Teams may need dedicated compliance and payments operations resources to manage exceptions and support. This can be heavier than simpler payment processing setups aimed at single merchants.
Less suitable for small merchants
The product is optimized for platforms and marketplaces rather than standalone businesses that only need basic card processing. Organizations without a multi-party model may not benefit from the additional account and payout features. For smaller teams, the operational overhead of verification and payee management can be disproportionate. A simpler payment software setup may fit better when embedded onboarding and payouts are not required.
Commercial and risk constraints
As with most platform payment providers, eligibility, pricing, and supported business models can depend on risk assessment and regional compliance requirements. Some industries or transaction patterns may face additional review, limits, or restrictions. Platforms may need to align their user experience and policies with provider requirements for KYC/KYB and dispute handling. These constraints can affect time-to-launch and ongoing operations.
Plan & Pricing
Pricing model: Pay-as-you-go (per transaction) Free tier/trial: Adyen offers test/sandbox accounts on request for evaluation (see notes). Not presented as a time-limited production "free trial" on the site. Example costs (selected payment methods, region-specific):
- Discover (example): $0.13 + 3.95%.
- Pay by Bank (US, Plaid): $0.13 + 0.60% + $0.40.
- STAR (US debit routing): $0.13 + Interchange+ + 0.60%.
- Many card payment fees shown as: $0.13 + X% [+ fixed cents], varying by region and payment method. Other platform / invoice fees (examples that may appear on monthly invoice):
- Visa Fixed Acquirer Network Fee (FANF) — billed via invoice (US)
- Mastercard Merchant Location Fee (MLF) — billed per merchant location (US)
- Fund Transfer Service (per instruction)
- Payout Service (per instruction)
- KYC Service Fee (per sub-merchant)
- Non-transactional scheme fees and other invoice items (see reports & fees documentation) Discount / pricing options:
- Interchange++ (passes interchange to merchant) or blended rates (Adyen commission). Tiered/volume discounts and negotiated commercial terms are used for larger customers; specific discounts are not published and require commercial engagement. Notes / important:
- Adyen’s public site states “For each transaction, we charge a fixed processing fee + a fee determined by the payment method.” (payment-method pricing catalog). Other Adyen products (Capital, Issuing, Accounts, Platform-level services) are priced separately and frequently require contacting Adyen/sales for commercial terms.
Seller details
Adyen N.V.
Amsterdam, Netherlands
2006
Public
https://www.adyen.com/
https://x.com/Adyen
https://www.linkedin.com/company/adyen/
