Skip to main content
HighRiskPaymentProvider.comPayment provider reviews
Adyen Payments

Company overview

About Adyen

What the company provides

  • Acquirer
  • Processor
  • Gateway
  • Merchant account provider
  • Platform payments
  • Card issuer

Merchant accounts, gateway access, transaction processing and funds handling depend on the selected product.

Adyen combines a payment gateway, risk tooling, processing, acquiring and merchant settlement for online and in-person payments.

Adyen for Platforms adds user onboarding, split payments, balances and payouts, while Adyen Issuing supports physical and virtual card programs. Product access depends on the customer model, country, regulated activity, underwriting and contract.

Founded 2006adyen.comUpdated Jul 30, 2026

Selected product

Adyen Payments

Merchant account & underwriting

  1. Merchant account

    Included: Adyen

  2. Merchant account approval

    Approval terms not specified

    Adyen Payments does not identify the legal entity responsible for merchant-account approval.

Primary legal entity

Jurisdiction
Netherlands
Registration number
34259528
Company type
Public limited company

Legal entities by jurisdiction

One legal entity registered in NetherlandsOne jurisdiction

The legal entity supplying a product can differ by product and country.

Product portfolio

Adyen products

Compare merchant acquiring and card processing, platform payments, and card issuing by account setup, approval, payment or data flow, and contract terms.

Adyen Payments

Role in this product

  • Payment gateway
  • Risk management
  • Payment processor
  • Acquirer
  • Merchant settlement

A full-stack payments configuration covering gateway, risk, processing, acquiring and merchant settlement.

Adyen uses partner acquirers outside its direct-acquiring footprint.

Related services
Global acquiringMerchant accountsDirect APIEmbedded checkoutHosted checkoutPayment linksAlternative payment methodsRecurring billingPayment vaultFraud preventionChargeback managementMerchant settlement
Features
AcquiringMerchant accountGatewayCheckoutPricingSettlementOnboardingFraud and riskChargebacksReportingCompliance

Adyen for Platforms

Role in this product

  • Platform payments
  • Platform user verification
  • Payment processor
  • Balance platform
  • Platform user payout

A platform-payments configuration for onboarding and verifying platform users, processing and splitting payments, holding balances, deducting platform costs, and paying users out.

Related services
Platform paymentsMarketplace paymentsSeller onboardingSeller payouts
Features
AcquiringGatewayCheckoutPayoutsPricingSettlementOnboardingFraud and riskChargebacksReportingCompliance

Adyen Issuing

Role in this product

  • Card issuer
  • Balance platform
  • Authorization processing

A card-program configuration for issuing physical and virtual Visa or Mastercard cards from an Adyen balance platform.

Availability is limited to eligible programs in the European Economic Area, the United Kingdom and the United States.

Related services
Card issuing
Features
IssuingOnboardingPricingReportingCompliance

Selected product

Adyen Payments

Related services
12 capabilities
Features
11 capabilities

Merchant account, approval, processing & settlement

Who supplies the merchant account, approves the merchant, processes payments and settles funds.

01 · Role in this product
Payment gateway · Risk management · Payment processor · Acquirer · Merchant settlement
02 · Merchant account
Included: Adyen
03 · Merchant underwriting
Merchant underwriter not specified
04 · Merchant settlement
Custom acquirer to merchant settlement

Selected product: Adyen Payments.

Payment processing

Adyen Payments: processing, approval & settlement

Review the payment services included with this product and which companies approve the account, process payments and send merchant settlement.

Selected product: Adyen Payments

Included in Adyen Payments

Features included with this product.

Solutions
Global acquiringMerchant accountsDirect APIEmbedded checkoutHosted checkoutPayment linksAlternative payment methodsRecurring billingPayment vaultFraud preventionChargeback managementMerchant settlement
Capabilities
AcquiringMerchant accountGatewayCheckoutPayment vaultRecurring billingPricingSettlementOnboardingFraud and riskChargebacksReportingCompliance

Account approval, payment processing & settlement

Who approves the account, processes payments and sends merchant settlement for Adyen Payments; any separate merchant account or acquirer is shown only when identified.

Included

Merchant acquiring

Merchant account, card-network access, sponsor bank and acquirer.

Acquiring responsibilities

Who provides the merchant account, acquires transactions and settles merchant funds for this product.

Role in this product
Acquirer
API-oriented
Yes
Merchant funds
Handles merchant funds at one or more stages
Transaction processing
Yes
Merchant settlement
Yes
Direct acquiring
Yes
Merchant account
Yes
Gateway included
Yes
Onboarding included
Yes
Merchant account model
Adyen account with one or more merchant accounts
Availability
Country, payment method, business model, underwriting, prohibited-and-restricted-products policy and contract dependent.

Merchant account

Merchant account, acquiring and settlement

Capabilities
  • Direct acquiring in published markets
  • Partner acquiring outside direct footprint
  • Payment processing
  • Merchant settlement
  • Online and in person payments
Merchant account
Yes
Questions to confirm

What dedicated MID applies to Adyen Payments?

Dedicated MID is not specified for Adyen Payments.

What domestic or offshore MID applies to Adyen Payments?

Domestic or offshore MID is not specified for Adyen Payments.

Which legal entity is the acquirer or merchant-account provider in the signed agreement?

Adyen Payments may be contracted through different regulated entities or sponsor banks.

Application & approval · Adyen Payments

Can this business use the product, and who approves the merchant account?

Merchant-account approval responsibility is not specified for this product.

Business eligibility

Registered-entity and country eligibility is not specified

Company offices do not establish merchant eligibility.

Approval responsibility

Approval terms not specified

Adyen Payments does not identify the legal entity responsible for merchant-account approval.

Approval arrangement
Approval responsibility
Product
Adyen Payments
Owner & operating location
Owner, director and operating-location requirements are not specified
Regulated-business license
Required license type and issuing jurisdiction are not specified
01Business eligibility & restrictions

Which businesses and activities are accepted?

Product availability depends on the business model, restricted activities and any separate merchant-account approval.

Eligibility requirements

01

Merchant application decision

Adyen may decline a product or service, request additional documents or impose conditions. Local laws, card-scheme rules and payment-method rules can be more restrictive.

Restricted activity

Business restrictions

Product · MCC · jurisdiction · sales practice

Restricted: additional review required

Adult goods (excluding fetish products), Financial service or money service business, including but not limited to: traveler checks, money orders, Foreign Exchange, check cashing, virtual currencies, and cash advances by non-financial institutes, Money transfer and remittance businesses, Casual dating services, Live-streaming Services with in-app donations functionality, Nutraceuticals and food products (highly regulated substances e.g., CBD, kava kava), Airlines, Travel agents and tour operators, Cannabis (only in Canada), Legal gambling or Game of Skill where participants receive cash or cash equivalents or prizes with/of material value: including but not limited to: Casinos, poker, bingo, slot machines, betting, lotteries, racing, fantasy sports, Cryptocurrency exchange, High-risk securities such as: contract for difference (CFD), financial spread betting, initial coin offering (ICO), forex currency options, cryptocurrency options, and trading, and purchases, Security brokers /investments of any kind including the purchase of: securities, currencies, derivatives, commodities, shares, options, precious metals, and other financial instruments, Aggregators, including but not limited to marketplaces, platforms, Staged Digital Wallet Operators, Payment Facilitators or other internet payment or member service providers (IPSP or MPS), Payment service companies, including but not limited to peer-to-peer, bill payments, commissary accounts, and Tobacco, smoking supplies, e-cigarettes, e-liquids, vaping liquid, vaping accessories (online sale)

Prohibited

Fetish products, Content: Books, magazines, audio, videos, websites, streaming services and other content formats deemed offensive or of a sexual nature, Entertainment: Gentleman's clubs, topless bars, strip clubs, sexually oriented massage parlors, saunas, escort agencies or any sexually-related services, Binary options, Payday loans, unsecured loans and loans originating from non FDIC insured banks, Mail order spouse or international match making services, Illegal products or services or any service providing peripheral support of illegal activities, including illegal gambling services, and Any type of US based gambling services

02Application & setup

What information is needed before activation?

Any application documents, identity checks and setup steps stated for this product.

Application & setup

Prepare documents → submit application → merchant-account approval

Missing documents or business details can delay approval and activation.

Application documents

Documents to prepare

The complete application document checklist is not specified

Merchant application & underwriting

  1. 01

    Contact sales

  2. 02

    Choose products and account setup

  3. 03

    Confirm business and country fit

  4. 04

    Create test account

  5. 05

    Build and test

  6. 06

    Apply for live account

  7. 07

    Complete verification and underwriting

  8. 08

    Configure production account

Application checks

Merchant-account checks

Application and activation requirements.

Website requirements

Required website pages, disclosures and policies are not specified

Merchant-underwriting checks

  • Applicable laws and regulations
  • Payment partner and card scheme rules
  • Fraud and chargeback risk
  • Reputational risk
  • Product and platform compatibility

Merchant onboarding tasks

The onboarding tasks performed by the provider are not specified

Before applying

Application requirements to confirm

Eligibility, documents, checks, restrictions and activation timing are not fully specified.

Approval & restrictions

Who reviews the business and which products, jurisdictions or MCCs are excluded.

  1. 01

    Which legal entity makes each approval decision, and which decisions belong to an external provider?

    The merchant underwriter for Adyen Payments is not specified.

Vertical acceptance

Which high-risk verticals this provider answers for

Every row is a statement the provider publishes about a business type. Hover or focus a decision to read the original wording. A vertical with no row here is one the provider does not address.

Applies only to

Adyen for Platforms

Vertical acceptance for Adyen for Platforms
VerticalProvider’s position
AdultProhibitedIn the provider’s wordsContent: Books, magazines, audio, videos, websites, streaming services and other content formats deemed offensive or of a sexual nature
Binary optionsProhibited
CBDProhibitedIn the provider’s wordsNutraceuticals and food products (highly regulated substances e.g., CBD, kava kava)
CryptoProhibitedIn the provider’s wordsCryptocurrency exchange
DatingProhibitedIn the provider’s wordsCasual dating services
Fantasy sportsProhibitedIn the provider’s wordsLegal gambling or Game of Skill where participants receive cash or cash equivalents or prizes with/of material value: including but not limited to: Casinos, poker, bingo, slot machines, betting, lotteries, racing, fantasy sports
Financial servicesProhibitedIn the provider’s wordsFinancial service or money service business, including but not limited to: traveler checks, money orders, Foreign Exchange, check cashing, virtual currencies, and cash advances by non-financial institutes
Forex CFDProhibitedIn the provider’s wordsHigh-risk securities such as: contract for difference (CFD), financial spread betting, initial coin offering (ICO), forex currency options, cryptocurrency options, and trading, and purchases
iGamingProhibitedIn the provider’s wordsAny type of US based gambling services
NutraceuticalsProhibitedIn the provider’s wordsNutraceuticals and food products (highly regulated substances e.g., CBD, kava kava)
Precious metalsProhibitedIn the provider’s wordsSecurity brokers /investments of any kind including the purchase of: securities, currencies, derivatives, commodities, shares, options, precious metals, and other financial instruments
Securities brokerageProhibitedIn the provider’s wordsSecurity brokers /investments of any kind including the purchase of: securities, currencies, derivatives, commodities, shares, options, precious metals, and other financial instruments
Streaming mediaProhibitedIn the provider’s wordsLive-streaming Services with in-app donations functionality
Tobacco and vapeProhibitedIn the provider’s wordsTobacco, smoking supplies, e-cigarettes, e-liquids, vaping liquid, vaping accessories (online sale)
TravelProhibitedIn the provider’s wordsAirlines

Applies only to

Adyen Payments

Vertical acceptance for Adyen Payments
VerticalProvider’s position
AdultProhibitedIn the provider’s wordsContent: Books, magazines, audio, videos, websites, streaming services and other content formats deemed offensive or of a sexual nature
Binary optionsProhibited
CBDConditions applyIn the provider’s wordsNutraceuticals and food products (highly regulated substances e.g., CBD, kava kava)
CryptoConditions applyIn the provider’s wordsCryptocurrency exchange
DatingConditions applyIn the provider’s wordsCasual dating services
Fantasy sportsConditions applyIn the provider’s wordsLegal gambling or Game of Skill where participants receive cash or cash equivalents or prizes with/of material value: including but not limited to: Casinos, poker, bingo, slot machines, betting, lotteries, racing, fantasy sports
Financial servicesConditions applyIn the provider’s wordsFinancial service or money service business, including but not limited to: traveler checks, money orders, Foreign Exchange, check cashing, virtual currencies, and cash advances by non-financial institutes
Forex CFDConditions applyIn the provider’s wordsHigh-risk securities such as: contract for difference (CFD), financial spread betting, initial coin offering (ICO), forex currency options, cryptocurrency options, and trading, and purchases
iGamingProhibitedIn the provider’s wordsAny type of US based gambling services
NutraceuticalsConditions applyIn the provider’s wordsNutraceuticals and food products (highly regulated substances e.g., CBD, kava kava)
Precious metalsConditions applyIn the provider’s wordsSecurity brokers /investments of any kind including the purchase of: securities, currencies, derivatives, commodities, shares, options, precious metals, and other financial instruments
Securities brokerageConditions applyIn the provider’s wordsSecurity brokers /investments of any kind including the purchase of: securities, currencies, derivatives, commodities, shares, options, precious metals, and other financial instruments
Streaming mediaConditions applyIn the provider’s wordsLive-streaming Services with in-app donations functionality
Tobacco and vapeConditions applyIn the provider’s wordsTobacco, smoking supplies, e-cigarettes, e-liquids, vaping liquid, vaping accessories (online sale)
TravelConditions applyIn the provider’s wordsTravel agents and tour operators
Payment methods & countries · Adyen Payments

Where can this merchant accept payments, and which methods are available?

Acquiring is included with this product; each payment method still depends on the merchant configuration.

Selected product

Adyen Payments

Availability depends on the product and merchant

Selected product

Applying merchant

Registered-entity and country eligibility is not specified

The business registration country, acquiring countries and customer countries are separate requirements.

Payment types

  • Cards
  • Bank transfer
  • Bank debit
  • Open banking
  • Real-time bank payments
  • Wallets
  • Local payment methods

Availability depends on

  • Selected product
  • Merchant country
  • Payer country
  • Currency
  • Sales channel
  • Merchant account configuration
  • Underwriting
  • Payment method rules

Acquiring is included with Adyen Payments. Payment-method availability depends on the legal entity, country, currency, industry, MCC and transaction type in the merchant agreement.

01Payment-method availability

Card acceptance

Payment-method availability depends on the selected product, legal entity, merchant country, customer country, currency, merchant category and account configuration.

Card acceptance

Card types

  • Credit card
  • Debit card

Card brands

Card brands included with this product are not specified

Bank payment rails

Bank methods

Bank methods by customer country are not specified

Bank-transfer rails

Bank-transfer rails by currency are not specified

Digital wallets

Wallets

Wallet availability by country and currency is not specified

Card payouts

Card payout rails

Card-payout availability is not specified for this product

02Countries & availability

Where can the merchant be registered, where is acquiring available, and where can customers pay?

Merchant location, acquiring countries, customer location and product availability can differ.

Country coverage

Merchant, acquiring, customer and product countries

  1. 01

    Business registration country

    Where must the business be registered to apply?

    Registered-entity and country eligibility is not specified

    This is where the business is registered; it does not determine acquiring-country or customer-country availability.

    Merchant underwriting
  2. 02

    Acquiring countries

    Where is merchant acquiring available?

    13 countries · Europe

    Europe is published as an acquiring region; the source does not specify a country-by-country list. The acquiring entity for each market is not specified.

    Show all 13 countries
    • AUAustralia
    • BRBrazil
    • CACanada
    • HKHong Kong
    • INIndia
    • JPJapan
    • MYMalaysia
    • MXMexico
    • NZNew Zealand
    • PRPuerto Rico
    • SGSingapore
    • AEUnited Arab Emirates
    • USUnited States
    Selected product
  3. 03

    Customer location

    Where can customers pay from?

    Customer countries are not specified

    Customer countries by payment method and currency are not specified for this product.

    Across all products

Countries and payment methods

Countries and payment methods to confirm

  1. Which payment methods are available for my legal entity, customer countries, currencies, industry, MCC and transaction types?

    The payment methods included for the selected product, legal entity and merchant configuration are not specified.

  2. Which customer countries are available for each payment method in the agreement?

    Customer countries are not specified for each payment method.

  3. Which countries are available for each product and payment method?

    Country availability by product and payment method is not specified.

  4. Which country launches are planned, and on what timeline?

    Planned country launches and dates are not specified.

  5. Which legal entity provides acquiring, and which entity settles funds in each target market?

    Additional acquiring countries and the acquiring entity for each market are not specified.

  6. Which alternative payment methods are available for this product?

    Alternative payment methods are not specified for this product.

  7. Which presentment and settlement currencies are available for this product?

    Presentment and settlement currencies are not specified for this product.

Pricing & funds · Adyen Payments

What does this product cost, and when are funds settled?

Fees and reserves are governed by the merchant-account agreement

Pricing

Public rates are available for all pricing plans

The processing rate is not specified.

Pricing method

Public baseline plus negotiated terms

01Commercial terms

What makes up the quoted price?

Review the pricing plan, pricing model, fees and contract duration.

  1. 01 · Pricing plan

    • Published payment-method pricing
  2. 02 · Pricing model

    • Interchange plus
    • Fixed only
    • Percentage plus fixed
    • Custom

Fee structure

Fees that may appear in the agreement for this product

  1. 01
    Possible fees
    May apply
    • Fixed processing fee
    • Payment method fee
    • Interchange
    • Scheme fees
    • Separate fees for non payment products

    Amounts and applicability vary by merchant agreement.

  2. 02
    Explicitly waived
    • monthly fee
    • setup fee

Fees requiring a quote

Amounts and waivers are not specified

application fee
annual fee
gateway fee
PCI fee
batch fee
early-termination fee
monthly minimum
02Reserve holder

Which entity can establish or hold a reserve?

The reserve holder, amount and release conditions are not specified.

Reserve holder

The entity holding the reserve is not specified

Reserve holder

Reserve terms are not specified for this product

Reserve terms from another product or provider do not apply to this product.

03Merchant settlement

When are sale proceeds settled, and who sends them to the merchant?

Settlement makes processed sale proceeds available to the merchant.

Merchant settlement

Sale proceeds and settlement responsibility

Settlement schedule

  • Merchant settlement: Set in agreement

Settlement methods

  • Methods: Bank account

Pricing & settlement terms

Terms to confirm in the agreement

Price

  1. What is the effective processing price for Adyen Payments, including the percentage rate, per-transaction fee, interchange and card-network fees, and currency-conversion markup?

    Standard processing rate is not specified for the selected product.

  2. Which of these apply, at what amount and on what trigger: application fee, annual fee, gateway fee, PCI fee, batch fee, early-termination fee, and monthly minimum?

    Amounts and waivers are not specified for these fees.

  3. What are the initial term, renewal term, cancellation notice period and early-termination charge for this product?

    The initial term, renewal and cancellation terms are not specified for this product.

  4. For Merchant settlement, what is the contractual settlement delay, cutoff timezone and treatment of weekends or holidays?

    The settlement frequency or delay, cutoff timezone, and treatment of weekends or holidays are not fully specified.

  5. Is there a minimum settlement amount, carry-forward rule or fee below threshold for Merchant settlement?

    A settlement minimum or carry-forward rule is not specified.

Reserve & held funds

  1. Can Adyen Payments require a rolling reserve, security deposit or post-termination hold, and what are the percentage, cap, duration and release trigger?

    The reserve percentage, cap, hold period or release terms are not fully specified for this product.

Checkout flow · Adyen Payments

How do checkout, tokenization, provider connections and implementation work?

Checkout, payment processing, merchant settlement and reporting for this acquiring product

Checkout flow

Collect payment details → tokenize → submit → events & diagnostics

The checkout integration determines who controls the payment form, how payment details are tokenized, which providers receive the payment request, and which SDKs and webhooks are available.

Selected product

Adyen Payments

Checkout integrations, tokenization, provider connections, SDKs and webhooks.

  1. Checkout routes

    4 company checkout options

    Varies by product
  2. Gateway integration, security and transaction tools

    Payment lifecycle API · Authorization capture cancellation and refund

  3. Payment processing and funds handling

    Adyen is the acquirer · Processes transactions

  4. Reporting & reconciliation

    Included with this product

01

Checkout routes

Which hosted, embedded or API checkout options are available?

The actual integration surfaces, UI ownership and deployment choices.

Checkout routes

Varies by product
  1. 01

    Drop-in

    Prebuilt checkout

    • Web
    • iOS
    • Android
    • React Native
    • Flutter
    • Cards
    • Wallets
    • Local payment methods
    • 3-D Secure
  2. 02

    Components

    Embedded checkout components

    • Web
    • iOS
    • Android
    • React Native
    • Flutter
    • Merchant controlled layout
    • Cards
    • Wallets
    • Local payment methods
    • 3-D Secure
  3. 03

    API-only integration

    Server-side API

    • Web
    • Mobile
    • Merchant built checkout
    • Cards
    • Supported local payment methods
  4. 04

    Pay by Link

    Hosted payment link

    • Hosted web page
    • One time payment link
    • Reusable payment link

Adyen offers these checkout options, but does not specify which one is included with Adyen Payments.

Checkout integration

Not specified

No checkout integration is specified for this product for Adyen Payments

02

Gateway integration, security and transaction tools

Which payment providers can checkout connect to?

API entry points, testing, events, tokens and authentication.

Selected setup

Connections entry point

How requests enter this product and which integration boundary applies.

Integration options

  • Web drop in
  • Web components
  • Mobile drop in
  • Mobile components
  • API-only
  • Payment links
  • In-person

Gateway integration, security and transaction tools

Connected payment-provider types

Connections
01

Transaction and security features

  • Payment lifecycle API
  • Authorization capture cancellation and refund
  • Webhooks
  • Tokenization
  • 3-D Secure
  • Customer area
02

Test environment

Sandbox available

03

Webhooks

Webhooks are available; supported events are not specified

04

Tokenization

  • Stored payment method token
  • Network token
05

3-D Secure

Supported

06

Merchant control panel

Yes

Connected acquirer / processor

Payment providers that can receive transactions from the gateway.

Connected acquirer and processor types

Assigned outside this product
  • Acquirer

A connected acquirer or processor may have separate pricing, contract and underwriting requirements.

Recurring operations

Recurring operations

Subscription creation, stored credentials, retries and who controls the schedule.

Recurring-payment features
  • Stored payment method tokens
  • Merchant initiated subsequent payments
  • Network tokenization
  • 3-D Secure for the initial payment
Billing types
  • Card on file
  • Subscription
  • Unscheduled card on file
Recurring feature availability
  • Payment method support
  • Merchant account configuration
  • Shopper consent
  • Regional authentication rules
03

Payment processing and funds handling

Who collects and tokenizes payment details, authorizes payments and handles funds?

Who performs merchant underwriting, payment processing, settlement and merchant support.

Payment processing and funds handling

  • Adyen is the acquirer
  • Processes transactions
  • Settles merchant funds
  • Provides the merchant account
  • Provides direct acquiring
04

Reporting & reconciliation

Which SDKs, events and implementation diagnostics are available?

What operations teams can reconcile, how quickly data arrives and where exceptions are handled.

Reporting & reconciliation

Checkout integration → tokenization → payment submission → webhooks & error reporting

Client SDKs, environments, webhook events, request logs and operational diagnostics.

  1. 01

    Reporting & reconciliation

    What operations teams can reconcile, how quickly data arrives and where exceptions are handled.

    Consolidated reporting

    Included with this product

Before integration

Integration details not specified

  1. 01

    Which hosted, embedded or direct-API checkout is contracted for Adyen Payments, and who owns the UI and PCI scope?

    No checkout integration is specified for this product.

  2. 02

    Which webhook events are supported, how is the message signature verified, and what are the retry and delivery-order rules?

    Supported events, signature verification, retry and ordering rules are not specified.

Merchant funds, risk & support

Adyen Payments: risk, licenses & support

Payment processing, merchant funds, reserves, chargebacks, contracting entity, regulated payment services and support.

01 / Processing, reserves & chargebacks

Who can suspend payment processing or hold merchant funds?

Payment processing, reserve or other holds on merchant funds, fraud controls and chargeback handling.

Payment processing & funds

Merchant acquiring

Who bears payment losses, who may suspend payment processing, who handles chargebacks and the parties' duties after termination are not specified for this product.

Role in this product
Payment gateway · Risk management · Payment processor · Acquirer · Merchant settlement
Who receives and settles funds
Custom acquirer to merchant settlement

Reserve or security deposit

Reserve amount and release terms are not specified

The reserve amount and release schedule are not specified for this product. A reserve may still be included in the final agreement.

Not specified

Fraud, authentication & chargebacks

Fraud screening, 3-D Secure and chargeback handling

Fraud screening, 3-D Secure, and dispute handling are available. Responsibility for chargebacks, refunds, fraud losses and negative balances is not specified. The agreement must also state who can suspend processing or hold settlement funds.

  1. 01

    Before authorization

    Fraud screening

  2. 02

    At checkout

    3-D Secure authentication

  3. 03

    After payment

    Disputes & chargebacks

BEFORE AUTHORIZATION

Fraud screening

Which fraud rules can block or flag a transaction for review?

Capabilities
Protect risk engineMachine learning risk assessmentCustom risk rulesAllow block or review actionsRule backtestingBot attack detectionRisk monitoring
Signals
Payment dataShopper behaviorNetwork wide risk signals

AT CHECKOUT

3-D Secure authentication

Which 3-D Secure and verification methods are included?

3-D Secure
Yes

AFTER PAYMENT

Disputes & chargebacks

Which dispute and chargeback tools are included?

Chargeback tools
Customer area dispute managementDisputes APIDispute webhooksAccept or defend disputeAutomatic defense for eligible card chargebacks
Chargeback reporting
Yes
Chargeback report filters
Dispute statusDispute reasonPayment referenceDefense deadline
Before signingReserve, chargeback, settlement hold and suspension terms5 items to confirmReview contract terms
03 / Support

How can merchants reach support?

Company support hours and contact channels are available. It is not specified which ones cover Adyen Payments and payment-processing or merchant-settlement issues. First-response and resolution targets are also not specified.

Support contacts

Company support hours and contacts

The contacts that cover this product and payment-processing or merchant-settlement issues are not specified.

Company contacts

Support hours are not specified for these contacts.

Merchant support

Before signingSupport contacts, hours and response times3 items to confirmReview contract terms
Adyen Payments / Before signing

What should the merchant agreement include?

Confirm the contracting entity, approval conditions, processing fees, merchant funding, reserves, chargebacks, liability, support and termination.

Before signing

Adyen Payments: terms to confirm

Confirm each material commercial, operating and legal term in the agreements that govern this product.

Commercial & funding terms

Processing fees, reserve or security deposit, merchant funding schedule and chargeback fees

Approval, liability & exit

Underwriting conditions, responsible entities, loss allocation, suspension, support and termination

Contract checklist

Terms to review by topic

Jump to the underlying product details

  1. 01Reserves & chargebacksReserve or security deposit, chargebacks, processing suspension and settlement holds.
  2. 02Legal entity & licenseContracting entity, license or registration, and regulated payment services.
  3. 03SupportSupport contacts, hours, response times and escalation.
Merchant agreement

Contract terms to confirm

Review processing fees, merchant funding, reserves, chargebacks, liability, support and termination.

Reserves & chargebacksReserve or security deposit, chargebacks, processing suspension and settlement holds.
  1. Can a reserve or post-termination hold apply to this product, and how is it released?

    The entity that may establish and hold a reserve, the reserve amount and the release terms are not specified.

  2. What events allow Adyen Payments to be suspended or terminated?

    The notice period, any right to cure a breach, and the events allowing immediate suspension are not specified.

  3. What chargeback fee applies?

    Chargeback handling is included, but the fee is not specified.

  4. Who handles open disputes, chargebacks and case submissions after termination?

    Ownership of open disputes, chargebacks and case submissions after termination is not specified.

  5. Who monitors card-network thresholds, and what happens before the merchant exceeds one?

    Card-network monitoring programs and escalation thresholds are not specified.

Legal entity & licenseContracting entity, license or registration, and regulated payment services.
  1. Which legal entity will sign the agreement for this product, and which license or registration applies?

    The contracting legal entity is not specified for this product.

  2. Which privacy framework, controller roles and data-transfer terms apply to this product?

    The privacy framework, controller roles and data-transfer terms are not specified for this product.

  3. Who receives security incidents, and what notification window applies?

    The security incident contact and notification deadline are not specified.

SupportSupport contacts, hours, response times and escalation.
  1. What first-response, update and resolution targets apply by incident severity?

    First-response and resolution targets are not specified.

  2. Who handles escalations for payment failures, integration incidents and account restrictions?

    No escalation contact or process is specified for these incidents.

  3. Which support hours and contact channels cover Adyen Payments, and where should a merchant report payment-processing or merchant-settlement issues?

    The support scope for Adyen Payments and the contacts for payment-processing or merchant-settlement issues are not specified.

Product summary

What this product already includes

What this product includes, which restrictions apply and which merchant-agreement terms are not specified.

Included capabilities

Capabilities included with Adyen Payments.

  • A full-stack payments configuration covering gateway, risk, processing, acquiring and merchant settlement. Adyen uses partner acquirers outside its direct-acquiring footprint.