Adyen

Adyen operates a B2B financial infrastructure model. It offers merchants and platforms a single proprietary stack for payment acceptance, acquiring, settlement, payouts, fraud controls, authentication and card issuing, replacing fragmented point solutions and processor relationships. Value is created by simplifying integration, improving payment performance, supporting omnichannel commerce and embedding adjacent financial services into customers’ workflows.

Adyen is a Dutch financial technology company that provides a unified payments and money movement platform for businesses. Its core offering combines payment gateway services, acquiring, settlement, payouts, authentication, fraud management and issuing through a single integration. The platform is designed for enterprise merchants, marketplaces, SaaS platforms and other large digital businesses that need to accept and manage transactions across online, mobile and in-store channels.

The company primarily makes money from transaction-based fees tied to payment volume and payment method, with additional monetisation from value-added services such as risk management, authentication and issuing. Its customers are businesses rather than consumers, and its value proposition centres on reducing payment stack complexity, improving authorisation and conversion rates, and supporting international commerce with local payment methods.