B2B SaaS Provider · vs · AdTech Vendor
Adyen vs Cardlytics
Structured technology and market comparison · 2026
Direct Feature Comparison
Adyen · vs · CardlyticsUnified enterprise payments and money movement infrastructure platform.
Bank-integrated ad platform using transaction data for measurable commerce media.
Analyze all overlapping signals and tech stacks for Adyen and Cardlytics
Compare mutual enterprise clients, monetization models, live market signals, and partner networks directly in the interactive Knowledge Graph.
Comparison Analysis
What is the main difference between Adyen and Cardlytics?
When comparing Adyen and Cardlytics, both platforms operate within the B2B SaaS Provider and AdTech Vendor ecosystem. Adyen is positioned as Unified enterprise payments and money movement infrastructure platform, whereas Cardlytics focuses on Bank-integrated ad platform using transaction data for measurable commerce media. Decision-makers evaluate both solutions when orchestrating their commercial monetization and technology stack.
What are the top alternatives to Adyen and Cardlytics?
When evaluating Adyen and Cardlytics, enterprise buyers also consider other platforms in B2B SaaS Provider and AdTech Vendor. You can discover the full competitive landscape and evaluate other alternatives by viewing their respective footprint profiles on Polaris7.
Market Signals
Recent Market Signals & Activity: Adyen vs Cardlytics
Documented market movements, strategic partnerships, product releases, and regulatory developments mapped across Polaris7.
Adyen
Recent Signals
- ·Retail-NewsPayments & Authentication
Adyen Upgrades Authenticate with AI Payment Optimization
Adyen has significantly expanded its authentication offering, Authenticate, as part of its Uplift optimization suite. The module now uses machine learning to route each transaction in real-time to the most appropriate authentication technology, replacing static 3DS rules. It integrates 3DS, Google Secure Payment Authentication, Mastercard and Visa Payment Passkeys, and pure data flows. The system dynamically decides whether authentication is needed, which method to use, and which data to send to card issuers, optimizing over 150 data fields for 3DS. It also works with Adyen's fraud management module Protect to recognize trusted buyers and minimize friction. Early customers report conversion gains: Too Good To Go saw an 11% relative increase in payment conversion, and Just Eat Takeaway.com reported a 12% higher conversion rate among qualifying visitors. Authenticate is now available worldwide for 3DS and issuer request optimization; newer methods like Google SPA and passkeys are being rolled out gradually, with live transactions already occurring in the UK and broader international rollout planned by 2027.
- Adyen upgrades Authenticate with AI-based routing and optimization.
- The platform integrates 3DS, Google SPA, Mastercard and Visa Payment Passkeys.
- Too Good To Go reports an 11% relative increase in payment conversion.
- ·Retail-NewsE-Commerce / Agentic Commerce
German Consumers Want AI Shopping Control
A follow-up study by Riverty and Adyen reveals that 49% of German consumers expect AI to handle a large portion of their everyday shopping within the next five years. While 67% understand the concept of AI shopping agents, sentiment is divided, with about a quarter positive and a quarter negative. Control remains key: 21% cite personal control as the main trust factor, 19% fraud protection, 14% data privacy, and 19% would never trust AI for purchases. 48% prefer AI as a shopping co-pilot for product search and recommendations, while only 16% accept fully autonomous purchases. Food and household goods (33%) are the most trusted categories, followed by subscriptions (25%) and ticketing (24%). 51% prefer invoice payment, and willingness to entrust higher budgets has decreased. Human support remains crucial for 56% of consumers.
- 49% of Germans expect AI to handle a large portion of everyday shopping within five years.
- 67% understand the principle of AI shopping agents.
- 21% cite personal control as the most important trust factor for AI shopping.
- ·Retail-NewsFinancials
Adyen H1 2026: Net Revenue Rises Nearly 20%
Adyen reported strong first-half 2026 results: net revenue rose 19% year‑on‑year to €1.303 billion and processed payment volume increased 24% to €803.8 billion. EBITDA was €641.5 million (49% margin) and free‑cashflow conversion reached 86%. After H1 the company completed acquisitions of Talon.One and Orb and introduced new offerings including Adyen Agentic and Intelligent Money Movement to address AI-driven commerce and liquidity management. Adyen added several large international customers (Aritzia, OpenAI, Xiaomi) and GOV.UK Pay in the public sector, expanded the Toast partnership, obtained a UAE retail payments licence, and joined the x402 Foundation. For full-year 2026 Adyen expects 21–23% net revenue growth (constant FX) and plans higher 2026 capex (~7% of net revenue).
- Adyen reported net revenue of €1.303 billion in H1 2026, a 19% increase year‑on‑year (21% at constant FX).
- Payment volume processed via Adyen's platform rose 24% to €803.8 billion in H1 2026.
- EBITDA for H1 2026 was €641.5 million, corresponding to a 49% margin (50% excluding one‑off transaction costs).
Cardlytics
Recent Signals
- ·SEC APIfinancials
8-K Financial Filing Analysis for Cardlytics (2026-09-11)
On September 4, 2026, Cardlytics, Inc. entered into a settlement and release agreement with Amit Jain, the founder and former CEO of Bridg, Inc., resolving litigation filed in the Delaware Court of Chancery concerning indemnification obligations assumed during Cardlytics' 2021 acquisition of Bridg. Under the agreement, Cardlytics will pay an aggregate of $6.4 million, which includes $5.3 million for Jain's allocated settlement in the DailyGobble Action and $1.1 million for related legal fees. The settlement is aligned with the $6.5 million accrual previously recorded as of June 30, 2026. Cardlytics is actively pursuing insurance reimbursement to recoup portions of the settlement cost.
- Cardlytics entered into a $6.4 million settlement and release agreement with Bridg founder Amit Jain on September 4, 2026.
- The payout comprises approximately $5.3 million for the DailyGobble Action settlement and associated costs, plus $1.1 million in legal fees.
- The settlement aligns with the $6.5 million accrual recorded as of June 30, 2026, and Cardlytics is seeking insurance reimbursement to offset costs.
Compare their exact ecosystem overlaps.
Explore all deep relationships in Polaris7. Discover exactly which mutual clients, integrated technologies, and overlapping partners Adyen and Cardlytics share across the market ecosystem.