Processor fees and pricing

Adyen Fees and Pricing: What the Price List Leaves Out

Adyen publishes a price list, which is more than most processors do. But many merchants never pay that price, because they reach Adyen through software that sets its own. And on a large account, the fees that matter most are the ones the price list cannot show.

Written by Robert Day, Founder and Managing Partner of weAudit.com, previously an executive at Fifth Third Processing Solutions, later Vantiv and Worldpay, now part of Global Payments, the world’s largest card processor. Published October 2026.

What to know: Adyen scores 47 out of 100

47/100

Adyen’s score on the weAudit Processor Scoreboard. In weAudit’s audits it has been the most expensive processor we have run into.

You cannot control your interchange. Adyen accepts Level 2 and 3 data but does not enhance it, and it does not let you bring a gateway that would.
Disputes go to Amsterdam. Adyen’s US platform agreement is governed by Dutch law.
Some fees cannot be validated. Fees come out of your settlement, and some accounts we have audited could not trace every one to a rate.

Read the full Adyen rating

Adyen’s published US price

Charge	Adyen’s list price
Processing fee	$0.13 per transaction
Visa and Mastercard	Interchange + scheme fees + 0.60%
Minimum monthly invoice	Set by industry
Currency conversion	1.2%, or 3% for less common currencies, in its platform agreement
Deposits after an account ends	Held up to six months, in its platform agreement

Sources: Adyen’s published pricing, which it describes as indicative, and Adyen’s US platform agreement template. Your contract or invoice shows what applies to you.

The price most merchants actually pay

Adyen sells wholesale to software platforms, and the platforms resell it. In one Adyen proposal weAudit reviewed for a software platform, Adyen’s US price was about 6.5 cents a transaction plus a markup that fell from 0.19% to 0.08% as volume grew. The platform then charged its own merchants a flat 2.9%. The difference between those numbers is the platform’s revenue, and the merchant never sees the wholesale price.

Adyen’s own platform agreement confirms the arrangement: the merchant accepts Adyen’s terms, but those terms do not specify pricing. The platform sets the price, handles the merchant’s account and support, and Adyen collects the platform’s fees from the merchant’s funds before paying out. No client is named.

The fee you cannot see on any price list. On business cards, interchange depends on Level 2 and Level 3 data. In monthly audits of one large B2B Adyen account, sales missing that data have downgraded to higher interchange, costing between $28,000 and $65,000 a month. Adyen supports the data but does not enhance it, and you cannot swap in a gateway that does. See Level 3 credit card processing.

How to lower what you pay Adyen

Find out who sets your price: Adyen directly, or a platform reselling it.
Ask for interchange-plus in writing, with the markup and per-transaction fee stated.
Confirm Level 2 and 3 approval and that your software sends every field.
Match every invoice fee to a rate. A fee you cannot trace is a fee you cannot dispute.
Get it audited before you renew.

Common questions

How much does Adyen charge?

Adyen’s published US list price is a processing fee of $0.13 per transaction plus a payment method fee. For Visa and Mastercard that is interchange and scheme fees plus 0.60%. Adyen also sets a minimum monthly invoice by industry and calls its published pricing indicative.

Is Adyen interchange-plus?

Yes. Adyen’s Visa and Mastercard pricing passes through interchange and scheme fees and adds a markup. But a 0.60% markup is high compared with what a large merchant should pay on interchange-plus, and merchants have been told Adyen does not disclose interchange to them.

Why do I pay more than Adyen’s published price?

Usually because you reach Adyen through a software platform. Platforms buy Adyen at wholesale and set their own price for merchants, often a flat rate like 2.9%, and keep the difference. Adyen’s own platform agreement says the merchant terms do not specify pricing; the platform does.

What other fees does Adyen charge?

Adyen’s US platform agreement sets a currency conversion markup of 1.2%, or 3% for less common currencies, and allows deposits to be held for six months after an account ends. Chargeback and other fees appear on Adyen’s price list and invoices.

Can I lower my Adyen fees?

Ask for interchange-plus pricing in writing with a stated markup, make sure your account is approved for Level 2 and Level 3 data and your software sends every required field, and check every fee on your invoice against a rate. Because Adyen does not let you bring your own gateway, you cannot switch to one that enhances your data automatically.

How does weAudit rate Adyen?

Adyen scores 47 out of 100 on the weAudit Processor Scoreboard, with its lowest marks for Fee Practices and Transparency.

Send us the invoices. We will tell you what is in them.

Our first audit is free and takes about five minutes of your time. We check your Adyen fees against interchange, find downgrades and fees that cannot be traced, and tell you what you should be paying. If there is nothing to find, you will know that too.

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weAudit is not affiliated with Adyen. Adyen is a trademark of Adyen N.V. See also the credit card processing fees comparison.