Adyen
- In-person rate
- Interchange++ (custom)
- Online rate
- Interchange++ (custom)
- Monthly fee
- Free
- Hardware cost
- Contact provider
- Contract length
- No minimum contract
- Settlement time
- Flexible (custom settlement timing)
- Est. monthly cost
- —
Adyen
Adyen is an enterprise payments platform for online, in-person and marketplace payments, priced on interchange++ with no monthly or setup fees.
Best for
Enterprise and high-volume businesses processing payments across multiple channels and currencies.
- In-person rate
- Interchange++ (custom)
- Online rate
- Interchange++ (custom)
- Monthly fee
- Free
- Contract
- No minimum contract
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
In-person terminal and tap-to-pay transactions.
- Transaction rate
- Interchange++ (custom)
Adyen IC++ model: £0.11/tx + interchange + 0.60% scheme fee (Visa/MC). Rate not comparable to blended SME rates; enterprise custom quote required. Source: adyen.com/en_GB/pricing (verified 2026-06-14).
- Monthly fee
- Free
Corrected from "quote" 2026-08-26 after reading adyen.com/pricing via a GB-geo proxy: "No setup fee. Pay per transaction, with no setup or monthly fees." Adyen states plainly that there is no monthly fee, and our own US row already stored 0, so UK was inconsistent with both the vendor and ourselves. The transaction RATES stay quote: Adyen prices per payment method over pass-through interchange plus a $0.13 processing fee, so there is no single rate to publish.
- Hardware cost
- Contact provider
Adyen offers Tap to Pay, Mobile, Countertop, and Unattended terminals. Hardware costs not published; enterprise custom quote required (adyen.com/en_GB/pos-payments).
- Setup fee
- None
Adyen explicitly states no setup fees (adyen.com/en_GB/pricing).
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- Interchange++ (custom)
Same IC++ model applies online. Adyen does not publish a separate blended online rate; enterprise custom quote required.
- Monthly fee
- Free
Corrected from "quote" 2026-08-26 after reading adyen.com/pricing via a GB-geo proxy: "No setup fee. Pay per transaction, with no setup or monthly fees." Adyen states plainly that there is no monthly fee, and our own US row already stored 0, so UK was inconsistent with both the vendor and ourselves. The transaction RATES stay quote: Adyen prices per payment method over pass-through interchange plus a $0.13 processing fee, so there is no single rate to publish.
- Setup fee
- None
Adyen explicitly states no setup fees (adyen.com/en_GB/pricing).
Other fees
- Chargeback fee
- Contact provider
Adyen does not publish a chargeback fee on its UK pricing page. Ask before you sign.
- AMEX rate
- Contact provider
Amex: £0.11 + 3.95% (from adyen.com/en_GB/pricing). Seeded as quote because the 3.95% is not a blended rate comparable to other providers.
- International card surcharge
- Interchange-dependent
IC++ model: international interchange rates passed through directly. No separate surcharge; the higher interchange for non-EEA cards flows through naturally.
- Early termination fee
- None
No closure fees stated on adyen.com/en_GB/pricing.
- Instant payout fee
- Contact provider
Instant payout fee not published on adyen.com/en_GB/pricing. Flexible settlement timing available; specifics require enterprise discussion.
- Refund fee
- Contact provider
Adyen does not publish a refund fee on its UK pricing page. Ask before you sign.
- PCI compliance fee
- Included (E2EE terminals)
Adyen terminals are E2EE/P2PE certified. PCI compliance assistance included; no separate PCI fee stated.
Contract terms
- Contract length
- No minimum contract
No minimum contract or closure fees per adyen.com/en_GB/pricing.
- Settlement time
- Flexible (custom settlement timing)
Adyen offers flexible payouts with merchant-chosen settlement timing and currency. Specific T+ days not published on pricing page.
- Recurring billing
- Yes
Adyen supports subscriptions and recurring billing as part of its omnichannel platform.
How Adyen compares
All prices in GBPPrices checked
Side-by-side with the closest alternatives by estimated cost.
Based on £15,000/mo card volume at a £50 average transaction.
Square
£262.50/mo est.
- In-person rate
- 1.75%
- Online rate
- 1.4% + 25p
- Monthly fee
- £0/mo (Free plan)
- Hardware cost
- Reader £19 / Stand £99 / Terminal £149 / Register £699 (excl VAT)
- Contract length
- No contract
- Settlement time
- Next business day (instant at 1.5% fee)
- Est. monthly cost
- £262.50/mo
Stripe
£240/mo est.
- In-person rate
- 1.4% + 10p
- Online rate
- 1.5% + 20p
- Monthly fee
- £0/mo
- Hardware cost
- WisePad 3 £49 / Reader S700 £229 (excl VAT)
- Contract length
- No contract
- Settlement time
- T+3 standard (new accounts T+7); instant at 1% min 40p
- Est. monthly cost
- £240/mo
Dojo
- In-person rate
- 1.2% blended
- Online rate
- Get quote
- Monthly fee
- £0 (Essential) / £25 (Plus)
- Hardware cost
- Purchase from £79 / rental from £15-25/mo (third-party)
- Contract length
- Fix: 12 months; Flex: 30-day rolling
- Settlement time
- Next business day by 10am
- Est. monthly cost
- —
Strengths and trade-offs
Pros
- Transparent interchange++ pricing
- No monthly, setup, or integration fees
- Multi-currency and multi-channel settlement
- Strong global enterprise brand
Cons
- Minimum invoice threshold for low-volume merchants
- IC++ pricing complexity not suited to small businesses
- No self-serve onboarding for SMEs
Accepted payment methods
Cards, wallets, and other methods supported by Adyen for UK merchants.
Cards
- Visa
- Mastercard
- EFTPOS
- AMEX
- UnionPay
- JCB
- Diners Club
Digital wallets
- Apple Pay
- Google Pay
Buy now, pay later
- Clearpay
- Klarna
- Zip
Other
- Alipay
- WeChat Pay
About Adyen
Adyen is an Amsterdam-based publicly listed payments company used by global enterprise brands. Interchange++ pricing passes interchange and scheme fees through directly, with a fixed processing fee per transaction on top. No monthly, setup, integration, or closure fees. A minimum invoice threshold applies, making it unsuitable for micro businesses.
Adyen was founded in 2006 and is headquartered in Amsterdam, Netherlands.
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