Adyen

Enterprise omnichannel payments platform using interchange++ pricing. No monthly or setup fees.

In-person rate: Interchange++ (custom)
Online rate: Interchange++ (custom)
Monthly fee: None (no monthly fee)
Contract: No minimum contract

Best for

Enterprise and high-volume businesses processing payments across multiple channels and currencies.

Pricing breakdown

All prices in GBPLast verified 19 June 2026

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: None (no monthly fee)
Adyen explicitly states no monthly, setup, integration, or closure fees. "Get quote" reflects the IC++ pricing model being enterprise/custom, not a monthly fee.
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: None (no monthly fee)
Adyen explicitly states no monthly, setup, integration, or closure fees. "Get quote" reflects the IC++ pricing model being enterprise/custom, not a monthly fee.
Setup fee: None
Adyen explicitly states no setup fees (adyen.com/en_GB/pricing).

Other fees

Chargeback fee: Contact provider
Chargeback fee not published on adyen.com/en_GB/pricing. UNVERIFIED.
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
Refund fee not published on adyen.com/en_GB/pricing. UNVERIFIED.
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.
Recurring billing: Yes
Adyen supports subscriptions and recurring billing as part of its omnichannel platform.

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

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

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.

How Adyen compares

Side-by-side with the closest alternatives by estimated cost.

Assumes £15,000/mo volume, £50 average transaction, 70% in-person and 30% online.

Compare all providers

	Adyen	Elavon £186/mo est.	myPOS £202/mo est.	TYL by NatWest £224/mo est.
In-person rate	Interchange++ (custom)	0.99%	1.10% + 7p	1.39% + 5p
Online rate	Interchange++ (custom)	1.5%-1.99% (Opayo, est.)	1.30% + 15p	1.39% + 5p (no CNP extra)
Monthly fee	None (no monthly fee)	From £15/mo (incl terminal)	£0/mo	No service fee
Terminal cost	—	—	—	—
Contract length	No minimum contract	12 months	No contract	12 months
Settlement time	—	—	—	—
Est. monthly cost	—	£186/mo	£202/mo	£224/mo
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