Provider profile · 2026 edition
Adyen review 2026: scores, fees and alternatives.
A global payments platform and licensed bank that acquires card payments itself.
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A global payments platform and licensed bank that acquires card payments itself.
Adyen scores 3.9 out of 5 (77 out of 100) in the Buckingham Intelligence Payment Processing and Acquiring Index 2026 and ranks 2 of 10. It is strongest for large merchants wanting local acquiring and many payment methods from one licensed bank, with 5 out of 5 for payment methods and merchant reach. Not published or not stated on the pages read: payout speed and regulatory standing.
Scores from the Payment Processing and Acquiring Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For small and mid-sized merchants | 69 | 5 of 10 |
| For enterprise and cross-border merchants | 83 | 2 of 10 |
| For platforms and regulated firms | 79 | 2 of 10 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Large merchants wanting local acquiring and many payment methods from one licensed bank.
What Adyen publishes on its own pages, read on 26 October 2026.
A global payments platform and licensed bank that acquires card payments itself. It publishes the widest method and currency coverage in this edition, a per-transaction fee with interchange plus plus card pricing, and licence pages for ten regions, including banking licences in the EEA and the US. It does not publish payout times, and licence numbers are mostly not shown.
| Fact | What the provider publishes |
|---|---|
| Pricing | "For each transaction, we charge a fixed processing fee + a fee determined by the payment method." Processing fee $0.13; cards "Interchange+ + 0.60%". "No setup fee"; "no setup or monthly fees". |
| Payment methods | Homepage: "150+" currencies and "200+" local payment methods. |
| Merchant reach | Licence pages for Australia, Canada, EMEA, India, the United States, Malaysia, Singapore, New Zealand, Hong Kong and Japan; banking licence passported to "all EEA countries". |
| Payout speed | "Flexible payouts: Choose when and in which currency you want to settle." No payout times published. |
| Integration | "One API that supports multiple use cases and channels"; sales contact to start. No self-serve sign-up or test environment on the pages read. |
| Regulatory standing | "Adyen N.V. is authorised as a credit Institution under the supervision of Dutch Central Bank"; UK branch with Part 4A permission supervised by the PRA and FCA; US federal branch "licensed by the Office of the Comptroller of the Currency and the Federal Reserve Board"; MAS Major Payments Institution; CBUAE licence number 08.01.02.035. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: adyen.com, adyen.com/pricing, adyen.com/licenses, adyen.com/licenses/emea, adyen.com/licenses/united-states, adyen.com/licenses/singapore.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Payment Processing and Acquiring Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Stripe | 4.2 | 1 of 10 | Online businesses wanting full published pricing and self-serve sign-up in many countries |
| Mollie | 3.6 | 3 of 10 | UK and European small businesses wanting simple published rates and daily payouts |
| Razorpay | 3.6 | 4 of 10 | Businesses selling to customers in India through UPI, cards and netbanking |
| Airwallex | 3.5 | 5 of 10 | Businesses wanting card acceptance with settlement into a multi-currency account |
| Nuvei | 3.4 | 6 of 10 | Merchants in gaming, travel and high-volume sectors needing many local methods |
| PayPal Braintree | 3.0 | 7 of 10 | Online merchants wanting card and PayPal acceptance with published UK rates |
| Checkout.com | 2.8 | 8 of 10 | Large online merchants needing local acquiring across many regions |
| SumUp | 2.6 | 9 of 10 | Small UK retailers and sole traders taking card payments in person |
| Worldpay | 1.6 | 10 of 10 | UK merchants wanting an established acquirer with next-day settlement |
Side by side on every criterion, fact and award.
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