The short answer
Adyen is billed interchange++ (€0.11 + ic + ~0.6%). It has no free tier (Test environment after account approval; no instant key). The paid plans we list start at Interchange + scheme fees + ~0.60% acquirer markup (Interchange++ (standard)).
Plans and prices
| Plan | Price | What it covers |
|---|---|---|
| Interchange++ (standard) | Interchange + scheme fees + ~0.60% acquirer markup | Transparent pass-through pricing; acquirer markup set by monthly card volume and negotiable for high-volume merchants (reported as low as 0.30–0.45%). |
| Per-transaction processing fee | ~€0.10–€0.15 per transaction | Fixed Adyen processing fee charged on top of interchange and scheme fees on each transaction. |
| No recurring platform fees | $0 setup / monthly / integration / closure | Adyen advertises no setup, monthly, integration, or closure fees, but applies a minimum monthly invoice that varies by industry/business model. |
How Adyen bills you
The pricing model is interchange++ (€0.11 + ic + ~0.6%). Enterprise-grade single-platform acquirer with ~99.999% historical uptime, but sales-led onboarding and quoted interchange++ pricing. Best suited to: enterprise unified commerce acquirer.
What to watch for on the bill
- Pricing and minimum monthly invoice make it expensive/opaque for small and low-volume merchants
The pricing page we read
Source: https://www.adyen.com/pricing. Prices change, so confirm there before you commit.
Compare Adyen with alternatives
Other payments apis: Stripe, Square, Razorpay, Mollie, Braintree.
Looking at quality rather than price? See the Adyen score on APIbenchmarks. Full entry: Adyen pricing.