Adyen

Adyen uses interchange-plus-plus (IC++) pricing, which means you pay the card network's interchange cost, the scheme fee, and Adyen's own processing margin on top. This is the most transparent pricing model available: every line item on your invoice corresponds to an actual network cost rather than a blended rate.

There is no monthly or setup fee with Adyen. You pay a per-transaction processing margin on top of interchange. However, Adyen does apply a minimum monthly invoice threshold, so lower-volume businesses may need to top up to that floor even in quiet months.

American Express transactions through Adyen are priced at 3.95% + 13c per transaction. AMEX interchange rates are generally higher than Visa or Mastercard domestic debit, so this line item will be higher on IC++ statements.

Yes. Adyen supports least-cost routing (LCR) for eligible contactless debit transactions in Australia, directing them through the eftpos network where it is cheaper than routing via Visa or Mastercard. This can meaningfully reduce effective rates for high-volume in-person businesses.

Adyen offers multi-currency settlement, and timing depends on the settlement currency and region. Australian merchants can configure settlement schedules through the Adyen dashboard. Enterprise accounts with high volume typically access faster settlement windows than the default.

Adyen is built for enterprise and high-volume businesses that process payments across multiple countries or channels. Its IC++ pricing model and minimum invoice threshold make it less practical for small and micro businesses, but it is a strong fit for retailers, marketplaces, and platforms processing at scale.

Setup and integration fees are not charged by Adyen. The platform is designed to be self-serve for technical teams, though enterprise onboarding typically involves a sales engagement to configure rates, settlement currencies, and fraud rules specific to your business.

Adyen for Platforms is the enterprise-grade version of Adyen designed for marketplaces and software platforms that need to split payments, manage seller balance accounts, and pay out to multiple parties. It suits high-volume platforms, typically processing well above $250,000 AUD per month, that need a single global infrastructure for acquiring, payouts, and compliance.

Adyen uses a balance account model. Each seller has a balance account on the Adyen ledger. When a buyer pays, the platform instructs Adyen to split the funds at authorisation or capture: routing the platform commission to one balance account and the seller share to another. Payout schedules can be configured independently per seller.

Adyen uses an interchange-plus pricing model, meaning you pay the card scheme interchange rate plus a fixed processing fee per transaction. Because pricing is negotiated as part of an enterprise agreement, there are no publicly listed rates. Contact Adyen directly for a quote based on your volume and mix.

Yes. Adyen for Platforms is enterprise-only and typically requires significant monthly Australian processing volume before an agreement is offered. Low-volume or early-stage platforms are generally better served by Stripe Connect or Airwallex, which have no minimum.

Adyen provides a hosted KYC onboarding component that platforms can embed or link to. Sellers complete identity and business verification in a Adyen-managed flow that satisfies applicable AML/CTF requirements. By default, full verification is required before a seller can receive payouts, and Adyen monitors accounts on an ongoing basis.

Yes. Adyen supports collection in more than 150 currencies and can settle balance accounts in multiple currencies. This makes it a strong fit for platforms with sellers in different countries who want to be paid in their local currency rather than converted to AUD.

Adyen does not publicly confirm an AFSL for its Australian marketplace product. Regulatory coverage for Australian operations is handled through its global licensing network. Platforms with specific Australian regulatory requirements should contact Adyen to confirm the applicable licence and compliance framework.