Adyen

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.