Adyen
- In-person rate
- IC++ + 0.6% + 13c
- Online rate
- IC++ + 0.6% + 13c
- Monthly fee
- Free
- Terminal cost
- Hardware quoted
- Contract length
- Typically annual
- Settlement time
- Multi-currency available
- Est. monthly cost
- —
Adyen
Enterprise payments platform on an interchange++ pricing model. No monthly or setup fees.
- In-person rate
- IC++ + 0.6% + 13c
- Online rate
- IC++ + 0.6% + 13c
- Monthly fee
- Free
- Contract
- Typically annual
Best for
Enterprise and high-volume businesses processing multiple currencies and channels.
Pricing breakdown
All prices in AUDLast verified 11 June 2026Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
- IC++ + 0.6% + 13c
Interchange++ pricing: 0.6% is Adyen's minimum markup; interchange and scheme fees pass through at cost.
- Monthly fee
- Free
Minimum invoice threshold applies to low-volume merchants.
- Terminal cost
- Hardware quoted
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- IC++ + 0.6% + 13c
Same Interchange++ model online. AMEX 3.95% globally.
- Monthly fee
- Free
Minimum invoice threshold applies to low-volume merchants.
- Setup fee
- Free
Other fees
- Chargeback fee
- Quote
Pass-through pricing model.
- AMEX rate
- 3.95% + 13c
Amex global rate; same fixed 13c per transaction.
- International card surcharge
- Varies via interchange
Pass-through in the IC++ model.
- Early termination fee
- Varies
Typically annual contract.
- Instant payout fee
- Multi-currency available
Multi-currency settlement via linked accounts.
- Refund fee
- Free
- PCI compliance fee
- Free
No monthly, setup, or integration fees.
Contract terms
- Contract length
- Typically annual
- Settlement time
- Multi-currency available
- Least-cost routing
- Yes
- Recurring billing
- Yes
Accepted payment methods
Cards, wallets, and other methods supported by Adyen for Australian merchants.
Cards
- Visa
- Mastercard
- EFTPOS
- AMEX
- UnionPay
- JCB
- Diners Club
Digital wallets
- Apple Pay
- Google Pay
Buy now, pay later
- Afterpay
- Klarna
- Zip
Other
- Alipay
- WeChat Pay
Strengths and trade-offs
Pros
- Transparent interchange++ pricing
- No monthly, setup, or integration fees
- Multi-currency settlement available
- Strong global enterprise brand
Cons
- Minimum invoice threshold for low-volume merchants
- Pricing complexity not suited to micro businesses
About Adyen
Adyen is an Amsterdam-based publicly listed payments company favoured by global enterprise. Interchange++ pricing passes interchange fees through directly, with Adyen taking 13c per transaction plus a 0.60% scheme fee for Visa and Mastercard.
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.
Westpac
$214/mo est.
- In-person rate
- 1.2%
- Online rate
- 1.4%
- Monthly fee
- $24.75/mo
- Terminal cost
- $24.75/mo rental
- Contract length
- No lock-in
- Settlement time
- Instant
- Est. monthly cost
- $214/mo
Bendigo Bank
$229/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.4%
- Monthly fee
- From $19/mo
- Terminal cost
- From $19/mo rental
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $229/mo
NAB
$231/mo est.
- In-person rate
- 1.15%
- Online rate
- 1.4% + $0.25
- Monthly fee
- $25/mo
- Terminal cost
- $25/mo rental
- Contract length
- No lock-in (60 days notice)
- Settlement time
- Next business day
- Est. monthly cost
- $231/mo
Common questions about Adyen
The same questions Australian merchants ask before signing up.
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.
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