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
Every 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
Last verified 14 May 2026.
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 monthly cost.
Zeller
$633/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.7% + $0.25
- Monthly fee
- Free
- Terminal cost
- From $99
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $633/mo
Stripe
$723/mo est.
- In-person rate
- 1.7% + $0.30
- Online rate
- 1.7% + $0.30
- Monthly fee
- Free
- Terminal cost
- Hardware quoted
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Est. monthly cost
- $723/mo
Square
$757/mo est.
- In-person rate
- 1.6%
- Online rate
- 2.2%
- Monthly fee
- Free
- Terminal cost
- $65
- Contract length
- No lock-in
- Settlement time
- Next day
- Est. monthly cost
- $757/mo
Common questions about Adyen
The same questions Australian merchants ask before signing up.
Adyen charges in-person transactions at IC++ + 0.6% + 13c and online transactions at IC++ + 0.6% + 13c for Australian merchants. Compare these rates against other providers on our payment-providers comparison page.
Adyen contract terms in Australia: Typically annual. Check the fine print for any early termination fees before signing.
Adyen settles funds on a multi-currency available schedule for Australian merchants. Settlement timing can be a deciding factor for cash flow, see how it compares on our payment-providers comparison page.
Adyen accepts AMEX in Australia at 3.95% + 13c. Some providers price AMEX higher than Visa and Mastercard, so check the comparison before signing on.
Yes. Adyen offers least-cost routing in Australia, which can lower the cost of contactless debit transactions by routing them through the cheaper EFTPOS network. This is a real saving for busy retail and hospitality merchants.
Adyen is best suited to enterprise and high-volume businesses processing multiple currencies and channels. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to Adyen and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
Compare Adyen
Compare Adyen against every other Australian provider on price, contract terms, and features.