StripeFinance & invoicingFree plan: No setup fee and no monthly subscription: transparent pay-as-you-go per transaction (1.5% + €0.25 for standard European cards, €0.29 for iDEAL, €0.35 for SEPA)
Made in NetherlandsAdyen pricing in Europe (October 2026): plans, free plan & deals
Paid plans from €450 a month. Free plan: Transparent Interchange++ pricing: €0.11 fixed processing fee per transaction + payment method fee (€0.13 for iDEAL, €0.19 for Bancontact, interchange rate for Visa/Mastercard).
PRICING AT A GLANCE Official price
Plans from €450 a month
Free plan: Transparent Interchange++ pricing: €0.11 fixed processing fee per transaction + payment method fee (€0.13 for iDEAL, €0.19 for Bancontact, interchange rate for Visa/Mastercard).
See Adyen plans- No code needed
- Official vendor checkout
Free planTransparent Interchange++ pricing: €0.11 fixed processing fee per transaction + payment method fee (€0.13 for iDEAL, €0.19 for Bancontact, interchange rate for Visa/Mastercard)
Paid plans from€450 a month
Data stored inProprietary European data centers in Amsterdam and Frankfurt, operating on dedicated banking-grade server infrastructure without public cloud dependency
Data protectionFully licensed European banking license from the Dutch Central Bank (DNB), European Central Bank (ECB) supervision, PCI-DSS Level 1 compliant
CompanyPremier European omnichannel payment institution and bank (Adyen N.V.), publicly listed on Euronext Amsterdam and headquartered in Amsterdam, Netherlands
Adyen plans and prices
| Plan | Monthly (EUR) | Yearly billing, per month (EUR) | Includes |
|---|---|---|---|
| Interchange++ (Pay-as-you-go) | Free | Free | No setup fee and no monthly subscription. €0.11 fixed processing fee per transaction + payment method fee (€0.13 for iDEAL, €0.19 for Bancontact, €0.24 for SEPA direct debit, interchange fee for cards) |
| Enterprise Unified Commerce | €450 | €390 | For omnichannel retailers processing >€150,000/month. Unified cross-channel tokenization for in-store POS terminals and online web shops, dedicated account team, RevenueProtect AI custom rules |
Prices as listed on Adyen’s pricing page; VAT may be added at checkout. adyen.com · Checked 22 Oct 2026
What will you pay for Adyen?
€10,000 / mo (Interchange++ €0.11 fixed fee)€500,000+ / mo (Enterprise Unified Commerce with POS)
Interchange++ (Pay-as-you-go)Cheapest€0 / monthly
No setup fee and no monthly subscription. €0.11 fixed processing fee per transaction + payment method fee (€0.13 for iDEAL, €0.19 for Bancontact, €0.24 for SEPA direct debit, interchange fee for cards)
Enterprise Unified Commerce€450 / monthly
For omnichannel retailers processing >€150,000/month. Unified cross-channel tokenization for in-store POS terminals and online web shops, dedicated account team, RevenueProtect AI custom rules
A look at Adyen
What you work with in Adyen.
Adyen · Stripe · Mollie side by side
Figures from each vendor’s own pricing and privacy pages.
| Adyen | Stripe |  Mollie | |
|---|---|---|---|
| Free plan | Transparent Interchange++ pricing: €0.11 fixed processing fee per transaction + payment method fee (€0.13 for iDEAL, €0.19 for Bancontact, interchange rate for Visa/Mastercard) | No setup fee and no monthly subscription: transparent pay-as-you-go per transaction (1.5% + €0.25 for standard European cards, €0.29 for iDEAL, €0.35 for SEPA) | No monthly subscription fee or setup fee: transparent pay-as-you-go per successful transaction |
| Paid plans from | €450 a month | €299 a month | €250 a month |
| Data stored in | Proprietary European data centers in Amsterdam and Frankfurt, operating on dedicated banking-grade server infrastructure without public cloud dependency | Multi-region AWS cloud infrastructure with European customer and transaction data hosted in Dublin (Ireland) and Frankfurt (Germany) | Transaction processing and customer data hosted in high-security ISO 27001-certified data centers in the Netherlands and Germany |
| Origin | Netherlands | IE | Netherlands |
Checked 22 Oct 2026. Prices as each vendor lists them.
Is Adyen worth it?
Strengths & best fit
Best for: High-growth mid-market enterprises, global retailers, and digital marketplaces looking for a single unified commerce platform with direct bank connections, transparent Interchange++ pricing, and unified online and in-person POS settlements.
Free plan covers: Transparent Interchange++ pricing: €0.11 fixed processing fee per transaction + payment method fee (€0.13 for iDEAL, €0.19 for Bancontact, interchange rate for Visa/Mastercard).
Good to know
Headquartered in Amsterdam, Netherlands and publicly traded on Euronext Amsterdam (ADYEN), Adyen holds a full European banking license granted by De Nederlandsche Bank (DNB). Unlike legacy payment gateways that rely on multiple intermediary processors, Adyen operates a single proprietary end-to-end infrastructure with direct connections to card schemes and local European payment networks.
Adyen alternatives and their deals
StripeFinance & invoicingMollieFinance & invoicingFree plan: No monthly subscription fee or setup fee: transparent pay-as-you-go per successful transaction
PaddleFinance & invoicingFree plan: Merchant of Record model: 5% + $0.50 per transaction covering payment processing, global sales tax/EU VAT remittance, and fraud protection with zero monthly subscription fee
Watch a Adyen walkthrough
Questions
Does Adyen have a free plan?▼
Yes. Free plan: Transparent Interchange++ pricing: €0.11 fixed processing fee per transaction + payment method fee (€0.13 for iDEAL, €0.19 for Bancontact, interchange rate for Visa/Mastercard).
How much does Adyen cost?▼
Interchange++ (Pay-as-you-go) costs €0 a month. Prices as the vendor lists them.
Is there a Adyen discount code?▼
No discount is confirmed today. New offers appear at the top of this page when we confirm them.
How does Adyen Interchange++ pricing work?▼
Adyen charges a fixed processing fee of €0.11 per transaction plus the exact cost of the payment method (for example, €0.13 for iDEAL or €0.19 for Bancontact). For credit cards, Interchange++ passes through the exact regulated interchange fee from card schemes plus Adyen’s transparent acquirer markup, saving substantial costs compared to blended flat rates for merchants with high transaction volumes.
What does Adyen say about data protection for EU customers?▼
Fully licensed European banking license from the Dutch Central Bank (DNB), European Central Bank (ECB) supervision, PCI-DSS Level 1 compliant (adyen.com, Checked 22 Oct 2026).
Where does Adyen store customer data?▼
According to adyen.com: Proprietary European data centers in Amsterdam and Frankfurt, operating on dedicated banking-grade server infrastructure without public cloud dependency. Checked 22 Oct 2026.
Price history: Enterprise Unified Commerce €450
Start free, upgrade when you need it
Free plan: Transparent Interchange++ pricing: €0.11 fixed processing fee per transaction + payment method fee (€0.13 for iDEAL, €0.19 for Bancontact, interchange rate for Visa/Mastercard). Paid plans from €450 a month.
- No code needed
- Official vendor checkout