Adyen review

Adyen is the gateway on this list built for the widest reach. Every transaction carries a fixed $0.13 processing fee plus a payment method fee, and for major cards that fee is quoted as Interchange+ + 0.60%, meaning the card networks' costs are passed through with a published markup. There are no setup or monthly fees, and Adyen lets merchants choose when and in which currency they settle, which helps sellers with costs in several currencies. The pricing page lists fees per payment method and country, so a seller can check local options such as wallets or buy now, pay later before launching in a new market. For a typical small online seller, the fit is weaker: integration is developer-led, the $0.13 fee applies before method costs, and interchange-based pricing makes each sale's cost vary. Adyen suits brands already selling across several countries more than a first store.

Who it is for

sellers expanding into many countries and payment methods

Price

No setup or monthly fees; $0.13 processing fee per transaction plus a payment method fee, such as Interchange+ + 0.60% for major cards.

$0.13 + Interchange+ + 0.60%
Quoted from the vendor pricing page on November 13, 2026.

Key features

• $0.13 fixed processing fee per transaction plus a payment method fee
• Interchange++ card pricing passes card network fees through directly
• No setup or monthly fees
• Choice of when and in which currency you settle
• One integration for many local payment methods

Strengths and weaknesses

• Strength: Transparent Interchange++ pricing for cards
• Strength: Flexible settlement timing and currency
• Strength: Published fees by payment method and country
• Weakness: Each transaction carries the $0.13 fee on top of method fees
• Weakness: Built for larger businesses with developer resources
• Weakness: Interchange-based costs vary by card

Key facts

• Processing fee: $0.13 per transaction
• Card pricing: Interchange++ plus a markup
• Setup and monthly fees: None
• Settlement: Choose timing and currency

Where it ranks

Adyen is No. 7 in our Best Payment Gateways for Small Business verdict.