A

Adyen

Processes payments online and in stores

Overview

Adyen processes payments for businesses selling online, through mobile apps and in physical stores, with one platform connecting checkout, fraud checks and settlement. Its unified commerce tools connect sales across channels so merchants track transactions and customer activity together. The platform also supports business accounts, card issuing and payouts for software platforms that embed financial services for their users. Merchants integrate its software into their checkout or sales systems and pay a processing fee plus fees based on the payment method, while additional products carry their own charges. Adyen was founded in 2006 and is headquartered in Amsterdam, the Netherlands.

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About Adyen

Simplify's Rating
Why Adyen is rated
B
Rated A on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

FintechFinancial Services

Company Size

5,001-10,000

Company Stage

IPO

Headquarters

Amsterdam, Netherlands

Founded

2006

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What believers are saying

  • Sales are expanding: August 2026 reporting showed Adyen's first-half net revenue grew 19% to €1.303 billion.
  • Product scope expands: Adyen completed purchases of loyalty platform Talon.One and billing platform Orb in July 2026.
  • Employees get flexible spending support: Adyen+ pays a monthly contribution for personal needs, including childcare and language courses.

What critics are saying

  • Infrastructure absorbs more cash: August 2026 guidance raised Adyen's capital spending to about 7% of net revenue.
  • Bank status adds constraints: Adyen's European license requires compliance with bank capital and liquidity rules.
  • Expect office work: Adyen prioritizes working together in person and grants flexibility when needed.

What makes Adyen unique

  • Adyen controls its computing infrastructure: it runs its own servers and avoids public clouds for payment processing.
  • Adyen links fraud signals across products: Protect's risk scores inform authentication, checkout and payment optimization.
  • Growth funds social causes: Adyen pledges 1% of annual net revenue toward UN sustainability goals.

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Funding

Total Funding

$1.5B

Above

Industry Average

Funded Over

5 Rounds

Notable Investors:
Post IPO Equity funding comparison data is currently unavailable. We're working to provide this information soon!
Post IPO Equity Funding Comparison Coming Soon

Benefits

  • Global exchange program
  • Adyen+
  • Delicious healthy lunches
  • Phantom share package
  • Yearly trip to Amsterdam
  • Normal course of life

Stock Price

Growth & Insights and Company News

6 month growth

0%

1 year growth

0%

2 year growth

0%
GlobeNewswire
Nov 10th, 2026
Sage partners with Adyen and Mastercard to deliver business accounts with debit cards for small businesses.

Sage partners with Adyen and Mastercard to deliver business accounts with debit cards for small businesses. * Sage is developing financial services that bring business account, debit card, payment and reconciliation capabilities into the software small businesses use to manage their finances * Adyen will provide Banking-as-a-Service infrastructure and onboarding for Sage's first implementation in France * Mastercard will serve as Sage's card network partner, supporting the debit card capabilities within the service AMSTERDAM, Nov. 10, 2026 (GLOBE NEWSWIRE) - Sage (FTSE: SGE), the leader in accounting, financial, HR and payroll technology for small and mid-sized businesses (SMBs), today announced at Sage Future for Partners Amsterdam partnerships with Mastercard and Adyen, the global financial technology platform of choice for leading brands, as it develops integrated financial services for small businesses across the European markets where Sage operates. Mastercard will serve as Sage's card network partner, supporting debit card capabilities within the service, while Adyen will provide Banking-as-a-Service infrastructure and onboarding for the first implementation in France. Across Europe, small businesses are running their finances across a growing number of tools. Accounting software is now one part of a wider financial stack, and new e-invoicing and digital reporting requirements are arriving market by market. Sage is developing services that bring banking, payments and reconciliation into the software small businesses already use, starting with France and expanding across its European markets. That growing complexity is reflected in Mastercard research, which shows that European SMEs use five digital business tools on average, with 70% saying integrated tools are critical to their business. By connecting banking services with accounting workflows, Sage aims to reduce the need for businesses to move between systems, re-enter information and reconcile transactions separately. "Small businesses shouldn't have to move between separate systems to manage their finances," said Derk Bleeker, Chief Commercial Officer, Sage. "We're developing services that bring more of those everyday activities into the software they already use to run their business. This is the first implementation of our broader European Banking-as-a-Service strategy and an important step in helping customers manage more of their financial activity through Sage." Bringing financial operations into one place Small businesses often use separate systems to manage accounting records, make payments, monitor company spending and reconcile transactions. Moving between those systems can create additional administration, duplicate effort and make it harder to maintain an accurate, up-to-date view of their financial position. Research from Oliver Wyman found that 53% of SMBs surveyed across France, Germany and the Netherlands identified accounting and ERP software as their preferred platform for accessing embedded finance products, while 64% planned to use new or additional embedded finance products through their software provider within the following 12 months. Designed to complement customers' existing banking relationships, the service will bring together business account, debit card, payment and reconciliation capabilities within Sage software. When bank accounts and debit cards live inside Sage, everyday banking happens seamlessly in the background. Books update automatically as money moves, reducing the need to move between separate systems and giving businesses a real-time view of their cash position instead of yesterday's snapshot. "Small businesses are at their best when they can focus their time and energy on growing their business, not navigating fragmented financial tools," said Mark Barnett, Global Head of Small and Medium Enterprises at Mastercard. "By bringing payments and financial services directly into the Sage experience, we're helping make everyday financial management simpler and more connected. Starting in Europe, we see an opportunity to bring this more connected approach to small businesses around the world." Bringing Banking-as-a-Service to Sage customers The first implementation is planned for Sage 50, Sage 100 and Sage Active in France, with Adyen providing Banking-as-a-Service infrastructure and onboarding. Sage expects its approach and provider arrangements to vary across markets as it develops the strategy across Europe. Customers will be able to make payments, manage company spending using debit cards and keep banking activity connected with their accounting in Sage. The service is designed to complement customers' existing banking relationships rather than replace them. Bringing banking services and accounting workflows together also strengthens the proposition Sage partners can take to customers, giving small businesses more of the capabilities they need through a connected financial experience. "Financial services belong within the platforms businesses already use," said Nicole Olbe, President, EMEA at Adyen. "The future of finance is embedded. By powering Sage with Adyen's Banking-as-a-Service infrastructure, we are providing the enterprise-grade engine that makes this possible, allowing Sage to transform its software into a comprehensive financial hub where small businesses can manage accounts, payments, and reconciliation all in one place." About Sage Sage creates the confidence businesses are built on. Our finance, HR and payroll technology supports the critical work millions of small and mid-sized businesses and accountants depend on - helping them navigate complexity, reduce risk and make better decisions. As AI transforms how that work gets done, Sage provides the essential platform for the people who need to get it right, bringing together trusted technology, deep domain expertise and the connected services they rely on every day. We extend that commitment by using our time, resources and experience to help create opportunity in the communities where we live and work. About Adyen Adyen (ADYEN:AMS) is the financial technology platform of choice for leading companies. By providing end-to-end payments capabilities, data-driven insights, and financial products in a single global solution, Adyen helps businesses achieve their ambitions faster. With offices around the world, Adyen works with the likes of Meta, Uber, H&M, eBay, and Microsoft. The cooperation with Sage as described in this release underlines Adyen's continuous growth with existing and new merchants over the years. About Mastercard Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're building a resilient economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. www.mastercard.com Notes to editors Supporting Q&A * What is Sage developing with Mastercard and Adyen? Sage is developing integrated financial services that bring business account, debit card, payment and reconciliation capabilities into the software small businesses use to manage their finances. Mastercard will support the debit card capabilities as Sage's card network partner, while Adyen will provide Banking-as-a-Service infrastructure and onboarding for the first implementation in France. * How will integrated banking and accounting help small businesses? Bringing banking and accounting workflows together is designed to reduce the need for small businesses to move between separate systems, re-enter information and reconcile transactions separately. Banking activity can stay connected with accounting workflows, helping businesses maintain a more up-to-date view of their financial position. * Will businesses need to replace their existing bank account to use the service? No. The service is designed to complement customers' existing banking relationships rather than replace them. It will give customers another way to manage payments, company spending and banking activity alongside their accounting workflows in Sage. * Which Sage products will the service be available through? The first implementation is planned for Sage 50, Sage 100 and Sage Active in France, with Adyen providing the Banking-as-a-Service infrastructure and onboarding. Sage expects its approach and provider arrangements to vary across markets as it develops its strategy across Europe * Why are accounting platforms increasingly being used to access financial services? Small businesses increasingly manage their finances across multiple digital tools. Research cited in the release from Oliver Wyman found that 53% of SMBs surveyed across France, Germany and the Netherlands identified accounting and ERP software as their preferred platform for accessing embedded finance products, while 64% planned to use new or additional embedded finance products through their software provider within the following 12 months. * What will customers be able to do with Sage's planned financial services? The planned service will bring together a business account, debit cards, payments and reconciliation within Sage software. Customers will be able to make payments, manage company spending using debit cards and keep banking activity connected with their accounting workflows. * Where will Sage introduce these financial services first? The first implementation is planned for France across Sage 50, Sage 100 and Sage Active. It forms part of Sage's broader European Banking-as-a-Service strategy, with Sage developing integrated financial services across the European markets where it operates.

Associated Press
Nov 5th, 2026
Tabs partners with Adyen to embed payments in billing with Tabs Pay

Tabs, an AI operating system for revenue, has partnered with payments firm Adyen to launch Tabs Pay, an embedded payments product. Adyen is its first payments partner. Tabs Pay lets finance teams bill customers, collect cash, and reconcile payments in one platform. Many teams bill in one system and collect in another, then spend hours matching payments to invoices. Customers can pay by card or ACH from invoices sent in Tabs. Failed payments are retried automatically, and merchants can issue refunds, manage disputes, and track payouts in the same place. "Finance teams shouldn't have to switch systems to get paid," said Ali Hussain, chief executive officer of Tabs. Tabs Pay is available to new and existing customers.

The Punch
Nov 5th, 2026
Fintech firms lose $420bn as investor confidence weakens.

Fintech firms lose $420bn as investor confidence weakens. Global fintech companies recorded a combined market capitalisation decline of approximately $420bn over five years, as investors reassessed valuations amid intensifying competition and concerns about growth prospects, a new industry analysis has shown. The decline placed fintech among the four sectors with the largest combined losses in market value among the world's 1,000 biggest publicly listed companies between August 13, 2021, and September 25, 2026, according to a report by BestBrokers, a financial research firm. The analysis found that 172 of the 1,000 companies lost market value during the period, with payments companies PayPal, Block and Adyen among the biggest casualties. PayPal accounted for the largest individual decline, losing $275.57bn in market capitalisation. The American payments company's market value fell by 85.41 per cent, from $322.65bn in August 2021 to $47.08bn in September 2026, reflecting a sharp reversal from the valuation it commanded during the pandemic-era boom in digital payments. Block, the financial technology company formerly known as Square, lost $77.6bn, representing a 62.81 per cent decline, as its market capitalisation dropped to $45.9bn. Dutch payments company Adyen recorded a 61.94 per cent decline, shedding $51.15bn to reach $31.43bn. The findings highlight the pressure on fintech valuations following a period of rapid expansion in digital financial services, when increased adoption of online payments and financial technology attracted substantial investor interest. Beyond fintech, the report identified technology as the sector with the largest combined market capitalisation loss at $637.3bn. Food and beverage companies followed with $545.6bn, while fashion and apparel firms lost $472.7bn. Traditional financial institutions also faced significant valuation declines. The analysis found that 15 banks and financial services companies collectively shed $203.5bn in market value. China Merchants Bank recorded the largest absolute decline among traditional financial institutions, losing $34.8bn, or 17.48 per cent, and closing the period with a market capitalisation of $164.31bn. Ping An Bank suffered a steeper percentage decline, with its market value falling by 45.17 per cent, or $26.92bn, to $32.67bn. Australia's Macquarie Group lost $22.95bn, representing a 25.93 per cent decline, while Hong Kong Exchanges and Clearing shed $21.28bn, or 25.37 per cent, to reach $62.63bn. Other companies in the financial sector that recorded substantial declines included Bank Rakyat Indonesia, which lost $12.16bn, and British data analytics company Experian, whose market value fell by $10.44bn. Commenting on the findings, Data Researcher and Author at BestBrokers, Stanislava Savisheva, said the declines reflected changing investor expectations about the ability of financial technology companies to sustain their valuations. She said the performance of PayPal demonstrated how quickly market expectations could shift when established payments platforms faced stronger competition and questions about their growth prospects. Justice has over three years experience spanning digital and print media. At The PUNCH, he currently covers the automobile sector with special interest in features and industry analysis.

Fortune
Nov 5th, 2026
Tabs and Adyen partner to bring embedded payments into the entire revenue lifecycle.

Tabs and Adyen partner to bring embedded payments into the entire revenue lifecycle. NEW YORK, NY, November 5, 2026 (EZ Newswire) - Tabs, the AI Operating System for Revenue, today announced a partnership with Adyen, the global financial technology platform of choice for leading businesses. Adyen is the first payments partner behind Tabs Pay, Tabs' embedded payments product, which brings payment acceptance and management into the same platform where companies manage contracts, billing, collections, and revenue recognition. Most finance teams bill in one system and collect in another. Payments are processed in a separate dashboard, and finance teams spend hours matching payments to invoices, tracking refunds, and reconciling payouts. Tabs Pay removes that handoff by running payments on the same contract, invoice, and customer record as billing and revenue. "Finance teams shouldn't have to switch systems to get paid," said Ali Hussain, CEO of Tabs. "Adyen gave us the infrastructure to build a payments experience that is secure, reliable, and designed for complex billing. Together, we're helping our customers collect cash faster and spend less time on reconciliation." With Tabs Pay, customers can pay by card or ACH from the invoices merchants send in Tabs. Instant bank verification, powered by Plaid and Adyen, confirms bank accounts in seconds, and failed payments are retried automatically, with each retry linked to the original invoice. Merchants can issue refunds, manage disputes, and track payouts in Tabs, next to the invoices and customer records they belong to. "Embedded finance is transforming how modern platforms deliver value to their users," said Blake Breathitt, SVP, Co-Head of Global Strategy at Adyen. "By integrating Adyen's global financial infrastructure directly into Tabs Pay, finance teams no longer have to navigate fragmented tools to invoice, collect, and reconcile. We're excited to partner with Tabs to streamline complex billing workflows and give businesses the speed, flexibility, and security they need to scale." Adyen's platform gives Tabs the infrastructure to own the merchant experience while relying on Adyen for instant bank verification powered by Plaid, tokenization, split payments, payouts, and reporting. Adyen's hosted components also allow Tabs to deliver a seamless single-dashboard experience within the Tabs platform while keeping sensitive card data within Adyen's PCI Level 1 environment. Tabs Pay is available to new and existing Tabs customers. To learn more, visit the Tabs Pay section of the Tabs website. About Tabs Tabs is the AI Operating System for Revenue, built for modern finance and accounting teams. It combines deep revenue and accounting expertise with the agents and applications needed to run revenue work end to end. Tabs understands customer and contract context, applies accounting logic, and executes critical workflows with built-in controls, auditability, and human oversight. With Tabs, finance teams can move from manually managing revenue workflows to directing outcomes while the system executes the work. Learn more at tabs.com. About Adyen Adyen (ADYEN:AMS) is the financial technology platform of choice for leading companies. By providing end-to-end payments capabilities, data-driven insights, and financial products in a single global solution, Adyen helps businesses achieve their ambitions faster. With offices around the world, Adyen works with the likes of Meta, Uber, H&M, eBay, and Microsoft. Media Contact

MarketScreener
Nov 2nd, 2026
Adyen N: JINS selects Adyen to power Unified Commerce across 150 stores in Japan.

Adyen N: JINS selects Adyen to power Unified Commerce across 150 stores in Japan. Published on 11/01/2026 at 09:29 pm EST Adyen, the global financial technology platform of choice for leading businesses, today announced its selection by JINS HOLDINGS Inc., operator of Japan's iconic eyewear brand JINS, to power its omni-channel payment infrastructure. Following an initial launch at the flagship Kichijoji store in late September, JINS will roll out Adyen across 150 retail locations in Japan starting November 2026. Through this partnership, JINS is transforming its in-store purchasing experience by reducing checkout friction, unifying offline and online sales data, and building a scalable global payment infrastructure to support its international expansion. Pioneering Seamless Shopping: Modernizing the In-Store Experience As a leader in the Japanese eyewear market, JINS operates approximately 500 stores in Japan and a growing footprint internationally. To maintain its competitive edge and elevate customer satisfaction, JINS sought a unified payment architecture capable of supporting its digital transformation strategy across online and physical retail environments. Key pillars of the implementation include: * Unified Commerce Architecture: By consolidating online and in-store transactions onto Adyen's single platform, JINS gains a unified view of its payment data. This single customer view enables operational efficiencies, deeper shopper insights, and highly personalized customer journeys. * Faster Checkouts via Mobility: Previously, customers had to visit a central cash register following frame selection and eye examinations. Deploying Adyen's mobile payment solution paired with Tap to Pay on iPhone empowers store associates with individual iPhones, allowing them to complete consults, order selection, and payment anywhere on the sales floor. * Global Scalability: Leveraging Adyen's global payment infrastructure allows JINS to expand into new international markets where Adyen supports the relevant payment services without needing to integrate localized payment systems in each region, accelerating time-to-market while supporting consistent global operational control. "JINS is a true pioneer in the Japanese retail landscape, constantly redefining customer expectations through product and digital innovation. We are proud to partner with JINS on their digital transformation journey. By unifying their payments architecture and bringing mobile checkout directly to the sales floor with Tap to Pay on iPhone, JINS is setting a new benchmark for modern retail experiences while building a foundation for effortless global expansion," said Adam Brownstein, Country Manager for Japan at Adyen. About Adyen Adyen (AMS: ADYEN) is the financial technology platform of choice for leading companies. By providing end-to-end payment capabilities, data-driven insights, and financial products in a single global solution, Adyen helps businesses achieve their ambitions faster. With offices around the world, Adyen works with businesses such as LVMH, Meta, On, SHEIN, Uber, L'Oréal, and adidas. The collaboration with JINS highlights Adyen's ongoing growth alongside market leaders across the globe. About JINS Launched in 2001, JINS is a leading Japanese eyewear brand recognized for pioneering innovations in functional eyewear, including its lightweight 'Airframe' line and blue-light blocking 'JINS SCREEN' glasses. In 2014, JINS launched 'JINS MEME,' a wearable glass device capable of visualizing focus levels. JINS continues to drive retail innovation through AI-powered virtual try-ons, automated frame fitting, and seamless OMO (Online-Merge-Offline) experiences. Attachments * Original document * Permalink Disclaimer Adyen NV published this content on November 02, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on November 02, 2026 at 02:28 UTC. (C) Publicnow - 2026

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