Implementation Manager

AI chatbots handling consumer shopping are pushing merchants to strengthen direct customer relationships, payments firm Adyen said on Thursday. AI-driven shopping assistants could recommend products, choose merchants and initiate payments independently, potentially eroding retailers' direct connections with customers. Adyen co-CEO Pieter van der Does said one merchant generated 70% of its volume through direct channels and wanted to maintain that share as shoppers increasingly use chatbots. "Loyalty becomes way more important," he stated. Adyen, which processes payments for Hermès and Hugo Boss, has launched a platform for enterprise merchants and AI-agent payments. The company recently acquired loyalty software firm Talon.One and billing provider Orb to strengthen retention-focused services. JPMorgan analysts noted Adyen's signing of OpenAI as a positive development.

Adyen surpasses expectations with strong financial results. On Thursday morning, Adyen reported financial results that exceeded market expectations, prompting speculation about a favorable response in its share price. The company's revenue reached €682 million, slightly above consensus estimates, while payment volumes also showed a notable increase, driven by growth in Digital and Platforms. What does Adyen do? Adyen is a payment processing company that helps businesses accept payments from customers in various ways, such as credit cards, online payments, and mobile wallets. It makes money by charging fees for each transaction processed through its platform, allowing businesses to manage payments easily and securely across different sales channels. Financial performance highlights. Adyen's recent financial disclosures revealed a revenue figure of €682 million, which was 1% higher than market predictions. Payment volumes surpassed expectations by 3%, indicating robust growth in sectors such as Digital and Platforms. Although the company's take rate was slightly below forecast at 16.2 basis points, compared to the expected 16.4 basis points, analysts noted that there were no signs of competitive pressure affecting these figures. The EBITDA for the first half of the year fell 1% short of expectations, attributed mainly to costs related to acquisitions. Discover more Digital Currencies Market outlook and investment recommendations. Following the positive financial results, one investment bank has maintained a buy rating on Adyen, setting a target price of €1,166. The stock closed at €910 on Wednesday, suggesting potential upside for investors. With 90% of surveyed investors indicating a preference to buy, there is a strong sentiment surrounding Adyen's future performance. This presents an intriguing opportunity for those looking to invest in a company showing resilience and growth in the competitive payment processing sector. Price Comparisons In conclusion, Adyen's ability to exceed revenue expectations while maintaining solid payment volumes positions it well for future growth. Investors may find this an opportune moment to consider adding Adyen to their portfolios, given the favorable outlook and potential for share price appreciation.

Agentic APIs enable AI agent checkouts. Agentic commerce creates new checkout channels. Agentic commerce is designed to let AI agents discover products, build baskets and initiate e-commerce payments on a customer's behalf. For merchants, this could create checkout opportunities beyond their websites and apps, provided the relevant platforms, protocols and payment arrangements are supported. The immediate challenge is integration. Connecting each AI platform separately could duplicate catalogue, checkout and payment work, increasing implementation effort and slowing deployment. Adyen Agentic seeks to address this through a modular API layer for eligible enterprise merchants. How Adyen Agentic connects commerce systems. Adyen announced Adyen Agentic on 16 June 2026 as a modular suite of APIs, initially available to US enterprise merchants. It is intended to provide one integration point across supported AI agent platforms and protocols. The suite has three layers: * Agentic Feed distributes real-time catalogue, pricing and availability data. * Agentic Cart connects agents with the merchant's checkout, tax, fulfilment and order-management systems. * Agentic Payments covers authentication, token portability and risk controls while supporting the merchant's continued merchant-of-record role. According to the official Adyen announcement, the design uses existing enterprise infrastructure for tokenisation, authentication and fraud tools. The release also says merchants retain control of customer relationships, payment choices and business logic. Any routing flexibility remains subject to eligible traffic and approved, contracted and technically enabled acquiring relationships. Adyen named American Express, Mastercard, Salesforce and Visa as early partners, alongside enterprise retailers including ESW, Scheels, Sézane and SharkNinja. For the initial release, Adyen said the suite was compatible with Meta's AI checkout and protocols including Universal Commerce Protocol, Agent Payments Protocol and OpenAI's Agentic Commerce Protocol. Commercial value depends on adoption. For merchants included in the initial availability, a common API layer could reduce some platform-by-platform integration work. It may also allow products and payment flows to appear within supported conversational AI environments without rebuilding the underlying checkout for every channel. Commercial outcomes remain conditional. Consumer use of agentic shopping, platform participation, protocol maturity and merchant readiness will all influence adoption. The available information does not establish any independent or quantified improvement in conversion, revenue or approval rates. "Merchants must retain control of risk and customer data when agents initiate payments." - Tim Thompson, CEO of NOIRE Access was limited to US enterprise merchants at the time of the announcement. Global expansion was planned, but no timetable was given. Independent reporting by Digital Transactions also describes the modular components and limited US availability. Integration priorities for merchants and PSPs. The modular API approach is intended to connect with existing checkout and order systems rather than replace them. Merchants should still assess whether their product, pricing and availability data is sufficiently structured and current for agent-led discovery and basket creation. Agent-initiated transactions also affect how authentication, tokens and risk signals enter the checkout. Merchants and their PSPs should confirm how these controls are configured and how agent activity is recorded. Settlement, reconciliation, refunds and disputes should be mapped to the merchant's existing contractual and operational arrangements. When speaking with an acquirer-agnostic PSP or payment gateway such as NOIRE, merchants can examine how agentic flows would fit alongside current routing, reporting and reconciliation processes. Eligibility, technical enablement and contractual restrictions should be confirmed before implementation begins. Useful questions for a payment provider include: * Is the merchant eligible, and which agent protocols does the payment stack support? * How are payment tokens transferred and authenticated during an agent session? * Which fraud signals and controls apply to agent-initiated online payments? * How will settlement, reconciliation, refunds and disputes be recorded? * If routing options are proposed, which acquiring relationships are already approved, contracted and technically enabled? A practical merchant readiness plan. Merchants should begin by confirming eligibility and identifying where agent-led checkout could add a relevant customer channel. The next step is to review catalogue data, checkout flexibility and connections with tax, fulfilment and order-management systems. Payment teams should also document responsibility for customer data, authentication, risk controls and post-transaction processes. Treating agentic commerce as an incremental channel, rather than a wholesale replacement for existing e-commerce payments, can keep implementation proportionate while platforms and protocols continue to develop. Frequently asked questions. What is Adyen Agentic? It is a modular API suite that connects merchant catalogue, cart and payment functions with supported AI agent platforms and protocols. Which merchants are included in the initial availability? The announcement described limited availability for US enterprise merchants. Global expansion was planned, but no timetable was provided. Does the suite replace existing checkout systems? No. Agentic Cart is designed to connect with existing checkout, tax, fulfilment and order-management systems. How are fraud and risk handled for agent payments? Agentic Payments is described as using authentication, token controls and Adyen's existing fraud tools. Exact configurations and responsibilities depend on the merchant's arrangements. Will agentic commerce automatically increase conversion? No. Any improvement depends on factors including customer adoption, platform support, protocol maturity and the merchant's technical readiness. What should merchants ask their PSP? Ask about eligibility, protocol support, token handling, fraud controls, contractual limits and the treatment of settlement, refunds and disputes. Position your business at the very forefront of e-commerce growth by visiting noire.com today to explore how its acquirer-agnostic payment platform can power your success today and well into the future. To find out more about its solutions and the benefits they could unlock for merchants, please get in touch today.