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How Adyen Issuing’s scores are calculated

The full audit trail, recomputed from the verdict data at build time through the same code that produced the leaderboard: verdict × quality × story weight per cell, cells sum to dimension scores, dimensions blend into the PA Score. Every number on the product page is reproducible from this page alone; for why the formula looks like this, see the methodology.

verdict factors: full ×1.0 · partial ×0.6 · disputed ×0.3 · none ×0.0 · n/a excluded from both sides · cell points = weight × quality × factor · cell max = weight × 10

PA Score15/100

Agent-ready 21.6 × 0.30 = 6.48

API quality 3.4 × 0.20 = 0.68

Openness 14.4 × 0.20 = 2.88

Built-in AI 10.0 × 0.15 = 1.50

Automation 21.6 × 0.15 = 3.24

(6.48 + 0.68 + 2.88 + 1.50 + 3.24) ÷ (0.30 + 0.20 + 0.20 + 0.15 + 0.15) = 14.78 ÷ 1.00 = 14.8

Scores are stored to 1 decimal; the product page’s pills round to whole numbers for display. Each dimension below shows the stories, verdicts, and cited evidence behind its number.

Agent-ready21.6/100×0.30 of the PA blend

Outside-in: can YOUR agent reach and drive this product — API, MCP, CLI, headless runs, agent docs.

Point an agent at llms.txt or agent-oriented docsweight 2

2 (weight) × 8 (quality) × 1.0 (full) = 16.0 of 20 max

  • [probe] https://docs.adyen.com/llms.txtPROBE llms.txt: HTTP 200 at https://docs.adyen.com/llms.txt # Adyen Docs > Developer and merchant documentation for Adyen payments, Adyen for Platforms, Issuing, point-of-sale, an
  • [claimed-docs] https://docs.adyen.com/issuing/authorisation/relayed-authorisation.mdWith each relayed authorisation webhook we send, you have up to 2000 milliseconds to reply with an approval or a refusal.
  • [claimed-docs] https://docs.adyen.com/issuing/raise-disputes.mdProvide a UI for your cardholders to ask for their money back and to report fraudulent transactions and lost cards using the Raise disputes API
  • [probe] https://docs.adyen.com/issuing/.mdPROBE docs-md: HTTP 404 at https://docs.adyen.com/issuing/.md
  • [probe] https://docs.adyen.com/openapi.jsonPROBE openapi: all candidate paths 404 (https://docs.adyen.com/openapi.json, https://docs.adyen.com/swagger.json, https://docs.adyen.com/api/openapi.json, https://docs.adyen.com/.well-known/openapi.json)

Run the product headlessly / in CI for automationweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

  • [claimed-docs] https://docs.adyen.com/issuing/Receive authorization requests on your own servers so you can approve or decline any authorization.
  • [claimed-docs] https://docs.adyen.com/issuing/Create transaction rules to automatically approve or decline authorizations.
  • [claimed-docs] https://docs.adyen.com/issuing/authorisation/relayed-authorisation.mdWith each relayed authorisation webhook we send, you have up to 2000 milliseconds to reply with an approval or a refusal.
  • [claimed-docs] https://docs.adyen.com/issuing/manage-cards.mdTo update the balance account ID, make a /paymentInstruments/{id} request and send the new balanceAccountId.
  • [claimed-docs] https://docs.adyen.com/issuing/test-verification-errors.mdTo test your error handling flow, you can force a scenario where one or more verification checks fail.
  • [probe] https://docs.adyen.com/openapi.jsonPROBE openapi: all candidate paths 404 (https://docs.adyen.com/openapi.json, https://docs.adyen.com/swagger.json, https://docs.adyen.com/api/openapi.json, https://docs.adyen.com/.well-known/openapi.json)

Plug MCP servers into this product so it can use their toolsweight 3

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Connect an agent via an official MCP serverweight 3

3 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 30 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Use an official CLIweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Drive the product through a documented public APIweight 3

3 (weight) × 6 (quality) × 0.6 (partial) = 10.8 of 30 max

  • [claimed-docs] https://docs.adyen.com/issuing/Receive authorization requests on your own servers so you can approve or decline any authorization.
  • [claimed-docs] https://docs.adyen.com/issuing/raise-disputes.mdProvide a UI for your cardholders to ask for their money back and to report fraudulent transactions and lost cards using the Raise disputes API
  • [claimed-docs] https://docs.adyen.com/issuing/manage-cards.mdTo update the balance account ID, make a /paymentInstruments/{id} request and send the new balanceAccountId.
  • [claimed-docs] https://docs.adyen.com/issuing.mdA 1-N relationship with one accountHolder with multiple balanceAccounts and paymentInstruments.
  • [probe] https://docs.adyen.com/llms.txtPROBE llms.txt: HTTP 200 at https://docs.adyen.com/llms.txt # Adyen Docs > Developer and merchant documentation for Adyen payments, Adyen for Platforms, Issuing, point-of-sale, an
  • [probe] https://docs.adyen.com/openapi.jsonPROBE openapi: all candidate paths 404 (https://docs.adyen.com/openapi.json, https://docs.adyen.com/swagger.json, https://docs.adyen.com/api/openapi.json, https://docs.adyen.com/.well-known/openapi.json)

Issue scoped/least-privilege API credentials for an agentweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Build against official SDKsweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

  • [probe] https://docs.adyen.com/openapi.jsonPROBE openapi: all candidate paths 404 (https://docs.adyen.com/openapi.json, https://docs.adyen.com/swagger.json, https://docs.adyen.com/api/openapi.json, https://docs.adyen.com/.well-known/openapi.json)

Subscribe to events via webhooksweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

  • [claimed-docs] https://docs.adyen.com/issuing/authorisation/relayed-authorisation.mdWith each relayed authorisation webhook we send, you have up to 2000 milliseconds to reply with an approval or a refusal.
  • [claimed-docs] https://docs.adyen.com/issuing/authorisation/relayed-authorisation.mdTo configure relayed authorisation webhooks: 1. Log in to your Customer Area. 2. Go to Financial products > Relayed authorisation.
  • [claimed-docs] https://docs.adyen.com/issuing/Receive authorization requests on your own servers so you can approve or decline any authorization.

Agent-ready = 38.8 ÷ 180 × 100 = 21.6

API quality3.4/100×0.20 of the PA blend

The programmable surface once an agent is there — machine-readable spec, interactive docs, sandbox, versioning discipline.

Explore an interactive API reference with runnable examplesweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

  • [probe] https://docs.adyen.com/openapi.jsonPROBE openapi: all candidate paths 404 (https://docs.adyen.com/openapi.json, https://docs.adyen.com/swagger.json, https://docs.adyen.com/api/openapi.json, https://docs.adyen.com/.well-known/openapi.json)
  • [probe] https://docs.adyen.com/issuing/.mdPROBE docs-md: HTTP 404 at https://docs.adyen.com/issuing/.md

Download a machine-readable API spec (OpenAPI or equivalent)weight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

  • [probe] https://docs.adyen.com/openapi.jsonPROBE openapi: all candidate paths 404 (https://docs.adyen.com/openapi.json, https://docs.adyen.com/swagger.json, https://docs.adyen.com/api/openapi.json, https://docs.adyen.com/.well-known/openapi.json)
  • [probe] https://docs.adyen.com/issuing/.mdPROBE docs-md: HTTP 404 at https://docs.adyen.com/issuing/.md

Test against a sandbox environment without touching production dataweight 1

1 (weight) × 4 (quality) × 0.6 (partial) = 2.4 of 10 max

  • [claimed-docs] https://docs.adyen.com/issuing/test-verification-errors.mdTo test your error handling flow, you can force a scenario where one or more verification checks fail.

Rely on versioned APIs with a documented deprecation policyweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

  • [probe] https://docs.adyen.com/openapi.jsonPROBE openapi: all candidate paths 404 (https://docs.adyen.com/openapi.json, https://docs.adyen.com/swagger.json, https://docs.adyen.com/api/openapi.json, https://docs.adyen.com/.well-known/openapi.json)

API quality = 2.4 ÷ 70 × 100 = 3.4

Openness14.4/100×0.20 of the PA blend

Can you leave, inspect, or self-host — data export, open source, portability.

Do everything through the API that I can do in the UIweight 2

2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max

  • [claimed-docs] https://docs.adyen.com/issuing/raise-disputes.mdProvide a UI for your cardholders to ask for their money back and to report fraudulent transactions and lost cards using the Raise disputes API
  • [claimed-docs] https://docs.adyen.com/issuing/raise-disputes.mdPackage dispute details and supporting information into a zip file and upload them through the Customer Area (pilot feature).
  • [claimed-docs] https://docs.adyen.com/issuing/manage-cards.mdViewing card payments in the Customer Area
  • [claimed-docs] https://docs.adyen.com/issuing/authorisation/relayed-authorisation.mdTo configure relayed authorisation webhooks: 1. Log in to your Customer Area. 2. Go to Financial products > Relayed authorisation.
  • [probe] https://docs.adyen.com/openapi.jsonPROBE openapi: all candidate paths 404 (https://docs.adyen.com/openapi.json, https://docs.adyen.com/swagger.json, https://docs.adyen.com/api/openapi.json, https://docs.adyen.com/.well-known/openapi.json)

Export all of my data in open formats and leaveweight 3

3 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 30 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Read the product's source under an open licenseweight 2

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Self-host the core productweight 3

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Openness = 7.2 ÷ 50 × 100 = 14.4

Built-in AI10.0/100×0.15 of the PA blend

Inside-out: how agentic the product itself is for its users — built-in assistants, autonomous features.

Get AI-generated insights and suggestions from my data inside the productweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Set up automations that run autonomously in the backgroundweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

  • [claimed-docs] https://docs.adyen.com/issuing/Create transaction rules to automatically approve or decline authorizations.
  • [claimed-docs] https://docs.adyen.com/issuing/authorisation/relayed-authorisation.mdWith each relayed authorisation webhook we send, you have up to 2000 milliseconds to reply with an approval or a refusal.
  • [claimed-docs] https://docs.adyen.com/issuing/Receive authorization requests on your own servers so you can approve or decline any authorization.

Delegate tasks to a built-in AI assistant inside the productweight 3

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Operate the product with natural-language commandsweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Built-in AI = 6.0 ÷ 60 × 100 = 10.0

Automation21.6/100×0.15 of the PA blend

Depth of automation primitives — rules, scheduling, bulk operations, webhooks.

Perform bulk operations across many items at onceweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Define rules that trigger actions automatically on eventsweight 3

3 (weight) × 6 (quality) × 0.6 (partial) = 10.8 of 30 max

  • [claimed-docs] https://docs.adyen.com/issuing/Create transaction rules to automatically approve or decline authorizations.
  • [claimed-docs] https://docs.adyen.com/issuing/authorisation/relayed-authorisation.mdWith each relayed authorisation webhook we send, you have up to 2000 milliseconds to reply with an approval or a refusal.
  • [claimed-docs] https://docs.adyen.com/issuing/authorisation/relayed-authorisation.mdTo configure relayed authorisation webhooks: 1. Log in to your Customer Area. 2. Go to Financial products > Relayed authorisation.
  • [claimed-docs] https://docs.adyen.com/issuing/Receive authorization requests on your own servers so you can approve or decline any authorization.

Schedule recurring jobs or workflowsweight 2

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Version, review, and roll back my automationsweight 1

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Automation = 10.8 ÷ 50 × 100 = 21.6