Skip to content

Rank #7 of 10 in Online Payments

Adyen logo

Adyen

Enterprise

Adyen N.V. · commercial

799/yrnpm 215.5k/wk ±0npm/wk -75.4kpypi/wk -9.2k

Showcase

Adyen homepage screenshot
homepage · captured Sep 2026 · view live ↗
Adyen docs screenshot
docs · captured Sep 2026 · view live ↗

Adyen ships more than one product — each judged line competes in its own arena on the same stories as everyone else.

LineArenaRankPA Score
Online Paymentsthis pageOnline Payments#7/1038/100
In-Person PaymentsMobile & In-Person Payments#4/423/100
Adyen for PlatformsMarketplace & Platform Payments#3/623/100
OrbacquiredBilling & Subscriptions#7/718/100
IssuingCard Issuing Platforms#5/515/100

Not yet judged (3 — no arena where they compete): Risk Management · Adyen Agentic · Adyen Uplift

Verified integrations

No integration evidence found in our corpus for this product yet — that means none was found, never that it doesn’t integrate.

By theme — the product's score on each story themeBy theme

Agenticness — how well agents can access and operate the productAgenticnessevidence →

How well agents can access and operate the product

47.9/100

Automation depth — how much of the product can run unattendedAutomation depthevidence →

How much of the product can run unattended

32.4/100

Billing invoicing — stories about billing invoicing in this arenaBilling invoicingevidence →

Stories about billing invoicing in this arena

6.9/100

Checkout acceptance — stories about checkout acceptance in this arenaCheckout acceptanceevidence →

Stories about checkout acceptance in this arena

43.7/100

Compliance security — stories about compliance security in this arenaCompliance securityevidence →

Stories about compliance security in this arena

30.0/100

Dev experience — day-to-day developer experience — setup friction, docs, debugging, iteration speedDev experienceevidence →

Day-to-day developer experience — setup friction, docs, debugging, iteration speed

36.4/100

Disputes fraud — stories about disputes fraud in this arenaDisputes fraudevidence →

Stories about disputes fraud in this arena

27.5/100

Global currency tax — stories about global currency tax in this arenaGlobal currency taxevidence →

Stories about global currency tax in this arena

16.8/100

Openness — open source, data portability, and self-hosting storiesOpennessevidence →

Open source, data portability, and self-hosting stories

13.7/100

Payouts reconciliation — stories about payouts reconciliation in this arenaPayouts reconciliationevidence →

Stories about payouts reconciliation in this arena

15.7/100

Platform marketplace — stories about platform marketplace in this arenaPlatform marketplaceevidence →

Stories about platform marketplace in this arena

80.0/100

Privacy posture — data-handling and privacy storiesPrivacy postureevidence →

Data-handling and privacy stories

0.0/100

Story verdicts — every judged story with its evidenceStory verdicts

What’s free: 0 free · 6 paid · 0 enterprise · 24 not stated in evidence

?

Sorted by importance (agentic first) (high → low) · 54/54 stories · click a row’s chevron for the rationale and evidence

Drive the product through a documented public API G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness3full9/10T

Connect an agent via an official MCP server G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness3full8/10T

Delegate tasks to a built-in AI assistant inside the product G

Agentic features

ai-native userAgenticness — how well agents can access and operate the productAgenticness3none0/10

Plug MCP servers into this product so it can use their tools G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness3n/a0/10

Point an agent at llms.txt or agent-oriented docs G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness2full10/10T

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

Api quality

ai-native userAgenticness — how well agents can access and operate the productAgenticness2full8/10T

Issue scoped/least-privilege API credentials for an agent G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness2full8/10C

Subscribe to events via webhooks G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness2full8/10C

Operate the product with natural-language commands G

Agentic features

ai-native userAgenticness — how well agents can access and operate the productAgenticness2partial7/10T

Build against official SDKs G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness2partial6/10T

Get AI-generated insights and suggestions from my data inside the product G

Agentic features

ai-native userAgenticness — how well agents can access and operate the productAgenticness2partial6/10C

Run the product headlessly / in CI for automation G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness2partial6/10C

Set up automations that run autonomously in the background G

Agentic features

ai-native userAgenticness — how well agents can access and operate the productAgenticness2partial5/10C

Explore an interactive API reference with runnable examples G

Api quality

ai-native userAgenticness — how well agents can access and operate the productAgenticness2none0/10

Rely on versioned APIs with a documented deprecation policy G

Api quality

ai-native userAgenticness — how well agents can access and operate the productAgenticness2noneuntestednone yet

Use an official CLI G

Agent access

ai-native userAgenticness — how well agents can access and operate the productAgenticness2noneuntestednone yet

Test against a sandbox environment without touching production data G

Api quality

ai-native userAgenticness — how well agents can access and operate the productAgenticness1full8/10C

Embed customizable payment components directly in my own site or app instead of redirecting to a hosted page C

Checkout surfaces

developerCheckout acceptance — stories about checkout acceptance in this arenaCheckout acceptance3fullpaid8/10X

Screen transactions with machine-learning fraud scores and write custom block, review, and allow rules C

Fraud prevention

finance-ops userDisputes fraud — stories about disputes fraud in this arenaDisputes fraud3full8/10C

Build and test the entire payment flow in a sandbox or test mode that mirrors production, with test cards for every scenario including declines and disputes C

Sandbox fidelity

developerDev experience — day-to-day developer experience — setup friction, docs, debugging, iteration speedDev experience3partial6/10X

Redirect customers to a vendor-hosted, conversion-optimized checkout page without building my own payment UI C

Checkout surfaces

developerCheckout acceptance — stories about checkout acceptance in this arenaCheckout acceptance3partialpaid6/10C

Define rules that trigger actions automatically on events G

ai-native userAutomation depth — how much of the product can run unattendedAutomation depth3partial5/10C

Have an agent monitor failed payments via API and webhooks and drive retries and dunning outreach G

Ai billing ops

ai-native userBilling invoicing — stories about billing invoicing in this arenaBilling invoicing3partial5/10C

Issue full or partial refunds from both the dashboard and the API C

Refunds

finance-ops userDisputes fraud — stories about disputes fraud in this arenaDisputes fraud3partialpaid5/10C

Accept an online card payment within a day of signing up C

Card acceptance

founderCheckout acceptance — stories about checkout acceptance in this arenaCheckout acceptance3disputed4/10D

Rely on signed webhook deliveries with automatic retries, event logs, and replay to keep my system consistent with payment state G

Integration reliability

developerDev experience — day-to-day developer experience — setup friction, docs, debugging, iteration speedDev experience3partial4/10C

Reconcile settlements to bank deposits with itemized reports covering fees, refunds, and chargebacks C

Reconciliation

finance-ops userPayouts reconciliation — stories about payouts reconciliation in this arenaPayouts reconciliation3partial3/10C

Export all of my data in open formats and leave G

ai-native userOpenness — open source, data portability, and self-hosting storiesOpenness3none0/10

Have an agent handle a dispute end-to-end, retrieving it, assembling evidence, and submitting the response via the API C

Ai disputes

ai-native userDisputes fraud — stories about disputes fraud in this arenaDisputes fraud3none0/10

Have an agent provision a new product, price, and payment link via the API in a single session G

Ai billing ops

ai-native userBilling invoicing — stories about billing invoicing in this arenaBilling invoicing3none0/10

Have an agent pull payout and balance-transaction data via the API and reconcile each bank deposit to its underlying charges C

Ai reconciliation

ai-native userPayouts reconciliation — stories about payouts reconciliation in this arenaPayouts reconciliation3none0/10

Calculate and collect the correct sales tax, VAT, or GST on every transaction automatically C

Tax

finance-ops userGlobal currency tax — stories about global currency tax in this arenaGlobal currency tax3noneuntestednone yet

Prevent my data from being used to train AI models G

ai-native userPrivacy posture — data-handling and privacy storiesPrivacy posture3n/auntestednone yet

Respond to a chargeback with structured evidence and track the dispute lifecycle to resolution C

Disputes

finance-ops userDisputes fraud — stories about disputes fraud in this arenaDisputes fraud3noneuntestednone yet

Self-host the core product G

ai-native userOpenness — open source, data portability, and self-hosting storiesOpenness3n/auntestednone yet

Set up recurring subscription billing with plans, trials, upgrades, and proration G

Subscriptions

developerBilling invoicing — stories about billing invoicing in this arenaBilling invoicing3noneuntestednone yet

Build a marketplace or platform that onboards sellers, splits payments between parties, and pays out to each seller C

Marketplace

developerPlatform marketplace — stories about platform marketplace in this arenaPlatform marketplace2fullpaid8/10C

Offer digital wallets and local payment methods (Apple Pay, Google Pay, bank redirects, BNPL) from the same integration C

Payment methods

founderCheckout acceptance — stories about checkout acceptance in this arenaCheckout acceptance2fullpaid8/10X

Safely retry any API request using idempotency keys so network failures never create duplicate charges C

Integration reliability

developerDev experience — day-to-day developer experience — setup friction, docs, debugging, iteration speedDev experience2full8/10C

Charge customers in their local currencies and settle to my bank in mine with transparent FX handling C

Multi currency

founderGlobal currency tax — stories about global currency tax in this arenaGlobal currency tax2partialpaid7/10C

Control the payout schedule and see exactly which charges, fees, and refunds make up each payout C

Payouts

finance-ops userPayouts reconciliation — stories about payouts reconciliation in this arenaPayouts reconciliation2partial6/10C

Perform bulk operations across many items at once G

ai-native userAutomation depth — how much of the product can run unattendedAutomation depth2partial6/10C

Do everything through the API that I can do in the UI G

ai-native userOpenness — open source, data portability, and self-hosting storiesOpenness2partial5/10T

Keep my systems out of most of PCI DSS scope because card data is tokenized and never touches my servers C

Pci compliance

developerCompliance security — stories about compliance security in this arenaCompliance security2partial5/10C

Create a shareable payment link from the dashboard with no code and start selling immediately C

No code selling

founderCheckout acceptance — stories about checkout acceptance in this arenaCheckout acceptance2disputed4/10D

Integrate a working payment flow from the docs alone in under a day, with copy-paste examples in my language C

Onboarding dx

developerDev experience — day-to-day developer experience — setup friction, docs, debugging, iteration speedDev experience2disputed4/10D

Read the product's source under an open license G

ai-native userOpenness — open source, data portability, and self-hosting storiesOpenness2partial3/10C

Send hosted invoices with online payment and automatic reminders C

Invoicing

finance-ops userBilling invoicing — stories about billing invoicing in this arenaBilling invoicing2none0/10

Automatically retry failed subscription payments with smart dunning and recovery emails C

Subscriptions

finance-ops userBilling invoicing — stories about billing invoicing in this arenaBilling invoicing2noneuntestednone yet

Choose where my data is stored (region/residency) G

ai-native userPrivacy posture — data-handling and privacy storiesPrivacy posture2noneuntestednone yet

Control data retention and deletion G

ai-native userPrivacy posture — data-handling and privacy storiesPrivacy posture2noneuntestednone yet

Opt out of telemetry and usage tracking G

ai-native userPrivacy posture — data-handling and privacy storiesPrivacy posture2noneuntestednone yet

Schedule recurring jobs or workflows G

ai-native userAutomation depth — how much of the product can run unattendedAutomation depth2n/auntestednone yet

Version, review, and roll back my automations G

ai-native userAutomation depth — how much of the product can run unattendedAutomation depth1n/auntestednone yet

Opportunities — the stories that would move this product's scores, from its own judged verdictsOpportunitiestop 8 of 34 stories with headroom

What would move Adyen’s scores — derived from its own judged verdicts, biggest headroom first. Each line quotes what the judge found missing; shipping it (or evidencing it publicly) is the fix.

  1. Agenticness — how well agents can access and operate the productDelegate tasks to a built-in AI assistant inside the product

    nonemoves Built-in AIimpact 45

    Adyen documents an MCP server (for external LLM clients to call Adyen's APIs) and 'Uplift' (automated AI-driven payment optimization), but no evidence of a built-in AI assistant/copilot inside the Adyen product itself that a user can converse with or delegate tasks to interactively.

  2. Disputes fraud — stories about disputes fraud in this arenaHave an agent handle a dispute end-to-end, retrieving it, assembling evidence, and submitting the response via the API

    nonemoves PA Scoreimpact 30

    The evidence pack contains no mention of a Disputes API, chargeback evidence submission, or any agent/MCP workflow for handling disputes end-to-end—only risk/fraud detection (Protect), refusal reasons, and unrelated agentic-commerce checkout flows are documented.

  3. Billing invoicing — stories about billing invoicing in this arenaHave an agent provision a new product, price, and payment link via the API in a single session

    nonemoves PA Scoreimpact 30

    Missing: evidence of a Products/Prices API or equivalent billing object model, evidence of a single-session workflow that creates a product+price+payment link together, any documentation of provisioning billing entities (not just payment links) via API or MCP.

  4. Payouts reconciliation — stories about payouts reconciliation in this arenaHave an agent pull payout and balance-transaction data via the API and reconcile each bank deposit to its underlying charges

    nonemoves PA Scoreimpact 30

    Missing: documented Balance/Transaction API endpoints, evidence of agent/MCP access to payout reconciliation data, and any reconciliation workflow example.

  5. Global currency tax — stories about global currency tax in this arenaCalculate and collect the correct sales tax, VAT, or GST on every transaction automatically

    nonemoves PA Scoreimpact 30

    Adyen's evidence pack is entirely about payment processing, payouts, platforms, risk management, and agentic-commerce integrations — nothing addresses tax calculation, VAT/GST determination, tax collection, or tax compliance/remittance features.

  6. Openness — open source, data portability, and self-hosting storiesExport all of my data in open formats and leave

    nonemoves PA Scoreimpact 30

    The evidence pack shows reporting dashboards and general documentation transparency (llms.txt, markdown docs, OpenAPI specs) but nothing about a merchant being able to export their own transactional/account data in open formats or close their account and leave without lock-in.

  7. Billing invoicing — stories about billing invoicing in this arenaSet up recurring subscription billing with plans, trials, upgrades, and proration

    nonemoves PA Scoreimpact 30

    Adyen's evidence pack covers payments, payouts, platforms, risk, reporting, and agentic commerce, but there is no mention of subscription/recurring billing constructs like plans, trial periods, upgrades/downgrades, or proration—these are the domain of a billing/subscription-management layer (e.g.

  8. Disputes fraud — stories about disputes fraud in this arenaRespond to a chargeback with structured evidence and track the dispute lifecycle to resolution

    nonemoves PA Scoreimpact 30

    The evidence pack covers Adyen's risk/fraud tooling (Protect, rule builder, ML fraud detection) but contains no documentation of a chargeback/dispute management API, structured evidence submission, or dispute lifecycle tracking/status workflow.

Showing the top 8 of 34 — every none/partial verdict in the story verdicts table is headroom.

Think a verdict is wrong? Every verdicts-table row has a Flag link — see the methodology.

Coverage map — which docs area, API section, or community source covers which judged storiesCoverage map11 surfaces · 33 covered stories

Where the cited evidence behind each covered verdict came from — the same citations the verdicts table shows, no extra judging.

Development resources docs25 stories

Claims vs evidence — vendor claims reconciled against independent verdictsClaims vs evidence

4 of 11 testable claims verified · 1 contradictedintegrity 18/100

22 distinct capability claims found in Adyen’s own claimed-docs/GitHub materials, reconciled against our judge’s independent verdicts.

4

Verified

6

Unverified

1

Contradicted

20

Undersold

Verified (7)
Unverified (9)
Contradicted (1)
Undersold (20)
Claims outside our story set (5)

Real capability claims found in Adyen’s own materials, but no story in this arena’s taxonomy covers them yet — that’s feedback on the taxonomy, not a mark against the product.

  • Failed payment/modification responses include resultCode, refusalReason, and refusalReasonCode to explain the issue

    source ↗
  • Instant payouts to cards with immediate result of the payout attempt

    source ↗
  • Dashboard gives a visual representation of balances, sales, and payouts

    source ↗
  • Customer Area dashboard manages account and transactions with an overview of all payment channels

    source ↗
  • Pay-per-transaction pricing with no setup or monthly fees

    source ↗
Suggest a story for these →

Pricing signals

  • 0.6% + $0.13per transactionpay-as-you-goVisa card payments: fixed fee + Interchange++ markup (interchange itself variable/not included)source ↗as of 2026-09-07
  • 3.95% + $0.13per transactionpay-as-you-goAmerican Express, Global pricingsource ↗as of 2026-09-07
  • $0.13per transactionpay-as-you-goACH Direct Debit: fixed processing fee ($0.13) plus flat $0.27 payment-method feesource ↗as of 2026-09-07

Extracted verbatim from the vendor’s own pricing page — hover a figure for the exact quote.

Business model

usage-basedenterprise-custom

Interchange++ pricing per transaction (a fixed processing fee plus a payment-method fee) with no setup or monthly fees; invoiced pricing with volume minimums for enterprise contracts.

pricing ↗

Score trend

How this product’s scores have moved as evidence and verdicts are re-derived — a point per change, not per day.

PA Score21 (Sep 4 '26)38 (Sep 15 '26)
Agent-ready47 (Sep 4 '26)65 (Sep 15 '26)

Flag

⚑ Flag a verdict

Think a verdict is wrong? Opens a prefilled GitHub issue — or use the ⚑ next to any verdict above.

Badge

Embed this product's score badge →

Hotlinked SVG — always shows the live current score.

For agents

Data

Agent surface uptime llms.txt 100% (30d, checked every 6h since Sep 8 '26)