Adyen Fee Calculator — See Your Exact Processing Cost
Enter the transaction amount to estimate Adyen's interchange++ processing fees and your net payout. Compare to Stripe, Braintree, and other payment platforms.
Transaction Details
You Receive
$48.89
Processing Fee
$1.11
Fee Rate
2.2%
Adyen Fees
| Processing Fee | $0.13 |
| Interchange + Scheme Fee (est.) | $0.98 |
| Total | $1.11 |
Adyen uses interchange++ pricing — you pay the actual interchange rate + scheme fee + $0.13 processing.Updated 2026-04-03
Adyen at a Glance
| Monthly Fee | $0 (minimum invoice $120/mo) |
| Payout Speed | Configurable (daily, weekly) |
| Chargeback Fee | Varies by scheme |
| Currencies | 150+ currencies |
| Buyer Protection | Varies by card network |
| Contract | Merchant agreement required |
Adyen Fee Structure
Adyen is an enterprise-grade payment platform used by companies like Uber, Spotify, and Microsoft. Unlike flat-rate processors, Adyen uses interchange++ pricing, which passes through the exact interchange fee set by the card network and adds a transparent markup on top. This model typically results in lower total costs for mid-to-high-volume businesses, but requires a $120 minimum monthly invoice. Adyen supports 250+ payment methods across 150+ currencies, making it one of the most globally capable payment platforms available.
| Fee Component | Fee |
|---|---|
| Processing fee (per transaction) | $0.13 |
| Interchange fee (passed through) | Varies by card type |
| Scheme fee (Visa/MC network fee) | Varies (~0.02-0.05%) |
| Typical total cost | ~2.1% - 2.3% |
| Minimum monthly invoice | $120/month |
| Supported payment methods | 250+ |
For a $100 transaction with a typical interchange rate of 1.8%, the total Adyen cost would be approximately $2.08 (interchange $1.80 + processing $0.13 + scheme ~$0.15). This is significantly lower than flat-rate processors, but the $120 monthly minimum means Adyen is best suited for businesses processing at least $5,000-$6,000 per month.
Adyen vs Stripe vs Braintree
Adyen's interchange++ model typically costs 2.1-2.3% total, compared to Stripe's flat 2.9% + $0.30 and Braintree's 2.59% + $0.49. For a $100 transaction, Adyen saves roughly $1.00-$1.10 versus Stripe. However, Stripe and Braintree have no monthly minimums and are easier to set up, making them better choices for startups and smaller businesses. Adyen excels at global commerce with its 250+ payment methods, unified reporting across channels, and enterprise-level fraud prevention through its RevenueProtect tool.
Frequently Asked Questions
How does Adyen pricing work?
Adyen uses interchange++ pricing. Each transaction cost has three components: the interchange fee (set by the card issuer and passed through at cost), the card scheme fee (charged by Visa/Mastercard), and Adyen's processing markup ($0.13 per transaction). This transparent model means you pay the actual cost of processing plus a fixed markup, rather than a blended flat rate.
Is Adyen cheaper than Stripe?
For most mid-to-high-volume businesses, yes. Adyen's interchange++ pricing typically results in total costs of 2.1-2.3%, compared to Stripe's flat 2.9% + $0.30. However, Adyen has a $120 minimum monthly invoice and is designed for larger businesses. Stripe has no minimums and is better for startups or businesses processing less than $5,000/month.
What is interchange++ pricing?
Interchange++ (or IC++) is a transparent pricing model that breaks down payment processing costs into three separate components: interchange (the fee paid to the card-issuing bank), scheme fees (charged by Visa, Mastercard, etc.), and the processor's markup. Unlike flat-rate pricing where all costs are bundled into one rate, interchange++ lets you see exactly what each party charges, which typically results in lower overall costs for higher-volume merchants.