AI built into the payment rails: a single platform and in-house data feed Uplift's optimisation models and the Dynamic Identification trust layer, which Adyen now extends outward to AI shopping agents through Adyen Agentic.
How is Adyen using AI?
Adyen's flagship AI product is Adyen Uplift, an AI payment-optimisation suite launched in January 2025 and trained on its own global transaction data. Adyen says 6,500+ businesses used Uplift in 2025, averaging 1.19% higher conversion than industry baselines, 9.4% lower payment costs on eligible traffic and 42% fewer false positives. Uplift runs on Dynamic Identification, a behavioural trust layer, and Adyen Agentic, launched in June 2026, extends the platform to checkout by AI shopping agents.
Category
Payments
Founded
2006
Headquarters
Amsterdam, Netherlands
Licence and supervision
Adyen N.V. is a credit institution licensed by De Nederlandsche Bank (DNB), passported across the EEA; UK branch authorised by the PRA and FCA (September 2023); San Francisco federal branch licensed by the OCC and the Federal Reserve (2021); Adyen MEA holds a UAE Retail Payment Services Licence from the Central Bank of the UAE.
Scale
Processed volume of €803.8 billion and net revenue of €1,302.9 million in H1 2026 (half year to June 30, 2026)
Flagship platform
Adyen Uplift
AI leadership
Pieter van der Does · Ingo Uytdehaage · Tom Adams · Gayathri Rajan · Karan Katyal
- Adyen Uplift launched on January 9, 2025 after a pilot with 60 enterprises; pilot customers saw payment conversion rise by up to 6%, cut their manual risk rules by 86% on average, and U.S. pilot customers cut payment costs by up to 5%.
- In its first year, Adyen says Uplift helped 6,500+ businesses average 1.19% higher conversion than industry baselines, lowered payment costs by 9.4% on eligible traffic and reduced false positives by 42% on average; Personalize, a checkout-personalisation module, launched on February 11, 2026.
- Dynamic Identification, introduced in November 2025, is a behavioural trust model built from trillions of interactions across Adyen's platform; it feeds Uplift, onboarding, policy-abuse detection and, Adyen says, AI Investigator Agents for compliance reviews.
- Adyen Agentic, announced June 16, 2026, is a suite of APIs (Agentic Feed, Agentic Cart, Agentic Payments) that lets merchants sell through conversational AI platforms with one integration; it launched in limited availability for US enterprise merchants, with American Express, Mastercard, Salesforce and Visa as strategic partners.
- H1 2026: net revenue €1,302.9 million (up 19%), processed volume €803.8 billion (up 24%); Uplift and Dynamic Identification raised customer conversion by 0.9 percentage points on average by the end of H1, and Adyen won OpenAI as an enterprise customer.
- In engineering, Adyen says AI adoption is effectively 100%: its ~1,400 developers consume about 1 trillion tokens a year across multiple model providers, AI co-authored 20 thousand git commits in 90 days, and merge requests per developer are up 48%.
- Leadership changed in 2026: CFO Ethan Tandowsky left on August 31, Hwa Tsao became interim CFO, Gayathri Rajan was named Chief Product Officer on July 1, and on September 22 Adyen nominated Klarna CFO Niclas Neglen as CFO from February 1, 2027.
What is Adyen Uplift?
Adyen Uplift is an AI-powered payment-optimisation suite launched in January 2025 after a pilot with 60 enterprise businesses, trained on over a trillion dollars of payments data from Adyen's single platform. It balances conversion, fraud and cost per transaction, with modules including Protect (risk) and Personalize (launched February 2026). Adyen says 6,500+ businesses used Uplift in 2025, averaging 1.19% higher payment conversion than industry baselines, with payment costs down 9.4% on eligible traffic and false positives down 42% on average. Uplift draws on Dynamic Identification, a behavioural trust layer introduced in November 2025.[1][3][2][10]
What has Adyen done on AI, and when?
- Sep 22, 2026
Klarna CFO Niclas Neglen nominated as Adyen CFO[12]
Adyen nominated Niclas Neglen, Klarna's CFO, as Chief Financial Officer and Management Board member effective February 1, 2027, subject to regulatory and shareholder approval.
- Sep 3, 2026
CTO details AI across Adyen's engineering[11]
Chief Technology Officer Tom Adams wrote that AI adoption is effectively 100% across engineering, that ~1,400 developers consume about 1 trillion tokens a year, and that merge requests per developer are up 48%.
- Aug 13, 2026
H1 2026: Uplift lifts conversion 0.9 points[9][10]
Adyen reported net revenue of €1,302.9 million (up 19%) and processed volume of €803.8 billion (up 24%), said Uplift and Dynamic Identification increased customer conversion by 0.9 percentage points on average, and listed OpenAI among its enterprise wins.
- Jul 1, 2026
Acquisitions close; new Chief Product Officer and interim CFO[8]
Adyen closed the Talon.One and Orb acquisitions, named Gayathri Rajan Chief Product Officer, and said Hwa Tsao would become interim CFO on September 1 after CFO Ethan Tandowsky's departure on August 31.
- Jun 30, 2026
Adyen AI research accepted at ICML 2026[7]
A paper from Adyen and the University of Amsterdam introducing FlowMSM, a framework for identifying hidden regimes in changing systems, was accepted at ICML 2026, which Adyen also sponsored.
- Jun 16, 2026
Adyen Agentic launches[6]
Adyen announced Adyen Agentic, modular APIs (Agentic Feed, Agentic Cart, Agentic Payments) that let enterprises sell through conversational AI platforms without rebuilding for each channel; limited availability for US enterprise merchants at launch.
- Apr 23, 2026
- Feb 12, 2026
H2 2025 results; Adyen joins the Agentic AI Foundation[4]
Full-year 2025 net revenue was €2,364.2 million (up 18%); Adyen said it had joined the Agentic AI Foundation and deepened partnerships with OpenAI, Google, Cloudflare, Visa and Mastercard.
- Feb 11, 2026
Personalize launches inside Uplift[3]
Adyen launched Personalize, which uses AI to adapt checkout pages to shopper behaviour, and reported Uplift's first-year results: 6,500+ businesses, 1.19% higher conversion than industry baselines, 9.4% lower costs on eligible traffic and 42% fewer false positives.
- Nov 11, 2025
Dynamic Identification introduced[2]
Adyen introduced Dynamic Identification, a behavioural model of trust built from trillions of interactions on its platform, used to strengthen Uplift, detect policy abuse, simplify onboarding and support AI Investigator Agents in compliance.
- Jan 9, 2025
Adyen Uplift launches[1]
Adyen launched Uplift, an AI-powered payment-optimisation suite trained on over a trillion dollars of payments data, after a pilot with 60 enterprise businesses including Patagonia, On and Indeed that saw conversion gains of up to 6%.
- Sep 7, 2023
UK branch authorised as a bank[14]
Adyen's UK branch was granted authorisation by the PRA and FCA under Part 4A of FSMA 2000, continuing operations previously run under the Temporary Permissions Regime.
- Jun 14, 2021
Adyen receives a US federal branch licence[13]
The OCC approved Adyen's application for a Federal Foreign Branch in San Francisco, following Federal Reserve approval on May 24, 2021, extending the banking set-up Adyen runs in Europe under its 2017 European banking licence.
Where does Adyen use AI today?
| System | What it does | Status | Use case |
|---|---|---|---|
| Uplift Protect (risk module)[1][3][10] | AI-based risk decisions replace manual rules; pilot customers cut manual risk rules by 86% on average, and in 2025 Uplift reduced false positives by 42% on average. On's fraud rate fell 0.17% after moving to model-based risk assessment. | In production | Fraud detection |
| Adyen Agentic[6][10] | APIs that translate one merchant integration across AI agent platforms and protocols, covering catalog feeds, cart building and agent-led payments with authentication and fraud controls. | Rolling out | Generative & agentic AI |
| Dynamic Identification for onboarding and compliance[2][11] | A behavioural identity layer used to recognise known entities at onboarding and, Adyen says, to power AI Investigator Agents that process complex compliance reviews in a supervised and auditable way. | Announced | AML / KYC |
| Behaviour-based underwriting[2] | Adyen says Dynamic Identification lets it underwrite business financing using real commerce behaviour across its platform rather than forms and backward-looking files. | Announced | Credit scoring & underwriting |
| AI in the development lifecycle[11] | AI adoption is effectively 100% across engineering; in 90 days AI edited ~1 million files and co-authored 20 thousand commits, and 50% of AI code-review comments are accepted by developers. | In production | AI-generated code & coding agents |
| Multi-provider models on in-house GenAI infrastructure[11] | Adyen uses a mix of bought, built and open-source tools across multiple model providers, with semantic routing and Bring Your Own Model connections to its in-house GenAI inference infrastructure to control token costs. | In production | Third-party & vendor AI |
| Rollout guardrails for code and ML models[11] | Adyen says it is expanding investment in rollout strategies and rapid regression detection covering services, feature flags and ML models, and built Architect, a code, service and infrastructure graph available to humans and AI via MCP. | In production | AI governance (general) |
Use-case links open the tracker's rules-by-use-case matrix: which documents govern each system type.
What has Adyen disclosed in numbers?
| Metric | Value | As of |
|---|---|---|
| Uplift adoption and results (first year) | 6,500+ businesses; +1.19% payment conversion vs industry baselines; payment costs -9.4% on eligible traffic; false positives -42% on average[3] | Dec 31, 2025 |
| Uplift pilot | 60 enterprise businesses; conversion up to +6%; manual risk rules -86% on average; U.S. payment costs down up to 5%[1] | Jan 9, 2025 |
| Conversion gain from Uplift and Dynamic Identification | +0.9 percentage points on average by end of H1 2026[9][10] | Jun 30, 2026 |
| H1 2026 results | net revenue €1,302.9 million (+19% YoY); processed volume €803.8 billion (+24% YoY); EBITDA €641.5 million[9] | Jun 30, 2026 |
| Engineering AI usage | ~1,400 developers consuming ~1 trillion tokens a year; ~1 million files edited and 20 thousand commits co-authored by AI in 90 days; merge requests per developer +48%[11] | Sep 3, 2026 |
| Shopper recognition at peak | nearly 95% of ~400 million unique shoppers recognised in real time over Black Friday/Cyber Monday 2025[4] | Dec 31, 2025 |
| Talon.One acquisition | €750 million, financed from cash[5] | Apr 23, 2026 |
“Adyen Uplift changes the game by unleashing the depth and power of AI to solve for real-time payment optimization.”[1]
Carlo Bruno · VP of Product · Jan 9, 2025
“Every new agentic surface asks merchants to rebuild from scratch,”[6]
Karan Katyal · Global Head of Agentic Commerce · Jun 16, 2026
“Through high-impact milestones — including the strategic acquisitions of Talon.One and Orb, alongside the launches of Adyen Agentic and Intelligent Money Movement — we built the complete financial operating system for modern commerce to position us for sustained, durable growth.”[9]
Pieter van der Does · Co-Founder and Co-CEO · Aug 13, 2026
“Whilst we’ve had a number of AI wins, customers don’t care if a product was shipped with AI or not.”[11]
Tom Adams · Chief Technology Officer · Sep 3, 2026
Who runs AI at Adyen?
Which regulators govern Adyen's AI?
| Authority | Why it matters here | Documents |
|---|---|---|
| De Nederlandsche Bank (DNB) | Licenses Adyen N.V. as a credit institution with EEA passporting rights; the banking licence is the regulated perimeter in which Uplift's risk models and Dynamic Identification's onboarding and compliance uses operate. | |
| EU AI Act | Adyen deploys AI across fraud, onboarding and compliance for EU merchants as an EU credit institution; the EBA's factsheet maps AI Act obligations for banks and payment institutions. | Regulation (EU) 2024/1689 EBA factsheet on the AI Act |
| UK (BoE / PRA / FCA) | Adyen's UK branch is authorised by the PRA and FCA under Part 4A of FSMA 2000 (since September 2023), bringing its UK use of AI in payments and risk under FCA expectations for authorised firms. | FCA AI Update (Apr 2024) |
| OCC | Licenses Adyen N.V.'s San Francisco Federal Foreign Branch (approved June 2021), which Adyen uses for US acquiring; Adyen Agentic launched first for US enterprise merchants. | |
| Federal Reserve | Approved Adyen's US federal branch application on May 24, 2021 and co-supervises the branch. | |
| Central Bank of the UAE | Authorises and supervises Adyen MEA FZ-LLC under a Retail Payment Services Licence (Category II), obtained in 2026 to expand localised processing. |
Linked authorities have a page in the AI Regulation Tracker; the others are named for completeness and not yet tracked.
What does the public record suggest about Adyen's AI strategy?
Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice.
01
Adyen's AI is sold as an outcome metric, not as a chatbot
Uplift, Personalize and Dynamic Identification are reported in conversion points, cost basis points and false-positive rates; Adyen does not describe a customer-facing AI assistant.
02
The data advantage rests on the single platform and bank licences
Adyen ties Dynamic Identification to its single global stack and full banking licences in the EU, US and UK, and says there is more than a 90% chance it has already seen a retail merchant's new shopper.
03
Compliance agents are described, not yet measured
Adyen says Dynamic Identification powers AI Investigator Agents for compliance reviews, but has published no figures on their use, unlike the conversion and cost numbers it reports for Uplift.
04
Agentic commerce is positioned as neutral plumbing
Adyen Agentic is built to work across AI platforms and protocols so merchants do not bet on one ecosystem, while OpenAI is also an Adyen enterprise customer and Adyen joined the Agentic AI Foundation.
05
Engineering productivity is reported with its limits
The CTO reports 48% more merge requests per developer but only 15% self-reported time savings, and says cross-monorepo reasoning for agents is not fully solved.
What is Adyen Uplift?
Adyen Uplift is an AI-powered payment-optimisation suite that Adyen launched on January 9, 2025, trained on over a trillion dollars of payments data. It balances conversion, fraud and payment cost for each transaction. Adyen says 6,500+ businesses used it in 2025, averaging 1.19% higher conversion than industry baselines, 9.4% lower payment costs on eligible traffic and 42% fewer false positives.
What is Adyen Agentic?
Adyen Agentic is a suite of modular APIs announced on June 16, 2026 that lets merchants sell through conversational AI platforms with one integration. It has three layers: Agentic Feed for catalog data, Agentic Cart for checkout orchestration, and Agentic Payments for authentication and fraud in agent-led transactions. It launched in limited availability for US enterprise merchants.
Does Adyen use AI for fraud detection?
Yes. Uplift's risk module makes AI-based risk decisions instead of manual rules: pilot customers cut manual risk rules by 86% on average, and in 2025 Uplift reduced false positives by 42% on average. Adyen's H1 2026 letter says On's fraud rate fell 0.17% after moving to model-based risk assessment.
Is Adyen a bank?
Yes. Adyen N.V. is licensed as a credit institution by De Nederlandsche Bank and passports its services across the EEA. Its UK branch is authorised by the PRA and FCA, its San Francisco federal branch is licensed by the OCC and the Federal Reserve, and Adyen MEA holds a UAE Retail Payment Services Licence.
Does Adyen work with OpenAI?
Adyen listed OpenAI among its enterprise customer wins in H1 2026 and said in February 2026 it had deepened ecosystem partnerships with OpenAI, Google, Cloudflare, Visa and Mastercard. Adyen Agentic is designed to work across AI platforms rather than one.
How does Adyen use AI in software engineering?
Adyen's CTO Tom Adams wrote in September 2026 that AI adoption is effectively 100% across engineering, that about 1,400 developers consume roughly 1 trillion tokens a year across multiple model providers, that AI co-authored 20 thousand commits in 90 days, and that merge requests per developer are up 48%, with 15% self-reported time savings.
Who is Adyen's CFO?
Ethan Tandowsky left as CFO on August 31, 2026, and Hwa Tsao became interim CFO on September 1. On September 22, 2026 Adyen nominated Niclas Neglen, Klarna's CFO, as its Chief Financial Officer from February 1, 2027, subject to regulatory and shareholder approval.
- Introducing Adyen Uplift: The payment solution optimizing every transaction with AI
- Dynamic Identification: building the next layer of trust in global commerce
- Adyen Launches 'Personalize' to Tailor Checkout Experiences in Real-Time
- Adyen publishes H2 2025 financial results
- Adyen to acquire Talon.One to enable real-time decisioning across commerce channels
- Adyen Announces Adyen Agentic As the Universal Translator for the Next Era of Commerce
- Finding hidden patterns in changing systems: Adyen AI research at ICML 2026
- Adyen Closes Talon.One and Orb Acquisitions; Announces Leadership Updates Across Product and Finance
- Adyen publishes H1 2026 financial results
- H1 2026 Shareholder Letter
- AI in our development lifecycle
- Niclas Neglen to join Adyen as new Chief Financial Officer
- Adyen granted US branch license
- Adyen granted UK banking authorization
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