# Adyen: Digital payments transformation Source: https://www.bankingnewsai.com/fintech/adyen/digital-payments-transformation Last updated: Oct 19, 2026 *Part of the [Adyen AI strategy profile](https://www.bankingnewsai.com/fintech/adyen).* ## What is Adyen's role in the digital payments transformation? Adyen is an acquirer with its own banking licences that moves large merchants from fragmented payment setups onto one global platform, and its numbers track the shift to digital and unified commerce. Processed volume was €1,285.9 billion in 2024, up 33%, and €1,394.3 billion in 2025, up 8% (21% excluding a single large-volume customer); in the first half of 2026 it was €803.8 billion, up 24%. Point-of-sale volume grew faster: €232.7 billion in 2024 (up 46%) and €311 billion in 2025 (up 34%), and in H1 2026 in-person volume reached €175.7 billion, 22% of the total, across 838,000 transacting terminals. Net revenue was €2,364.2 million in 2025, and the take rate was 17.1 basis points in H2 2025 and 16.2 in H1 2026. Adyen connects directly to local rails: UPI and RuPay in India, Pix in Brazil, France's interbank clearing system and, from 2026, a UAE payments licence. Beyond acquiring, issuing volumes grew 8x in 2025 and Intelligent Money Movement launched in April 2026. AI enters as optimization of those rails: Intelligent Payment Routing moved to full scale in 2025 and delivered about $14.5 million in savings for customers. ([Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h2-2024-financial-results), [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h2-2025-financial-results-3pgu2), [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h1-2026-financial-results-3wjne), [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEzNjc2OSwidGltZXN0YW1wIjoxNzg2NjAzNzE2LCJ2ZXJzaW9uIjoxNzg2NjAzNzExfQ:adyen:XGlhBkieVPoOb5QUYl1kHKT87C66iBYXjr2Pk52kHIE/download), [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMDQxMCwidGltZXN0YW1wIjoxNzcwOTA5ODMzLCJ2ZXJzaW9uIjoxNzcwOTA5ODIzfQ:adyen:H5vsx79VwLKJkfLZBrmssAmZF4pGvB9sTS75BJt4_pU/download), [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMjMwOCwidGltZXN0YW1wIjoxNzc1NTY0MjQ0LCJ2ZXJzaW9uIjoxNzcyNjkwMjA3fQ:adyen:DEcCEo4XPo3eDfzj-fjMZ366g2pQkuoZMPARCHC5BoE/download), [Adyen](https://www.adyen.com/press-and-media/adyen-launches-intelligent-money-movement)) ## How much does Adyen process, and how fast is it growing? From Adyen's half-year results, quarterly business updates and shareholder letters. Several periods are affected by a single large-volume customer whose volume Adyen reports separately. | Metric | Value | Period | Sources | | --- | --- | --- | --- | | Processed volume | €1,285.9 billion, up 33% (27% excluding a single large-volume customer) | 2024 | [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h2-2024-financial-results) | | Processed volume | €1,394.3 billion, up 8% (21% excluding the single large-volume customer) | 2025 | [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h2-2025-financial-results-3pgu2) | | Processed volume by half year | €649.0 billion (up 5%; 23% excluding the large customer); €745.3 billion (up 12%; 19% excluding); €803.8 billion (up 24%) | H1 2025, H2 2025, H1 2026 | [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h1-2025-financial-results), [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h2-2025-financial-results-3pgu2), [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h1-2026-financial-results-3wjne) | | Processed volume by quarter | €346.9 billion (up 8%; 19% excluding the large customer); €382.0 billion (up 21%) | Q3 2025, Q1 2026 | [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-q3-2025-business-update), [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-q1-2026-business-update-4gyhh5) | | Point-of-sale volume | €232.7 billion, up 46% (2024); €311 billion, up 34% (2025); in-person €175.7 billion, up 28% and 22% of total volume (H1 2026) | 2024 to H1 2026 | [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h2-2024-financial-results), [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h2-2025-financial-results-3pgu2), [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEzNjc2OSwidGltZXN0YW1wIjoxNzg2NjAzNzE2LCJ2ZXJzaW9uIjoxNzg2NjAzNzExfQ:adyen:XGlhBkieVPoOb5QUYl1kHKT87C66iBYXjr2Pk52kHIE/download) | | Transacting terminals | 838,000, up 27% | H1 2026 | [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEzNjc2OSwidGltZXN0YW1wIjoxNzg2NjAzNzE2LCJ2ZXJzaW9uIjoxNzg2NjAzNzExfQ:adyen:XGlhBkieVPoOb5QUYl1kHKT87C66iBYXjr2Pk52kHIE/download) | | Net revenue | €1,996.1 million, up 23% (2024); €2,364.2 million, up 18% (2025); €1,302.9 million, up 19% (H1 2026) | 2024 to H1 2026 | [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h2-2024-financial-results), [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h2-2025-financial-results-3pgu2), [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h1-2026-financial-results-3wjne) | | Take rate | 16.2 basis points (H2 2024), 16.8 (H1 2025), 17.1 (H2 2025), 16.2 (H1 2026) | H2 2024 to H1 2026 | [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMDQxMCwidGltZXN0YW1wIjoxNzcwOTA5ODMzLCJ2ZXJzaW9uIjoxNzcwOTA5ODIzfQ:adyen:H5vsx79VwLKJkfLZBrmssAmZF4pGvB9sTS75BJt4_pU/download), [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEzNjc2OSwidGltZXN0YW1wIjoxNzg2NjAzNzE2LCJ2ZXJzaW9uIjoxNzg2NjAzNzExfQ:adyen:XGlhBkieVPoOb5QUYl1kHKT87C66iBYXjr2Pk52kHIE/download) | | Net revenue by pillar | Digital €349.6 million (up 9%); Unified Commerce €196.2 million (up 24%); Platforms €75.0 million (up 35%) | Q1 2026 | [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-q1-2026-business-update-4gyhh5) | | Peak load | 837 million transactions over Black Friday and Cyber Monday with 99.9999% uptime | 2025 | [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h2-2025-financial-results-3pgu2) | ## Which local rails and licences does Adyen run on? | Rail or market | Adyen's role | Date | Sources | | --- | --- | --- | --- | | India | Integrated UPI for real-time payments and went live on its own acquiring rails with Visa, Mastercard, Amex and RuPay | 2025 | [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMjMwOCwidGltZXN0YW1wIjoxNzc1NTY0MjQ0LCJ2ZXJzaW9uIjoxNzcyNjkwMjA3fQ:adyen:DEcCEo4XPo3eDfzj-fjMZ366g2pQkuoZMPARCHC5BoE/download) | | Brazil | Added Pix Recurring and Pix Open Finance to its Pix integration | 2025 | [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMjMwOCwidGltZXN0YW1wIjoxNzc1NTY0MjQ0LCJ2ZXJzaW9uIjoxNzcyNjkwMjA3fQ:adyen:DEcCEo4XPo3eDfzj-fjMZ366g2pQkuoZMPARCHC5BoE/download) | | France | Secured direct access to France's domestic interbank clearing system | H1 2026 | [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h1-2026-financial-results-3wjne) | | UAE | Category II Retail Payment Services licence from the Central Bank of the UAE, giving Adyen control over local settlement | H1 2026 | [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h1-2026-financial-results-3wjne), [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEzNjc2OSwidGltZXN0YW1wIjoxNzg2NjAzNzE2LCJ2ZXJzaW9uIjoxNzg2NjAzNzExfQ:adyen:XGlhBkieVPoOb5QUYl1kHKT87C66iBYXjr2Pk52kHIE/download) | | U.S. debit | Debit was 58% of Adyen's U.S. transactions in June 2024; since July 1, 2023 U.S. debit cards must carry two unaffiliated networks, which Intelligent Payment Routing uses | September 9, 2024 | [Adyen](https://www.adyen.com/press-and-media/adyens-intelligent-payment-routing-usdebit) | | Australia eftpos | Intelligent Payment Routing runs on local debit rails for 92 customers, saving AU$0.14 per transaction | 2025 | [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMjMwOCwidGltZXN0YW1wIjoxNzc1NTY0MjQ0LCJ2ZXJzaW9uIjoxNzcyNjkwMjA3fQ:adyen:DEcCEo4XPo3eDfzj-fjMZ366g2pQkuoZMPARCHC5BoE/download) | | Banking licences | Own licences in the EU, U.S. (federal branch, 2021) and UK (2023), used to settle without partner banks | 2021–2025 | [Adyen](https://www.adyen.com/press-and-media/adyen-granted-us-branch-license), [Adyen](https://www.adyen.com/press-and-media/adyen-granted-uk-banking-authorization), [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMjMwOCwidGltZXN0YW1wIjoxNzc1NTY0MjQ0LCJ2ZXJzaW9uIjoxNzcyNjkwMjA3fQ:adyen:DEcCEo4XPo3eDfzj-fjMZ366g2pQkuoZMPARCHC5BoE/download) | ## What has Adyen added beyond card acquiring? | Product | What the record shows | Date | Sources | | --- | --- | --- | --- | | Issuing | Volume up 8x in 2025 as platforms embedded cards into their workflows; issuing volume exceeded €2.0 billion in H1 2025 | 2025 | [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h2-2025-financial-results-3pgu2), [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h1-2025-financial-results) | | Payouts and capital | Payouts grew about 40% year on year, moving tens of billions of euros a month; capital loan volumes doubled | 2025 | [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMjMwOCwidGltZXN0YW1wIjoxNzc1NTY0MjQ0LCJ2ZXJzaW9uIjoxNzcyNjkwMjA3fQ:adyen:DEcCEo4XPo3eDfzj-fjMZ366g2pQkuoZMPARCHC5BoE/download) | | CashOut | Reached a run rate of several hundred million euros in annual volume within nine months, still in pilot | 2025 | [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMjMwOCwidGltZXN0YW1wIjoxNzc1NTY0MjQ0LCJ2ZXJzaW9uIjoxNzcyNjkwMjA3fQ:adyen:DEcCEo4XPo3eDfzj-fjMZ366g2pQkuoZMPARCHC5BoE/download) | | Intelligent Money Movement | Payments, liquidity management and payouts on one platform, for enterprises such as Etsy, Expedia Group and Vinted | April 9, 2026 | [Adyen](https://www.adyen.com/press-and-media/adyen-launches-intelligent-money-movement) | | Unified commerce | 486 customers processing across channels at scale; Unified Commerce processed volume €240.9 billion, up 27% | H1 2026 | [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEzNjc2OSwidGltZXN0YW1wIjoxNzg2NjAzNzE2LCJ2ZXJzaW9uIjoxNzg2NjAzNzExfQ:adyen:XGlhBkieVPoOb5QUYl1kHKT87C66iBYXjr2Pk52kHIE/download) | | Talon.One | Agreement to buy the loyalty and incentives platform for €750 million, financed from cash | April 23, 2026 | [Adyen](https://www.adyen.com/press-and-media/2i4hnm0pfcpvc7) | ## How does Adyen frame the shift, where does AI come in, and what is not disclosed? At its November 11, 2025 Investor Day Adyen guided to approximately 20% annual net revenue growth in the years after 2026, driven mainly by existing customers, and to an EBITDA margin above 55% by 2028. For 2026 it expected 20% to 22% constant-currency growth in May 2026 and 21% to 23% including acquisitions in August 2026. ([Adyen](https://www.adyen.com/press-and-media/adyen-hosts-investor-day-2025-in-amsterdam), [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-q1-2026-business-update-4gyhh5), [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h1-2026-financial-results-3wjne)) AI appears where Adyen ties it to the rails: Intelligent Payment Routing moved from pilot to full scale in 2025, and Personalize steers shoppers to lower-cost payment methods only when the data says they will complete the purchase. On agentic commerce, the 2025 annual report says Adyen is "starting to see the first transactions". ([Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMjMwOCwidGltZXN0YW1wIjoxNzc1NTY0MjQ0LCJ2ZXJzaW9uIjoxNzcyNjkwMjA3fQ:adyen:DEcCEo4XPo3eDfzj-fjMZ366g2pQkuoZMPARCHC5BoE/download), [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMDQxMCwidGltZXN0YW1wIjoxNzcwOTA5ODMzLCJ2ZXJzaW9uIjoxNzcwOTA5ODIzfQ:adyen:H5vsx79VwLKJkfLZBrmssAmZF4pGvB9sTS75BJt4_pU/download)) The annual report also records friction in the shift: changes to U.S. tariffs in 2025 affected certain APAC-headquartered retail merchants, with some financial impact to Adyen. ([Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMjMwOCwidGltZXN0YW1wIjoxNzc1NTY0MjQ0LCJ2ZXJzaW9uIjoxNzcyNjkwMjA3fQ:adyen:DEcCEo4XPo3eDfzj-fjMZ366g2pQkuoZMPARCHC5BoE/download)) What is not disclosed: the identity of the single large-volume customer, volumes on account-to-account rails such as UPI and Pix, and agentic transaction volumes. ([Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h2-2025-financial-results-3pgu2), [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMjMwOCwidGltZXN0YW1wIjoxNzc1NTY0MjQ0LCJ2ZXJzaW9uIjoxNzcyNjkwMjA3fQ:adyen:DEcCEo4XPo3eDfzj-fjMZ366g2pQkuoZMPARCHC5BoE/download)) ## What does the Adyen profile record on this topic? | Date | Move | Detail | Sources | | --- | --- | --- | --- | | Aug 13, 2026 | H1 2026: Uplift lifts conversion 0.9 points | 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. | [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h1-2026-financial-results-3wjne), [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEzNjc2OSwidGltZXN0YW1wIjoxNzg2NjAzNzE2LCJ2ZXJzaW9uIjoxNzg2NjAzNzExfQ:adyen:XGlhBkieVPoOb5QUYl1kHKT87C66iBYXjr2Pk52kHIE/download) | | Jul 1, 2026 | Acquisitions close; new Chief Product Officer and interim CFO | 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. | [Adyen](https://www.adyen.com/press-and-media/adyen-closes-talonone-and-orb-acquisitions-announces-leadership-updates) | | Apr 23, 2026 | Adyen agrees to buy Talon.One for €750 million | Adyen agreed to acquire Talon.One, a loyalty and incentives platform, to act on shopper insight in real time across channels; the deal, financed from cash, closed on July 1, 2026. | [Adyen](https://www.adyen.com/press-and-media/2i4hnm0pfcpvc7), [Adyen](https://www.adyen.com/press-and-media/adyen-closes-talonone-and-orb-acquisitions-announces-leadership-updates) | | Feb 12, 2026 | H2 2025 results; Adyen joins the Agentic AI Foundation | 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. | [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h2-2025-financial-results-3pgu2) | | Jun 14, 2021 | Adyen receives a US federal branch licence | 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. | [Adyen](https://www.adyen.com/press-and-media/adyen-granted-us-branch-license) | ## Common questions ### How much payment volume does Adyen process? Adyen processed €1,394.3 billion in 2025, up 8%, or 21% excluding a single large-volume customer, after €1,285.9 billion in 2024. In the first half of 2026 processed volume was €803.8 billion, up 24% year on year, and net revenue was €1,302.9 million. ### How big is Adyen's in-person payments business? Point-of-sale volume was €311 billion in 2025, up 34%. In the first half of 2026 in-person volume grew 28% to €175.7 billion, 22% of Adyen's total, across 838,000 transacting terminals, and 486 customers were processing across online and in-person channels at scale. ### What is Adyen's take rate? Adyen's take rate was 17.1 basis points in H2 2025, up from 16.2 in H2 2024 and 16.8 in H1 2025 because of merchant mix. In H1 2026 it was 16.2 basis points, which Adyen attributes to expected volume tiering as enterprise merchants process at larger scale. ### Does Adyen connect to real-time payment systems? Yes, in several markets. In 2025 Adyen integrated India's UPI and added Pix Recurring and Pix Open Finance in Brazil, and in H1 2026 it secured direct access to France's interbank clearing system. It has not published volumes on these rails. ### What is Adyen's Intelligent Money Movement? A product launched on April 9, 2026 that puts payments, liquidity management and payouts on one Adyen platform for large enterprises such as Etsy, Expedia Group and Vinted. Adyen ties it to its own banking licences in the U.S., UK and Europe, which connect directly to payment rails. ## Deeper on Adyen - [How does Adyen use AI across its payment ecosystem?](https://www.bankingnewsai.com/fintech/adyen/payment-ecosystem-ai) - [How does Adyen use AI for fraud and risk?](https://www.bankingnewsai.com/fintech/adyen/fraud-and-risk-ai) ## Same question, other companies - [Revolut: digital payments transformation](https://www.bankingnewsai.com/fintech/revolut/digital-payments-transformation) - [Chime: digital payments transformation](https://www.bankingnewsai.com/fintech/chime/digital-payments-transformation) - [Affirm: digital payments transformation](https://www.bankingnewsai.com/fintech/affirm/digital-payments-transformation) - [Klarna: digital payments transformation](https://www.bankingnewsai.com/fintech/klarna/digital-payments-transformation) - [PayPal: digital payments transformation](https://www.bankingnewsai.com/fintech/paypal/digital-payments-transformation) - [Block: digital payments transformation](https://www.bankingnewsai.com/fintech/block/digital-payments-transformation) - [Stripe: digital payments transformation](https://www.bankingnewsai.com/fintech/stripe/digital-payments-transformation) - [Visa: digital payments transformation](https://www.bankingnewsai.com/fintech/visa/digital-payments-transformation) - [Mastercard: digital payments transformation](https://www.bankingnewsai.com/fintech/mastercard/digital-payments-transformation) - [Ramp: digital payments transformation](https://www.bankingnewsai.com/fintech/ramp/digital-payments-transformation) - [Plaid: digital payments transformation](https://www.bankingnewsai.com/fintech/plaid/digital-payments-transformation) - [Amex: What is American Express's role in the digital payments transformation?](https://www.bankingnewsai.com/banks/american-express/digital-payments-transformation) --- Canonical page: https://www.bankingnewsai.com/fintech/adyen/digital-payments-transformation Part of [BankingNewsAI](https://www.bankingnewsai.com/) — a free daily brief on AI in banking, an AI regulation tracker (42 authorities, 245 documents) and AI-strategy profiles of the 120 largest US banks. 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