How does Adyen use AI across its payment ecosystem?
Adyen builds AI into its own payment stack rather than selling it as a separate tool. Its main product is Adyen Uplift, launched on January 9, 2025 after a 60-company pilot and trained on more than a trillion dollars of payments from Adyen's single platform; its modules cover optimization, fraud (Protect), authentication, tokenization and, since February 2026, checkout personalization. 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, and that Uplift and Dynamic Identification lifted customer conversion by 0.9 percentage points on average by the end of H1 2026. Dynamic Identification, introduced on November 11, 2025, is a behavioral trust model built from trillions of interactions that feeds Uplift, onboarding, policy-abuse detection and compliance. Intelligent Payment Routing, which uses AI to route U.S. debit transactions, saved pilot merchants an average of 26% in 2024 and delivered about $14.5 million of savings for customers in 2025. For AI agents, Adyen joined the Agentic AI Foundation, became a founding member of the x402 Foundation in April 2026 and launched Adyen Agentic in June 2026 with American Express, Mastercard, Salesforce and Visa as strategic partners. Adyen does not report revenue from Uplift or agentic transaction volumes.[1][2][3][4][5][6][7][8][9]
Data as of Oct 19, 2026 · Adyen profile updated Oct 8, 2026 · 20 sources cited on this page · 52 fintechs profiled on this site · Markdown
Where in the payment flow does Adyen use AI?
One row per layer, with Adyen's product name and the latest dated figure Adyen has published for it. Results are Adyen's own measurements unless stated.
| Layer | Product | What the record shows | Date |
|---|---|---|---|
| Payment optimization | Adyen Uplift | Pilot with 60 enterprises including Patagonia, On, Indeed, NordSecurity and Fubo, with conversion gains of up to 6%; in 2025 routing-optimization customers saw average scheme-fee and interchange savings of 9.62% | 2025[1][2] |
| Debit routing | Intelligent Payment Routing | Pilot with over 20 merchants: 26% average cost savings and a 0.22% authorization uplift (2024); at full scale in 2025, 9.2% average U.S. savings and +25 basis points in authorization; live on Australia's eftpos for 92 customers | 2024–2025[6][2] |
| Authentication | Authenticate (Uplift module) | Machine learning decides whether to authenticate, which method to use and which of 150+ data fields to send; routes between 3DS, Google Secure Payment Authentication, Mastercard and Visa Payment Passkeys and data-only flows; Too Good To Go saw an 11% conversion increase | September 22, 2026[10] |
| Tokenization | Network token optimization | Machine learning chooses between a network token and the card number, adding a further 1% authorization uplift; over two billion active network tokens issued | September 12, 2023[11] |
| Fraud scoring | Protect (formerly RevenueProtect) | Machine-learning risk decisions with a Fraud Signal Analysis explaining each one; in 2025 fraud recall rose 16% and the false-positive rate fell 33% | 2025–2026[12][13] |
| Checkout personalization | Personalize (Uplift module) | Orders payment methods for each shopper; H2 2025 pilots showed conversion up to 6% higher and transaction costs up to 3% lower | February 11, 2026[3][7] |
| Identity and trust | Dynamic Identification | Behavioral model from trillions of interactions; recognized nearly 95% of about 400 million unique shoppers in real time over Black Friday and Cyber Monday 2025 | November 11, 2025[5][14] |
| Agent-led payments | Adyen Agentic (Agentic Payments) | Authentication, token portability, merchant-of-record preservation and risk management for agent-led transactions; limited availability for U.S. enterprise merchants at launch | June 2026[9] |
How far has Adyen taken AI agents into its platform?
The profile covers the Adyen Agentic launch and the Singapore survey; these rows add the standards and partner record.
| Item | What happened | Date |
|---|---|---|
| Ecosystem work | In H2 2025 Adyen collaborated with OpenAI, Google, Cloudflare, Visa and Mastercard on open standards for agent-led commerce and joined the Agentic AI Foundation | February 12, 2026[7] |
| First transactions | The 2025 annual report says agentic commerce is unfolding gradually and Adyen is "starting to see the first transactions" | March 5, 2026[2] |
| x402 Foundation | Founding member of the Linux Foundation body for payments over HTTP, aimed at machine-to-machine payments; Adyen says it already supports ACP and UCP | April 2, 2026[8] |
| Adyen Agentic | Agentic Feed, Agentic Cart and Agentic Payments; retailers ESW, Scheels, Sézane and SharkNinja; compatible with Meta's AI checkout; Adyen is an early endorser of UCP and supports AP2 and ACP | June 2026[9] |
| Open Standard and OpenUSD | H1 2026 results say Adyen joined the x402 Foundation and Open Standard and is shaping stablecoin infrastructure through OpenUSD | August 13, 2026[4] |
| Agentic fraud guidance | Adyen names three risks unique to agentic commerce: promotion and inventory abuse by agents, mismatch between a shopper's mandate and intent, and unclear liability | September 13, 2026[15] |
Who does Adyen work with on AI?
| Partner | What | Date |
|---|---|---|
| OpenAI | Ecosystem partner on agentic commerce (H2 2025) and an enterprise customer win (H1 2026) | 2026[7][4] |
| Google Secure Payment Authentication built into Authenticate; Adyen endorses Google's co-developed Universal Commerce Protocol and supports AP2 | 2026[10][9] | |
| Visa and Mastercard | Payment passkeys routed by Authenticate; strategic partners in Adyen Agentic | 2026[10][9] |
| American Express and Salesforce | Strategic partners in Adyen Agentic | June 2026[9] |
| Cloudflare | Ecosystem partner on agentic commerce standards | February 12, 2026[7] |
| Model providers | Adyen's ~1,400 developers use multiple model providers and consume about 1 trillion tokens a year; the CTO names Opus and GPT-5.6 among top models and Sonnet, Kimi and GLM among cheaper ones | September 3, 2026[16] |
| University of Amsterdam | Joint paper introducing FlowMSM accepted at ICML 2026 | June 30, 2026[17] |
How does AI fit Adyen's business, and what does it not disclose?
Adyen presents AI as part of its infrastructure, not a product line. The co-CEOs' letter in the 2025 annual report says Adyen applies AI "where it meaningfully improves outcomes" and embeds intelligence "directly into our infrastructure, rather than treating it as a standalone capability"; Uplift operated at scale for the first time in 2025.[2]
The annual report lists data ethics as a principal risk: Adyen has AI Ethics Principles and an AI and Data Ethics working group, and says it is preparing for regulations applicable to AI, including the EU AI Act.[2]
At its November 11, 2025 Investor Day Adyen presented a new behavior-based identification layer as part of its foundation and guided to approximately 20% annual net revenue growth in the years after 2026, with EBITDA margin above 55% by 2028.[18]
What is not disclosed: revenue attributable to Uplift, how many compliance reviews AI Investigator Agents handle, Personalize and Authenticate adoption, and agentic transaction volumes.[2][5][10][9]
What does the Adyen profile record on this topic?
The rows below are the entries of the Adyen AI strategy profile that bear on this page, as of Oct 8, 2026; the profile holds the full record of 14 dated moves, 7 use cases and 15 sources.
| Use case | What the record shows | Status | Source |
|---|---|---|---|
| Uplift Protect (risk module) | 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 | [1][3][19] |
| Adyen Agentic | 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 | [9][19] |
| Dynamic Identification for onboarding and compliance | 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 | [5][16] |
| Behaviour-based underwriting | Adyen says Dynamic Identification lets it underwrite business financing using real commerce behaviour across its platform rather than forms and backward-looking files. | Announced | [5] |
| AI in the development lifecycle | 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 | [16] |
| Date | Move | Detail | Source |
|---|---|---|---|
| Sep 23, 2026 | Adyen Index Singapore: 'The agentic paradox' | Chapter 2 of Adyen's 2026 Singapore Retail Report, based on surveys of over 1,000 consumers and 300 enterprise retailers, found 42% of consumers use AI to shop weekly and 95% of retailers face barriers to wider AI adoption, including 36% who fear losing direct customer relationships or brand control; the report frames single-platform payments infrastructure as underpinning trust in agentic commerce. | [20] |
| 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. | [4][19] |
| Jun 16, 2026 | Adyen Agentic launches | 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. | [9] |
| 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. | [14] |
| Feb 11, 2026 | Personalize launches inside Uplift | 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. | [3] |
| Nov 11, 2025 | Dynamic Identification introduced | 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. | [5] |
| Jan 9, 2025 | Adyen Uplift launches | 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%. | [1] |
What AI products does Adyen offer?
Adyen's AI is packaged as Adyen Uplift, launched in January 2025, with modules for optimization, fraud (Protect), authentication, tokenization and checkout personalization. Underneath sits Dynamic Identification, a behavioral trust model introduced in November 2025, and on top Adyen Agentic, launched in June 2026 for selling through AI agents.
What is Adyen's Intelligent Payment Routing?
An AI feature that routes U.S. debit transactions across the networks a card supports, choosing the cheapest route with the best approval odds. In a 2024 pilot with over 20 merchants it cut costs by 26% on average; in 2025 it ran at full scale and delivered about $14.5 million in savings, per Adyen.
Which AI agent protocols does Adyen support?
Adyen says it supports OpenAI's Agentic Commerce Protocol and the Universal Commerce Protocol, co-developed by Google, and the Agent Payments Protocol (AP2). It became a founding member of the x402 Foundation for payments over HTTP in April 2026, and Adyen Agentic is compatible with Meta's AI checkout.
How does Adyen's Authenticate use machine learning?
Since a September 22, 2026 upgrade, Authenticate makes three machine-learning decisions on every transaction: whether authentication is needed, which method will perform best, and which data to send the issuer. Adyen says Too Good To Go saw an 11% conversion increase and Just Eat Takeaway.com 12% on eligible traffic.
Which AI models does Adyen use internally?
Adyen's CTO wrote in September 2026 that its roughly 1,400 developers use tools across multiple model providers and consume about 1 trillion tokens a year, half on top models such as Opus and GPT-5.6 and half on cheaper ones such as Sonnet, Kimi and GLM.
- Introducing Adyen Uplift: The payment solution optimizing every transaction with AI
- Adyen 2025 Annual Report
- Adyen Launches 'Personalize' to Tailor Checkout Experiences in Real-Time
- Adyen publishes H1 2026 financial results
- Dynamic Identification: building the next layer of trust in global commerce
- Adyen's Intelligent Payment Routing Achieves 26% Cost Savings and Improves Payment Performance on US Debit Transactions
- H2 2025 Shareholder Letter
- Adyen joins the x402 Foundation to help shape payments over HTTP (Tom Adams, CTO)
- Adyen Announces Adyen Agentic As the Universal Translator for the Next Era of Commerce
- Adyen Launches First-to-Market Upgrade to Authenticate, Unlocking Double-Digit Conversion Gains for Global Merchants
- Adyen has issued over two billion active network tokens, marking 2,200% growth in the technology since 2020
- Explainable Machine Learning: the next phase of RevenueProtect (undated page, retrieved 2026-10-19)
- 2026 Fraud Report: Fraud's identity crisis
- Adyen publishes H2 2025 financial results
- What is agentic commerce fraud, and how do you stop it?
- AI in our development lifecycle
- Finding hidden patterns in changing systems: Adyen AI research at ICML 2026
- Adyen Hosts Investor Day 2025 in Amsterdam
- H1 2026 Shareholder Letter
- Chapter 2: The agentic paradox
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