Adyen Fees for Merchants: Real Costs of Adyen’s Payment Processing

Please note that the information about the companies in this article was sourced from their respective websites as of May 2025. This information may be subject to change.

Trying to figure out what you’re really paying in payment fees? You’re not alone. For many merchants, platforms like Adyen promise flexibility—but things can get confusing fast.

With processing fees, interchange rates, and extra charges depending on the payment method, it’s hard to know exactly what you're paying. In this article, we break down how Adyen’s pricing actually works—and show you a simpler, lower-cost alternative.

What Are Ayden Processing Fees?

Adyen’s pricing is pretty straightforward: no monthly fees, no setup costs, no integration or closure fees. That said, there is a minimum monthly invoice depending on your industry or business type—so you’ll need to chat with their sales team for the specifics.

For each transaction, you’ll pay a fixed Adyen transaction fee plus a variable fee based on the payment method your customer uses. If you use any extra Adyen products like card readers, those come with separate pricing.

enerally, Adyen is more geared towards enterprise-level international businesses and is not that convenient for small businesses.

Adyen Payment Fees for Card Transactions

What Are Interchange Fees?

Interchange fees are actually not unique to Adyen. They are paid by any payment processor to banks but actually set by card networks like Visa and Mastercard, and vary depending on the card type, how the payment is made, and where it happens.

In some regions, these fees are capped by law—for example, in the EEA, they're limited to 0.2% for debit cards and 0.3% for credit cards on domestic payments. Since the UK left the EU, payments between the UK and EEA are no longer considered domestic—so those caps no longer apply. As a result, Visa and Mastercard raised their fees for online and phone payments.

Here’s a quick look at the regulated interchange fees for debit and credit card transactions in the EEA.

Source: Merchant Savvy, December 2024.

You can check up-to-date regional interchange Visa debit and credit processing fees here, and Mastercard processing fees here.

Note that for business-card transactions (which means the transaction would be made between your business and a business card), interchange fees are typically higher.

Read: How to Reduce Card Processing Fees

Other Payment Methods

For a full breakdown of Adyen payment methods and fees please see the provider’s website.

Important: Adyen’s chargeback fees or payout fees are not publicly available. To get this information, you’ll need to speak directly with their team.

Read: How to Prevent Chargebacks

How Adyen Fees Add Up in Real Life

Adyen’s pricing looks straightforward on paper—but what does it actually mean for your business? Let’s say you run a UK-based online shop making £25,000/month in card payments, mostly via Visa and Mastercard. Each transaction averages £50, with 500 sales per month.

Here's a rough breakdown:

• Fixed processing fee: £0.11 x 500 = £55
• Card fee: Interchange (let’s say 0.3%) + 0.60% = 0.90%
  → 0.90% of £25,000 = £225
• Total monthly fees: £225 (variable) + £55 (fixed) = £280/month

And that's without factoring in higher interchange fees for international cards, additional charges for using services like Klarna and PayPal, unpublished fees for chargebacks and payouts. 

So while Adyen avoids flat monthly charges, the final Adyen cost can still be significant—especially if you're using a mix of payment methods or selling internationally.

Say Goodbye to Card Network Fees with Pay-by-Bank

Adyen might be a big name, but its fees add up—and its cost-efficient pay-by-bank option is only available in the UK and Germany.

At Noda, we specialise in pay-by-bank—a payment method powered by open banking that skips card networks and wallet providers completely. That means fees as low as 0.1%-1%, no chargebacks, and instant payments.

Here’s how it works:

1. Your customer selects pay-by-bank at checkout
2. They pick their bank (Noda connects to 2,000+ across 28 countries)
3. They approve the payment in their banking app using Face ID, fingerprint, or passcode
4. You get paid instantly

Open banking is fully PSD2-regulated and built on secure, bank-level APIs. It’s already the go-to payment method for over 14 million people in the UK and 63 million across Europe—especially popular with Millennials and Gen Z, who prefer fast, secure, app-based payments.

Why Open Banking Works Better

• Lower fees: No intermediaries like card networks or wallets means more money stays in your business
• Instant payouts: Funds land in your account immediately, improving cash flow and reducing reliance on payout schedules.
• Superior UX: No logins, no PayPal accounts—just a quick bank app approval with Face ID or fingerprint.
• Stronger security: Runs on secure, regulated bank APIs with built-in multi-factor authentication.
• No chargebacks: Bank payments are final, so there’s no risk of revenue loss from disputes.

Add Pay-by-Bank with Noda—Your Way

Sick of high card fees and chargebacks? Noda makes it easy to accept open banking payments across the UK and Europe—fast, secure, and cost-efficient.

Set it up the way that works best for you:

• Want control? Use our Open Banking API to build a custom checkout.
• Want speed? Send instant payment links or QR codes in seconds, no development work required. 
• Selling on an e-commerce platform? Use our plugins and go live in minutes.

You’ll also get a dedicated personal manager to help you get set up and stay supported—whenever you need it. Noda’s pay-by-bank is built around your business, not the other way around.