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Adyen

Paiements · Pays-Bas
Fondé en 2006 · adyen.com

Dutch publicly-listed payments giant (Euronext Amsterdam), DNB-licensed credit institution + EU/UK/US banking licences; €1.4T processed/yr.

Adyen propose un hébergement européen aux Pays-Bas, mais une maison mère ou un sous-traitant américain laisse une exposition matérielle au CLOUD Act. Référencé dans la catégorie Paiements.

Notes d’évaluation

Adyen N.V. is an Amsterdam-headquartered Dutch credit institution, publicly listed on Euronext Amsterdam since 2018 (ownership_signal: eu_owned), holding a full De Nederlandsche Bank banking licence + EU + UK + US banking licences, processing €1.4T annually for the world's leading enterprises (29 global offices, 99.999% historical uptime); ownership is broad-public via Euronext Amsterdam (no US-PE controlling stake), the Dutch banking-law regime governs EU customer payment data, and a public DPA (April 2025) plus a named sub-processors list are accessible. The compliance score dropped from 5 to 3 in August 2026: on 1 June 2026 Adyen notified merchants that Amazon Web Services, Google Cloud, Microsoft Azure and Oracle Cloud Infrastructure are added to its sub-processor list with effect from 1 September 2026, so four US-owned hyperscalers enter the processing chain (Adyen states current processing locations do not change and that it will use regional capabilities for data residency). Four US sub-processors takes the rubric to 3/5 and moves cloud_act_exposure from minor to material.

Constats

CLOUD Act
Actionnariat
Sous-traitants
15 · 5 US

Signaux vérifiés

Juridiction
  • Hébergement UE / adéquation: Oui
  • Opérateur UE / adéquation: Oui
  • Aucune exposition au CLOUD Act: Non
Transparence
  • DPA public: Oui
  • Sous-traitants divulgués: Oui
  • Clients open source: Non
  • Certification tierce: Non
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À propos de Adyen

Adyen is the Amsterdam-headquartered Dutch payments giant operated by Adyen N.V., publicly listed on Euronext Amsterdam since its June 2018 IPO and licensed by De Nederlandsche Bank (DNB) as a credit institution with passporting rights across the EEA, plus separate banking licences in the United Kingdom and the United States. Founded in 2006 by Pieter van der Does and Arnout Schuijff, the company processes more than €1.4 trillion in annual transaction volume across 200+ local payment methods, 150+ currencies, and 80+ countries from 29 global offices, supporting customer-base highlights such as Uber, eBay, Spotify, Microsoft, McDonald's, and H&M. As of April 2026 the market capitalisation stands at approximately €27B with €2.36B revenue in 2025 and 53% EBITDA margins: financial metrics that put it firmly in the strategic-EU-infrastructure tier alongside ASML and SAP.

For an EU-sovereignty audit Adyen's ownership and licensing are among the strongest in the payments category; its processing chain is not. The operating entity is a Dutch credit institution under direct DNB supervision; the public-listing structure on Euronext Amsterdam means ownership is broad institutional plus retail rather than concentrated in any US private-equity or sovereign-fund hands; there is no US-PE acquisition or majority on the cap table. The DPA / privacy statement was refreshed on 4 August 2025 with explicit references to Standard Contractual Clauses for cross-border intragroup transfers (Adyen runs subsidiaries in the US, UK, APAC, and LATAM to support local merchant acquisition, all operating under Dutch parent control). The sub-processor list published on 1 July 2026 names the 11 intragroup Adyen affiliates and, for the first time, four third parties: Amazon Web Services, Google LLC, Microsoft Corporation and Oracle Corporation, all US-incorporated and all listed for cloud infrastructure, storage, compute and networking with effect from 1 September 2026. Adyen states that current processing locations do not change and that it will use regional capabilities to meet local data-residency needs, but the operators are US-incorporated, which is what sets the exposure at Significative. The Dutch banking-law regime still governs EU customer payment data with strong primary-jurisdiction Dutch oversight.

Pricing is Interchange++ per-transaction with no monthly, integration, or closure fees: US$0.13 base fee + variable component (e.g. Visa/Mastercard 0.60% + Interchange++ globally, Klarna 4.29% + US$0.30 in US/CA, Alipay 3%). Custom pricing is available for volume customers (the typical Adyen sales motion). Best fit: enterprise and large-mid-market merchants, marketplaces, platforms (Embedded Finance for SaaS), global e-commerce brands needing unified acquiring across continents, and any EU procurement-grade buyer that wants a publicly-listed Dutch credit institution rather than a venture-funded payment startup. Together with Mollie, Adyen is the canonical Dutch fintech anchor, though buyers screening the processing chain rather than the cap table should note that four US-owned hyperscalers join its sub-processor list from September 2026.

Carte des sous-traitants · 15

Source
  • Amazon Web Services, Inc. US
    États-Unis

    Cloud services: infrastructure, storage, compute and networking (added 2026-07-01, effective 2026-09-01)

  • Google LLC US
    États-Unis

    Cloud services: infrastructure, storage, compute and networking (added 2026-07-01, effective 2026-09-01)

  • Microsoft Corporation US
    États-Unis

    Cloud services: infrastructure, storage, compute and networking (added 2026-07-01, effective 2026-09-01)

  • Oracle Corporation US
    États-Unis

    Cloud services: infrastructure, storage, compute and networking (added 2026-07-01, effective 2026-09-01)

  • Adyen Australia Pty Ltd non-US
    Australie

    Payment services (Australia subsidiary)

  • Adyen Canada Ltd. non-US
    Canada

    Payment services (Canada subsidiary)

  • Adyen do Brasil Instituição de Pagamento Ltda. non-US
    Brésil

    Payment services (Brazil subsidiary)

  • Adyen India Tech Hub Pvt. Ltd. non-US
    Inde

    Technology services (India subsidiary)

  • Adyen India Technology Services Pvt. Ltd. non-US
    Inde

    Technology and payment services (India subsidiary)

  • Adyen Japan K.K. non-US
    Japon

    Payment operations (Japan subsidiary)

  • Adyen MEA FZ-LLC non-US
    Émirats arabes unis

    Payment processing (Middle East / UAE subsidiary)

  • Adyen Mexico SA de CV non-US
    Mexique

    Payment processing (Mexico subsidiary)

  • Adyen N.V. (San Francisco Branch) US
    États-Unis

    Payment operations (US branch of Adyen N.V.)

  • Adyen N.V. UK Branch non-US
    Royaume-Uni

    Payment processing operations (intragroup branch of Adyen N.V.)

  • Adyen Singapore Pte. Ltd. non-US
    Singapour

    Payment processing (Singapore subsidiary)

Source : liste publiée des sous-traitants de l’éditeur, lue le 26 août 2026.

5 sous-traitants sur 15 sont détenus par des capitaux américains ou établis aux États-Unis. Exposition au CLOUD Act applicable.

Référentiels & certifications · aucune répertoriée

Nous avons vérifié le site de l'éditeur et les registres des organismes de certification. Aucune certification active trouvée à la date du dernier audit (2026-08-26).

Matrice de fonctionnalités

Tableau 2Fonctionnalités de Adyen

Paiement par carte Oui
Prélèvement SEPA Oui
Paiement fractionné (BNPL) Oui
Open banking (A2A) Oui
Récurrent / abonnements Oui
Liens de paiement Oui
En personne / TPE Oui
Marketplace / split Oui

Intégration & accès

REST API Oui
SSO (SAML / OIDC) Oui

Conformité & gouvernance

Audit log Oui
Self-host / on-prem option Non

Tarifs & paliers

Tarifs sur mesure

Contactez l’éditeur pour les tarifs par palier ou volume.

Voir la page tarifs

Documents publics

  • Contrat de sous-traitance (DPA)
    www.adyen.com/legal…
    Ouvrir
  • Liste des sous-traitants
    www.adyen.com/legal…
    Ouvrir
  • Conditions d'utilisation
    www.adyen.com/legal…
    Ouvrir

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