Centralize financial management for your customers
Unlock new revenue and increase customer loyalty by allowing your users to manage, spend, and grow their money with branded business accounts and cards. *Accounts is not currently available in Singapore*
Traditional banks aren’t built for SMBs. Give your customers access to the financial products they need by embedding them in your platform.
Manage everything in one place
Turn your platform into a financial hub without becoming a bank. Adyen helps you embed the tools your users need.
Strengthen user stickiness
Give real-time access to funds and cash-flow insights. Become the center of your users’ financial operations.
Turn balances into revenue
Earn revenue through interest on balances, custom fees, and flexible pricing. Monetize on your terms.
Good for your business. Better for theirs.
Epos Now streamlined merchant onboarding with Accounts
- <24 hours for a user to open accounts and access services
- +70k user locations supported
- 4 months for Epos Now to launch a full suite
The complete infrastructure for embedded finance
Adyen provides the platform, compliance, and dedicated support to help you scale.
Diverse card and bank account offering Become a financial hub in the UK, EU and US. Issue business bank accounts paired with pre-funded, single-use, virtual, or charge cards in applicable jurisdictions.
Streamlined onboarding Get to market faster. Users can open a bank account and get cards in just a few steps.
Instant liquidity Let users skip the wait for acquired funds. Payments land in their account, ready to spend.
Intelligent fraud prevention Use Adyen Score and advanced machine learning algorithms to spot risky transactions and find malicious users. The system automatically searches for unusual behavior and flags it for your review.
Built-in compliance Offer full domestic and international transfers without regulatory burden or compliance risk. We own the banking infrastructure across the US, EU, and UK.
Become the financial operating system in the UK, EU and US for your customers
Make expense management easy. Give users the tools to track, report, and reconcile spend in real time.
Instant funding
Let SMBs fund their employee expense cards and do bank transfers when cards are insufficient.
Rapid onboarding
Open accounts and issue cards seamlessly using pre-existing KYC data.
Total control
Let users set custom spending limits with real-time approval workflows.
Unified ecosystem
Offer a full suite of financial products anchored by a central business account.
Streamline B2B payments. Let users pay suppliers directly from their balance while capturing new revenue.
Flexible payments
Pay via bank transfer or virtual card directly from a Business Account.
Built-in security
Protect balances with pre-funded, single-use virtual cards for every invoice.
Earn on spend
Turn accounts payable into a revenue stream by earning interchange on card payments.
Auto-reconciliation
Match every payment to its contract automatically with unique virtual card numbers.
The financial platform designed for platforms
Adyen’s single platform and international banking licenses in the UK, EU and US mean you can expand your offerings in respective regions.
Build with a licensed bank. Adyen holds banking licenses in the UK, EU, and US — giving us built-in access to networks like SEPA, ACH, and BACS. In addition, we’ll manage risk, KYC, and compliance for you.
Designed as one stack Get accounts, acquiring, issuing, and more all in the same place. Adyen’s unified platform lets you connect multiple products for a better customer experience.
Engineered for full accountability We’ve built everything from the ground up. You always know who holds your money and our system is designed to operate as one smooth experience.
Turn your platform into a financial hub
Accounts are part of Adyen’s broader Embedded Finance offering.
- Embedded PaymentsAccept, process, and settle money all over the world and across every channel.
- Embedded IssuingOffer branded physical and virtual cards, then earn interchange revenue. *Only available in the EU, UK and US.*
- Adyen CapitalProvide loans up to €100k. *Only available in the EU, UK, US, Australia and Canada.*
- CashOutOffer instant payouts 24/7. Earn revenue with every request. *Only available in the EU, UK, US and Australia.*
Build a card program that moves money faster
Fast to integrate. Faster to launch. Add business accounts to your platform and start earning from balances in days.