Licenses & Disclosures

United States Licenses

USA Acquiring

Adyen’s strategy is to always control the payment value chain end-to-end. In the USA, Adyen is therefore directly connected to the Visa and Mastercard systems.

Adyen is a Third Party Processor of Wells Fargo Bank, NA, Concord, CA 94524.
Adyen is a Third Party Processor of Deutsche Bank AG, New York, NY, 10005.

Adyen also has acquiring capabilities across Australia, Brazil, Canada, Europe, Hong Kong, Japan, Malaysia, New Zealand, Puerto Rico, Singapore, United Arab Emirates. For more information see Adyen Global Acquiring.

USA Money Transmitter Licenses

Adyen, Inc. is licensed as a money service business in certain U.S. jurisdictions. Should you have any complaints regarding our money transmission services, first please send an email to

If you still have an unresolved complaint regarding the Adyen's money transmission services, see the additional information provided below for specific jurisdictions:

For Alaska Residents Only:

If your issue is unresolved by Adyen, Inc. +1 (415) 367-1502  please submit formal complaints with the State of Alaska, Division of Banking & Securities.
Formal complaints must be in writing, please download the form here:
Formal complaint forms may be submitted via:

  • Fax:  +1 (907) 465 1230
  • Email:
  • Mail:  Division of Banking & Securities PO Box 110807 Juneau, AK  99811-0807

If you have questions regarding formal complaints, please call +1 (907) 465 2521

Canadian Regulatory Disclosures

Information Summary and Fee Disclosure Box

The Information Summary Box and Fee Disclosure Box can be found here.

Code of Conduct for the Credit and Debit Card Industry for Canada

Adyen for its payment service activities in Canada commits to support and adhere to the voluntary Code of Conduct for the Credit and Debit Card Industry, introduced by the Minister of Finance on May 17, 2010. To review a copy of the Code, please visit the Canadian Ministry of Finance website.

90 days notice for fee increases

Adyen is committed to providing merchants at least 90 days of notice of any fee increases or the introduction of a new fee related to credit or debit transactions. The notice period allows merchants to assess the impact of the change on their overall processing costs. We support the Code of Conduct’s directive to allow merchants to opt out of their contracts with Adyen, without penalty, within 90 days of notice of the fee increase or the introduction of a new fee.

Effective merchant discount rate

In support of the Code of Conduct, we have added information to our merchant settlement report to detail the Effective Merchant Discount Rate. The effective merchant discount rate is calculated as the total fees paid by the merchant to Adyen, related to the processing of a specific type of payment card from a payment card network, divided by the total sales volume for that type of payment card.  Please keep in mind that the charges will only appear if you accept the payment type during the billing period.

European Licenses

DNB license to operate in EEA

Adyen N.V. is licensed as Credit Institution by De Nederlandsche Bank and registered in the Netherlands under the company number 34259528. This includes the ability to provide cross-border services in the EEA.

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