Adyen Fee Calculator
Interchange plus plus, and when it wins.
Processor pricing varies by country, card type and whatever you negotiated, and it changes without much notice. Take the real figures from your own statement — these defaults are a starting point, not your account.
Adyen cost per transaction
€0.52
0.57% against 3.23% blended
Interchange plus plus saves €2.39 per transaction here — €143,640 a year at this volume. The saving is real but the cost becomes unpredictable, because it moves with your card mix rather than sitting at a fixed rate. Regulated European debit is where the model wins most.
How the Adyen Fee Calculator works
Adyen charges you the actual interchange, the actual scheme fee and a small fixed processing fee. That is cheaper than a blended rate whenever your card mix is favourable — and unpredictable, because the cost now moves with which cards your customers happen to use.
Not financial advice. Marketplace fees change, and they vary by country, plan and seller status. Every rate here is an editable default, not a quoted price — check the platform's current fee schedule before you price a product against it. This is not tax or business advice.
Frequently asked questions
What is interchange plus plus?
Pricing where interchange and scheme fees are passed through at cost and the processor adds a stated margin — in Adyen's case usually a fixed amount per transaction rather than a percentage.
When does it beat a flat rate?
At volume, and especially with regulated European debit where interchange is capped very low. A flat 2.9% on a card whose real interchange is 0.2% is enormously profitable for the processor and expensive for you.
What is the drawback?
Forecasting. Your cost per transaction now depends on your customers' card mix, which you do not control. Statements are also considerably more complex to reconcile.
Is there a volume minimum?
Adyen targets larger merchants and typically applies minimum monthly invoices. Below that scale the model rarely makes sense even when the per-transaction maths looks favourable.