Adyen NV
AEX:ADYEN
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Adyen NV
Adyen NV, a powerhouse in the realm of payment technology, has carved a unique niche for itself by offering an end-to-end payment solution that caters to high-profile clientele like Uber, Spotify, and eBay. Founded in 2006 in Amsterdam, Adyen set out with a bold mission: to facilitate seamless, cross-border commerce through a single platform. Unlike many traditional competitors, which rely on a patchwork of systems, Adyen’s platform is built from the ground up, providing businesses with the ability to process payments across multiple channels—be it in-store, mobile, or online—without the friction of third-party involvement. This approach not only simplifies transaction processes but also allows Adyen to provide valuable data insights and enhance its user experience.
Adyen's revenue model hinges on transaction processing fees, which are derived from the myriad payments it facilitates daily for its clients. In simple terms, whenever a customer makes a purchase through a retailer using Adyen's system, Adyen takes a small percentage of the transaction as its fee. By maintaining direct relationships with card networks and financial institutions, it offers competitive pricing and quicker settlements, enhancing its appeal to merchants seeking efficiency and cost-effectiveness. Beyond transaction fees, Adyen leverages subscription services and additional merchant services, allowing businesses to manage risk, optimize operations, and expand international operations, further reinforcing its status as an all-encompassing solution for global payment needs.
Adyen NV, a powerhouse in the realm of payment technology, has carved a unique niche for itself by offering an end-to-end payment solution that caters to high-profile clientele like Uber, Spotify, and eBay. Founded in 2006 in Amsterdam, Adyen set out with a bold mission: to facilitate seamless, cross-border commerce through a single platform. Unlike many traditional competitors, which rely on a patchwork of systems, Adyen’s platform is built from the ground up, providing businesses with the ability to process payments across multiple channels—be it in-store, mobile, or online—without the friction of third-party involvement. This approach not only simplifies transaction processes but also allows Adyen to provide valuable data insights and enhance its user experience.
Adyen's revenue model hinges on transaction processing fees, which are derived from the myriad payments it facilitates daily for its clients. In simple terms, whenever a customer makes a purchase through a retailer using Adyen's system, Adyen takes a small percentage of the transaction as its fee. By maintaining direct relationships with card networks and financial institutions, it offers competitive pricing and quicker settlements, enhancing its appeal to merchants seeking efficiency and cost-effectiveness. Beyond transaction fees, Adyen leverages subscription services and additional merchant services, allowing businesses to manage risk, optimize operations, and expand international operations, further reinforcing its status as an all-encompassing solution for global payment needs.
Strong Revenue Growth: Adyen delivered 23% year-over-year revenue growth in Q3 2025 on a constant currency basis, with solid performance across all business pillars.
Pillar Highlights: Digital net revenue rose 10% YoY, Unified Commerce grew 32% YoY, and Platforms surged 50% YoY, reflecting continued momentum and a diversified customer mix.
Platform Expansion: The number of business customers on platforms reached 212,000, up from 126,000 last year, signaling strong traction and future growth potential.
Outlook Maintained: Guidance for full-year net revenue growth remains similar to H1, with expectations for EBITDA margin expansion; refined 2026 growth target to low-to-mid 20s percentage range.
Hiring Continues: Adyen added 86 net new employees in Q3, mostly in commercial and tech roles, and expects this hiring pace to continue.
Settlement Timing Impact: Q3 revenue growth was supported by a 1% settlement day tailwind, with a similar-sized headwind expected in Q4.
Management
, known for his role at Adyen NV, a leading global payments company. He serves as the Chief Commercial Officer (CCO) at Adyen, where he is responsible for the company's commercial strategies and growth initiatives. In this capacity, Prins plays a pivotal role in expanding Adyen's global footprint and strengthening its relationships with major merchants and partners. Before joining Adyen, Roelant Prins accumulated valuable experience in the financial sector. His expertise in sales, customer relationship management, and market expansion has been instrumental in Adyen's success. Under his leadership, Adyen has continued to innovate in the payments industry, providing seamless and efficient payment solutions to businesses worldwide. Prins holds a background in business and finance, which has equipped him with the insights and strategic vision necessary to navigate the complex landscape of fintech. His work has contributed significantly to Adyen's reputation as a pioneer in digital payments, helping the company to gain the trust of globally recognized brands. His leadership is characterized by a focus on customer-centric solutions, innovation, and a commitment to maintaining Adyen's position at the forefront of the payments industry. Through his efforts, Prins has helped shape Adyen's approach to managing merchant relationships and enhancing the overall payment experience.
Before joining Adyen, Roelant Prins accumulated valuable experience in the financial sector. His expertise in sales, customer relationship management, and market expansion has been instrumental in Adyen's success. Under his leadership, Adyen has continued to innovate in the payments industry, providing seamless and efficient payment solutions to businesses worldwide.
Prins holds a background in business and finance, which has equipped him with the insights and strategic vision necessary to navigate the complex landscape of fintech. His work has contributed significantly to Adyen's reputation as a pioneer in digital payments, helping the company to gain the trust of globally recognized brands.
His leadership is characterized by a focus on customer-centric solutions, innovation, and a commitment to maintaining Adyen's position at the forefront of the payments industry. Through his efforts, Prins has helped shape Adyen's approach to managing merchant relationships and enhancing the overall payment experience.
Ms. Mariette Bianca Swart serves as the Chief Risk and Compliance Officer at Adyen NV. In this role, she is responsible for overseeing the company's adherence to regulatory requirements and managing the various risks associated with its operations. With a strong background in compliance, risk management, and financial technology, Ms. Swart plays a key role in ensuring that Adyen maintains its reputation for reliability and security in the payments industry. Her leadership helps drive the company's strategic initiatives while mitigating potential risks that could impact its global operations.
Ms. Brooke A. Nayden serves as the Chief Legal Officer at Adyen NV. In her role, she is responsible for overseeing all legal and regulatory matters pertaining to the company, ensuring compliance with international standards and supporting Adyen's global operations. Her leadership in legal strategy solidifies corporate governance and enhances risk management. With extensive experience in legal fields related to financial technology, Ms. Nayden contributes significantly to navigating the complex regulatory landscapes that impact Adyen's business activities around the world.
Hemmo Bosscher is the Senior Vice President of Product Data and Research Services at Adyen, a leading global financial technology platform known for its e-commerce, mobile, and point-of-sale payment solutions. In his role, Hemmo is responsible for overseeing the development and enhancement of Adyen’s product offerings, particularly in the areas of data management and research services. His work focuses on harnessing data to drive innovation, improve customer experiences, and expand Adyen's capabilities in the financial tech space. Hemmo Bosscher's expertise lies in product strategy and data-driven solutions, making significant contributions to Adyen's strategic projects and product lines. He plays a critical role in navigating the dynamic landscape of payment solutions, ensuring Adyen's products remain competitive and technologically advanced. His leadership at Adyan has helped in shaping the company’s strategic initiatives and sustaining its growth trajectory in the competitive fintech industry.
Hemmo Bosscher's expertise lies in product strategy and data-driven solutions, making significant contributions to Adyen's strategic projects and product lines. He plays a critical role in navigating the dynamic landscape of payment solutions, ensuring Adyen's products remain competitive and technologically advanced.
His leadership at Adyan has helped in shaping the company’s strategic initiatives and sustaining its growth trajectory in the competitive fintech industry.
Paul A. Cook serves as the Chief Commercial Officer (CCO) at Adyen NV, a Dutch payment company known for its innovative and comprehensive payment solutions for businesses globally. As CCO, Cook plays a pivotal role in overseeing the company's commercial strategy, aimed at growing its market presence and strengthening customer relationships. His work involves aligning Adyen's sales, marketing, and partnership efforts to drive revenue growth and customer satisfaction. Under his leadership, the company focuses on forging strategic partnerships and ensuring Adyen's offerings remain competitive and aligned with the evolving needs of merchants. Cook's extensive background in commercial leadership and his strategic vision contribute significantly to Adyen's mission to streamline and enhance payment processes worldwide.
Warren Hayashi is a prominent business executive known for his role as the President of Asia-Pacific at Adyen NV, a globally recognized payments company. In his capacity, Hayashi has been instrumental in steering the company's growth and operations across the Asia-Pacific region, focusing on expanding Adyen's presence and adoption in various markets. Before joining Adyen, Hayashi accrued significant experience in the financial services and payments industries. He was a senior executive at Visa, where he held multiple strategic roles in product development and client relationships, working to expand Visa's footprint in the Asia-Pacific region. His background also includes work at companies such as McKinsey & Company, where he was involved in consulting across various sectors, providing him with insights into business strategy and operations. Hayashi's leadership is marked by a deep understanding of the payments landscape, an ability to navigate the complexities of different markets in Asia, and a commitment to innovation and client service. His vision and strategic direction have contributed to Adyen's reputation as a reliable and forward-thinking partner for businesses looking to optimize their payment processes globally. Overall, Warren Hayashi is recognized for his contributions to advancing Adyen's mission to simplify and accelerate payments for businesses in one of the most dynamic and diverse regions in the world.
Before joining Adyen, Hayashi accrued significant experience in the financial services and payments industries. He was a senior executive at Visa, where he held multiple strategic roles in product development and client relationships, working to expand Visa's footprint in the Asia-Pacific region. His background also includes work at companies such as McKinsey & Company, where he was involved in consulting across various sectors, providing him with insights into business strategy and operations.
Hayashi's leadership is marked by a deep understanding of the payments landscape, an ability to navigate the complexities of different markets in Asia, and a commitment to innovation and client service. His vision and strategic direction have contributed to Adyen's reputation as a reliable and forward-thinking partner for businesses looking to optimize their payment processes globally.
Overall, Warren Hayashi is recognized for his contributions to advancing Adyen's mission to simplify and accelerate payments for businesses in one of the most dynamic and diverse regions in the world.
Eric Morse is a notable figure at Adyen NV, serving as a key executive. At Adyen, which is a leading global payments company headquartered in the Netherlands, Morse holds the role of Chief North America Officer. In this capacity, he is responsible for overseeing and expanding Adyen's operations across the North American market. His leadership is pivotal in driving growth, fostering strategic partnerships, and ensuring that the company's solutions meet the diverse needs of businesses in the region. Morse’s role involves integrating Adyen's comprehensive payment solutions to enhance customer experience and streamline payment processes for a wide range of industries.