Adyen Terms

This document sets out the rules under which Adyen processes and settles payments for businesses that use its platform. Adyen can change its prices or contract terms with advance notice, and the Merchant has no right to block those changes. Adyen can freeze or withhold funds, offset amounts owed against the Merchant's balance, and cut off payment processing immediately if it suspects a legal violation or fraud — and the Merchant remains on the hook for chargebacks and related costs even after the agreement ends.

These Terms establish the contractual framework governing Adyen's provision of payment processing and settlement services to Merchants. Adyen retains unilateral authority to amend terms on 30 days' written notice and to raise prices on three months' notice, with no Merchant veto right in either case. Adyen's total liability to the Merchant in any calendar year is capped at the Processing Fees paid by the Merchant in the previous full calendar year. Adyen holds broad enforcement powers, including the right to immediately terminate the agreement or halt transaction processing upon reasonable suspicion of legal non-compliance, and to withhold settlement of Captured transactions suspected of fraud, illegality, or Chargeback exposure for the duration of its investigation. Post-termination, Adyen retains the right to recover Chargebacks, Chargeback Fees, and related Fines for all transactions effected during the term.

This document governs the relationship between Adyen and Merchants, not individual consumers directly. For an individual user interacting with a Merchant that uses Adyen, the most concrete effect is that Adyen prohibits Merchants from collecting payment card details on their own websites and requires use of Adyen's Hosted Payment Pages instead, meaning card data is entered directly into Adyen's infrastructure rather than the Merchant's. Adyen may also withhold settlement of transactions it suspects are fraudulent or likely to result in a chargeback, which can affect whether and when a Merchant fulfills orders. No individual consumer opt-out or preference mechanism is established in the verified provisions.