This analysis describes what Adyen's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The clause allocates financial risk for card scheme compliance failures to the merchant rather than retaining it with Adyen as the payment processor. This shifts the cost of regulatory penalties and scheme enforcement actions downstream to the merchant entity.
Merchants using Adyen's services are obligated to bear the financial burden of card scheme fines arising from their processing activity or compliance failures. This obligation applies regardless of whether Adyen's systems or practices contributed to the underlying violation.
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"The merchant shall be liable for and shall indemnify Adyen against all fines, penalties, and assessments imposed by card schemes (including Visa, Mastercard, American Express, and others) arising from the merchant's processing activity, including but not limited to fines for excessive chargebacks, data breaches, or non-compliance with card scheme rules.— Excerpt from Adyen's Adyen Terms
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The clause allocates financial risk for card scheme compliance failures to the merchant rather than retaining it with Adyen as the payment processor. This shifts the cost of regulatory penalties and scheme enforcement actions downstream to the merchant entity.
Merchants using Adyen's services are obligated to bear the financial burden of card scheme fines arising from their processing activity or compliance failures. This obligation applies regardless of whether Adyen's systems or practices contributed to the underlying violation.
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