The agreement requires merchants to fully indemnify Adyen for any fines levied by card scheme owners (such as Visa or Mastercard) resulting from merchant breaches of the Merchant Agreement or Scheme Rules, with fines noted in the document as ranging from 25,000 Euro to over 1 million Euro.
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
This provision requires merchants to bear the full financial cost of Scheme Owner fines without a stated cap, which may include fines for excessive chargebacks, security breaches, prohibited product sales, or resale of payment services. The document notes that Scheme Owners invoice these fines to Adyen as the contracting party, and Adyen then passes the obligation to the merchant through this indemnification clause.
Under this clause, merchants are contractually obligated to reimburse Adyen for the full amount of any fine levied by a card scheme owner attributable to merchant conduct, including fines that may exceed 1 million Euro. The agreement does not state a cap on this indemnification obligation.
Cross-platform context
See how other platforms handle Full Merchant Indemnification for Scheme Owner Fines and similar clauses.
Compare across platforms →"Merchant shall fully indemnify and hold Adyen harmless from any Fines applied by the Scheme Owners as a result of Merchant's breach of the terms of the Merchant Agreement and/or the Scheme Rules.Excerpt from Adyen's Terms
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This provision requires merchants to bear the full financial cost of Scheme Owner fines without a stated cap, which may include fines for excessive chargebacks, security breaches, prohibited product sales, or resale of payment services. The document notes that Scheme Owners invoice these fines to Adyen as the contracting party, and Adyen then passes the obligation to the merchant through …
Under this clause, merchants are contractually obligated to reimburse Adyen for the full amount of any fine levied by a card scheme owner attributable to merchant conduct, including fines that may exceed 1 million Euro. The agreement does not state a cap on this indemnification obligation.
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