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 establishes Adyen's authority to restrict access to merchant settlement funds and offset amounts against future payouts based on risk assessments determined unilaterally. The mechanism operates without requirement for advance notice and applies Adyen's discretionary judgment regarding financial exposure.
Merchants operating under this provision are subject to potential withholding of settlement funds and establishment of rolling reserves at Adyen's discretion, and are subject to offset and deduction of amounts owed from settlement proceeds without prior notification. The provision establishes that merchants' access to settlement funds may be restricted pending Adyen's risk assessment.
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"Adyen may withhold settlement funds and/or establish a rolling reserve if Adyen determines, in its sole discretion, that there is an elevated risk of chargebacks, fraud, or other financial exposure. Adyen may apply, set off, or deduct any amounts owed by the merchant from settlement funds without prior notice.— Excerpt from Adyen's Adyen Terms
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This provision establishes Adyen's authority to restrict access to merchant settlement funds and offset amounts against future payouts based on risk assessments determined unilaterally. The mechanism operates without requirement for advance notice and applies Adyen's discretionary judgment regarding financial exposure.
Merchants operating under this provision are subject to potential withholding of settlement funds and establishment of rolling reserves at Adyen's discretion, and are subject to offset and deduction of amounts owed from settlement proceeds without prior notification. The provision establishes that merchants' access to settlement funds may be restricted pending Adyen's risk assessment.
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