# Adyen **Type:** [[Payment Platform]] · [[Acquiring]] · [[Issuing]] (infrastructure) **Archetype:** [[eu-sme-fintech-market-map|Acquiring-led]] · also rails for others **HQ:** Amsterdam, Netherlands **Listed:** Euronext Amsterdam (ADYEN) **EU licence:** Adyen N.V. — Dutch National Bank (DNB) banking licence **Target:** Enterprise, omnichannel merchants, platforms; also infrastructure provider for fintechs --- Adyen is Europe's most significant payments infrastructure company. It holds a full banking licence from the Dutch National Bank — making it both a direct payment processor and a regulated financial institution capable of offering settlement, issuing, and acquiring services to third parties. **Core products:** - **Adyen for Platforms** — marketplace and platform payment infrastructure - **Adyen Terminal API** — in-person POS and unattended terminal integration - **Adyen Online** — card-not-present acquiring (online checkout) - **Adyen Issuing** — commercial card programme creation and management; used by [[wamo]] (card processing) and others as infrastructure - **Adyen Pay by Link** — payment links for remote collection - **Adyen for Retail / F&B / Hospitality** — vertical-specific POS solutions **Key context for the graph:** Adyen appears in two roles simultaneously: as a **direct acquiring provider** for enterprise merchants, and as the **card issuing and processing infrastructure** inside products like [[wamo-emi-case-study|wamo]]. When wamo issues a Visa card, Adyen processes the transaction. This dual role makes Adyen one of the most connected nodes in the EU fintech graph. **Connected:** [[Acquiring]] · [[Issuing]] · [[eu-sme-fintech-market-map]] · [[Stripe]] · [[wamo-emi-case-study]] · [[Visa]] · [[DNB]] · [[PSD2]] *FintechGraphs · [[about|Who we are]]*