The critical role of cross-border transactions in Adyen's operations.
In a recent article published on LinkedIn, author Lucy Ingham delves into the importance of cross-border payments at Adyen, a significant global payments processor that supports leading brands such as Uber, eBay, McDonald's, and Microsoft.
Adyen, known for its versatile payment solutions, supports cross-border payments across all its channels. However, the exact contribution of cross-border payments to its business remains unclear, as the company has not provided any numbers breaking out this contribution since June 2018.
The article provides context for this discussion through Adyen's H1 2024 earnings report. The report indicates that while Adyen's total payments volume grew modestly (5% in H1 2025), revenue grew faster (20%), suggesting effects from pricing and service mix changes rather than just volume growth.
Cross-border payments, heavily impacted by global trade policies and tariffs, represent a material component of Adyen’s business. The company has highlighted that trade wars and tariff changes have weighed on its online retail customers, particularly those headquartered in Asia-Pacific selling into the U.S.
Adyen's geographic revenue distribution shows that 56.9% of its revenue comes from EMEA, 26.6% from North America, 10.3% from Asia Pacific, and 5.3% from Latin America. A significant share of revenues and payments involves international commerce among these regions, implying a large cross-border component.
Adyen supports 280+ payment methods, including local currencies and wallets, positioning itself to handle cross-border and localized payment flows. The company uses AI-driven routing to optimize costs and authorization rates in cross-border contexts.
While specific volume or revenue percentages from cross-border payments are not given, the company’s sensitivity and business strategy related to trade policies strongly suggest a significant portion of Adyen's volume and revenue comes from cross-border transactions.
The article encourages readers to create a free account to access extensive research and analysis on cross-border payments globally. It aims to provide a comprehensive understanding of the significance of cross-border payments at Adyen, shedding light on retail growth and changes in Adyen's volume mix. The Paris Olympics offer insights into Adyen's cross-border payment performance.
Adyen offers payment solutions for both retail and online settings, positioning itself as a versatile choice for businesses looking to expand their reach across borders. Despite the lack of precise figures, it is clear that cross-border payments constitute a significant portion of Adyen's business offering.
- For Adyen, a leading global payments processor supporting businesses like Uber, eBay, McDonald's, and Microsoft, cross-border payments represent a substantial component of its business, particularly due to their sensitivity to global trade policies and tariffs.
- The versatile payment solutions provided by Adyen, designed for both retail and online businesses, imply a significant portion of its business involve cross-border transactions, given that it supports 280+ payment methods, including local currencies and wallets.
