Online payment gateway

Adyen Web review (2026)

Vendor: Adyen · Reviewed: 2026-05-11

Adyen Web is enterprise omnichannel gateway with bespoke pricing. Strong for mid-market and up. Adyen Web is Adyen's online payment gateway, delivered via a Drop-in component (hosted card form embedded in your site) or fully-hosted pay-by-link. Adyen is direct acquirer in the UK, EEA and globally, so a single Adyen contract covers in-person (Adyen Terminal) and online (Adyen Web) under one acquirer.

Editorial review in progress

Hands-on test of Adyen Web is scheduled. This page covers public-knowledge UK specifics: pricing, SCA handling, setup, pros and cons. We will add a verdict and overall rating after the hands-on test completes.

Who Adyen Web is best for

  • Mid-market and enterprise UK merchants
  • Omnichannel retailers running in-person + online + app on one stack
  • High-volume merchants where interchange-plus pricing wins on TCA
  • Multi-currency and cross-border UK-EEA merchants
  • Marketplaces and platforms (Adyen for Platforms)

Who should not use Adyen Web

  • Sub-£250k annual SMBs (Adyen sales-led, not self-service)
  • No-developer setups (requires integration work)
  • High-risk verticals: Adyen declines online gambling, adult, CBD on standard underwriting

UK pricing

Bespoke interchange-plus per merchant. Typical mid-market acquirer markup 0.30% to 0.50% on top of interchange. £0.10 per-transaction Adyen fee. Monthly platform fee starts £60. Volume discounts above £1m monthly.

UK specifics: Adyen N.V. is direct UK acquirer (FCA authorised). Settlement to UK business bank account. RevenueProtect fraud-prevention built in. Adyen for Platforms supports UK marketplace structures.

Recommended plan: Interchange-plus enterprise tier above £1m monthly card volume.

Pros

  • +Direct UK acquirer (not an ISO or aggregator)
  • +Best-in-class SCA exemption flagging
  • +True omnichannel: in-person + online + app under one acquirer
  • +Interchange-plus pricing wins on TCA at scale
  • +Strong fraud-prevention (RevenueProtect)
  • +Multi-currency and global coverage

Cons

  • ,Sales-led, not self-service (sub-£250k merchants get triaged out)
  • ,Setup time longer than Stripe or Shopify
  • ,Monthly platform fee starts ~£60
  • ,Higher developer effort than hosted-checkout alternatives

SCA / 3D Secure 2 support

SCA via 3D Secure 2 automatic. Adyen exemption-engine flags low-risk transactions for frictionless flow, improving UK ecommerce conversion 2 to 5 percentage points vs gateways that force every transaction through challenge.

Setup complexity

Medium to high. Drop-in component is straightforward but requires backend integration for full-fat features (recurring billing, marketplace splits). Sales-led onboarding typically 4 to 8 weeks.

Competitors and alternatives

Direct UK competitors to Adyen Web: Stripe Checkout, Worldpay Online, Barclaycard Smartpay, Cybersource.

FAQs

What is Adyen Web?

Adyen Web is Adyen's online payment gateway, delivered via a Drop-in component (hosted card form embedded in your site) or fully-hosted pay-by-link. Adyen is direct acquirer in the UK, EEA and globally, so a single Adyen contract covers in-person (Adyen Terminal) and online (Adyen Web) under one acquirer.

Who is Adyen Web best for in the UK?

Adyen Web is best for: Mid-market and enterprise UK merchants; Omnichannel retailers running in-person + online + app on one stack; High-volume merchants where interchange-plus pricing wins on TCA; Multi-currency and cross-border UK-EEA merchants; Marketplaces and platforms (Adyen for Platforms).

Who should not use Adyen Web?

Adyen Web is not the right fit for: Sub-£250k annual SMBs (Adyen sales-led, not self-service); No-developer setups (requires integration work); High-risk verticals: Adyen declines online gambling, adult, CBD on standard underwriting.

How much does Adyen Web cost in the UK?

Bespoke interchange-plus per merchant. Typical mid-market acquirer markup 0.30% to 0.50% on top of interchange. £0.10 per-transaction Adyen fee. Monthly platform fee starts £60. Volume discounts above £1m monthly.

Does Adyen Web handle SCA / 3D Secure 2?

SCA via 3D Secure 2 automatic. Adyen exemption-engine flags low-risk transactions for frictionless flow, improving UK ecommerce conversion 2 to 5 percentage points vs gateways that force every transaction through challenge.

How long does Adyen Web take to set up?

Medium to high. Drop-in component is straightforward but requires backend integration for full-fat features (recurring billing, marketplace splits). Sales-led onboarding typically 4 to 8 weeks.

Does Adyen Web work for both online and in-person payments?

Yes. Adyen runs an omnichannel acquirer setup: Adyen Web for online plus the Adyen terminal for in-person, sharing one merchant agreement.

What are the alternatives to Adyen Web?

Direct competitors in the UK market: Stripe Checkout, Worldpay Online, Barclaycard Smartpay, Cybersource.

Reviewed by Oliver Mackman, Director. Last reviewed: 2026-05-11.