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Adyen Checkout API

by Adyen

Adyen is the payments platform of choice for global enterprises like Spotify, Uber, Microsoft, and McDonald's. The Checkout API handles card-present and card-not-present payments, digital wallets (Apple Pay, Google Pay), 150+ local payment methods across 200 countries, 3DS2 authentication, tokenization, and network tokenization. Adyen provides acquiring, processing, and issuing in a single platform with unified reporting.

paymentscardsglobalenterprise3dstokenizationwalletsacquiring

Quick Reference

Base URL https://checkout-test.adyen.com/v71 Auth type API Key Header Auth header X-API-Key: YOUR_ADYEN_API_KEY Rate limit 100 requests/sec (test) · Production limits based on contract Pricing Enterprise / contact sales Free quota Test environment is free for development Documentation https://docs.adyen.com/api-explorer/ Endpoint status Server online — HTTP 401 — server is online but path returned an error (may require auth)1.13s (checked Mar 29, 2026) Builder score B 66% builder-friendly
Pricing
75
Latency
30
Depth
86

Authentication

Use an API key for server-side requests. Pass it in the X-API-Key header. API keys are configured per merchant account in the Customer Area.

X-API-Key: YOUR_ADYEN_API_KEY

Pricing

Model pay-as-you-go Starting price Enterprise / contact sales Free quota Test environment is free for development

Adyen uses interchange++ pricing (interchange cost + processing fee). No monthly fees or setup costs. Pricing depends on volume and payment methods. Minimum processing volume of ~$1M/year typically required.

Key Endpoints

MethodPathDescription
POST /sessions Create a payment session (for Adyen Drop-in/Components)
POST /payments Process a payment with full card or token details
POST /payments/details Submit additional payment details (3DS, redirect)
POST /refunds Initiate a full or partial refund
POST /paymentLinks Create a hosted payment link
POST /orders Create a payment order for partial payments

Sample Request

curl "https://checkout-test.adyen.com/v71/payments" \
  -H "X-API-Key: $ADYEN_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"amount":{"currency":"USD","value":1000},"paymentMethod":{"type":"scheme","number":"4111111111111111","expiryMonth":"03","expiryYear":"2030","cvc":"737"},"reference":"ORDER-123","merchantAccount":"$MERCHANT_ACCOUNT"}'

Sample Response

{
  "pspReference": "853617893924194G",
  "resultCode": "Authorised",
  "amount": { "currency": "USD", "value": 1000 },
  "merchantReference": "ORDER-123"
}

Data sourced from API Map. Always verify pricing and rate limits against the official Adyen documentation.