# Adyen Checkout API

**Provider:** Adyen
**Category:** payments
**Base URL:** `https://checkout-test.adyen.com/v71`
**Auth:** api-key — `X-API-Key: YOUR_ADYEN_API_KEY`
**Rate Limit:** 100 requests/sec (test) · Production limits based on contract
**Free Tier:** No
**Pricing:** Enterprise / contact sales (pay-as-you-go)
**Docs:** https://docs.adyen.com/api-explorer/

## Description

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.

## Endpoints

| Method | Endpoint | Description |
|--------|----------|-------------|
| POST | `https://checkout-test.adyen.com/v71/sessions` | Create a payment session (for Adyen Drop-in/Components) |
| POST | `https://checkout-test.adyen.com/v71/payments` | Process a payment with full card or token details |
| POST | `https://checkout-test.adyen.com/v71/payments/details` | Submit additional payment details (3DS, redirect) |
| POST | `https://checkout-test.adyen.com/v71/refunds` | Initiate a full or partial refund |
| POST | `https://checkout-test.adyen.com/v71/paymentLinks` | Create a hosted payment link |
| POST | `https://checkout-test.adyen.com/v71/orders` | Create a payment order for partial payments |

## 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
```

## Sample Request

```bash
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

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

## Pricing Details

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.

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*Source: [API Map](https://apimap.dev/apis/adyen/) — CC BY 4.0*