The significance of cross-border transactions in Adyen's operations.
In the dynamic world of global payments, Adyen stands as a globally significant processor, catering to leading brands such as Uber, eBay, McDonald's, and Microsoft [2]. The company's business has seen growth and a shifting volume mix, but the exact contribution of cross-border payments remains elusive [1].
Adyen's roots trace back to ecommerce payment provision, expanding to offer solutions across retail and online settings [3]. The company supports cross-border payments across all its channels with local acquiring, ensuring seamless transactions for merchants and customers alike [4].
In the first half of 2025, Adyen processed a staggering €649 billion in total payment volume, with net revenue rising 20% YoY to €1,093 million [1][5]. While the growth is attributed to wallet share expansion and merchant mix, the segmentation between cross-border and domestic volumes or revenues is not explicitly reported in recent earnings or financial summaries [1][5].
Geographically, Adyen's payments volume and revenue are distributed across EMEA (58%), North America (27%), Asia-Pacific (10%), and Latin America (5%), suggesting a substantial portion involves cross-border payment activities given Adyen’s global merchant base [1]. However, explicit identification of cross-border payments as a proportion of total volume or revenue is not provided in the sources.
Analyst commentary suggests cross-border payments generally carry higher fees and can contribute disproportionately to net revenue [1]. Yet, Adyen has not quantified this premium impact for 2025. Changes in merchant mix and wallet share, including cross-border use cases with platforms like Alipay, influence take rates, but they do not isolate the cross-border payment impact on the bottom line [1][3].
The insights from the Paris Olympics are being considered in the analysis of Adyen's cross-border payments performance [6]. Estimates would require modeling based on merchant geography and mix, which is not given in the current public financial disclosures.
In summary, Adyen's total payment volume is substantial, with a significant global reach implying a meaningful share of cross-border payments. However, the company has not publicly disclosed specific figures for what percentage of volume is cross-border nor its direct revenue or profitability contribution as of mid-2025 [1].
For those interested in delving deeper into cross-border payments globally, free access to extensive research and analysis, including an industry-leading newsletter, is available by creating an account [7].
[1] Adyen (2025). Adyen Q2 2025 Earnings Release. Retrieved from [https://www.adyen.com/en-GB/investors/results-and-reports/q2-2025] [2] Adyen (n.d.). Merchants. Retrieved from [https://www.adyen.com/en-GB/merchants] [3] Adyen (n.d.). About us. Retrieved from [https://www.adyen.com/en-GB/about] [4] Adyen (n.d.). Cross-border payments. Retrieved from [https://www.adyen.com/en-GB/cross-border-payments] [5] Adyen (2025). Adyen Q2 2025 Earnings Presentation. Retrieved from [https://www.adyen.com/en-GB/investors/results-and-reports/q2-2025] [6] Paris Olympics (2024). Adyen powers payments for the Paris 2024 Olympic and Paralympic Games. Retrieved from [https://www.adyen.com/en-GB/news/adyen-powers-payments-for-the-paris-2024-olympic-and-paralympic-games] [7] Adyen (n.d.). Cross-border insights. Retrieved from [https://www.adyen.com/en-GB/cross-border-insights]
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