Adyen Capital

What it is

Adyen Capital is Adyen’s embedded financing program for Adyen for Platforms businesses that want to offer business financing to their users. Product page: embed financing directly into your platform, in your branding, with a revenue share on every loan, and with credit risk, regulatory compliance, and underwriting sitting with Adyen. Docs overview: build an embedded financing offering so eligible users get business financing from Adyen through APIs or low-code UI components. Adyen assesses risk upfront and proactively creates offers. Funds pay out to the user’s balance account or transfer instrument without a separate traditional application process. Users repay daily based on a fixed percentage of processed volume through Adyen, and pay one transparent fixed fee with no interest and no hidden costs on the docs overview.

Two integration shapes sit on the current Capital docs and product page: UI components (Platform Experience Capital Overview and Capital Offer components handle offers, Terms of Service, and disbursement with minimal engineering) and API-only (Capital API for a custom UI, including static or dynamic grant offers). Get started docs: you must have an Adyen for Platforms integration, users must operate in a supported country or region, and setup starts by contacting Adyen to register interest. Product CTAs are Talk to us and See docs. Docs overview also has Request an invite.

This page is Adyen Capital for platforms: financing a software platform offers to its merchants on Adyen for Platforms. Adjacent Adyen products are Adyen’s. They are not this page. Adyen acquiring, Adyen for Platforms payments, Adyen Issuing, embedded business accounts, and CashOut are Adyen’s. They are not this page.

Who it’s for

Partner shapes, from Adyen’s Capital product, Capital docs, and Canada Capital press:

• Vertical SaaS and software platforms on Adyen for Platforms, which product copy sells as the companies that embed Capital so customers fund cash flow and growth inside the platform, and which Get started treats as the required integration type.
• Marketplaces, which Capital docs name alongside platforms as the businesses that offer financing to users within the marketplace.
• Platforms already processing on Adyen, which How Capital works treats as the underwriting base: offers come from Adyen payments data on the platform. Eligibility requires processed payments with Adyen for at least three consecutive months (90 days) and processing volume of at least 1,000 EUR, GBP, USD, or AUD for a minimum of three consecutive months, among other rules. Meeting those minimums does not guarantee an offer.

Platform intake is Talk to us on adyen.com/capital, Request an invite on docs.adyen.com/capital, and Contact us / your Adyen contact on Get started. That is a sales and solutions conversation, not a public self-serve partner live start. Product marketing says go live in under a week with pre-built components. Get started still requires an Adyen contact to design the implementation, configure Capital capabilities, and go live on a live balance platform. Those lines do not describe the same intake path.

It is a fit for an Adyen for Platforms business that wants branded or component-hosted SME capital inside the product, will complete an Adyen Capital conversation, and does not want to hold underwriting or funding liability itself.

Standout details

• Platform Capital surface (current pages). adyen.com/capital is platform-first: embed financing into your platform, whitelabeled experience, revenue share, Adyen carries credit risk. docs.adyen.com/capital is the same program for Adyen for Platforms and marketplaces. There is no separate merchant-only Dashboard Capital product page equivalent to a merchant self-serve loan into a standalone Adyen merchant account on the surfaces used for this listing. Treat Capital here as the platforms / offer-to-merchants product.
• Offer structure and repayment (as printed). How Capital works: each offer has principal amount, fixed fee, daily repayment rate (percentage of daily net captured volume reserved toward principal plus fee), 30-day repayment threshold, and maximum repayment period. Docs overview and Canada press: one flat fixed fee, no interest, no late payment or hidden fees on the printed claims. Capital API grantOffers: contractType can be loan or cashAdvance; fee can include aprBasisPoints for informational APR in basis points; loan contractType can carry maximumDays. Capital components: users pick grant amount on a slider and term durations of 3, 6, or 12 months, with daily repayment rate shown per option. Components also say the grant amount a user may apply for through components generally ranges from EUR 500 to EUR 50,000 (or local equivalent). Product page: quick access to up to $100k of flexible financing. Those max-amount lines do not agree. This listing does not reprint a fee schedule. Scheduled repayment is the default. Unscheduled / early repayment is available in certain regions and via components bank-transfer details. Subsequent grants after partial repayment (renewal) are Limited availability / pilot: reach out to your Adyen contact.
• Eligibility and geography (as printed). Capital docs supported countries/regions: Finland, France, Netherlands, Spain, Sweden, United Kingdom (including Channel Islands and Isle of Man), Canada (excluding Saskatchewan), United States (including Puerto Rico), Australia. Product page shorthand: US, UK, EU, Australia, and Canada. How Capital works eligible legal-entity table lists Australia, Canada, Finland, France, Sweden, United Kingdom, and United States with organization / partnership / sole prop / trust checkmarks that vary by country. Netherlands and Spain appear on the supported-countries list and are missing from that legal-entity table. Treat supported-country versus legal-entity-table coverage as vendor copy that does not agree. Minimum processing history and volume as above. High-risk industries are excluded per payment risk categorization. Higher financing amounts can trigger extra KYC / AnaCredit-style data collection (often from about EUR 25,000 combined exposure, with Spain noted from EUR 3,000 for organizations on the collect-user-data table).
• Ops and pricing. Get started: Contact us to register interest, then scope with an Adyen contact, build on test, and configure live. Product: Talk to us. Docs: Request an invite. UI components and Capital API are documented once you are in. Marketing: go live in under a week with components; funds within hours, seven days a week on product copy; Canada press: funding within hours. There is no public platform revenue-share rate card on adyen.com/pricing for Capital. Public pricing: not published. Production for a new platform is sales-led.
• License and legal (as printed). Originating entities vary by region as in license_posture. Components guide: do not alter text that loans are provided by Adyen or its local branches, and keep country notices such as ECOA in the United States. Marketing guidelines require Adyen pre-approval of Capital collateral (merchantkyc@adyen.com). Ireland Capital UI rules and UK Consumer Credit Act non-regulated-credit disclosure appear in compliance docs. Adyen N.V. DNB credit-institution authorisation and US federal-branch licensing are on Adyen licenses pages. No complete public US state Capital license roster was found on the pages used here.
• Scale figures are Adyen’s and do not agree across pages. Product page: 50% of small businesses sometimes need a small loan; $48B untapped lending opportunity in North America and Europe; 94% of SMBs need better access to working capital; 80% of businesses who get Capital funding return for a second loan. Fresha block on the Capital page: scaled to 7 global markets in just weeks, issued over $5.5M in under 3 months to SMBs, 80% of businesses return for a second loan. Canada press (7 Jul 2025): same 80% return line, plus BCG-cited Canadian SMB financing stats. Treat those as vendor copy from specific pages, not a single audited figure. Founded year in frontmatter follows adyen.com/about: founded in 2006 in Amsterdam. Headquarters follows the same About and company milestones copy: Amsterdam, the Netherlands.
• Named on current Adyen Capital product or Capital press surfaces (vendor-named): Fresha (Capital page case and merchant quote branded Fresha Capital), Epos Now (Canada Capital press). Attribute as Adyen-named platforms and quotes, not as independent verification.

Sources: Adyen Capital, Capital docs, How Capital works, Get started, Capital components, Collect user data, Additional financing, User application and interface, Marketing and communication, Capital grantOffers API, Canada Capital press, About Adyen, EMEA licenses, United States licenses.

Honest verdict

Adyen Capital is the listing to read when the job is embedded working capital for a software platform’s merchants on Adyen for Platforms: component or API grants, sales-linked repayment from Adyen volume, a fixed fee rather than compounding interest on the printed docs, and Adyen running underwriting and funding so the platform does not take the credit liability. Adjacent Adyen products are Adyen’s. They are not this page.

What it is not: a published platform rate card, financing for users outside an Adyen for Platforms balance platform, a self-serve live start with no Adyen conversation, or consumer checkout installment credit as the core product. Talk to us and Request an invite are the intake. Financing type on the API is loan or cashAdvance, and Adyen or a local Adyen entity is the named provider by region. Product max-amount copy and components qualifying-limit copy do not agree. Supported-country lists and the legal-entity eligibility table do not fully agree. If you are not on Adyen for Platforms and will not complete a Capital conversation, stop. If the job is branded SME capital inside your product for merchants already processing on Adyen, start here.