AdyenADYEN

Why is Adyen interesting?

Adyen is a B2B payments processor that is streamlining the payments function for merchants globally, predominantly in the online world. Instead of using multiple vendors, Adyen offers clients all the payment steps (Gateway, Risk management, Issuing, Acquiring, Processing and Settlement) on one single platform.

The company’s success was built on servicing global Enterprise merchants which still account for most of the annual volume growth and have a churn rate lower than 1%. It has more recently broadened its offering to platform businesses which in turn cater to a long tail of SMEs.

Adyen has also developed a physical point-of-sales offering on the same platform that allows its merchants to have a comprehensive view of their clients’ transactions across sales channels. This market, Unified Commerce, is specifically targeted by Adyen for growth.

Adyen, Cash App: Commoditization & Switching Costs of Payment Processing Platforms

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Executive Bio

Former Product Lead at Cash App

Interview Transcript

Disclaimer: This interview is for informational purposes only and should not be relied upon as a basis for investment decisions. In Practise is an independent publisher and all opinions expressed by guests are solely their own opinions and do not reflect the opinion of In Practise.

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There is a narrative among the investor community and within the payment industry that PSPs are becoming a commodity business. I was curious to hear your opinion about it.

In the long run, I can see it. I think Cash App uses a few different PSPs, and there's always some inbounds. Each offers a new set of merchants that we get access to. It's a business with only a few interesting merchants for companies like Cash App, probably no more than 50. If you're a PSP provider and can bring some of those merchants to Cash App, we're interested. It's about competing on margin compression for those merchants.

This is a snippet of the transcript.to get full access.

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AdyenADYEN

Why is Adyen interesting?

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