Achieved 23% year-over-year revenue growth in Q3 2025 on a constant currency basis, with net revenue reaching €598.4 million and broad-based strength across all business pillars and regions.
Growth was supported by wallet share expansion with existing customers, new customer additions, and consistent regional performance.
Processed volume totaled €346.9 billion, up 8% year-over-year, or 19% excluding a single large-volume customer whose impact on net revenue was limited.
Team expanded by 86 FTEs, mainly in commercial and tech roles, with significant hiring in North America and tech hubs like Chicago, Bengaluru, and Madrid.
Q3 net revenue growth reached 23% year-over-year on a constant currency basis, with a 1% benefit from settlement day timing.
Digital net revenue was €335.0 million, up 10% year-over-year; Unified Commerce net revenue reached €194.8 million, up 32%; Platforms net revenue was €68.6 million, up 50%.
Platforms pillar saw the number of underlying business customers rise to 212,000 from 126,000 a year ago.
Platforms segment now has 31 customers processing over €1 billion annually, up from 25 a year ago.
Full-year net revenue growth for 2025 expected to be similar to H1 on a constant currency basis.
Annual net revenue growth for 2026 refined to a range between low 20s and mid-20s percent.
EBITDA margin targeted to exceed 50% in 2026, leveraging operating efficiencies.
Q4 growth expected to be lower than Q3 due to settlement day headwinds and strong prior-year comparables.
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Adyen is one of the world's leading end-to-end payments platforms, enabling merchants to accept and process payments through its comprehensive payments infrastructure, both online and offline. Adyen has a broad product suite including integrated payment gateways, payment processing, virtual and physical card issuing, and acquiring processes for brick and mortar, ecommerce, and mobile. Every Adyen solution is built upon the same back-end infrastructure, which entails visibility and control across the entire value chain.
Further reading: The Payments Value Chain: A Complex Ecosystem
Adyen was founded in Amsterdam, 2006, by the current CEO Pieter van der Does and Arnout Schuijff. The company started out as a payment processor for online merchants, which still lies at its core. The business opportunity the founders observed was the mix of the rapidly growing ecommerce industry at the time, and the outdated infrastructure regarding payment processing supporting it. Thus, Adyen set off to build a financial technology platform for the modern era from the ground up, entirely in house. Having every part of the network built in house has proven to be a wise strategic choice, since this has entailed other business opportunities such as providing merchants with data analysis capabilities.
Adyen has a volume-based price offering, which has entailed that many online merchants have chosen Adyen at an early stage. Most of the company's competitors have operated with a flat pricing model instead, which has given Adyen advantages both in terms of attracting new customers and maintaining low churn over time. As of 2023, Adyen is one of the most highly valued companies within its specific niche, having surpassed a market cap of $40 billion. Some competitors who have been successful within the same field are Block, Paypal, and Stripe.
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