Integration overview of Intelligent Money Movement

The following sections provide more details about each offering and their features.

Online payments

An online payments integration with Adyen enables you to accept payments from shoppers through your website, mobile app, or other digital channels. You can offer a seamless checkout experience while supporting a wide range of payment methods and currencies:

• Accept payments from customers worldwide using their preferred payment methods.
• Process transactions securely with built-in fraud protection.
• Offer a seamless checkout experience across web and mobile.
• Support multiple currencies and local payment methods.
• Use Adyen-generated reports for your bookkeeping and reconciliation processes to ensure accurate accounting of funds.

Recommended integration for online payments

Your business requirements determine how you integrate online payments. We offer flexible integration options to suit different needs.

Accept payments

Determine the server-side flow and the user interface (UI) option for your online payments integration. If you are not an Adyen technology or service partner, you can alternatively integrate with a plugin that has Adyen payments functionality out of the box.

See more information:

• Plugins

The following subsections show the features that your integration needs for accepting payments.

Server-side choice

To build your online payments integration, first choose between the Sessions flow and the Advanced flow. This choice depends on the use cases that you need to support, and on the integration effort that you can handle.

See more information:

• Choose your server-side integration
• Sessions flow integration guide
• Advanced flow integration guide

Client-side choice

Then choose the integration type to match your client website or app.

• Drop-in is our fully pre-built UI for accepting payments. It is available for multiple platforms, such as Web, iOS, and Android.
• Components are customizable UI components for accepting payments. This option too is available for multiple platforms.
• API only means you use the Advanced flow on the server side, and build your own UI for accepting payments.

Whatever solution you choose, ensure it can process 3DS2 payments in regions where it is mandatory.

See more information:

• In the Sessions flow or Advanced flow integration guide, switch between Drop-in and Components for your platform to see the differences between these UI options.
• 3D Secure 2 authentication

Add payment methods

After you build your payment server and client-side UI, add the payment methods that you want to offer to your shoppers.

For example, you should offer the payment methods that are most popular in your target markets:

• Credit and debit cards
• Digital wallets (Apple Pay and Google Pay)
• Buy-now-pay-later options
• Local payment methods (for example: iDEAL, Pix, UPI)
• Bank transfers

See more information:

• Payment methods that we support.

Select payment features

The following subsections show features that you can select to make online payments easier and more secure.

3D Secure 2 authentication

3D Secure 2 is an authentication protocol that helps verify the identity of shoppers during online card payments. It reduces fraud and shifts liability for chargebacks from you to the card issuer for authenticated transactions.

This type of authentication is mandatory in regions like the European Economic Area (EEA) under Strong Customer Authentication (SCA) requirements. Even in regions where it is not mandatory, 3D Secure 2 authentication can help reduce fraud and improve authorization rates.

See more information:

• 3D Secure 2 integration guide

Tokenization

Tokenization allows you to securely store shoppers' payment details to make recurring payments more efficiently. Instead of storing sensitive card data, you store a token that references the payment details held securely by Adyen.

Use tokenization to:

• Enable one-click payments for returning shoppers.
• Set up recurring payments that you initiate, like subscriptions and automatic top-up.
• Reduce PCI compliance scope by not handling raw card data.

See more information:

• Tokenization integration guide

Express checkout

Express checkout enables shoppers to complete purchases with fewer steps, using saved payment methods from digital wallets like Apple Pay and Google Pay. Shoppers can skip manual entry of payment and shipping details.

See more information:

• Express checkout integration guide
• Apple Pay
• Google Pay

Modify payments

The following subsections show how you can modify payments after these have been authorized.

Capture

After a payment is authorized, you must capture it to transfer the funds from the shopper to your account. You can capture payments manually or configure automatic capture.

Use manual capture when you need to:

• Verify stock availability before charging the shopper.
• Delay charging until goods are shipped.
• Capture partial amounts.

See more information:

• Capture

Cancel

Cancel an authorized payment before it is captured to release the reserved funds back to the shopper. This is useful when an order cannot be fulfilled or the shopper changes their mind.

See more information:

• Cancel

Refund

Refund a captured payment to return funds to the shopper. You can issue full or partial refunds depending on your business needs.

See more information:

• Refund

Reversal

Use a reversal when you do not know the current state of a payment. Adyen determines whether to cancel or refund the payment based on its status. This is useful for error recovery scenarios.

See more information:

• Reversal

In-person payments

With Adyen's in-person payments solution you can build a feature-rich point-of-sale integration that:

• Is supported around the world in many languages.
• Enables you to accept global and local payment methods.
• Lets you choose from a wide range of fully-certified and PCI-compliant Adyen payment terminals.
• Matches your business needs, and your choice of network architecture.

The following subsections explain the main features of Adyen's in-person payments offering.

Terminal API integration

Our Terminal API is based on an industry standard communication protocol called nexo Retailer Protocol, and supports all operations that a modern POS system offers.

A Terminal API integration uses PCI-certified payment terminals that are supplied by Adyen. These terminals are capable of interpreting Terminal API messages.

To begin, have a look at the integration checklist.

Standalone terminals

If you do not need a fully-featured POS system, you can use standalone terminals instead. This is our quickest way to start accepting in-person payments. It does not require any development or integration work. Instead of using a POS system, you initiate transactions directly from a standalone terminal that is supplied by Adyen.

In addition, standalone terminals can be used as a fallback for a POS system with integrated terminals: if there is a problem with the internet access, you can continue making transactions by using a standalone terminal instead of an integrated terminal.

For instructions, see Standalone terminals.

Mobile solutions

In addition to (or instead of) using traditional payment terminal hardware, you can accept point-of-sale payments on a mobile device like a smartphone or a tablet, or using a combination of a mobile device and a card reader.

To implement these Tap to Pay and card reader mobile solutions, you first need to integrate your POS system with our Terminal API. Then you add our Mobile SDK to your POS app, and install the app on your mobile device. The payments are routed through the SDK, but use the Terminal API specification.

Another option for Tap to Pay is to connect your POS app to an Adyen Payments app that already includes the Mobile SDK.

For specific requirements and instructions, see the Mobile solutions documentation.

Plugins

You may already use a retail, hospitality, or other platform by a company that partners with Adyen. In this case, you can use a plugin to integrate our payments solution and process in-person payments with Adyen.

By using a plugin, you accept in-person payments on Adyen payment terminals that communicate directly with the partner platform.

We offer plugins for global platforms like Oracle Opera, Oracle Simphony, Oracle Xstore, and Cegid Retail Y2. You can check the full list in our partner directory.

Risk and revenue optimization

Adyen offers a built-in risk management solution to help your business minimize fraud and increase conversion. For better outcomes, our solution combines machine learning and static rules.

Uplift

Adyen Uplift helps you strike a balance between conversion, risk and cost. You get recommendations that are tailored for your business, can experiment with different settings, and find out where you can make changes to increase revenue and decrease cost. Adyen Uplift helps you get more out of payments and reduces the time you have to spend on operational tasks.

Recommendations and insights are powered by machine learning and automation. Use them to evaluate the full payment funnel performance, automate decisions, take action to optimize payment conversion, simplify risk management, or lower the cost of payments.

We have divided the Adyen Uplift focal areas in a number of modules:

• Tokenize: Securely store one or more payment details per shopper, with the shopper's consent. These tokens replace the shopper’s payment details and can be used in subsequent payments.
• Protect: This is our built-in risk management solution helping businesses to make the right decisions and fight fraud, reduce costs, and increase conversion using a combination of static rules and machine learning.
• Authenticate: Apply the right authentication mechanism for each shopper, balancing security, regulation, and convenience while you maximize conversion and limit risk.
• Optimize: Make the best use of available payment methods, and benefit from automated routing, issuer messaging, and recovery.
• Personalize: This module consists of different tools and a dashboard to help you explore and analyze how you can optimize the checkout experience for shoppers.

See more information:

• Adyen Uplift

Fund management

Manage your business funds using Adyen's balance platform. With your balance platform, you can get access to an enterprise account with banking capabilities.

Enterprise accounts

Enterprise accounts allow you to store and manage your funds and your customers' funds. When you create an enterprise account, you receive a set of account identification details, such as an account number or IBAN. With these account details, you can perform banking operations, such as:

• Receiving funds from third-party bank accounts.
• Sending funds to third-party bank accounts or cards.

See more information:

• Flow of funds using enterprise accounts

Payouts

Adyen offers a payouts service using Adyen's balance platform. With this offering, you can combine payouts with processing online or in-person payments. Your payouts do not need to be directly related to an acquired payment, the counterparty can be any third-party beneficiary. For example, you can use our payouts service to pay your supplier or business partner.

The following subsections show the main features you can use with Adyen Payouts.

Pay out to your verified bank account

The funds of your business are held in your balance account until you pay them out to your verified bank account. You can pay out your funds in two ways:

• On a schedule: you set up a schedule that automatically triggers the payout based on timing and amount.
• On demand: you pay out when needed, outside of the automatic scheduled payouts.

See more information:

• Getting paid

Pay out to third-party bank accounts

You can use your balance platform to pay out funds to third-party bank accounts. You can use this feature to send funds to any counterparty external to your business, such as providers or freelancers.

Adyen provides multiple features to help you complete payouts successfully. Before you make a payout, you can use Adyen's APIs to:

• (EU and UK only) Verify the counterparty's name. This allows you to ensure that your payouts are sent to the intended counterparty.
• Calculate transfer routes. Some counterparties can be subjected to additional requirements or limitations. To prevent transfer failures due to such limitations, we recommend that you calculate the available transfer routes before sending funds to a new counterparty.

Adyen supports paying out to counterparties in multiple locations, currencies, and priorities.

See more information:

• Pay out to bank accounts

Pay out to third-party cards

You can use your balance platform to pay out funds to third-party Mastercard or Visa cards. Funds typically become available to the cardholder within 30 minutes, although processing times can vary depending on the card issuer.

Adyen supports two types of card payouts:

• One-off payouts: make a single payout to a card.
• Recurring payouts: save the details of a card and make recurrent payouts to that card.

To help you manage the details of counterparty cards, we allow you to tokenize the card details. This allows you to simplify recurring payouts and store card details when you are not fully PCI compliant.

See more information:

• Pay out to cards

Enterprise issuing

With Adyen's balance platform, you can use Enterprise issuing. This offering allows you to issue cards for business purposes, such as to:

• Allow members of your team to pay for business-related expenses.
• Allow you to pay your business' suppliers.
• Offer card issuing as a service to other businesses.

These Adyen-issued cards are tied to, and funded by, the balance accounts in your balance platform.

The following subsections show the main features of Enterprise issuing.

Create and manage cards

You can create virtual or physical cards using Adyen's APIs. These cards are associated with Visa or Mastercard pre-approved use case, which is called a scheme program. By default, Adyen handles the scheme program for you.

For your physical cards, you create a personalized design that reflects your brand. This design is included on the card itself and the mailer it is sent in. Each card design must be approved by Visa or Mastercard. To make sure that your design fulfills the schemes' requirements, your Adyen contact helps you to complete and specify the designs.

Depending on your use case and the type of cards you issue, you may need to fulfill PCI compliance requirements. Your Adyen contact informs you of any PCI requirement that applies to your use case.

After you create your cards, you can use Adyen's APIs to manage the status of the cards. For example, you can suspend, reactivate, or permanently close a card.

See more information:

• Create cards
• Manage cards

Add funds to cards

Payments that you make with your Adyen-issued cards are funded by balance accounts in your balance platform. To make sure that you always have funds for card payments, you can transfer funds to your balance accounts from a verified bank account that you own.

See more information:

• Add and manage funds

Approve or decline payments

Adyen performs internal checks and validations to ensure that payments made with Adyen-issued cards are legitimate. Additionally, Adyen allows you to configure custom verifications to automatically approve or decline payments. You can use one or both of the following methods:

• Use transaction rules to approve or decline payments based on conditions. For example, you can specify a maximum amount that a cardholder can spend on a transaction.
• Use relayed authorization to approve or decline payments by responding to a webhook sent by Adyen. You can use your own business logic to determine if a payment is approved or declined. Then, you send that response to Adyen.

When you combine both methods, transaction rules are applied first. This setup serves as a filtering mechanism for payment attempts before sending you the relayed authorization webhook.

See more information:

• Payment authorization

Use network tokens

You can create network tokens that your cardholders can use in place of sensitive card details. Cardholders can use these network tokens to securely make payments or add their cards to digital wallets.

When a cardholder pays with an Adyen-issued card, the merchant receives the network token instead of the card details. The merchant then sends the network token to the card scheme and Adyen. Adyen then decodes the network token and validates the corresponding card details on behalf of the merchant.

Using network tokens has the following benefits:

• Reduced friction: network tokens are maintained by card schemes, which reduces the number of declined payments.
• Higher authorization rates: payments made with network tokens have higher authorization rates than payments with raw card details.
• Increased security: each transaction is protected by a one-time use cryptogram.

See more information:

• Overview of network tokens

Webhooks

Adyen uses webhooks to notify you that an event has occurred within your Adyen integration. Webhooks are useful for tracking long-running processes, where a change in a resource or its status may not occur for multiple seconds, minutes, hours, or days.

You can use webhooks for:

• Handling asynchronous flows. For example, with payment methods like iDEAL, it can take time to get a confirmation that the payment was completed.
• State management. For example, when a resource in your integration is changed, you receive a webhook that contains a snapshot of the new state of the resource.
• Reacting to external events. Some important updates come from external systems and are not a direct result of an API request you made. For example, consider dispute management or relayed authorization.

Adyen offers different webhook event types to choose from. You can decide which webhook event types to subscribe to Expand the following subsections to read the different types of webhook events.

Reports

To ensure accurate accounting of funds within your Adyen accounts, you can use Adyen-generated reports for your bookkeeping and reconciliation processes. You can generate these reports on demand or automatically on a schedule.

Adyen generates reports for your Adyen account and for your balance platform. You can use these reports to do common reconciliation processes. For complete financial reconciliation over a period of a month, you need to use a combination of Adyen account reports and balance platform reports. For other common reconciliation tasks you can use the data from just one report.

Expand the following subsections to read about the types of reports that you can generate.