Adyen's AI-Driven Payment Routing: A 26% Cost Reduction Game-Changer for U.S. Debit Payments

Adyen, a global leader in fintech innovation, has introduced Intelligent Payment Routing—a cutting-edge AI-powered solution designed to optimize U.S. debit transactions. This revolutionary feature not only slashes costs by an average of 26%, but also elevates authorization rates, boosting payment performance for top-tier merchants like eBay, Microsoft, and 24 Hour Fitness.

In an era where operational efficiency is paramount, Adyen's new feature aligns with the growing trend toward digital transformation, offering businesses a seamless path to financial optimization.

Key Benefits of Adyen’s Intelligent Payment Routing:

1. Instant Cost Savings: No complex integration—just toggle the feature and watch savings accumulate.
2. Enhanced Payment Performance: Achieve higher acceptance rates while driving down transaction costs.
3. Omnichannel Optimization: Works seamlessly across online, in-store, and mobile transactions, providing a unified solution.
4. Speed and Efficiency: Optimizes transactions without sacrificing speed.
5. Network Agnostic: Leverages the most cost-effective network for each transaction, driving down fees.

As debit card usage surges, Adyen’s innovation offers a powerful tool for merchants to streamline costs and boost efficiency.

Transforming Payments with AI: Adyen Launches Intelligent Payment Routing for U.S. Debit Transactions

SAN FRANCISCO, Sept. 9, 2024 — Adyen, the premier fintech platform trusted by global giants like Meta and Uber, announces the launch of Intelligent Payment Routing, the first AI-powered solution specifically engineered to optimize U.S. debit payments. In a groundbreaking pilot with enterprise clients, Adyen reported a 26% average cost reduction and a notable increase in authorization rates.

For enterprise businesses, especially in a post-regulation environment where debit networks are more competitive, this tool offers a strategic advantage. It’s more than just a cost-saving measure—it's a driver of revenue growth, with the potential to transform how businesses manage their payment processes.

Key Features of Intelligent Payment Routing:

• Seamless Integration: No additional coding or tech support needed. Just turn it on and benefit from automatic cost savings.
• Superior Payment Performance: Increases conversion rates while reducing operational costs.
• Cross-Channel Capability: Whether online, in-app, or in-store, the solution ensures transactions are processed through the most cost-effective channels.
• Maintained Transaction Speed: Optimizes costs without compromising the speed of payment approvals.
• Network Flexibility: Routes payments across various debit networks, ensuring cost efficiency and better performance.

“Adyen’s platform was built from scratch to offer a comprehensive solution for our clients. This new feature is just one of many that helps businesses achieve more with less effort,” says Trevor Nies, Adyen’s SVP and Global Head of Digital.

Following the U.S. regulatory mandate requiring debit cards to be branded by at least two unaffiliated networks, Adyen’s AI-driven tool offers merchants a strategic way to navigate the complexity and unlock new levels of performance and profitability. In a world where 58% of all transactions are now made via debit cards, the opportunity to save costs while increasing revenue is transformative.

One client saved $600,000 in the first month of using the tool—proof that intelligent payments can create a tangible financial impact with minimal effort from merchants.

About Adyen:

Adyen (AMS: ADYEN) is the go-to financial technology platform for businesses aiming to scale faster. By offering an all-in-one payment solution, Adyen empowers companies to streamline payments, leverage data insights, and drive financial growth. Its trusted clientele includes global brands such as H&M, Uber, eBay, and Microsoft. The company continues to push the boundaries of innovation, ensuring its partners stay ahead of the competition.