Payments & Payment Orchestration

Adyen

Adyen is a Dutch financial technology platform that provides end-to-end payment acceptance for large enterprises on a single stack — online, in-app and in-person — combining gateway, risk management, acquiring and settlement, which it can do directly because it holds its own banking licence. Beyond acceptance it sells Adyen Issuing (virtual and physical card issuance), Adyen for Platforms (embedded payments for marketplaces), payouts and business accounts, and a Stored Value API for issuing, activating, loading, balance-checking and merging gift cards. In hospitality it markets a "unified commerce" proposition covering the whole guest journey — booking, check-in, F&B, spa, checkout — with card tokenization for cross-property guest recognition, pre-authorizations with automatic top-ups for incidentals, post-checkout collection of no-shows and late charges, and dynamic currency conversion. It integrates with the major hotel systems (Oracle Hospitality/OPERA, Shiji, Infor HMS, Agilysys, Sabre, Protel, Apaleo, Clock PMS, StayNTouch, TravelClick) and pioneered "proxy tokenization," intercepting the CRS-to-PMS booking message so raw card data never touches the property server.