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Adyen

Methods

  • Cards
  • Digital Wallets
  • Bank Transfer
  • Buy Now Pay Later
  • Cryptocurrencies

Adyen is a global payment provider used by merchants to accept cards and local payment methods online and in-store.

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Published
Last updated
2 min
Adyen
Adyen payment phone

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About Adyen

Product Type
Payment Processor
Foundation
2006
Stock ID
EURONEXT:ADYEN
Company Type
public
Employees
10,000+
Location
NLDNLD
Channel
Online In person

Features

Global acceptance & local payment methods

Supports major card schemes and a wide range of local payment methods for cross-border selling and localized checkout.

Unified online and in-store payments

Designed for omnichannel businesses that want consistent payment operations across ecommerce, mobile, and POS environments.

Authorization performance signals

Provides reporting to help monitor authorization success and investigate card declines by issuer, country, channel, or payment method.

Authentication & SCA support

Tools for 3D Secure and strong customer authentication flows to balance compliance needs with customer experience.

Risk management & fraud controls

Risk rules and monitoring options to help reduce fraud while managing false positives and conversion impact.

Disputes and chargeback handling

Workflows and reporting to track disputes, respond with evidence, and analyze chargeback drivers over time.

Security and compliance

Security and compliance features aimed at protecting payment data and supporting common regulatory requirements.

Reliability and operational tooling

Operational dashboards, logs, and status visibility to support incident response and payment performance monitoring.

Tip from SmartRetry For card declines, segment by issuer country and decline reason, then test routing and 3DS triggers only on the segments with the highest decline concentration.

Currencies

Processing currencies USD, EUR, GBP, JPY, AUD, CAD, CHF, CNY, SGD, HKD, INR, BRL

Available in

Available countries
  • Global

FAQ

Statuses

Statuses - All
CodeDescriptionLevelFrequencyResolution
Refusal Codes
0

Authorised (No Refusal)

refusalReasonCode 0 is sometimes returned alongside resultCode Authorised. When this occurs, the refusal reason code should be ignored "" the transaction succeeded.

Approved, InfoOccasionalT0
2

Refused

The transaction was refused by the issuer or acquirer without a more specific reason provided.

DeclinedCommonT2
3

Referral

The transaction requires a referral. The issuer is requesting manual review or voice authorization before proceeding.

Declined, ProcessingOccasionalT2
4

Acquirer Error

The transaction did not go through due to an error on the acquirer's end. This is not a shopper-side issue; it is an infrastructure or connectivity problem at the acquiring bank.

ErrorOccasionalT1
5

Blocked Card

The card used for the transaction is blocked and therefore unusable. The shopper should contact their issuing bank to unblock or replace the card.

DeclinedOccasionalT2
6

Expired Card

The card used for the transaction has expired and is therefore unusable. The shopper should use a different, valid card.

DeclinedCommonT3
7

Invalid Amount

An amount mismatch occurred during the transaction process. The amount submitted does not match what is expected by the issuer or scheme.

Error, DeclinedOccasionalT0
8

Invalid Card Number

The specified card number is incorrect or invalid. The shopper should check and re-enter their card details.

DeclinedCommonT0
9

Issuer Unavailable

It is not possible to contact the shopper's bank to authorize the transaction. This is typically a temporary connectivity issue.

ErrorOccasionalT0
10

Not Supported

The shopper's bank does not support or does not allow this type of transaction. The shopper should try a different payment method or contact their bank.

DeclinedOccasionalT3
11

3D Not Authenticated

3D Secure authentication was not executed or did not complete successfully. The transaction was declined due to a failed or missing authentication step.

Declined, ErrorOccasionalT0
12

Not Enough Balance

The card does not have sufficient funds to cover the payable amount. The shopper should use a different card or payment method.

DeclinedCommonT3
14

Acquirer Fraud

The transaction was flagged as possible fraud by the acquirer. The payment was declined as a precautionary measure.

Declined, ErrorOccasionalT1
15

Cancelled

The transaction was cancelled. This corresponds to the Cancelled payment status when a cancellation is submitted.

DeclinedOccasionalT0
16

Shopper Cancelled

The shopper cancelled the transaction before completing it. No funds were charged.

DeclinedCommonT0
17

Invalid Pin

The specified PIN is incorrect or invalid. The shopper should re-enter the correct PIN.

DeclinedOccasionalT0
18

Pin Tries Exceeded

The shopper entered an incorrect PIN more than three times in a row. The card may now be blocked. The shopper should contact their issuing bank.

DeclinedOccasionalT2
19

Pin Validation Not Possible

It is not possible to validate the specified PIN number. This may indicate a technical issue with PIN processing.

Error, DeclinedRareT1
20

FRAUD

Pre-authorization risk checks resulted in a fraud score of 100 or more. The transaction was flagged as fraudulent and refused. Review your risk settings if this is unexpected.

Declined, ErrorOccasionalT1
21

Not Submitted

The transaction was not submitted correctly for processing. Verify the payment request structure and parameters.

ErrorOccasionalT0
22

FRAUD-CANCELLED

The combined sum of pre-authorization and post-authorization risk checks resulted in a fraud score of 100 or more. The transaction was flagged as fraudulent and refused.

Declined, ErrorOccasionalT1
23

Transaction Not Permitted

The transaction is not permitted to the issuer/cardholder, not allowed for this merchant, or not permitted to the acquirer/terminal. Maps to issuer decline codes 57 and 58.

DeclinedOccasionalT3
24

CVC Declined

The specified CVC (card security code / CVV / CID) is invalid. The shopper should re-enter the correct CVC from the back of their card.

DeclinedCommonT0
25

Restricted Card

The card is restricted. Maps to issuer decline codes for restricted cards or cards invalid in a given country. The shopper should contact their bank or use a different card.

DeclinedOccasionalT2
26

Revocation Of Auth

The shopper requested to stop a recurring subscription. Maps to issuer codes R0 (Stop Payment Order), R1 (Revocation of Authorization Order), and R3 (Revocation of All Authorizations Order).

DeclinedOccasionalT3
27

Declined Non Generic

Maps all response codes that cannot be reliably mapped to a specific reason. Used to distinguish generic declines (e.g., Mastercard '05: Do not honor') from more specific refusal reasons.

DeclinedCommonT2
28

Withdrawal Amount Exceeded

The transaction amount was higher than the withdrawal amount permitted for the shopper's card. The shopper should contact their bank or use a different card.

DeclinedOccasionalT2
29

Withdrawal Count Exceeded

The shopper exceeded the number of withdrawals permitted on their card. The shopper should contact their bank or wait until the limit resets.

DeclinedOccasionalT2
31

Issuer Suspected Fraud

The issuer reported the transaction as suspected fraud. The shopper should contact their issuing bank to resolve.

Declined, ErrorOccasionalT2
32

AVS Declined

The address data the shopper entered does not match the address on file with the card issuer. The shopper should verify their billing address.

DeclinedOccasionalT0
33

Card Requires Online Pin

The shopper's bank requires the shopper to enter a PIN to complete this transaction. The shopper should proceed with PIN entry.

Declined, ProcessingRareT0
34

No Checking Account Available On Card

The shopper's bank requires a checking account to complete the purchase, but none is available on the card. The shopper should use a different payment method.

DeclinedRareT3
35

No Savings Account Available On Card

The shopper's bank requires a savings account to complete the purchase, but none is available on the card. The shopper should use a different payment method.

DeclinedRareT3
36

Mobile Pin Required

The shopper's bank requires the shopper to enter a mobile PIN to authorize the transaction.

Declined, ProcessingRareT0
37

Contactless Fallback

The shopper abandoned the transaction after attempting a contactless payment and being prompted to try a different card entry method (PIN or swipe).

DeclinedOccasionalT0
38

Authentication Required

The issuer declined the authentication exemption request and requires full 3D Secure authentication for this transaction. Retry the payment with 3D Secure enabled.

DeclinedOccasionalT0
39

RReq Not Received From DS

The issuer or scheme was unable to communicate the authentication outcome via RReq (Results Request message in 3D Secure 2). Retry the transaction.

Error, DeclinedRareT0
40

Current AID Is In Penalty Box

The payment network cannot be reached for the current Application Identifier (AID). Retry the transaction with a different payment method.

Error, DeclinedRareT1
41

CVM Required Restart Payment

A PIN or signature is required to complete the transaction. The shopper should retry the transaction providing the required cardholder verification method.

Declined, ProcessingRareT0
42

3DS Authentication Error

3D Secure authentication failed due to an issue at the card network or issuer level. Retry the transaction, or retry with a different payment method.

Error, DeclinedOccasionalT0
46

Transaction Blocked By Adyen To Prevent Excessive Retry Fees

Adyen's excessive retry prevention service blocked the transaction to protect the merchant from penalty fees charged by card schemes for excessive retries of declined transactions.

Declined, InfoOccasionalT1
50

Token Revoked

The token granted to the merchant for recurring charges was disabled by the shopper. The shopper has revoked consent for future charges using this token.

DeclinedOccasionalT3
Result Codes
AuthenticationFinished

Authentication Finished

The payment has been successfully authenticated with 3D Secure 2. Collect the 3D Secure 2 authentication data needed to authorize the payment.

ApprovedOccasionalT0
AuthenticationNotRequired

Authentication Not Required

The transaction does not require 3D Secure 2 authentication. Check the authenticationNotRequiredReason field to learn why authentication was not required.

InfoOccasionalT0
Authorised

Authorised

The payment was successfully authorised. Inform the shopper that the payment was successful. A webhook with an updated payment status will also be sent.

ApprovedCommonT0
Cancelled

Cancelled

The payment was cancelled (by either the shopper or your own system) before processing was completed.

DeclinedCommonT0
ChallengeShopper

Challenge Shopper

The issuer requires authentication from the shopper, for example through facial recognition or entering a code received on their phone. Initiate the challenge flow to present the challenge to the shopper.

ProcessingOccasionalT0
Error

Error

There was an error when the payment was being processed. Inform the shopper that there was an error processing their payment.

ErrorOccasionalT0
IdentifyShopper

Identify Shopper

The issuer requires authentication from the device the shopper is using. Initiate the frictionless flow to get the shopper device fingerprint and submit the result to Adyen.

ProcessingOccasionalT0
PartiallyAuthorised

Partially Authorised

The payment was authorized for a partial amount. This happens when the cardholder has insufficient funds. The merchant can start a new transaction for the outstanding balance, cancel, capture the partial amount, or retry later for recurring.

Approved, ProcessingOccasionalT0
View all