Payment processor · reference
Adyen
Adyen is the enterprise payment processor for higher-volume independent hotels and groups. The platform offers Interchange++ pricing that becomes cheaper than Stripe above EUR 500K monthly volume, plus deeper hospitality-specific features.
Target segment
Mid-to-large independent hotels and groups (40+ rooms with corporate-travel volume) wanting Interchange++ pricing and hospitality-specific features.
Pricing
Interchange++ pricing: interchange fee (set by card networks) + scheme fee + Adyen markup. Total typically 1.2-1.8% for European volume; specifically depends on card mix.
Source: Adyen pricing
Strengths
Interchange++ transparency
Pricing is transparent and typically cheaper than blended rates at higher volumes.
Hospitality-specific features
Virtual card handling for OTA bookings, fraud screening tuned for travel.
Enterprise-grade reliability
Used by major travel brands; SLAs and support tiered for enterprise.
Trade-offs
Higher entry threshold
Pricing favours larger volumes; Stripe wins for properties under EUR 500K monthly.
Complex pricing for non-experts
Interchange++ math requires understanding interchange + scheme + markup separately.
When to choose
Choose Adyen for independent hotels with monthly card volume above EUR 500K, hotel groups with corporate-travel volume, or properties where virtual card handling for OTAs is operationally critical.
When to avoid
Avoid Adyen for properties under EUR 500K monthly volume; Stripe is simpler and cheaper at that scale.
Common integrations
Mews, Cloudbeds, enterprise PMS platforms, hotel-group CRM systems.
Editorial disclosure
This site is operated by Maciej Dudziak, founder of Guestivo. Guestivo is guest-journey software (not a payment processor) and is intentionally absent from /payment-processors/ recommendations.