Over the second quarter of 2025, Adyen processed a value of payment transactions that was almost *****percent higher than in the same quarter of the year before. That said, the stock performance of Adyen fell shortly after the announcement for Q2 2025, as it revealed a slowdown in growth. This was attributed to the impact of the U.S. tariffs on financial services, with Adyen claiming it had lost a major client because of it.

In H2 2023, Adyen processed around **** billion payment transactions worldwide or roughly ** percent more when compared to the previous year. The Dutch payment gateway continued its growth over the years, after seeing its process volume accelerate in 2020. Adyen focuses on the back-end of payment transactions The transactions mentioned here are not comparable to transactions processed by, for example, PayPal. Adyen aims itself at domestic, mid-market companies, as well as global merchants. Then, it tries to connect these merchants to multiple payment methods and currencies. This business model lead to an IPO valuation of *** billion euros (*** billion U.S. dollars) in June 2018. As of March 2018, only Spotify achieved more venture capital backing than the Amsterdam-based Fintech company. Fintech in the Netherlands is most visible in digital payments When looking at B2C payment transactions, two Fintech initiatives stand out in the Netherlands: iDEAL and Tikkie. iDEAL is an e-commerce payment system developed by Dutch consumer banks that allows online shoppers to use their bank account for purchases. It had around *** million transactions in 2018. ABN AMRO's payment app Tikkie, which lets consumers send payment requests from iDEAL via a text message in WhatsApp, reached **** million users (of which ***** B2B users) in 2019. No numbers are available, however, on the number of transactions with Tikkie.

Adyen's take rate - transaction revenue compared to transaction volume - was **** bps in the first half of 2023, compared to **** bps in the same period in 2022. This decline in take rate is not new for the Dutch fintech in payment processing. The company attributes this decline to its tiered pricing model and a growing value of transactions overall. Adyen states it sees take rate as "an outcome, not a driver" of its business model, instead focusing on scalability of its platform. The company's net revenue in 2023 increased sizably, but investors found it to be below their initial expectations.

In H2 2023, Adyen processed around 12 billion payment transactions worldwide or roughly 27 percent more when compared to the previous year. The Dutch payment gateway continued its growth over the years, after seeing its process volume accelerate in 2020. Adyen focuses on the back-end of payment transactions The transactions mentioned here are not comparable to transactions processed by, for example, PayPal. Adyen aims itself at domestic, mid-market companies, as well as global merchants. Then, it tries to connect these merchants to multiple payment methods and currencies. This business model lead to an IPO valuation of 7.1 billion euros (8.3 billion U.S. dollars) in June 2018. As of March 2018, only Spotify achieved more venture capital backing than the Amsterdam-based Fintech company. Fintech in the Netherlands is most visible in digital payments When looking at B2C payment transactions, two Fintech initiatives stand out in the Netherlands: iDEAL and Tikkie. iDEAL is an e-commerce payment system developed by Dutch consumer banks that allows online shoppers to use their bank account for purchases. It had around 524 million transactions in 2018. ABN AMRO's payment app Tikkie, which lets consumers send payment requests from iDEAL via a text message in WhatsApp, reached five million users (of which 4,000 B2B users) in 2019. No numbers are available, however, on the number of transactions with Tikkie.

The global payment processing market, valued at $56.31 billion in 2025, is projected to experience robust growth, exhibiting a Compound Annual Growth Rate (CAGR) of 10.70% from 2025 to 2033. This expansion is driven by the surging adoption of e-commerce, the increasing preference for digital payment methods like credit and debit cards and e-wallets, and the rising penetration of smartphones and internet access globally. The market's segmentation by payment type reveals a strong dominance of credit and debit card transactions, although e-wallet transactions are witnessing rapid growth fueled by user-friendly interfaces and enhanced security features. Key players like PayPal, Stripe, and Square are at the forefront of innovation, constantly developing secure and efficient payment solutions, further accelerating market growth. Geographical expansion, particularly in emerging economies with burgeoning digital adoption, presents significant opportunities for existing and new players. However, challenges like stringent regulatory compliance, security concerns surrounding data breaches, and the need for continuous technological advancements represent potential restraints on market growth. The competitive landscape is characterized by both established giants and emerging fintech companies. Established players leverage their extensive network and brand recognition, while agile startups bring innovative solutions and disrupt traditional payment systems. Regional disparities in market penetration exist, with North America and Europe currently holding larger market shares due to higher levels of digitalization and financial inclusion. However, the Asia-Pacific region shows immense potential, given its vast population and accelerating digital transformation. The forecast period (2025-2033) promises continued market expansion, driven by ongoing technological advancements and a shift towards cashless societies worldwide. This growth trajectory is expected to be influenced by factors such as the increasing adoption of Buy Now Pay Later (BNPL) services and the integration of advanced technologies like Artificial Intelligence (AI) and blockchain for enhanced security and fraud prevention. Recent developments include: May 2022 - Visa, one of the leading global digital payment companies, announced a partnership with Fundbox, an integrated working capital platform for small businesses, to enhance Fundbox's platform with the power of digital payments. The Fundbox Flex Visa Debit Card, issued by Pathward, N.A., is the first stage in this relationship, and it helps small company clients better control their cash outflows., March 2022 - Mastercard and Zeta, a banking tech startup that provides next-generation credit card processing to banks and fintechs, established a 5-year global partnership. As part of the partnership, the companies would work together to launch credit cards with issuers all over the globe using Zeta's modern, cloud-native, and fully API-ready credit processing stack. Mastercard has emphasized collaboration by investing financially in Zeta.. Key drivers for this market are: High Proliferation of Digital Initiatives Resulting in Higher Transaction Volume for Payment Processors, Growing Bargaining Leverage of Consumers With Buying Firms, Leading to Greater Focus on Enabling Seamless Transactions; Favorable Government Regulations Coupled with Key Innovations Playing a Key Role in Driving Credit/Debit Transactions. Potential restraints include: High Proliferation of Digital Initiatives Resulting in Higher Transaction Volume for Payment Processors, Growing Bargaining Leverage of Consumers With Buying Firms, Leading to Greater Focus on Enabling Seamless Transactions; Favorable Government Regulations Coupled with Key Innovations Playing a Key Role in Driving Credit/Debit Transactions. Notable trends are: Credit Card Segment is Expected to Hold Significant Market Share.

The secure payment services market is experiencing robust growth, driven by the increasing adoption of digital payment methods and the rising concerns over data security. The market size in 2025 is estimated at $250 billion, exhibiting a Compound Annual Growth Rate (CAGR) of 15% from 2025 to 2033. This growth is fueled by several key factors. The proliferation of e-commerce and online transactions necessitates secure and reliable payment solutions. Furthermore, the expanding adoption of mobile payment technologies, such as mobile wallets and contactless payments, is significantly contributing to market expansion. Regulations aimed at enhancing data security and fraud prevention are also driving demand for sophisticated secure payment services. The market segmentation reveals a strong preference for online banking and credit card transactions within the personal application segment, while enterprise applications show promising growth potential, particularly in sectors with high transaction volumes. Leading companies such as Adyen, Stripe, and PayPal are actively shaping the market landscape through innovation and strategic partnerships. Geographic distribution shows strong concentration in North America and Europe, though significant growth is expected in the Asia-Pacific region, driven by rapid digitalization and economic development. The competitive landscape is characterized by both established players and emerging fintech companies. Established players leverage their existing infrastructure and customer base to maintain market share, while innovative fintech firms are introducing disruptive technologies and business models. Despite the positive outlook, the market faces challenges including the increasing sophistication of cyber threats and the rising costs associated with implementing and maintaining robust security measures. Continued technological advancements and the evolving regulatory environment will play a pivotal role in shaping the future trajectory of the secure payment services market. The integration of artificial intelligence and machine learning for fraud detection and risk management will be crucial in ensuring the continued growth and reliability of secure payment systems. Future success will hinge on the ability of companies to adapt to the dynamic technological landscape, strengthen their security protocols, and meet the evolving needs of consumers and businesses.

The global Bank Transaction Processing Systems market is experiencing robust growth, driven by the increasing adoption of digital banking, the rise of mobile payments, and the expanding need for secure and efficient transaction processing. The market's size in 2025 is estimated at $150 billion, reflecting a Compound Annual Growth Rate (CAGR) of 12% from 2019 to 2024. This growth is fueled by several key factors. Firstly, the ongoing digital transformation within the banking sector is pushing institutions to adopt advanced transaction processing systems capable of handling large volumes of data and diverse payment methods. Secondly, the increasing preference for contactless and mobile payments, particularly among younger demographics, is boosting demand for systems that can seamlessly integrate with these technologies. Finally, stringent regulatory requirements concerning security and compliance are driving the adoption of sophisticated transaction processing solutions that can effectively mitigate risks and ensure data privacy. Key players such as Stripe, PayPal, and Adyen are leading the market innovation, constantly developing new features and functionalities to meet the evolving needs of banks and their customers. The forecast period (2025-2033) anticipates continued expansion, with the market projected to reach approximately $400 billion by 2033. This growth will be further propelled by advancements in artificial intelligence (AI) and machine learning (ML), which are enabling the development of more intelligent and automated transaction processing systems. Furthermore, the emergence of open banking initiatives and the growing adoption of cloud-based solutions are expected to shape the market landscape in the coming years. However, challenges remain, including the complexities of integrating legacy systems with newer technologies, the potential for cyber threats, and the need for continuous investment in cybersecurity infrastructure. Despite these challenges, the long-term outlook for the Bank Transaction Processing Systems market remains positive, driven by the ongoing digitalization of banking and the increasing demand for secure and efficient transaction processing capabilities.

The international payment gateway market is experiencing robust growth, driven by the expansion of e-commerce, the increasing adoption of digital payment methods, and the rising demand for cross-border transactions. The market's compound annual growth rate (CAGR) is estimated at 15% from 2025 to 2033, indicating significant potential for expansion. This growth is fueled by several key factors, including the increasing preference for online shopping, the proliferation of mobile payment solutions, and the ongoing digital transformation across various industries. Furthermore, the growing need for secure and efficient payment processing solutions, coupled with the rising adoption of advanced technologies like artificial intelligence and blockchain, is further propelling market growth. Key players like Stripe, PayPal, and Square dominate the market, but several smaller players continue to innovate and carve out niche markets. The market segmentation reveals a diverse landscape, with different segments experiencing varying growth rates. While precise segment-specific data is unavailable, it's reasonable to expect the business-to-business (B2B) segment to show significant growth due to the increasing digitalization of corporate transactions. Conversely, the business-to-consumer (B2C) segment, while already substantial, is likely to witness a more moderate growth rate as it matures. Geographical expansion continues to be a significant factor, with developing economies exhibiting faster growth compared to mature markets. However, regulatory changes and cybersecurity concerns pose considerable restraints to the market's overall growth, particularly as the volume of transactions increases. Mitigation strategies are crucial, including robust security protocols and compliance with various international regulations to maintain consumer trust and avoid disruptions.

The Spain Payment Gateway Market, valued at €640 million in 2025, is experiencing robust growth, projected to expand at a Compound Annual Growth Rate (CAGR) of 25.33% from 2025 to 2033. This surge is fueled by several key factors. The increasing adoption of e-commerce and online transactions within Spain is a primary driver, alongside the growing preference for digital payment methods among consumers. Furthermore, the Spanish government's initiatives promoting digitalization and the burgeoning fintech sector are fostering innovation and competition within the payment gateway landscape. The market is witnessing a shift towards mobile-first solutions and the integration of advanced technologies like AI and machine learning to enhance security and personalize customer experiences. The rise of Buy Now Pay Later (BNPL) services is also significantly impacting market growth, offering consumers flexible payment options. Competition in the Spanish payment gateway market is intense, with both established players like PayPal, Adyen, and Stripe, and local providers like Bizum and Banco Bilbao Vizcaya Argentaria (BBVA) vying for market share. The market's segmentation is likely driven by transaction volume, payment types (credit cards, mobile wallets, bank transfers), and industry verticals (e-commerce, retail, travel). While challenges remain, such as concerns over data security and regulatory compliance, the overall outlook for the Spain Payment Gateway Market is extremely positive, driven by sustained economic growth and the ongoing digital transformation within the Spanish economy. The market's expansion is expected to create opportunities for both existing players and new entrants looking to capitalize on the increasing demand for secure and efficient payment solutions. Key drivers for this market are: Growing E-Commerce and Mobile Commerce, Government Support for Digital Payments; Rising Digital Wallets and FinTech Solutions. Potential restraints include: Growing E-Commerce and Mobile Commerce, Government Support for Digital Payments; Rising Digital Wallets and FinTech Solutions. Notable trends are: The Growing Use of Payment Gateways in the Retail Sector in Spain.

Stripe processed *** billion USD worth of transactions more in 2024 than in 2023, although the company admitted growth had slowed down. The Ireland-based fintech company processed about 1,000 billion worth of transactions in 2023, a value that was up ** percent compared to the previous year. The company admitted, however, this was "a significant deceleration" from the growth recorded in 2021 and 2020. Stripe only publicly reported their transaction figures twice, with previous estimates allegedly only being shared internally. Unlike Adyen - another major fintech company from Europe - Stripe is not publicly listed, so it does not have to report its performance to the public.

The 3DS (3-D Secure) authentication market is experiencing robust growth, projected to reach $4140.5 million in 2025 and maintain a Compound Annual Growth Rate (CAGR) of 21.1% from 2025 to 2033. This surge is driven by the increasing prevalence of e-commerce and mobile payments, coupled with rising concerns over online fraud and the need for enhanced security measures. Consumers demand secure online transactions, pushing businesses to adopt robust authentication protocols like 3DS. Key drivers include the expanding adoption of EMVCo's 3DS 2.0 standard, which offers improved user experience and stronger fraud prevention capabilities. Furthermore, regulatory mandates in various regions are compelling businesses to implement stronger authentication methods, thereby fueling market expansion. The market is segmented by type (System & Platform, Consulting Services & Solutions, Other) and application (Consumer Electronics, ATM, POS Machine, Other), with Consumer Electronics and POS machine segments showing particularly strong growth due to the high volume of transactions processed through these channels. Leading players like Visa, Mastercard, and Adyen are driving innovation and expanding their market share through strategic partnerships and technological advancements. The regional breakdown reveals significant opportunities across North America, Europe, and Asia Pacific, reflecting the global nature of e-commerce and the widespread adoption of digital payment methods. The continued growth of the 3DS authentication market hinges on several factors. Technological advancements, such as biometrics and risk-based authentication, are expected to further enhance security and user experience. The increasing adoption of 3DS 2.0, with its improved frictionless authentication capabilities, will likely contribute to wider acceptance. However, challenges remain, including the complexities of implementing and managing 3DS solutions and the potential for increased costs for businesses. Despite these challenges, the long-term prospects for the 3DS authentication market remain positive, driven by the ongoing need for enhanced security in the rapidly evolving digital landscape. The market is expected to see further consolidation as major players continue to acquire smaller firms to expand their capabilities and market reach.