FeeTeardown

Your Adyen fees, taken apart

Send me one month of your Payment Accounting Report. You get a written breakdown of what you pay in interchange, scheme fees and Adyen markup, by card type, with the payments that cost more than they should.

Request a teardown See a sample report

Questions your invoice doesn't answer

Which card types cost me the most?
Fees as a share of the amount paid, split by card brand, debit or credit, and the issuer's country, with commercial cards pulled out on their own.
Why did this payment land in the higher interchange program?
The report reads the interchange program Adyen recorded for each payment, so you can see which commercial cards priced at the standard rate instead of the lower rate that goes with detailed transaction data.
Do the numbers add up?
Every settled row is checked: amount captured, minus fees, equals what was paid out. Anything that doesn't is listed by payment reference.
What should I ask Adyen, or my developers, to look at?
A short list of things to check, ordered by how much money is at stake, in plain language you can forward.

What a finding looks like

Illustrative data. A made-up U.S. merchant with 4,000 settled payments. Program names and rates are invented for the sample.

Commercial cards were 8% of payments but 46% of all fees. Inside them, two different interchange programs:

Interchange programPaymentsVolumeAll-in rate
Commercial Card Standard248$192,8273.25%
Commercial Level 3 Data75$57,1092.70%

If the 248 standard payments had priced like the Level 3 ones, the month would have cost about $1,060 less.

Whether a payment qualifies for the lower program depends on the data sent with it. The teardown shows which payments paid the higher one, so you know where to look.

Read the full sample report

How it works

  1. Export one month

    In your Adyen Customer Area, run the Payment Accounting Report with Funding Source, Issuer Country, Global Card Brand and ICSF details switched on.

  2. Remove personal columns and send it

    The teardown doesn't use shopper details or card numbers, so take them out first. I never need API keys or any access to your Adyen account.

  3. Read the teardown

    You get a written report and, if you want one, a short call to go through it.

Who is behind this

I'm Miguel Gomez, a software engineer who has spent years working on Adyen integrations and payment reconciliation. I started FeeTeardown because the Payment Accounting Report has the answers, but reading it row by row takes a finance team a lot of time.

FeeTeardown is an independent service. It isn't affiliated with, endorsed by or sponsored by Adyen.

Request a teardown

Tell me a little about your volume. I'll reply within one business day with a fixed price. Asking costs nothing and you don't send any data yet.