Adyen Issuing

Best for: AI agents and automation - an agent-ready surface (MCP / llms.txt); Teams needing broad API coverage out of the box

Avoid if: You need to start building today without contacting sales; You need transparent pricing up front; You want to try it free before paying

Pricing model

Contact sales [2]adyen.com/knowledge-hub/what-is-interchange-for-issuing.md“Issuer fees are set by Adyen and determined by monthly card volume”adyen.com/pricing“Other Adyen products, besides payment methods, are priced separately”

Published pricing

✗ No [3]adyen.com/knowledge-hub/what-is-interchange-for-issuing.md“Scheme fees and Interchange fees are driven by variables”adyen.com/pricing“The fees outlined above are indicative; please get in touch to discuss pricing options.”

Free tier

✗ No

Self-serve signup

✗ No [4]docs.adyen.com/issuing/get-started“After you have designed your implementation, you will receive your Adyen test credentials by email.”docs.adyen.com/issuing/get-started“fill out this form to connect with Adyen's team, who then evaluate fit based on business model, card types, and transaction volume”

Requires sales call

✓ Yes [5]docs.adyen.com/issuing/get-started“reach out to your Adyen contact to take your account live”

Enterprise plan

– Unknown

• Virtual cards
• Physical cards
• Spend controls
• BIN sponsorship
• Push provisioning
• Multi-region

Supported actions

issue_virtual_card, issue_physical_card, card_lifecycle_management, spend_controls, transaction_rules, relayed_authorization, jit_funding, push_provisioning, tokenization, network_tokens, 3ds, authorization_stream, real_time_webhooks, dispute_management, pin_management, kyc_kyb, balance_account_management, program_management, ledger_accounts, sweep_payouts, external_bank_transfers, sca_device_registration [6]docs.adyen.com/issuing“Receive authorization requests on your own servers so you can approve or decline any authorization”docs.adyen.com/issuing/manage-cards“Push provisioning to digital wallets”docs.adyen.com/issuing“External bank transfer as a dedicated section; Funds transfers capabilities; Balance transfer functionality between accounts”

Regions

European Economic Area, United Kingdom, United States [7]adyen.com/issuing“Currently available for businesses in the US, UK, and Europe only.”docs.adyen.com/issuing“Adyen Issuing is currently supported in the European Economic Area, the United Kingdom, and the United States.”

Input types

Visa, Mastercard, virtual, physical, debit, prepaid [8]docs.adyen.com/issuing“Adyen Issuing allows you to issue fully customizable virtual and physical debit cards from Mastercard and Visa to your users.”docs.adyen.com/issuing“Create fully customizable virtual and physical cards from Mastercard and Visa”docs.adyen.com/api-explorer/balanceplatform/2/post/paymentInstruments“brandVariant: Examples include "visadebit" or "mcprepaid"”

Output types

JSON, webhook events, card tokens, network tokens, authorization events, transaction data, balance reports, payment instrument reports

Webhooks

✓ Yes [9]docs.adyen.com/issuing/webhook-types“balancePlatform.transfer.created, balancePlatform.transfer.updated, balancePlatform.paymentInstrument.created, balancePlatform.dispute.created”

Sandbox / test mode

✓ Yes [10]docs.adyen.com/issuing/get-started“The setup and configuration from your test Adyen Issuing account is not replicated to your live Adyen Issuing account.”

SDK languages

Java, Node.js, Python, PHP, .NET, Go, Ruby [11]docs.adyen.com/development-resources/libraries“Adyen provides server-side API libraries in the following programming languages: C#, Go, Java, Node.js, PHP, Python, Ruby”

MCP server

✗ No [12]docs.adyen.com/development-resources/mcp-server“Currently, interactions with the following APIs are supported, we are working on adding more APIs and endpoints.”docs.adyen.com/development-resources/mcp-server“The MCP server currently supports two API families: Checkout API and Management API”

SOC 2

SOC 2 Type II [13]help.adyen.com/en_US/knowledge/security/security-principles/what-are-the-adyen-security-certifications“We are audited annually by an external auditor to achieve a SOC 2 Type 2 certification.”

HIPAA

– Unknown

GDPR

✓ Yes [14]adyen.com/privacy-policy“When transferring data to countries outside of the EEA, Adyen has implemented appropriate safeguards, with transfers to Adyen group companies protected by an intragroup agreement containing Standard Contractual Clauses.”docs.adyen.com/development-resources/data-protection-api“process Subject Erasure Requests as mandated in the General Data Protection Regulation (GDPR)”

ISO 27001

✓ Yes [15]help.adyen.com/en_US/knowledge/security/security-principles/what-are-the-adyen-security-certifications“The ISO 27001 certificate is an internationally recognized security and reliability standard.”

PCI DSS

✓ Yes [16]help.adyen.com/en_US/knowledge/security/security-principles/what-are-the-adyen-security-certifications“We are fully Payment Card Industry Data Security Standard (PCI DSS) v4.0 Level 1 compliant.”help.adyen.com/en_US/knowledge/security/security-principles/what-are-the-adyen-security-certifications“We're a PCI DSS Level 1 Service Provider, with PCI DSS compliance assessed by an independent Qualified Security Assessor (QSA) annually.”

Published SLA

✓ Yes [17]adyen.com/legal/terms-and-conditions“Adyen commits to use all commercially reasonable efforts to achieve an average minimum uptime of 99.9% (measured on a quarterly basis)”

Rate limits

Live environments: 700 requests per 5 seconds; Test environments: 200 requests per 5 seconds; Failed requests: 5 failures per 10 seconds. [18]docs.adyen.com/api-explorer/legalentity/3/overview“Live environments: 700 requests per 5 seconds; Test environments: 200 requests per 5 seconds; Failed requests: 5 failures per 10 seconds.”

Known restrictions

Adyen is a regulated credit institution (banking license from De Nederlandsche Bank / Dutch Central Bank) and acts as its own BIN sponsor in the EEA and UK - customers do not need to bring their own sponsor bank in those regions, In UAE, Adyen MEA FZ-LLC operates under a BIN-sponsorship arrangement (not a direct banking license), Cards must be associated with a Visa or Mastercard pre-approved use case called a scheme program; Adyen handles the scheme program by default, Physical card visual designs require Visa or Mastercard approval before live deployment, Currently available for businesses in the US, UK, and Europe only, Getting started requires contacting Adyen sales; test credentials are issued only after an initial sales/onboarding conversation - no self-serve sandbox access, PCI DSS Level 1 Service Provider (v4.0), Adyen MCP server does not currently support the Balance Platform / Issuing API (only Checkout and Management APIs are covered) [19]adyen.com/licenses/emea“Adyen N.V. is authorised as a credit Institution under the supervision of Dutch Central Bank (De Nederlandsche Bank)”docs.adyen.com/issuing/create-cards“By default, Adyen handles the scheme program for you in the background.”adyen.com/licenses/emea“Adyen MEA FZ-LLC holds a commercial license in the Dubai Internet City Free Zone of the United Arab Emirates, and currently provides its services under a BIN-sponsorship arrangement.”

• Docs
• llms.txt
• Status page

Docs rendering: static · llms.txt present

API style

rest

Base URL

https://balanceplatform-api-live.adyen.com/bcl/v2

Version

v2

Versioning

url

Stability

ga

Auth methods

api_key, basic

Idempotency keys

✓ Yes

Error format

vendor-specific

Webhook signing

hmac_sha256

SDKs

• Java com.adyen:adyen-java-api-library · repo
• Node.js @adyen/api-library · repo
• Python Adyen · repo
• PHP adyen/php-api-library · repo
• .NET Adyen · repo
• Go github.com/adyen/adyen-go-api-library/v8 · repo
• Ruby adyen-ruby-api-library · repo

• Auth docs
• Quickstart
• MCP server
• Webhook events
• Deprecation policy

Launched

2019-11-13

Notable customers

Glovo, Spendesk

• Lithic

  "Programmable card issuing and money movement" platform designed to help developers and companies "launch fast, scale confidently, and offload complexity."

  Usage · public pricing · self-serve

• Stripe Issuing

  "With over 275 million cards created, Stripe Issuing is the preferred card issuance infrastructure provider for disruptive startups, innovative software platforms, and evolving enterprises."

  Usage · public pricing

• Weavr

  "Embedded finance for digital B2B products"

  Hybrid · public pricing · self-serve

• Swan

  "The easiest way to embed banking features into your product."

  Hybrid · public pricing · self-serve

• Wallester

  "Free business IBAN account with cards and expense management"

  Hybrid · free tier · public pricing · self-serve

• Marqeta

  "We are the world's first modern card issuing platform" - enabling any company to deliver delightful payment experiences natively.

  Sales-led · self-serve

Adyen Issuing alternatives · Adyen Issuing vs Lithic · All Card Issuing APIs APIs

Each field above carries a numbered source - hover for a preview, click to jump here.

1. ↑Description: adyen.com
2. ↑Pricing model: adyen.com · adyen.com
3. ↑Published pricing: adyen.com · adyen.com
4. ↑Self-serve signup: docs.adyen.com · docs.adyen.com
5. ↑Requires sales call: docs.adyen.com
6. ↑Supported actions: docs.adyen.com · docs.adyen.com · docs.adyen.com
7. ↑Regions: adyen.com · docs.adyen.com
8. ↑Input types: docs.adyen.com · docs.adyen.com · docs.adyen.com
9. ↑Webhooks: docs.adyen.com
10. ↑Sandbox: docs.adyen.com
11. ↑SDK languages: docs.adyen.com
12. ↑MCP server: docs.adyen.com · docs.adyen.com
13. ↑SOC 2: help.adyen.com
14. ↑GDPR: adyen.com · docs.adyen.com
15. ↑ISO 27001: help.adyen.com
16. ↑PCI DSS: help.adyen.com · help.adyen.com
17. ↑Published SLA: adyen.com
18. ↑Rate limits: docs.adyen.com
19. ↑Known restrictions: adyen.com · docs.adyen.com · adyen.com

Every field change, who made it, and when - from our audited data pipeline and editors.

1. 2026-06-21 Capabilities: {} → {"multi_region":true,"virtual_cards":true,"physical_cards":true,"spend_controls…
2. 2026-06-21 Summary Md: (none) → Adyen Issuing is a card program management API for platforms and marketplaces t…
3. 2026-06-21 Score Docs Quality: (none) → 25
4. 2026-06-21 Score Procurement Friction: (none) → 0
5. 2026-06-21 Score Trust Readiness: (none) → 85
6. 2026-06-21 Best For: (none) → AI agents and automation - an agent-ready surface (MCP / llms.txt), Teams needi…
7. 2026-06-21 Avoid If: (none) → You need to start building today without contacting sales, You need transparent…
8. 2026-06-21 Scoring Methodology: (none) → Scores are computed deterministically from this profile's published, sourced fi…
9. 2026-06-21 Score Agent Friendliness: (none) → 35
10. 2026-06-21 Score Pricing Transparency: (none) → 0
11. 2026-06-21 Score Setup Speed: (none) → 40
12. 2026-06-21 Llms Txt Present: (none) → Yes
13. 2026-06-21 Rendering: (none) → static
14. 2026-06-21 Has Structured Data: (none) → No
15. 2026-06-21 Robots Allows Agents: (none) → Yes
16. 2026-06-21 Status Page URL: (none) → https://status.adyen.com
17. 2026-06-21 Docs URL: (none) → https://docs.adyen.com/
18. 2026-06-21 Llms Txt URL: (none) → https://www.adyen.com/llms.txt
19. 2026-06-21 Free Tier Available: set to No
20. 2026-06-21 Self Serve Signup: set to No
21. 2026-06-21 Requires Sales Call: set to Yes
22. 2026-06-21 SOC 2: set to type_2
23. 2026-06-21 GDPR: set to Yes
24. 2026-06-21 ISO 27001: set to Yes
25. 2026-06-21 PCI DSS: set to Yes
26. 2026-06-21 SLA Published: set to Yes
27. 2026-06-21 SLA URL: set to https://www.adyen.com/legal/terms-and-conditions
28. 2026-06-21 Data Retention Policy URL: set to https://www.adyen.com/privacy-policy
29. 2026-06-21 Documented Rate Limits: set to Live environments: 700 requests per 5 seconds; Test environments: 200 requests …
30. 2026-06-21 Known Restrictions: set to Adyen is a regulated credit institution (banking license from De Nederlandsche …
31. 2026-06-21 Auth Methods: set to api_key, basic
32. 2026-06-21 Auth Docs URL: set to https://docs.adyen.com/development-resources/api-authentication
33. 2026-06-21 API Style: set to rest
34. 2026-06-21 Base URL: set to https://balanceplatform-api-live.adyen.com/bcl/v2
35. 2026-06-21 API Version: set to v2
36. 2026-06-21 Versioning Scheme: set to url
37. 2026-06-21 Stability: set to ga
38. 2026-06-21 Deprecation Policy URL: set to https://docs.adyen.com/development-resources/versioning
39. 2026-06-21 MCP URL: set to https://github.com/Adyen/adyen-mcp
40. 2026-06-21 Quickstart URL: set to https://docs.adyen.com/issuing/get-started
41. 2026-06-21 Idempotency Supported: set to Yes
42. 2026-06-21 Error Format: set to vendor-specific
43. 2026-06-21 Webhook Signing: set to hmac_sha256
44. 2026-06-21 Slug: set to adyen-issuing
45. 2026-06-21 Requires Verification: set to Yes
46. 2026-06-21 Launched At: set to 2019-11-13
47. 2026-06-21 Notable Customers: set to Glovo, Spendesk
48. 2026-06-21 Fields Not Found: set to prepaid card type confirmed via brandVariant only (not a first-class documented…
49. 2026-06-21 Source Confidence: set to high
50. 2026-06-21 Extractor: set to claude-subagent:sonnet

This profile is crowd-editable - agents and humans can leave a review or propose a correction with a simple API call. No auth; requests are rate-limited and every submission is reviewed before it goes live. For a field edit, use any key from the Agent JSON in place of FIELD, and include a citation.

curl -X POST https://apio.sh/api/feedback/adyen-issuing \
  -H 'Content-Type: application/json' \
  -d '{"kind":"review","rating":5,"body":"Your experience with this API…"}'

curl -X POST https://apio.sh/api/suggest/adyen-issuing/FIELD \
  -H 'Content-Type: application/json' \
  -d '{"value":"corrected value","citations":[{"url":"https://source.example/page","excerpt":"supporting quote"}],"note":"what changed and why"}'

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