Adyen N.V.

“building a single, in-house financial technology platform to reduce the complexity of global commerce”

“Adyen is the financial technology platform trusted by the world's leading businesses. We simplify global commerce by replacing what is traditionally a fragmented, multi-party setup with a single platform built entirely in-house.”

“We organize our commercial activities into three pillars. Digital supports online-first enterprises such as subscription businesses, travel, and mobility.”

“Structured across three commercial pillars — Digital, Unified Commerce and Platforms”

“In July 2025, Adyen joined our customer, Kate Spade, on a multi-day field mission to Kigali, Rwanda.”

“Our customers include both business-to-business (B2B) and business-to-consumer (B2C) companies across sectors such as hospitality, food & beverage, retail, and e-commerce”

“Adyen Giving is the technology that removes barriers nonprofits face in global fundraising... keeping donations separate from the payment flow and offering one streamlined integration”

“Through our impact technology product (Adyen Giving), we also support merchants in raising funds and awareness for global nonprofits aligned with the UN SDGs”

“This is evident in the evolution of Dynamic Identification as a foundational layer. Built on our single stack and banking infrastructure, it draws on trillions of interactions across online and in-store commerce to inform decisions in real time.”

“Adyen Uplift, our AI-optimization product suite. Following a successful pilot in 2024, Adyen Uplift operated at scale for the first time in 2025”

“Net revenue €2,364.2 MN FY 18% YOY (21% CONSTANT CURRENCY)”

“contributed to a devaluation of the U.S. dollar against the euro. This devaluation has persisted and negatively impacted the translation of Adyen’s U.S. net revenues into euros.”

“This primarily includes the manufacturing of our physical products, like POS terminals, the inbound logistics required to transport them to our facilities, and the providers of our data centers and payment partnerships.”

“With 4,771 FTEs and 29 offices across 21 countries”

“Our product offering spans both payments and financial services, all operated end-to-end on our own infrastructure and banking licenses.”

“driven primarily by net revenue expansion with existing customers”

“Policy shifts, including changes to U.S. tariffs, accelerated the need to pivot to new regions.”

“Launched in 2022, our 1% Commitment directs 1% of annual net revenue to initiatives that advance the United Nations Sustainable Development Goals (UN SDGs).”

“Our Strategic Impact Partners — global nonprofits driving high-impact initiatives — include Doctors Without Borders, UNICEF and UNHCR.”

“We are extending our existing platform so that agent-initiated transactions can become another channel within established workflows, governed by the same principles of security, interoperability, and merchant control.”

“our 1% Fund enables most of these priorities. The adjacent table outlines the full scope of the targets we have set for our material sustainability matters through 2030, which are reported quarterly to the Management and Supervisory Boards”

“we increasingly seek to use our unique position in the commerce ecosystem, to connect with and deepen collaboration with customers across Adyen Giving, grantmaking, and shared initiatives.”

“the Enterprise Risk and Internal Control functions expanded their teams in 2025. Both functions also established dedicated sub-teams specializing in core risk domains”

“we continue building toward becoming one of the world's leading fintech platforms”

“In 2025, total Scope 3 emissions increased by 20%, but remained in line with the prior year as a proportion of total GHG emissions at 82% (2024: 84%).”

“We completed the regulatory evaluation and integration of foreign exchange derivatives, which Adyen may use periodically for liquidity management”

“including the payments regulation PSD3, product and software security standards such as PCI Mobile Payments on Commercial Devices (MPOC) and the PCI Software Security Framework”

“In 2025, there were no critical availability incidents related to IT excellence scenarios requiring regulatory notification, and Adyen did not breach any risk appetite.”

“we observed a rise in state-sponsored attacks targeting core banking systems and the accelerated use of AI-driven tools to scale financial fraud”

“Supplier-provided activity-based data currently accounts for 43% of our reported Scope 3 emissions.”

“Adyen has a low risk appetite for third-party dependency, particularly in relation to critical business functions.”

“Adyen also recognizes the industry-wide rise in authorized push payment fraud, where individuals or businesses are deceived into sending funds to fraudsters”

“can result in shoppers and customers delaying spending or merchants shifting their commercial focus away from volatile markets, potentially affecting demand for Adyen’s products and services.”

“Activities such as money laundering, terrorism financing, sanctions violations, and proliferation financing not only carry significant financial and regulatory risks”