Capital Markets Day

September 29, 2020

 Mariette Swart Jean Mies

Agenda Solutions 


Merchant–driven innovation
Tour around the world 


Latin America

September 29, 2020

Sunil Dixit Brian Dammeir
Solutions 
 Tour around the world 


Enterprise Digital & Online North America

Solutions 
 Derk Busser Warren Hayashi

Enterprise Retail
 Tour around the world 

Pieter van der Does
Food/Beverage & Hospitality Asia–Pacific
Welcome & introduction
Solutions 
 Blake Breathitt Q&A All

Pieter van der Does & Ingo Uytdehaage Enterprise Platforms & Marketplaces

People & culture

Martine de Visscher
Solutions 


Mid-market
Kamran Zaki

Scaling a global company Q&A All

Break Break
 Today’s presenters

Pieter van der Does Ingo Uytdehaage Mariette Swart Kamran Zaki Warren Hayashi
Co-founder & CEO CFO CLCO COO Regional lead 

Asia-Pacific

Jean Mies Brian Dammeir Sunil Dixit Blake Breathitt Derk Busser Martine de Visscher
Regional lead
 Regional lead
 Solution lead Solution lead Solution lead Solution lead

Latin America North America Product Product Product Product
People & culture
The
Adyen Formula

1 We build to benefit all merchants 
 5 We don’t hide behind email,


(not just one) instead we pick up the phone

2 We make good choices to build an 
 6 We talk straight without

ethical business and drive sustainable 
 being rude
growth for our merchants
7 We include different people to sharpen
3 We launch fast and iterate our ideas

4 Winning is more important than ego; we work 8 We create our own path and won’t
as a team - across cultures and time zones be slowed down by “stewards”
How we hire talent


We look for Formula fits

Board member interviews

Measured growth approach

Why talent stays
with us


Talent grows with us

Create your own path

Company culture
How people grow
with us


Ownership

We work in cross-functional teams

The Adyen Way of Leading Teams

How we work as a
team during
COVID-19


Remote onboarding and training

Normal course of life

Remote events
We include other
people to sharpen
our ideas
Scaling a global
company
* NB: The exact number of FTEs is shown as of 2015
Scalable 1 year

architecture enables
exponential growth
• Single code base 2 years

• Distributed stateless architecture

10+ years

2008 2010 2012 2014 2016 2018 2020

* Number of transactions
 The power of one platform
Merchant
Merchant Gateway
Gateway Risk
Riskmanagement
management Processing
Processing Schemes
Schemes Issuers
Issuers

Traditional
platforms

PSP
PSP Acquirer
Acquirer

Processing

Merchant
Merchant Gateway
Gateway Risk
Riskmanagement
management Processing
& Acquiring Schemes
Schemes Issuers
Issuers

The Adyen
platform

PSP Acquirer
 The power of one platform
ateway Risk management Processing
Merchant Schemes
Schemes Issuers
Processing Risk Card printing Cardholder

Traditional
platforms

PSP Acquirer Issuer KYC Authentication

ateway Risk management Merchant

Processing Schemes
Schemes Processing
Issuers Risk Issuer KYC Card printing Authentication Cardholder

The Adyen
platform

PSP Acquirer
 Commercial payments
Using physical or virtual cards to pay suppliers | Merchant is cardholder

Customer Adyen Acquiring Platform Deliveryman A Restaurant Adyen or any

places order Merchant Acquirer

Adyen Issuing Electronics

 Commercial programs
Using physical or virtual cards to pay for company expenses | Customer of expense program is card holder

Employee card Travel Merchant Acquirer

Company A Wire transfer Expense program Employee card Online Merchant Acquirer

Adyen Issuing Employee card Office supplies Merchant Acquirer

Cocktails Merchant Acquirer

Adyen Issuing: extending the value chain
Merchant
Merchant Gateway
Gateway Risk management
Risk Processing Schemes
Schemes Issuers
Processing Risk
Processing Card printing Cardholder

PSP
PSP Acquirer
Acquirer Issuer KYC Authentication

Merchant Gateway
Gateway Risk management
Risk Acquiring Processing
Processing Schemes
Schemes Issuers
Processing Risk Issuing KYC Printing Authentication Cardholder
Merchant

PSP Acquirer
Solutions
Merchant–driven
innovation
Cross-functional
workstreams
 Enterprise Digital & Online

Enterprise Retail, Food & Beverage and Hospitality

Core Platform Core Finance

Enterprise Platforms and Marketplaces

Mid-market
Solutions
Enterprise
Digital & Online
We are a future-proof partner
to our merchants

Engineering first Scalable platform Membership to Growth enabler

innovation
Reach the highest
rate of conversion
while maintaining
acceptable risk
The problem
1 in every 5
payments is
declined
 Facilitating higher
authorization rates at scale

Checkout Routing Messaging Recovery

 We are a future-proof partner 

to our merchants

6766 6766 6746 2166 6766 6766 6746 2166 6766 6766 6746
12/24 J. Doe 12/24 J. Doe
Solutions
Enterprise Retail, 

Food & Beverage
and Hospitality
What makes us stand out

A strong unified commerce offering

Simplified Full control over Global unified Shopper

operations & configuration and commerce data and
integrations software offering Insights
 1000 locations

500 locations

2000 locations PSP Acquiring

PSP Acquiring

Payment acceptance PSP Acquiring

300 locations

can be complicated
800 locations
PSP Acquiring
800 locations

• Multiple acquirers and gateways

PSP Acquiring
• Separate integrations PSP Acquiring

• Separate reporting

• Different types of terminal hardware

Reporting

Merchant
 2000 locations 1000 locations 500 locations

800 locations 300 locations 800 locations

…but it doesn’t
have to be
• One contract

• One integration for all countries and channels

• Singular overview of all payments PSP Processing Acquiring

• One integration across countries and channels

Reporting

Merchant
 Global reach with one solution for
point–of–sale across four continents
The Adyen 

unified commerce

experience
• Click–and–collect

• Self-service ordering

• Drive–through

• Counter top

• Loyalty programs

• Future journeys
We enable our
merchants to
• Increase transaction speed

• Provide their customers tailor-made experiences

• Improve engagement with their customers

Full control

Offering a great
merchant experience
• Self-service terminal ordering & configuration

• Self-boarding terminals

• Fast pairing with cash registers

• Automatic remote updating

Simple integration to
facilitate in–person,

in–app, or online
payments

Terminal API Checkout

 Providing a taste of home

Offer customers’ preferred payment methods
Insights

Linking all
transactions made
with the same card
Insights

Turning receipts 

into actionable
customer data
Insights

Analyzing unified
payments data in
one place
Solutions
Enterprise Platforms
& Marketplaces
 One integrated solution
Processing

Merchant
Merchant Gateway
Gateway Risk
Riskmanagement
management Processing
& Acquiring Schemes
Schemes Issuers
Issuers

The Adyen
platform

PSP Acquirer

Adyen for
Platforms
Funds Control Onboarding & Verification Flexible Payouts
 Offering a personalized 

onboarding experience
Seller can start processing Collect information Collect bank
without payout for verification information for payout
 Shopper

In-person charge $100

Calculate
allocations
Divide payments
between platform
Platform
and accounts
Platform account $10 Sub-seller account $90

-$2 fees

Platform bank $8 Sub-seller bank $90

Platforms in control

Payout configurations

Scheduled API-initiated
payouts payouts
Solutions
Mid–market
Providing the full
strength of the
Adyen platform 

via simplified
integrations
Supporting 

mid-market
merchants
throughout their
growth trajectories
Plugins &
partnerships 

Our mid-market
product approach
Latin
America
Latin America’s
payment landscape
at a glance
• Market expansion driven by several secular
tailwinds

• Payments infrastructure dominated by local banks

• Financial inclusion driving ongoing shift towards

card payments - in-store and online
Increased need for a
unified commerce
solution driven by
the digitization of
commerce
Serving global 
 Serving Latin American
merchants expanding 
 merchants in a market
into Latin America transitioning towards online
North
America
* NB: This map does not include remote FTE's
Serving North
American merchants
going abroad
Leveraging one platform to access a wide
array of payment methods and acquiring
connections around the world
Serving North American
merchants in an increasingly
evolving domestic market
Meeting the demand of digitization for
Online, Unified Commerce, and Platform
merchants
North America is a quickly evolving
market driven by changing shopper
behavior

Payment method proliferation The merging of channels in Evolution from the card
Unified Commerce networks
Help North American
merchants expand
cross-border
Technology Unified commerce Platforms and
and online and point-of-sale marketplaces
Technology 

and online
Unified commerce
and point-of-sale
Platforms and
marketplaces
APAC
Digitization of
commerce on the
consumer side

Cash to cashless Super apps

Buy Now Pay Later Unified commerce

 China South Korea
Alipay WeChatPay Korean local cards
UnionPay Bank Transfer
Online Banking (C) PayCo

India Japan
RuPay Convenience stores
Pay-Easy
UPI NetBanking
Online Banking
PayTM

Hong Kong
Thailand
Cash over Counter Alipay HK
Online Banking

Vietnam
Malaysia
Online Banking
7-Eleven GrabPay
Online Banking MoMo
RazerGold MoMo ATM
GrabPay

Philippines
Indonesia PayMaya GCash
Doku GrabPay
Bank Transfer
Convenience stores
Convenience stores Payment centres
Online Banking

Australia
eftpos
POLi
Afterpay (C)
Local cards Prepaid card Cash Direct debit
Zip
Wallet Online banking Open invoice / Instalments

Adyen offers full service for all payment methods listed, unless they are marked with:
(C): requires a contract with the payment method, Adyen acts only as a gateway (no reconciliation included)
(R): requires a contract with the payment method, while Adyen offering includes reconciliation
Global companies APAC companies Serving APAC
expanding into expanding 
 companies
APAC cross-border domestically
Disclaimer
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