Offer business accounts to users on your platform

There are some critical differences between Adyen Accounts and traditional bank accounts. Adyen Accounts allow you to embed financial services into your platform and offer banking as a service to your users under your own brand.

Because Adyen Accounts is built on our single financial infrastructure, you can offer users on your platform an account without the long waiting times and paperwork associated with opening a traditional bank account. Since our solution is API-based, you can tailor the banking experience to match your brand and what your users need.

Business accounts with a provider users know and trust With our API-based account solution, you embed the offering of balance and business accounts into your platform. You can create a banking as a service experience that's completely branded as your platform, giving users one seamless experience between running their business and their financial operations.

You can also tailor your account offering to the needs of your account holders and change your offering as your users' needs change.

Open a business account fast With Adyen Accounts, users on your platform can open a balance or business account in record time. Your platform already has a lot of the information needed to open an account. We use that to allow platform users to open accounts fast by significantly speeding up the process of collecting and checking KYC data.

Fast access to money and revenue Because Adyen Accounts is built on our proprietary banking infrastructure, payments processed through Adyen stay on our single platform. The lack of dependencies on traditional banks or other third parties allows us to give users of your platform fast and reliable access to cash. It also gives real time insights into money flows to create the most effective financial operation.

For Business Accounts, we always pay at the end of each sales day for payments processed by Adyen. Sellers on your platform can even be paid in real time for payments processed on our platform for a small extra fee.

There are clear benefits for your platform or marketplace to offer Adyen Accounts. With Adyen Accounts, you provide a better solution to platform users to streamline their business and financial operations. 

Reduce churn Offering Adyen Accounts can help you attract and retain platform users. By embedding business accounts into your platform, you create a solution allowing users to manage their business and money in one place. This will help SMBs streamline their operations, reduce money management time, and incentivize users to run more business through your platform. 

Unlock new revenue streams Embedded financial products are quickly becoming a pillar of revenue for platforms, reducing your dependency on paid advertising or subscription plans. With the competitive pricing of Adyen Accounts, you can monetize your account offering as you see fit. If you want to learn more about our pricing, you can contact one of our sales reps here.

Low cost and risk Thanks to our API solution, embedding Adyen Accounts into your platform is easy and fast. The only investment on the side of your platform is building a fully branded account experience and a set fee per account. We absorb the risk, and our proprietary banking infrastructure, legal, and financial licenses make sure your offering is compliant in all the regions it's offered. 

Opening a business account with a traditional bank takes time and effort and is one-size-fits-all. With Adyen Accounts, you allow users on your platform to open accounts in record time and can offer them an account that fits their specific needs.

Manage business and money in one place Your users have used your platform to run important parts of their business. By offering embedded accounts, you can cater to your customer's business needs even more by allowing them to manage their finances where they sell. Expanding your offering with embedded banking as a service functionality allows users to move another crucial part of their business to a platform they know and trust.

Tailored banking experiences You know your users best. That goes for their business needs, as well as their banking needs. That’s why you can create fully customized and modular banking experiences for your users. If their needs change, you can change your accounts offering to further simplify their money management. 

Fast access to cash Because you already run payments on your platform through Adyen, adding accounts will give your users fast access to cash. Since there are no dependencies on traditional banks or other third parties, funds can be made accessible in real time, depending on your setup. 

For business accounts, we automatically pay at the end of each sales day. This significantly reduces the waiting time, giving your users the tools to manage their cash flow better. If you want your users to get payments transferred into their accounts in real time, we charge a small fee.

Open a business account in minutes Opening a traditional business bank account can take weeks. Time from the application to actual access to the account adds up quickly, thanks to fragmented systems and in-person appointments. Applicants need to provide a mountain of paperwork to supply KYC data, which then needs to be processed by the bank. Often, they even need to visit physical offices that are disappearing quickly.

You already know your user. We use account information you already have to create a fast and streamlined account application process that's fully on-platform. 

You need to be an Adyen for Platforms user to offer Adyen Accounts. Accounts works in conjunction with our other embedded financial products, so you can provide your users with everything they need when they need it.

Accounts is currently available to selected platforms in the US, UK, and Europe only. If you want to learn more about Accounts and show interest, request an invite here.

We charge fixed fees for our business accounts, allowing you to monetize your account offering to best suit your business strategy.

You can request an invite using the form on this page if you want to learn more about our pricing.