Acquiring Licenses
Payment Methods
Processed
Integrated
Gateway
Adyen, a unified commerce platform, an industry-aware payments layer
Adyen (Euronext Amsterdam: ADYEN) is one of the most technically ambitious payment companies in the world, a single platform that combines acquirer, gateway, processor, risk engine, and data layer in one stack, with direct acquiring licenses in 40+ countries, 150+ local payment methods, and 100+ currencies. It powers Uber, Spotify, Microsoft, eBay, McDonald's, and hundreds of other tier-1 enterprise merchants. What it doesn't give you, on its own, is an industry-aware payment experience tuned to the way distributors, manufacturers, healthcare providers, nonprofits, schools, government buyers, professional-services firms, and subscription businesses actually collect money.
That's the layer Clarity Payment Hub supplies. On top of Adyen's acquiring, gateway, and risk rails, Payment Hub adds branded industry checkout flows, a self-service customer portal tailored to each vertical, Level 2/3 auto-enrichment for commercial-card programs, ACH, SEPA, tokenized recurring billing, surcharging, and 25+ ERP connectors, so a distributor on Sage, a clinic on Epicor, a nonprofit on NetSuite, and a school on Oracle all get an experience that matches how their industry buys.
What Adyen owns, authorization, global settlement, RevenueProtect fraud, the unified commerce data model, direct acquiring, stays with Adyen. What Payment Hub owns, the industry-specific payment pattern, the ERP posting, the customer-facing portal, extends Adyen into the verticals it doesn't focus on natively. Your Adyen merchant account, interchange++ pricing, and platform configuration all stay exactly as they are.
How Payment Hub connects Adyen to your ERP
Clarity Connect, the integration engine under Payment Hub with 15+ years of active development, reads from and writes to your ERP in real time using each platform's supported API layer, and talks to Adyen over the Adyen Checkout API with Web Components and Drop-in for browser-side tokenization.
Inbound from ERP
Customers, contacts, open invoices with line items, account balances, credits, payment history, statements, all in real time.
Outbound to ERP
Applied cash receipts, Adyen shopper reference tokens, address updates, and Pay-on-Account allocations, posted the moment a customer authorizes payment.
Adyen-side processing
Adyen authorizes, runs RevenueProtect scoring, settles, and funds as usual. Clarity never inserts a spread, skims a basis point, or marks up transaction costs.
No ERP modifications
Clarity Connect uses only documented, supported integration points. No schema changes, no ERP-side custom code, no plugins to maintain across upgrades.
For cloud ERPs (NetSuite, Acumatica, Dynamics 365 BC, SAP S/4HANA Cloud) Clarity Connect talks directly to the ERP's cloud APIs. For on-premise ERPs (Dynamics GP/NAV, Sage 100/300, SAP ECC, Oracle EBS, SYSPRO, Epicor P21/Eclipse/Eagle) we use a lightweight outbound-only secure agent that calls from inside your network, no inbound firewall ports to open.
Industries Adyen + Payment Hub serves
Adyen is world-class at enterprise retail and unified commerce, but on its own it's platform-shaped, not industry-shaped. Paired with Clarity Payment Hub, Adyen becomes an industry-aware payments platform across the eight verticals Clarity has supported for 20+ years, with the full weight of Adyen's global acquiring and RevenueProtect risk tooling underneath.
B2B Distribution &, Wholesale
Commercial-card-heavy AR, line-item invoices, customer-specific pricing, and Level 2/3 interchange savings on every eligible card, plus SEPA and local APMs for international buyers.
- Level 2/3 auto-enrichment from ERP line-item data
- Customer portal with open invoices, short pays, credits
- ACH, SEPA, and card side-by-side on the same invoice
- Real-time cash application to the ERP
Manufacturing
Progress billing, milestone invoicing, deposits on long build cycles, and commercial-card programs from industrial buyers, domestic and cross-border.
- Deposits and milestone payments tied to sales orders
- Tokenized recurring for service and maintenance contracts
- Level 2/3 on dealer and distributor commercial cards
- Multi-currency billing for international dealer networks
Healthcare &, Life Sciences
Patient pay, payment plans, HSA/FSA card acceptance, and practice-management posting without PHI leaking into payment flows.
- Branded patient portal with balance and plan visibility
- Tokenized recurring for payment plans
- HSA/FSA and commercial card acceptance
- Posting to the practice-management or ERP system
Nonprofit &, Fundraising
Donation pages, recurring giving, pledges, tributes, and event registration, with international donor support through SEPA, iDEAL, and local APMs.
- Branded donation and giving pages with local APMs
- Recurring donations with tokenized card-on-file
- Designation and campaign tracking to the GL
- SEPA direct debit for European recurring gifts
Education
Tuition, fees, lunch accounts, enrollment, and continuing-ed registration, with SEPA and local APMs for international students.
- Tuition payment plans with tokenized recurring
- Branded parent / student portal
- International tuition via SEPA, local APMs, multi-currency
- Posting to SIS / ERP for real-time balance updates
Government &, Public Sector
Permit, license, utility, and citation payments with CEDP-ready Level 3 and clean audit trails back to the financial system.
- CEDP-ready Level 3 on every commercial-card transaction
- Branded citizen payment portals
- Fee-pass-through and convenience-fee configurations
- Posting to Tyler, Oracle, SAP, or Dynamics financials
Professional Services &, Agencies
Retainers, project billing, trust/IOLTA segregation, and hourly invoices, paid the same day they're sent, including from international clients.
- Pay-by-link and branded invoice payment pages
- Trust / IOLTA account segregation for legal workflows
- Tokenized recurring for retainers and monthly services
- Multi-currency invoicing for global client bases
Subscription, SaaS &, Membership
Recurring billing, dunning, proration, and account-updater, posted in real time to the subscription or ERP system of record. Global subscriber support is where Adyen shines.
- Tokenized recurring with Adyen account-updater
- Dunning, retry, and failed-payment recovery flows
- SEPA Direct Debit for European subscribers
- Real-time posting to the billing / ERP system
We can typically go live in 48 hours once ERP sandbox credentials and Adyen API keys are shared. Skip the reading and book a 30-minute walkthrough of your industry's exact flow.
The Missing LinkBetween Paymentsand Your ERP
Clarity Payment Hub closes that gap, connecting your orders, invoices, and payment channels into one flow.
Speak to a Platform ArchitectEvery payment method your customers actually use
Adyen's 150+ local payment methods are one of the broadest footprints on the market. Payment Hub surfaces the methods that matter per country and per industry, and hides the ones that do not.
Cards (global)
Visa, Mastercard, American Express, Discover, JCB, Diners, UnionPay, Cartes Bancaires, including commercial, corporate, and purchasing cards that qualify for Level 2/3 rates.
Bank Transfers &, Direct Debit
U.S. ACH, SEPA Direct Debit, UK BACS, Netherlands iDEAL, Germany SOFORT, Belgium Bancontact, Brazil PIX, and dozens of other local bank-transfer rails, all tokenized once and re-used in one click.
Local APMs (150+)
Alipay, WeChat Pay, Klarna, Afterpay/Clearpay, Trustly, Giropay, EPS, MultiBanco, MobilePay, Swish, and every other material local payment method across Adyen's global acquiring footprint.
Digital Wallets &, Click to Pay
Apple Pay, Google Pay, Samsung Pay, PayPal, and Click to Pay all render inside the Adyen-powered Payment Hub checkout. Payment Hub's own tokenized wallet remains the primary flow for repeat B2B buyers.
For large B2B accounts, we commonly set ACH or SEPA as the default payment method above a configurable dollar threshold, protecting your card-processing economics on seven-figure invoices while still giving customers a one-click experience. Per-country routing ensures an Italian buyer sees the methods they expect and a Brazilian buyer sees PIX.
Interchange savings and compliant surcharging
Two of the biggest unit-economics levers in B2B payments, Level 2/3 enhanced data and credit-card surcharging, ship in Payment Hub out of the box on top of Adyen.
Level 2 and Level 3 processing
Level 2 and Level 3 refer to enhanced transaction data (sales tax, customer code, invoice line items, purchase order number, freight, duty, product codes) that the card networks require to qualify large B2B transactions for the lowest interchange tiers. Without this data, B2B card transactions default to the most expensive commercial-card interchange.
Adyen supports Level 2/3 data passing on qualified Visa and Mastercard commercial cards in North America, plus CEDP-ready Level 3 for U.S. federal and state government purchasing. Clarity Payment Hub pulls the line-item, tax, and customer-code data from your ERP automatically and passes it to Adyen on every eligible transaction. There is nothing for your AR team to key in and nothing for the customer to fill out.
Compliant credit card surcharging
Payment Hub supports compliant credit card surcharging out of the box on Adyen. The platform handles state-by-state rule enforcement in the U.S., displays the legally required pre-authorization disclosure, caps the surcharge percentage at the allowed maximum (typically 3% per card network rules), and tracks the surcharge as a separate line in your ERP. Debit cards, prepaid cards, and non-surcharge-eligible cards are excluded automatically.
Surcharging rules vary internationally, the EU, UK, Australia, and other regions each have their own surcharging regulations, which Payment Hub enforces per country. Cash-discount programs are also supported where applicable.
Global reach and RevenueProtect
Two of Adyen's signature capabilities, direct global acquiring and the RevenueProtect risk engine, wired into the industry-aware flow your AR and risk teams actually work in.
Direct acquiring in 40+ countries
Adyen holds its own acquiring licenses in 40+ markets and processes in 100+ currencies. Payment Hub surfaces the correct local acquiring path per country automatically, no third-party acquirer stitching required.
RevenueProtect fraud scoring
Machine-learning fraud engine with 100+ risk checks, device fingerprinting, velocity profiling, and a case-management console. Payment Hub exposes the score in AR: high-risk holds, medium-risk step-up to 3DS2, low-risk straight through.
3D Secure 2 &, Payer Authentication
EMV 3-D Secure 2 for liability shift and SCA (Strong Customer Authentication) under PSD2 in Europe. Payment Hub triggers step-up challenges only when RevenueProtect flags medium-risk, keeping friction off low-risk repeat buyers.
Tokenization &, Account Updater
Adyen's shopper tokens replace raw card numbers with PCI-scoped references, and the Account Updater service keeps expired and reissued cards current automatically, critical for subscription, membership, and long-running B2B relationships.
Your risk team keeps working in the Adyen dashboard and tuning RevenueProtect rules they already know. Payment Hub simply wires the decisioning into the industry-aware checkout so AR sees the risk decision in real time, not after the fact. For enterprises with both retail and industry-specific AR flows on Adyen, this keeps the risk policy consistent across every channel.
Security, PCI scope, and regulatory compliance
Adyen is PCI DSS Level 1 certified, the highest tier, and is a licensed bank in the EU regulated by DNB (De Nederlandsche Bank). Clarity Payment Hub is built to push your deployment to the lightest compliance scope available.
- Tokenization at Adyen. Every card and bank account is tokenized directly at Adyen's PCI-certified vault via Web Components / Drop-in. Raw card numbers never touch Payment Hub's infrastructure and never touch your servers.
- SAQ A scope for most merchants. Because cardholder data is captured and stored entirely inside Adyen's environment, via hosted browser components and direct-to-processor tokenization, your PCI self-assessment drops to SAQ A, with no cardholder-data environment to audit.
- PSD2 / SCA ready. Adyen handles Strong Customer Authentication for European transactions under PSD2, including exemption management and 3DS2 friction only where required. Payment Hub surfaces SCA status inside the AR workflow.
- SOC 2 Type II. Clarity Ventures operates to SOC 2 Type II standards. Security, availability, confidentiality, and data-handling controls are independently audited on an ongoing basis.
- RevenueProtect + portal-level controls. Adyen's RevenueProtect scoring combines with portal-level controls (invoice-bound authentication, customer-matched billing addresses, single-use signed Quick Pay links) for a defense profile tuned to B2B invoice fraud, not just consumer card fraud.
- Outbound-only agent for on-premise ERPs. No inbound firewall ports. No VPN tunnel. No public ERP exposure.
Adyen + Payment Hub FAQ
The questions B2B AR, IT, and finance teams ask before rolling out Adyen through Clarity Payment Hub.
Which industries does Adyen + Clarity Payment Hub serve?
Eight verticals out of the box: B2B distribution and wholesale, manufacturing, healthcare and life sciences, nonprofit and fundraising, education, government and public sector, professional services and agencies, and subscription / SaaS / membership.
Each vertical gets an industry-aware payment pattern on top of Adyen's unified commerce platform, branded portals, real-time ERP posting, Level 2/3 data enrichment, ACH, SEPA, tokenized recurring, RevenueProtect fraud scoring, 150+ local payment methods surfaced per country. The same 48-hour rollout and 25+ ERP connector library covers every vertical, so a distributor on Sage, a clinic on Epicor, a nonprofit on NetSuite, and a municipality on Oracle all get an experience that matches how their industry buys.
Does Adyen support ACH, SEPA, and eCheck transactions?
Yes. Adyen supports U.S. ACH, SEPA Direct Debit across the Eurozone, BACS in the UK, and dozens of other local bank-transfer methods across its global acquiring footprint. Clarity Payment Hub exposes each of these as a first-class payment method in the branded portal and the tokenized wallet, which is typically the lowest-cost method for high-dollar B2B invoices.
Bank details are tokenized at Adyen so customers re-use them in one click without re-entering routing and account numbers. For European AR teams, SEPA Direct Debit is often the default method above a configurable threshold.
What is Adyen RevenueProtect and how does Payment Hub use it?
RevenueProtect is Adyen's integrated fraud and risk management suite, 100+ risk checks, machine-learning scoring against Adyen's full global network, velocity and device profiling, and a case-management console. It's one of the reasons large enterprises run on Adyen in the first place.
Clarity Payment Hub exposes RevenueProtect's decisioning inside the AR workflow: high-risk orders hold for review, medium-risk require 3D Secure 2 step-up, and low-risk clear straight through. Your risk team keeps the same Adyen dashboard and rule set, Payment Hub simply makes the decisioning visible in real time where AR actually works.
Can Adyen pass Level 2 and Level 3 data for interchange savings?
Yes. Adyen supports Level 2 and Level 3 enhanced data on qualified Visa and Mastercard commercial-card transactions in North America, plus CEDP (Customer-Defined Enhanced Data Program) for U.S. government purchasing. Clarity Payment Hub pulls the line-item, tax, and customer-code data from your ERP automatically and passes it to Adyen on every eligible transaction.
B2B merchants commonly save 0.5–1.0% (up to 30% off transaction fees) of each eligible card transaction when Level 2/3 data is passed correctly. On a $50,000 invoice that is $250–$500 of margin preserved, on every transaction.
Does Adyen support cross-border and multinational payments?
Yes, this is one of Adyen's strongest capabilities. Adyen holds direct acquiring licenses in 40+ countries, supports 150+ local payment methods (iDEAL, SEPA, Bancontact, SOFORT, Przelewy24, Alipay, WeChat Pay, PIX, Klarna, and more), and processes in 100+ currencies.
For distributors, manufacturers, and subscription businesses with international customers, Clarity Payment Hub surfaces the right local payment methods per country automatically, a European B2B buyer pays via SEPA and an APAC buyer pays via local wallet, all posting back to the same ERP in real time. No third-party acquirer stitching, no second gateway contract.
How does Clarity Payment Hub handle Adyen settlements?
Adyen authorizes and settles transactions on its own rails and funds on its own schedule (including Adyen Balance Platform for split settlements if you're on Adyen for Platforms). What Clarity Payment Hub changes is the ERP side: the applied cash receipt is written back to your ERP in real time the moment the customer pays.
There is no overnight batch, no CSV import, and no manual cash application. Invoice status, account balance, and aging reports update immediately in your ERP, which is how the DSO drop and the AR-time savings become real.
What is the integration cost and timeline for Adyen through Payment Hub?
Clarity Payment Hub is packaged software, not a custom build. A typical Adyen + ERP go-live takes 48 hours once Clarity receives ERP sandbox credentials and Adyen API keys. No new servers, no middleware, no custom code on your ERP.
You keep your Adyen merchant account and your negotiated interchange++ rates, Clarity does not insert a transaction markup or skim basis points. Implementation is a flat subscription with the ERP integration included.
Is Adyen PCI compliant and how does it affect our own PCI scope?
Adyen is PCI DSS Level 1 certified, the highest tier, and is a licensed bank in the EU regulated by DNB (De Nederlandsche Bank). Clarity Payment Hub uses Adyen Web Components and Drop-in to tokenize card data directly in the customer's browser, meaning raw PAN never reaches your servers, Payment Hub's servers, or the network in between.
Most deployments qualify for SAQ A, the lightest PCI self-assessment available. That means a dramatically shorter annual compliance review, no cardholder-data environment to audit, and significantly lower risk of breach exposure.
Does Adyen support surcharging and recurring billing?
Yes to both. Payment Hub supports compliant credit card surcharging on Adyen-processed card transactions. State-by-state rules (U.S.), network caps, and the legally required pre-authorization disclosure are all enforced automatically. Surcharging rules in Europe, UK, Australia, and other regions are handled per country. Debit, prepaid, and non-eligible cards are excluded.
Adyen supports tokenized recurring billing, scheduled payments, and installment plans, with retry logic and the Account Updater service refreshing expired and reissued cards without customer action. Saved-card and saved-ACH tokens live in Adyen's PCI vault, not on your infrastructure.
How does Adyen + Payment Hub compare to an ERP-native payment module?
ERP-native payment modules typically force you onto one processor at rates you cannot negotiate, and rarely provide a true customer-facing portal, global APM coverage, or enterprise-grade fraud scoring. Adyen + Payment Hub keeps you on Adyen's unified commerce platform (or lets you switch without rebuilding the portal), adds a branded self-service buyer experience, passes Level 2/3 data automatically to unlock the lowest B2B interchange tiers, and runs RevenueProtect risk decisions through the AR workflow.
ERP-native modules solve for the ERP. Adyen + Payment Hub solves for global customer experience, fraud loss, and unit economics, which is where AR modernization actually pays back, especially for enterprises operating in multiple countries.
Can we move to Adyen if we are currently on another gateway?
Yes, and Clarity Payment Hub is designed to make that transition painless. Because Payment Hub is gateway-agnostic, you can port your portal, your ERP integration, your customer accounts, and your buyer UX from your current gateway to Adyen without rebuilding any of them. The only piece that changes is the processor credential. Tokenized wallets are re-vaulted as Adyen shopper tokens during migration, and the Account Updater service begins refreshing cards on the first billing cycle.