PAYMENTS

We think of ourselves as the Amazon Web Services of payments. We want to be the infrastructure layer for internet commerce.

My friend couldn't sell a glass faucet because he couldn't accept a credit card. That's a broken system.

We've paid out over $3.5 billion to creators. That's not ad revenue split by an algorithm. That's fans directly paying for work they value.

We built Adyen because payments were broken. Every country had different systems, different rules, different failures. We said: one platform, everywhere.

We named the company Adyen. It means "start over again" in Surinamese. We wanted to rebuild payments from scratch, not patch the old system.

Payments is not a winner-take-all market. But it is a market where the best technology wins the best merchants.

The best payments experience is the one you don't notice. If you're thinking about the payment, something went wrong.

Alipay was born because nobody trusted anybody. Buyers didn't trust sellers. Sellers didn't trust buyers. We just sat in the middle and said: trust us.

Africa doesn't have a payments problem. It has a payments infrastructure problem. Every country has different banks, different regulations, different currencies. We unified all of it.

We process payments across 34 African countries. Do you know how many banking regulations that is? 34 different central banks, 34 sets of rules. That complexity is our moat.

We process over $60 billion in payment volume. Square alone runs billions through our platform. But because we're infrastructure, nobody knows our name. That's by design.

DoorDash drivers get paid instantly after every delivery. That instant payout? That's us. Every time a gig worker sees money hit their account in real time, that's Marqeta making it happen.

Every fintech company needs to issue cards. Chime, Square, DoorDash, Instacart — they all need a card. We're the API that powers all of them. You use Marqeta every day and don't know it.

Mercado Pago started as a payment button on our marketplace. Now it's the largest fintech in Latin America. It handles more transactions than most banks. The checkout button became a bank.

We process 5 billion transactions a month. Five billion. That's more than Visa processes globally. And we do it for free. The Indian payments market is operating on a completely different model than the West.

Google Pay and Paytm are strong competitors. But we have 48% of UPI market share. Nearly half of every digital payment in India goes through PhonePe. Share like that is hard to take away.

UPI changed everything. The Indian government built free, instant payment rails and we built the best app on top of them. PhonePe exists because India's central bank did something no other central bank has done.

EMI on credit cards at the point of sale — buy now, pay later before it had a name. We were doing that in India in 2012. Affirm and Klarna made it trendy. We made it work first.

Sequoia, PayPal, and Mastercard all invested in us. When your investors are the biggest names in payments, it tells the market you're building real infrastructure, not a gimmick.

We're in 500,000 merchant locations across India and Southeast Asia. Half a million stores processing payments through our terminals. That physical footprint took 20 years to build. Good luck replicating it.

We process payments for 10 million businesses in India. Ten million. From the local chai stall to Airtel to Cred. When 10 million businesses depend on your uptime, you don't sleep well. But you sleep knowing you matter.

Stripe was built for the US. We built Razorpay for India. Same developer-first philosophy, completely different infrastructure. India has UPI, net banking, wallets, EMI — Stripe couldn't handle that complexity.

In Indonesia, there are over 70 different payment methods. Credit cards are maybe 5 percent of transactions. If you only accept Visa and Mastercard, you have already lost 95 percent of the market.

We built Ripple to fix the plumbing of global finance. It's not sexy. It's not consumer-facing. But trillions of dollars move through broken pipes every day, and we're replacing those pipes.

SWIFT takes 3-5 days to settle a cross-border payment. Ripple does it in 3-4 seconds. The technology isn't the problem — inertia is. Banks move slowly because slow is comfortable.

UPI processes billions of transactions a month in India. It's free. It works on any phone. And it was built on Aadhaar. That's the power of digital public infrastructure — one layer enables the next.

Stripe processes hundreds of billions of dollars. Every time you buy something online, there is a good chance we are moving the money.

The most important infrastructure is the infrastructure nobody thinks about. Payments, like plumbing, only gets noticed when it breaks.

Accepting payments in Nigeria shouldn't require weeks of paperwork. We made it take minutes.

Free P2P transfers build the habit. Cross-border payments and business services build the business.

Every transaction represents someone trying to participate in the digital economy. We make that possible.

Adyen means "start over again" in Surinamese. We rebuilt payments from scratch because the existing infrastructure was broken beyond repair.

The Internet changed the flow of information. Blockchain will change the flow of value. Those are equally important transitions.

The cross-border payments market moves $150 trillion a year and most of it still runs on 1970s technology. That is the real opportunity.

Global businesses should not have to wait three days and pay 3% to move money across borders. That problem is completely solvable with the technology we have today.

We're not here to speculate on token prices. We're here to build infrastructure that moves money for people who need it.