Adyen Gears Up for Agentic Commerce

Adyen is working with other industry leaders to develop standards for agentic commerce, and the company expects to be able to move quickly to implement a solution, Chief Financial Officer Ethan Tandowsky said Wednesday (Oct. 29).

Speaking during Adyen’s third-quarter earnings call, Tandowsky said the company is working with leaders like Google, OpenAI, Visa and Mastercard, and that it aims to deliver a “really unique and differentiated solution” for its customers.

“A lot of the challenges that we’re really already strong at, things like authentication, things like managing fraud, things like multiple payment methods, those are things that are core strengths of ours and that we think we can apply in this realm as well,” Tandowsky said.

Tandowsky said Adyen believes agentic commerce will develop over time and become an important factor for its customers. The company is “really excited about the potential to help customers meet their own customers where they want to engage in commerce,” he said.

Asked by an analyst about the amount of work it will take for Adyen to integrate with the various protocols and frameworks that have been issued around agentic commerce, Tandowsky said that “it is not real significant work for us to implement.”

Adyen already has many of the building blocks that will be required for agentic commerce, so the company is positioned to move quickly, he said.

“It’s much more about figuring out the solution which will truly help merchants and allow them to have the right experience and the consumers to have the right experience,” Tandowsky said. “Of course, there’s going to be some work that goes into it, but that’s not the biggest piece. I think we already have the building blocks in play, which is a great position to be in.”

When Visa introduced its Trusted Agent Protocol for AI shopping on Oct. 14, it said Adyen is one of the early partners from which it got “insightful feedback.”

Google introduced its Agent Payments Protocol (AP2) in September and said Adyen is one of the companies with which it is collaborating on agentic payments.

During the quarter ended Sept. 30, Adyen saw consistent growth across regions and across the three pillars of its business: digital, unified commerce and platforms, according to a Q3 2025 Business Update released Wednesday.

Digital net revenue rose 10% year over year to 335 million euros (about $388 million), unified commerce rose 32% year over year to 194.8 million euros (about $226 million), and platforms leaped 50% year over year to 68.6 million euros (about $79 million), according to the update.

The update attributed the growth in digital to gains in the content, subscriptions, delivery and mobility verticals; the growth in unified commerce to retail, hospitality and entertainment; and the growth in platforms to the software-as-a-service segment.

“We’re pleased with another quarter of strong, diversified growth,” Tandowsky said in an earnings release. “Our focus on growing our customer base and deepening existing relationships continues to pay off, resulting in solid momentum across all regions.”

For all PYMNTS AI coverage, subscribe to the daily AI Newsletter.