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Introduction: What is Adyen and Why It Matters

Adyen is a global payment platform that enables businesses to accept e-commerce, mobile, and point-of-sale payments. As an all-in-one payment solution, Adyen:

• Processes payments across online, mobile, and in-store channels
• Supports 250+ payment methods and 150+ currencies globally
• Offers built-in risk management and authentication
• Provides unified commerce capabilities with a single platform
• Delivers data-driven insights through its analytics dashboard

This unified approach eliminates the need for multiple payment providers, simplifies reconciliation, and offers valuable customer insights through a single integration.

Core Concepts of Adyen Payments

Key Components of the Adyen Platform

Payment Flow Overview

1. Shopper Checkout: Customer selects products and proceeds to checkout
2. Payment Method Selection: Customer chooses payment method
3. Payment Details Submission: Customer enters payment details
4. Payment Processing: Adyen processes the transaction
5. Authorization: Payment is authorized or declined
6. Notification: Merchant receives payment status notification
7. Capture: Funds are captured (automatically or manually)
8. Settlement: Funds are transferred to merchant account

Payment Statuses

• Authorised: Payment has been approved and funds reserved
• Refused: Payment was declined or failed
• Cancelled: Payment was cancelled before processing
• Pending: Payment is being processed
• Received: Payment has been received but not yet settled
• SentForSettle: Payment has been sent for settlement
• Settled: Funds have been transferred to merchant account
• Error: An error occurred during processing
• ChargeBacked: Payment has been charged back by the customer

Step-by-Step Integration Process

1. Account Setup

• Create an Adyen account at dashboard.adyen.com
• Complete the onboarding process
• Set up your legal entity and business details
• Configure your processing currencies
• Set up notification webhooks

2. Choose Integration Method

3. Implement Server-Side Integration

// Example: Creating a payment session with Node.js
const { Client, Config } = require('@adyen/api-library');

const config = new Config();
config.apiKey = 'YOUR_API_KEY';
config.merchantAccount = 'YOUR_MERCHANT_ACCOUNT';

const client = new Client({ config });
const checkout = new checkout(client);

async function createPaymentSession(amount, currency, reference) {
  try {
    const response = await checkout.sessions({
      amount: { currency, value: amount },
      reference,
      returnUrl: 'https://your-company.com/checkout/result',
      merchantAccount: config.merchantAccount,
    });
    return response;
  } catch (error) {
    console.error(error);
  }
}

4. Implement Client-Side Integration

// Example: Drop-in integration with JavaScript
const configuration = {
  environment: 'test', // Change to 'live' for production
  clientKey: 'YOUR_CLIENT_KEY',
  paymentMethodsResponse: paymentMethodsResponse, // From your server
  locale: 'en-US',
  showPayButton: true,
  onSubmit: (state, dropin) => {
    makePayment(state.data);
  },
  onAdditionalDetails: (state, dropin) => {
    submitAdditionalDetails(state.data);
  }
};

const checkout = new AdyenCheckout(configuration);
const dropin = checkout.create('dropin').mount('#dropin-container');

5. Set Up Webhooks

// Example: Handling webhook notifications with Express
app.post('/api/webhooks/notifications', (req, res) => {
  const notification = req.body;
  
  // Process notification
  if (notification.notificationItems) {
    notification.notificationItems.forEach(item => {
      const notificationItem = item.NotificationRequestItem;
      
      if (notificationItem.eventCode === 'AUTHORISATION') {
        if (notificationItem.success === 'true') {
          // Payment was authorized
          updateOrderStatus(notificationItem.merchantReference, 'PAID');
        } else {
          // Payment failed
          updateOrderStatus(notificationItem.merchantReference, 'FAILED');
        }
      }
    });
  }
  
  res.status(200).send('[accepted]');
});

6. Test the Integration

• Use test cards and payment methods
• Test success and failure scenarios
• Test refunds and cancellations
• Test different payment methods
• Validate webhook handling

7. Go Live

• Switch from test to live environment
• Update API keys and credentials
• Perform end-to-end testing in production
• Monitor transactions and performance

Payment Methods by Region

Europe

• Cards: Visa, Mastercard, American Express, Diners Club
• Bank Transfers: SEPA Direct Debit, iDEAL (Netherlands), Sofort (Germany)
• Digital Wallets: PayPal, Apple Pay, Google Pay
• Buy Now Pay Later: Klarna, Afterpay, Clearpay

North America

• Cards: Visa, Mastercard, American Express, Discover
• Digital Wallets: PayPal, Apple Pay, Google Pay, Venmo
• ACH: Direct Debit, ACH Credit Transfer
• Buy Now Pay Later: Affirm, Klarna

Asia-Pacific

• Cards: Visa, Mastercard, JCB, UnionPay
• Digital Wallets: Alipay, WeChat Pay, GrabPay
• Bank Transfers: BACS, FPX (Malaysia), NEFT/IMPS (India)
• Local Methods: PayNow (Singapore), Boleto (Brazil), QIWI (Russia)

API Endpoints Reference

Payment API

Account API

Checkout API

Common Challenges and Solutions

Best Practices and Tips

Security

• Never store card data directly
• Implement proper PCI DSS compliance measures
• Use HTTPS for all communications
• Validate webhook signatures using HMAC
• Implement proper error handling and logging
• Use tokenization for recurring payments

Performance

• Implement client-side validation before submission
• Optimize API calls to reduce latency
• Use asynchronous processing for webhooks
• Cache payment methods where appropriate
• Monitor response times and transaction success rates

User Experience

• Show clear error messages for declined payments
• Display localized payment methods based on shopper country
• Optimize mobile checkout experience
• Minimize redirects where possible
• Save and offer previously used payment methods
• Support one-click payments for returning customers

Testing

Advanced Features

Recurring Payments

// Example: Creating a recurring payment
const recurringPayment = {
  amount: { currency: "EUR", value: 1000 },
  reference: "YOUR_PAYMENT_REFERENCE",
  merchantAccount: "YOUR_MERCHANT_ACCOUNT",
  shopperReference: "YOUR_UNIQUE_SHOPPER_ID",
  recurring: {
    contract: "RECURRING"
  },
  shopperInteraction: "ContAuth",
  selectedRecurringDetailReference: "LATEST"
};

Dynamic 3D Secure

// Example: Configuring Dynamic 3D Secure
const paymentRequest = {
  amount: { currency: "EUR", value: 1000 },
  reference: "YOUR_PAYMENT_REFERENCE",
  merchantAccount: "YOUR_MERCHANT_ACCOUNT",
  additionalData: {
    "executeThreeD": "true",
    "scaExemption": "lowValue"
  },
  threeDS2RequestData: {
    deviceChannel: "browser",
    threeDSRequestorChallengeInd: "01"
  }
};

Multi-Currency Processing

// Example: Processing a payment in a different currency
const paymentRequest = {
  amount: { 
    currency: "JPY", // Transaction currency
    value: 10000 
  },
  reference: "YOUR_PAYMENT_REFERENCE",
  merchantAccount: "YOUR_MERCHANT_ACCOUNT",
  additionalData: {
    processingCurrency: "USD" // Settlement currency
  }
};

Resources for Further Learning

Official Documentation

• Adyen API Documentation
• Adyen Developer Portal
• Adyen GitHub

API Libraries

• Node.js
• PHP
• Java
• .NET
• Python
• Ruby

Testing Tools

• Adyen Test Cards
• Adyen Test Webhooks
• Adyen Testing Guide

Community and Support

• Adyen Support Portal
• Adyen Status Page
• Stack Overflow – Adyen Tag

Remember: This cheatsheet provides a general overview of Adyen integration. Always refer to the official Adyen documentation for the most up-to-date information, as payment processing features and requirements change frequently.