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Adyen

Adyen

Adyen embeds hosted payment components on merchant checkout pages. Scripts render card input fields, handle 3D Secure authentication flows, and process payment tokenization, enabling secure card-not-present transactions on e-commerce checkouts.

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Overview

Adyen is a global payment technology company processing transactions for major merchants including Uber, Spotify, and Microsoft. Unlike payment aggregators, Adyen holds acquiring licenses directly in most major markets, enabling end-to-end payment processing. Its web integration embeds secure, PCI-compliant payment components directly into merchant checkout pages, handling card entry, authentication challenges, and tokenization without redirecting customers away from the merchant site.

What This Script Does

Adyen's Web Components or Drop-in library loads from checkoutshopper-live.adyen.com (or the test equivalent). The script renders payment method selection interfaces and secure card input fields inside isolated iframes, ensuring that raw card data never touches the merchant's DOM or JavaScript scope.

When a customer enters card details, the library tokenizes the data client-side and transmits it directly to Adyen's PCI Level 1 certified infrastructure. For cards enrolled in 3D Secure (Visa Secure, Mastercard Identity Check), the library manages the authentication challenge flow within a modal or redirect, handling the full EMV 3DS2 protocol.

Adyen sets a session cookie to maintain payment state during the checkout flow. The adyen-checkout__session cookie (or similar session identifier) persists only for the browser session and is strictly necessary for completing the transaction. No long-lived tracking cookies are set by the payment components.

The scripts communicate with checkoutshopper-live.adyen.com for payment method configuration, tokenization, and transaction status polling. Device fingerprinting data (screen dimensions, timezone, browser capabilities) is collected as part of the 3DS2 authentication flow, which is a regulatory requirement under PSD2 Strong Customer Authentication rather than optional analytics.

Consent & Compliance

Adyen is classified as functional. Its scripts provide payment processing functionality that is strictly necessary for completing a purchase the customer has initiated.

Under GDPR and the ePrivacy Directive, payment processing cookies and scripts fall under the "strictly necessary" exemption. The session cookies maintain payment state during an active transaction, and the device fingerprinting serves a regulatory requirement (PSD2 SCA). No consent is required for these operations.

Under CCPA/CPRA, payment data processed by Adyen is covered by the financial data exception and is used solely to complete the requested transaction. Standard privacy policy disclosures are sufficient.

Should You Block This Without Consent?

No. Adyen provides essential payment processing functionality. Blocking it would prevent customers from completing purchases. The scripts handle only transaction-related data and set no tracking cookies beyond session-scoped payment state.

Is Adyen GDPR compliant?

Adyen typically loads functional trackers, which are not strictly necessary for your site to work. Under the GDPR and the ePrivacy Directive, non-essential cookies and trackers must stay blocked until a visitor gives clear opt-in consent. So Adyen can be fully GDPR compliant, but only if your site holds its scripts until consent is granted and lets visitors decline just as easily. Compliance depends on how your site loads Adyen, not on Adyen itself.

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Consent Categories

Functional

Also Known As

Adyen checkoutAdyen paymentsAdyen Drop-inAdyen Web ComponentsAdyen payment gateway

Industries

Finance

Tracked Domains (1)

adyen.comFunctional

adyen.com is a functional domain operated by Adyen, used to run site features like chat, video, embeds, and preferences.

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