---
title: "Adyen"
description: "Connect your Adyen merchant account to Two Minute Billing: make an API credential, connect it, and let Two Minute Billing register the webhook. Cards in the currencies your merchant account accepts, and Google Pay on pay now. SEPA Direct Debit is coming soon."
canonical_url: "https://twominutebilling.com/help/guides/connect-a-payment-gateway/adyen"
---
# Adyen

> Connect your Adyen merchant account to Two Minute Billing: make an API credential, connect it, and let Two Minute Billing register the webhook. Cards in the currencies your merchant account accepts, and Google Pay on pay now. SEPA Direct Debit is coming soon.

Two Minute Billing charges cards through **your** Adyen merchant account. SEPA Direct Debit in EUR
is coming soon. When a customer pays an invoice now, the payment form also shows Google Pay if you add
it in Adyen. In Safari, the customer can also select Apple Pay and pay on an Adyen payment page.
You keep your Adyen rates, and Adyen pays out to your bank as usual.

## Before you start

- An Adyen account. The test Customer Area is at `ca-test.adyen.com` and the live one at
`ca-live.adyen.com`. Each has its own API credentials: connect the test credential to a test
business and the live credential to a live business.
- The **merchant account** that takes the payments. Two Minute Billing charges in the currencies
that this merchant account accepts.
- For SEPA Direct Debit: a business that bills in EUR, and the Customer Area role **Change
payment methods**, to add SEPA Direct Debit to the merchant account.
- For Google Pay: the Customer Area role **Change payment methods**, to add Google Pay to the
merchant account. Live Google Pay also needs a Google Merchant ID from the
[Google Pay & Wallet Console](https://pay.google.com/business/console).
- For Apple Pay: the same role, to add Apple Pay to the merchant account. Adyen's own Apple Pay
certificate is used, so you do not need an Apple developer account.
- You need permission to manage payment gateways in Two Minute Billing. The owner and admin
roles have it.

## Find your API keys

In the Adyen Customer Area, open **Developers → API credentials** and select your credential, or
click **Create new credential** and select **Web service user**. On the credential:

1. Under **Server settings → Authentication**, open the **API key** tab and click
**Generate API key**. Copy the key at once: Adyen does not show it again.
2. Under **Client settings → Authentication**, open the **Client key** tab and click
**Generate client key**.
3. Under **Allowed origins**, add the address where your customers pay.
4. Under **Permissions**, select the roles listed under [Permissions](#permissions).
5. Click **Save changes**.

<screenshot :height="461" :single="true" :width="1662" alt="The Adyen Customer Area's API credential page in test, showing the API key and client key sections and the allowed origins" caption="Adyen → Developers → API credentials → your credential. Generate the API key and the client key here." src="gateways/adyen-api-keys">



</screenshot>

You need four values:

<table>
<thead>
  <tr>
    <th>
      Field
    </th>
    
    <th>
      Where to find it
    </th>
    
    <th>
      Looks like
    </th>
  </tr>
</thead>

<tbody>
  <tr>
    <td>
      <strong>
        API Key
      </strong>
    </td>
    
    <td>
      Adyen Customer Area → Developers → API credentials. The credential needs the roles Merchant PAL webservice role, Checkout webservice role, Merchant Recurring role, API tokenise payment details and Management API — Webhooks read and write.
    </td>
    
    <td>
      —
    </td>
  </tr>
  
  <tr>
    <td>
      <strong>
        Client Key
      </strong>
    </td>
    
    <td>
      On the same API credential, under Client settings. Add the origin of your payment pages to Allowed origins. The account health check reads this list.
    </td>
    
    <td>
      <code>
        test_… or live_…
      </code>
    </td>
  </tr>
  
  <tr>
    <td>
      <strong>
        Merchant Account
      </strong>
    </td>
    
    <td>
      The code of the merchant account that takes the payments.
    </td>
    
    <td>
      <code>
        YourCompanyECOM
      </code>
    </td>
  </tr>
  
  <tr>
    <td>
      <strong>
        Live URL Prefix
      </strong>
    </td>
    
    <td>
      Developers → API URLs → Prefix, for a live account. For a test account, type test.
    </td>
    
    <td>
      <code>
        1797a841fbb37ca7-YourCompany
      </code>
    </td>
  </tr>
</tbody>
</table>

<warning>

**Keep the API key secret.** Anyone with the API key can charge and refund in your Adyen account. Paste it only into
Two Minute Billing, which stores it encrypted, and never into an email or a chat.

</warning>

## Permissions

<warning>

**Give the API credential every role below.** An Adyen API credential can do only what its **roles** allow. A missing role does not show when
you connect: it shows later, when a customer saves a card, a saved card is removed or the webhook
is registered.

</warning>

<table>
<thead>
  <tr>
    <th>
      Role
    </th>
    
    <th>
      On by default?
    </th>
    
    <th>
      Two Minute Billing uses it to
    </th>
  </tr>
</thead>

<tbody>
  <tr>
    <td>
      <strong>
        Merchant PAL webservice role
      </strong>
    </td>
    
    <td>
      Yes
    </td>
    
    <td>
      Process payments at all: without it the credential cannot make any payment
    </td>
  </tr>
  
  <tr>
    <td>
      <strong>
        Checkout webservice role
      </strong>
    </td>
    
    <td>
      Yes
    </td>
    
    <td>
      Charge, capture, cancel and refund payments, and show the card form
    </td>
  </tr>
  
  <tr>
    <td>
      <strong>
        Merchant Recurring role
      </strong>
    </td>
    
    <td>
      Yes
    </td>
    
    <td>
      Save cards and SEPA bank accounts, and charge renewals with them
    </td>
  </tr>
  
  <tr>
    <td>
      <strong>
        API tokenise payment details
      </strong>
    </td>
    
    <td>
      No
    </td>
    
    <td>
      List and remove a customer's saved cards and bank accounts
    </td>
  </tr>
  
  <tr>
    <td>
      <strong>
        Management API — Webhooks read and write
      </strong>
    </td>
    
    <td>
      Yes
    </td>
    
    <td>
      Register the webhook and make its HMAC key
    </td>
  </tr>
</tbody>
</table>

Also add the address where your customers pay under **Allowed origins**.

SEPA Direct Debit needs no other role. Apple Pay uses a payment link (`/paymentLinks`), which
the **Checkout webservice role** covers. Google Pay needs no other role in test. Before you take live Google Pay payments, Adyen asks
you to make sure that the live credential also has the **API Clientside Encryption Payments
role**.

## Connect it in Two Minute Billing

1. Open **Settings → Payment gateways** and click **Add gateway**.
2. Select **Adyen** and paste the **API Key**, the **Client Key**, the **Merchant Account** and
the **Live URL Prefix**. For a test business, type `test` as the prefix.
3. Select the **currencies** and the **payment methods** this account handles.
4. Click **Create gateway account**.

Then open the account and click **Check credentials**. **Healthy** means Adyen accepted the key.
The check also reads the credential's allowed origins and tells you if your payment address is
missing.

The payment methods you can turn on for Adyen:

- **Cards** — Pay now also shows Google Pay. Add Google Pay to your merchant account in the Adyen Customer Area. A live account also needs your Google Merchant ID in the live Customer Area. In Safari, pay now also shows Apple Pay, which opens an Adyen payment page. Add Apple Pay to your merchant account in the Customer Area. Apple Pay is not saved for renewals.
- **Direct Debit (SEPA)** (coming soon) — EUR only. Add SEPA Direct Debit to your merchant account in the Adyen Customer Area. Adyen limits each debit to EUR 500 until Adyen support raises the limit. We email the payer before each renewal debit. A bank return makes the invoice due again.

### Add Google Pay

Google Pay shows only when a customer pays an invoice now. It is a card payment to Adyen, so
refunds and disputes work as they do for cards. Two Minute Billing does not save Google Pay for
renewals: to pay renewals automatically, the customer saves a card.

1. In the Adyen Customer Area, switch to your merchant account.
2. Go to **Payments → Payment methods** and select **Request payment methods**.
3. Select **Google Pay**, click **Add**, apply it to **This merchant account** and click
**Submit request**. Adyen usually adds it within one day.

You do not change anything in Two Minute Billing. When Google Pay is active on the merchant
account, the payment form shows it.

### Add Apple Pay

Apple Pay shows only when a customer pays an invoice now, in a browser that can pay with Apple
Pay (Safari with a card in Apple Wallet). The customer selects **Apple Pay**, pays on an Adyen
payment page and comes back to the portal. Your domain does not need Apple Pay verification:
the payment page is on Adyen's domain and uses Adyen's Apple Pay certificate.

1. In the Adyen Customer Area, switch to your merchant account.
2. Go to **Payments → Payment methods** and select **Request payment methods**.
3. Select **Apple Pay**, click **Add**, apply it to **This merchant account** and click
**Submit request**.

<note>

**Apple Pay is for one payment.** Two Minute Billing does not save Apple Pay for renewals: to pay
renewals automatically, the customer saves a card. The payment shows as **Apple Pay** under
**Paid with**, and refunds and disputes work as they do for cards.

</note>

### Add SEPA Direct Debit

**Coming soon.** SEPA Direct Debit on Adyen is not available yet. We did not complete its tests.

SEPA Direct Debit debits a customer's bank account in EUR. The customer enters the account
holder name and the IBAN when they save a payment method, and accepts the mandate in the Adyen
payment form. Renewals then debit that account.

1. In the Adyen Customer Area, switch to your merchant account.
2. Go to **Payments → Payment methods** and select **Request payment methods**.
3. Select **SEPA Direct Debit**, apply it to **This merchant account** and click **Submit
request**.
4. In Two Minute Billing, open the Adyen gateway account and turn on **Direct Debit (SEPA)**.
The business must bill in EUR.

What to know before you turn it on:

- **Adyen limits each SEPA debit to EUR 500.** To debit more, ask Adyen support to raise the
limit.
- **We send the notice before each renewal debit.** The SEPA rules require that the payer gets
a notice at least one day before each debit. Two Minute Billing emails the customer two days
before each renewal debit, with the amount and the date. Adyen does not send this notice.
- **The creditor on the payer's bank statement is Adyen by default.** Adyen debits with its own
SEPA creditor identifier, `NL48ZZZ342764500000`. To use your own creditor identifier or name,
ask Adyen support.
- **Adyen marks the debit as paid when it sends it to the bank.** The invoice is marked paid at
once. If the bank returns the debit (for example, not enough money or a closed account), the
invoice is due again and your retry settings apply.
- **A customer can ask their bank for the money back.** For 8 weeks after a debit, no reason is
needed; for 13 months, if they say they did not authorize it. These claims show in **Disputes**
as lost: you cannot contest them. The invoice stays paid, and Two Minute Billing does not
debit the customer again by itself.
- **Refund a SEPA debit only after it settles.** Adyen holds a SEPA refund for one week after
the debit settles, and a customer who also claims the money from their bank can get it twice.
- **A customer cancels a mandate at their bank.** Adyen learns of it only when a later debit
comes back. That debit is then handled as a bank return.

## Currencies

Two Minute Billing offers these 135 currencies on Adyen:

AED, ALL, AMD, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BHD, BMD, BND, BOB, BRL, BSD, BWP, BYN, BZD, CAD, CHF, CLP, CNY, COP, CRC, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HTG, HUF, IDR, ILS, INR, IQD, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LKR, LYD, MAD, MDL, MKD, MMK, MNT, MOP, MRU, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SEK, SGD, SHP, SLE, SOS, SRD, STN, SVC, SZL, THB, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VND, VUV, WST, XAF, XCD, XCG, XOF, XPF, YER, ZAR, ZMW

Your merchant account takes the currencies that Adyen set up for your account.

If you leave **Currencies** empty on the gateway account, the account takes each currency of your business that is on this list.

## Webhooks

Adyen tells Two Minute Billing about things that happen after a charge: a refund, a capture, a
chargeback, a SEPA bank return. Adyen waits at most 10 seconds for an answer, so Two Minute
Billing checks the HMAC signature, stores the webhook and answers at once. It applies the
webhook a moment later, and tries again by itself if that fails.

Two Minute Billing registers the webhook with Adyen for you when you save the account. Nothing to copy.

If the gateway account page shows the webhook as not configured:

1. Click “Register with Adyen” on the gateway account page. We create the webhook and keep its HMAC key.
2. The API credential needs the role Management API — Webhooks read and write.

<note>

**Record the outcome of a chargeback yourself.** Adyen sends no webhook when you accept a chargeback in its Customer Area. When a dispute is
closed in Adyen, open it in **Disputes** and click **Mark as won** or **Mark as lost**.

</note>

## Test it

In your test business, create a customer and save the test card `4111 1111 1111 1111` with the
expiry date `03/2030` and the CVC `737`. Collect an invoice: it is marked paid, and **Logs** shows
the call to Adyen and Adyen's answer.

To test SEPA Direct Debit, use a test business that bills in EUR and turn on **Direct Debit
(SEPA)** on the Adyen gateway account. In the customer portal, add a payment method, select
SEPA Direct Debit and enter one of Adyen's test accounts:

<table>
<thead>
  <tr>
    <th>
      Account holder
    </th>
    
    <th>
      IBAN
    </th>
  </tr>
</thead>

<tbody>
  <tr>
    <td>
      A. Klaassen
    </td>
    
    <td>
      <code>
        NL98ABNA0410108103
      </code>
    </td>
  </tr>
  
  <tr>
    <td>
      W. Hurth
    </td>
    
    <td>
      <code>
        AT141953000016243818
      </code>
    </td>
  </tr>
  
  <tr>
    <td>
      A. Grand
    </td>
    
    <td>
      <code>
        FR7618206000103056966400117
      </code>
    </td>
  </tr>
</tbody>
</table>

Collect an invoice: it is marked paid, and the transaction shows **SEPA Direct Debit** under
**Paid with**. Check the payment in the test Customer Area under **Payments → Payment list**.

To test Google Pay, sign in to a Google account in Chrome and join Google's
[test card suite](https://developers.google.com/pay/api/web/guides/resources/test-card-suite).
Open an invoice in the customer portal, click **Pay now** and select **Google Pay**. Select a
test card in the Google Pay sheet. The invoice is marked paid. Google Pay is a card payment, so
the transaction shows **Card** under **Paid with**. Without the test card suite, Adyen maps a real card in your Google account to an
Adyen test card of the same brand, and does not charge it.

To test Apple Pay, use Safari on a device that has an Apple
[sandbox tester account](https://developer.apple.com/apple-pay/sandbox-testing/) with one of
Apple's test cards in Wallet. Open an invoice in the customer portal, click **Pay now**, select
**Apple Pay** and click **Continue**. Pay on the Adyen page, then click **Continue** to come
back. The invoice is marked paid when Adyen's webhook arrives, usually in a few seconds.

## Go live

1. Sign in to the live Customer Area at `ca-live.adyen.com`. Make an API credential there with
the same roles, a live client key and the address where your customers pay under **Allowed
origins**. Live origins must use `https`.
2. Copy your live URL prefix from **Developers → API URLs → Prefix**.
3. In your **live** business, add Adyen with the live **API Key**, **Client Key**, **Merchant
Account** and **Live URL Prefix**.
4. Two Minute Billing registers a separate webhook for live. Check it under
**Developers → Webhooks** in the live Customer Area.
5. For SEPA Direct Debit: request SEPA Direct Debit in the **live** Customer Area too. Adyen
reviews live requests before it turns the method on.
6. For Google Pay: add Google Pay to the live merchant account and enter your Google Merchant
ID in the live Customer Area. In the
[Google Pay & Wallet Console](https://pay.google.com/business/console), request production
access and add the domain where your customers pay. Adyen does not add the domain for you,
and live Google Pay shows only on the domains that you add.
7. For Apple Pay: add Apple Pay to the live merchant account in the live Customer Area.

## Troubleshoot

- **Check credentials says "We could not check the credentials." with "Adyen refused the API
key".** The API key is wrong, it belongs to the other environment, or the credential has no
**Checkout webservice role**. Generate a new key on the credential and update the gateway
account.
- **Check credentials says "Correct the settings below." with "Allowed origins of the API
credential does not include …".** Customers cannot open the card form. Add the address it
names under **Allowed origins** on the credential, save, wait one minute and click **Check
credentials** again.
- **A live account says "An Adyen live account needs its live URL prefix".** Enter the prefix
from **Developers → API URLs → Prefix** in the live Customer Area. A live account also needs a
client key that starts with `live_`.
- **The webhook cannot be registered: "The Adyen API credential cannot manage webhooks".** Add
the role **Management API — Webhooks read and write** to the credential, then follow the steps
under [Webhooks](#webhooks).
- **The payment form shows no Google Pay.** Google Pay is not active on the merchant account
yet, the customer's browser has no Google Pay wallet, or (live) the domain is not in the Google
Pay & Wallet Console. Google Pay never shows when a customer saves a card.
- **Pay now shows no Apple Pay.** The customer's browser cannot pay with Apple Pay (it is not
Safari, or Apple Wallet has no card). Apple Pay never shows when a customer saves a card.
- **The customer sees "a problem with the payment configuration" after selecting Apple Pay.**
Adyen refused the payment link. **Logs** shows Adyen's answer. Usually Apple Pay is not active
on the merchant account yet: add it, as in [Add Apple Pay](#add-apple-pay).
- **The payment form shows no SEPA Direct Debit.** SEPA Direct Debit is not active on the
merchant account yet, **Direct Debit (SEPA)** is off on the gateway account, or the business
does not bill in EUR.
- **A SEPA debit fails above EUR 500.** That is Adyen's default limit for each debit. Ask Adyen
support to raise it.
- **A paid invoice is due again.** The customer's bank returned a SEPA debit. **Logs** shows the
return reason, for example `AM04` (not enough money) or `AC04` (account closed).
- **Live Google Pay fails with the error OR_BIBED_11.** Google has not approved your setup yet.
Finish the production access request in the Google Pay & Wallet Console.

## Related

- [Payment gateways overview](https://twominutebilling.com/help/guides/connect-a-payment-gateway)
- [Recover failed payments](https://twominutebilling.com/help/guides/recover-failed-payments)
- [Handle disputes](https://twominutebilling.com/help/guides/handle-disputes)


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