The news: Adyen reported €2.364 billion ($2.74 billion) in net revenues for fiscal year 2025, per its annual report. 

• Total point-of-sale volume cracked €311 billion ($360.97 billion).
• Total processed volume hit €1.4 trillion ($1.62 trillion).
• Adyen Issuing volume increased eightfold YoY.

Inside the report: Adyen highlighted its AI integrations and its unified tech stack as key markers of success.

• It launched Adyen Uplift, an AI-powered optimization suite to combat fraud.
• The payment provider added Dynamic Identification, a new layer to its financial stack to assess legitimate transactions through consumer behaviors rather than point-in-time audits.

Adyen also reported growth in lending and money movement. Adyen Capital loan volume doubled over the year through keen enterprise and platform interest in embedded financing. And Adyen Payouts grew 40% YoY.

This suggests that as merchants face pressures like tariffs and economic uncertainty, POS tools that help navigate hardship are demonstrating value. This trend is growing across the industry: Block’s Square Loans origination volume grew 23% YoY.

Implications for POS providers: As economic and geopolitical conditions become more volatile, businesses want tools from POS providers that help them weather those storms. Using AI to prevent fraud and checkouts for businesses can be a helpful lift.