Adyen is expanding its partnership with Toast into the U.S., extending a relationship that already supports Toast’s operations across Ireland, the U.K., Canada, and Australia. The agreement will bring Adyen’s payment infrastructure into Toast’s U.S. payments ecosystem as the hospitality technology platform continues to scale.

Toast facilitated more than $215 billion in gross payment volume across approximately 180,000 locations worldwide in the 12 months ending June 30, 2026. Its platform combines point-of-sale systems, online ordering, payments, and back-of-house technology for restaurants and retail businesses.

Scaling Payments Across Hospitality and Retail

Adyen has worked with Toast since 2021, providing a unified payments solution across multiple international markets. The expansion into the U.S. is intended to support reliable processing at the scale required by businesses handling high transaction volumes.

For Toast, integrating payment infrastructure across its technology platform can help reduce complexity while giving operators a more consistent experience as they expand. Adyen also highlights faster settlement and support for different payment methods as part of the expanded relationship.

Financial Infrastructure Moves Deeper Into Vertical Platforms

The partnership also illustrates how financial technology is becoming increasingly embedded within specialised business software. Toast combines payments with operational tools for restaurants and retailers, while Adyen provides payments and additional financial products through a single platform.

As vertical technology platforms expand, integrated financial services can become an important part of the overall product rather than a standalone payment function. Adyen’s existing capabilities include issuing, capital, and business accounts, creating opportunities to extend financial services within platforms such as Toast.

Key takeaways for fintech startups

The Adyen and Toast partnership highlights the growing importance of embedded financial infrastructure. Key lessons include:

• Integrated payments can strengthen specialised software platforms.
  
  
• Reliable infrastructure becomes increasingly important as transaction volumes scale.
  
  
• Embedded financial products can create new opportunities beyond core payments.

As fintech becomes more deeply integrated into vertical software, companies need a clear strategy for building and positioning financial products within broader ecosystems. Contact us to explore how Your Fintech Story can support your fintech growth and market strategy.