Adyen to Acquire Talon.One to Enable Real-Time Decisioning Across Commerce Channels

Adyen has announced it has entered into a definitive agreement to acquire 100% of the shares in Talon.One.

Adyen will finance the acquisition from available cash resources. Talon.One’s co-founders will reinvest a portion of their proceeds in newly issued ordinary shares in Adyen, underscoring their long-term commitment to the combined business. The transaction is expected to close in the second half of 2026, subject to customary closing conditions and regulatory approvals.

The acquisition addresses a key customer need and builds on Adyen’s Unified Commerce strategy: not only to connect online and in-store shopper interactions, but also to act on that insight in real-time. Today, merchants lack a consistent view of their customers across channels, limiting their ability to recognise shoppers and translate that insight into action. By combining Adyen’s global payments infrastructure and proprietary transaction data with Talon.One’s real-time decisioning capabilities, merchants can establish a consistent customer identity across channels and apply it directly in the shopper’s cart. This allows them to dynamically adjust promotions and pricing based on the consumer.
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The acquisition also strengthens Adyen’s position in models such as agentic commerce, where transactions are increasingly initiated dynamically and earlier in the checkout flow. By combining customer identity, SKU-level data, and real-time decisioning, Adyen enables merchants to influence what is shown and sold across channels, even when decisions are made without direct user interaction.

Ingo Uytdehaage, Co-CEO of Adyen, said, “Our merchants ask us every day how they can better connect their online and in-store customer data and act on that in real time. Many have tried to build a solution themselves but struggle to turn insights into action. With Talon.One, a merchant can recognize a shopper and apply a relevant offer instantly, before the payment is completed, ultimately driving higher revenue.”

Christoph Gerber and Sebastian Haas, Talon.One’s co-founders said, “Joining Adyen allows us to embed real-time decisioning at the core of every transaction. Together, we enable merchants to connect customer identity with pricing and promotions in real time, in-store and online, driving better outcomes for our customers.”

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