Adyen and SAP Launch Open Payment Framework for Retailers

Adyen and SAP have successfully launched the SAP Commerce Cloud Open Payment Framework, marking a significant development in how retailers manage digital payment systems.

The pre-built, cloud-native extension eliminates the traditional complexity of manual payment integrations, offering merchants a streamlined approach to setting up and managing payment service providers.

Freedom Furniture, a major Australian home retailer operating over 60 locations, has become one of the first global merchants to implement the solution.

Adyen were also recently named 11th in the Top 100 FinTech Companies. 

The list highlights organisations setting the benchmark for digital finance, regulatory excellence and technological advancement across the industry. 

Technical capabilities and deployment

The framework functions as a fully integrated ecommerce payment solution built specifically for SAP Commerce Cloud.

The technology enables seamless deployment whilst providing access to Adyen's complete suite of payment methods without requiring extensive development resources.

Retailers can now achieve faster reconciliation and reduced time-to-market compared to traditional payment integration approaches.

"At Adyen, we're focused on providing enterprise retailers with scalable, future-proof payment infrastructure," said Nadia Qureshi, Global Head of Partnerships at Adyen.

Nadia emphasises that being the first payment service provider to be live on the framework demonstrates Adyen's commitment to working with SAP and helping merchants modernise their payment systems with minimal integration effort.

Strategic implications for retail transformation

The Open Payment Framework addresses a persistent challenge in digital commerce: the operational burden of integrating and maintaining payment systems across multiple channels.

For Freedom Furniture, the implementation supports broader omnichannel strategies by reducing technical complexity throughout the payments lifecycle.

"Freedom Furniture is a great example of how retailers can benefit from comprehensive, out-of-the-box integrations between SAP Commerce Cloud and leading technology partners," said Marcus Schreiner, Global Vice President SAP Customer Experience – Partner & Ecosystem Strategy.

Marcus notes that the framework allows merchants to accelerate innovation, lower integration costs and deliver superior payment experiences to customers.

The launch comes as payment infrastructure increasingly becomes a competitive differentiator rather than merely a functional requirement.

Open payment protocols are emerging as a solution to integration challenges, providing scalable frameworks for building commercial applications that connect AI systems and payment processors securely.

The framework's cloud-native architecture reflects broader shifts in enterprise software, where pre-built integrations replace custom development work.

Adyen and SAP: Strategy

In September 2025, Adyen completed payment system integrations across nearly 50 luxury brands within LVMH, introducing mobile payment terminals and Tap to Pay technology across more than 1,000 stores globally.

The LVMH deployment demonstrated Adyen's capacity to manage complex, multi-brand implementations whilst maintaining individual brand identities.

SAP, meanwhile, announced in September 2025 a partnership with Amazon Web Services to launch a €7.8bn (US$8.4bn) sovereign cloud initiative targeting European financial services firms facing strict regulatory requirements around data sovereignty and compliance.

Future collaboration plans

The Open Payment Framework is now available to SAP Commerce Cloud merchants worldwide.

Both companies have indicated plans to extend their collaboration on embedded payments across SAP's broader ecosystem.

Future development areas include artificial intelligence use cases, customer loyalty programmes and financial services integrations.

The partnership between Adyen and SAP represents a shift towards standardised, platform-based approaches to payment integration, potentially setting new expectations for how enterprise software handles financial transactions.