46 European Payments vendors.
Payments: Payment services, payment gateways, online payments and financial transactions. Below, every vendor in the knowledge base headquartered in the EU or the EEA, each checked by us for headquarters, owner, hosting and licence. Non-European vendors are listed at the bottom with a link to their European alternatives.
53 vendors in total: 46 European, 1 American, 6 other; 0 open source. Last checked: 4 October 2026.
Why this matters for digital sovereignty
Payment services process financial transaction data and customer identities, and as a financial entity the provider generally falls under the DORA regulation. Check the provider's licence and home jurisdiction, how transaction data is stored, and who ultimately owns the company.
European vendors
- AdyenEU sovereign
Dutch listed payment processor and acquirer (Amsterdam) with its own banking licence, serving enterprise merchants and platforms.
Netherlands
- AlmaEU sovereign
French payment platform for instalment payment and buy-now-pay-later
France
- Bancontact CompanyEU sovereign
Belgian debit card payment scheme and mobile payment provider used across Belgium
Belgium
- Bancontact PayEU sovereign
Bancontact Pay (formerly Payconiq by Bancontact) is the Belgian mobile payment app operated by Bancontact Company (formerly Bancontact Payconiq Company), headquartered in Brussels. Rebranded March 2026, it processes approximately 2.5 billion transactions annually and is supervised by the National Bank of Belgium.
Belgium
- BillieEU sovereign
German B2B payment platform for buy-now-pay-later and trade financing
Germany
- BLIKEU sovereign
Polish mobile payment platform for online and contactless payments
Poland
- Brite PaymentsEU sovereign
Swedish payment platform for direct bank payments and instant payouts
Sweden
- BuckarooEU sovereign
Dutch payment service provider offering a wide range of payment methods for online merchants
Netherlands · owner in France
- CCVEU-hosted, non-EU parent
CCV is a Dutch payment solutions provider (terminals, acquiring, online payments) serving 600,000+ businesses in NL, BE and DE. Since March 2025 a wholly owned subsidiary of US-based Fiserv (NYSE: FI).
Netherlands · owner in United States
- ComputopEU sovereign
German payment platform with worldwide payment processing and omnichannel solutions
Germany · owner in Italy
- DatatransEU sovereign
Swiss payment platform for online and mobile payment processing
Switzerland · owner in Ireland
- EPSEU sovereign
Austrian online payment system for secure bank transfers
Austria
- EVO PaymentsEU-hosted, non-EU parent
European payment processing platform with point-of-sale and e-commerce solutions
Germany · owner in United States
- FlatpayEU sovereign
Danish flat-rate payments and POS platform for SMEs; unicorn since November 2025.
Denmark
- iDEAL / WeroEU sovereign
iDEAL | Wero is the Dutch online payment method, formerly known as iDEAL, operated by Currence iDEAL B.V. (a subsidiary of EPI Company SE, BE). As of 29 January 2026 the brand transitioned to the co-branded iDEAL | Wero name; the iDEAL brand will be fully replaced by Wero by end of 2027.
Netherlands · owner in Belgium
- IngenicoEU sovereign
French payment terminal and payment processing company, part of Worldline
France
- KlarnaEU sovereign
Swedish buy-now-pay-later fintech providing flexible payment options for consumers and merchants
Sweden
- LemonwayEU sovereign
French payment institution providing payment solutions for marketplaces and crowdfunding platforms
France
- MangopayEU-hosted, non-EU parent
Luxembourg-based payment infrastructure for marketplaces and platforms across Europe
Luxembourg · owner in United States
- MollieEU sovereign
Dutch payment processor (Amsterdam) with simple APIs for European payment methods, recurring payments and invoicing for SMEs and platforms.
Netherlands
- MonduEU sovereign
German B2B payment platform for buy-now-pay-later and flexible payment terms
Germany
- MontonioEU sovereign
Estonian payment platform for e-commerce with bank transfers and buy-now-pay-later
Estonia
- MultibancoEU sovereign
Portuguese payment network for online and in-store payments in Portugal
Portugal
- MultiSafepayEU-hosted, non-EU parent
Dutch payment service provider with smart payment solutions for online businesses
Netherlands · owner in China
- NetsEU sovereign
Nets is a payment and digital-identity brand fully owned by Nexi Group S.p.A. (Italy) following the merger completed in January 2022. Nets' eID business (including MitID and NemLog-in operations) was divested to IN Groupe — agreement signed November 2023, completed November 2024. IN Groupe is a French state-owned company (Agence des participations de l'État). The Nets brand itself remains within Nexi Group.
Denmark · owner in Italy
- NexiEU sovereign
Italian digital payments company and one of Europe's leading paytech providers
Italy
- PAY.EU sovereign
Dutch payment platform providing omnichannel payment solutions for online and in-store
Netherlands
- PAYONEEU sovereign
German omnichannel payment platform for online and in-store payment processing
Germany · owner in France
- PaytrailEU sovereign
Finnish payment platform for online payment processing in Finland
Finland · owner in Italy
- PayUEU-hosted, non-EU parent
PayU GPO is a global payment service provider headquartered in Amsterdam, Netherlands, specialising in emerging markets across Latin America, Africa, and Europe. Since March 2025 it is owned by Rapyd Financial Networks Ltd, a UK-incorporated fintech. The ultimate controlling parent is UK-based.
Netherlands · owner in United Kingdom
- PledgEU sovereign
French payment platform for instalment payment without credit card
France
- Przelewy24EU sovereign
Polish online payment provider supporting bank transfers and alternative payment methods
Poland · owner in Italy
- QliroEU sovereign
Swedish payment platform with checkout solutions for Scandinavian e-commerce
Sweden
- RivertyEU sovereign
German payment platform by Bertelsmann for buy-now-pay-later and invoicing
Germany
- SatispayEU sovereign
Italian mobile payment platform enabling peer-to-peer and merchant payments
Italy
- ScalapayEU sovereign
Italian payment platform for buy-now-pay-later solutions in Europe
Italy
- SwishEU sovereign
Swedish mobile payment system backed by major Swedish banks for instant payments
Sweden
- TillitEU sovereign
Norwegian B2B payment platform for buy-now-pay-later in business e-commerce transactions
Norway
- TinkEU-hosted, non-EU parent
Swedish open-banking platform connecting banks and fintechs across Europe (now part of Visa)
Sweden · owner in United States
- TrustlyEU sovereign
Swedish open-banking payment provider enabling direct bank payments across Europe
Sweden
- TWINTEU sovereign
Swiss mobile payment platform for contactless payments and P2P transactions
Switzerland
- UnzerEU sovereign
German payment provider offering omnichannel payment solutions for the DACH region
Germany
- Vipps MobilePayEU sovereign
Norwegian-Danish mobile payment platform for P2P and business payments
Norway
- Viva WalletEU sovereign
Greek cloud-native neobanking and payment platform for European businesses
Greece
- WeroEU sovereign
European digital wallet and account-to-account payment scheme by EPI Company SE (Brussels), backed by 18 banks; licensed by the National Bank of Belgium (2024).
Belgium
- WorldlineEU sovereign
French payment and transactional services company and one of Europe's largest payment processors
France
Non-European vendors in this category
For each vendor, the page with European alternatives and the sovereignty profile.
- Non-EU vendorCheckout.comUnited Kingdom · 8 EU alternatives
- Non-EU vendorFondyUnited Kingdom · 8 EU alternatives
- Non-EU vendorGoCardlessUnited Kingdom · 8 EU alternatives
- Non-EU vendorStripeUnited States · 8 EU alternatives
- Non-EU vendorSumUpUnited Kingdom · 8 EU alternatives
- Non-EU vendorToken.ioUnited Kingdom · 8 EU alternatives
- Non-EU vendorTrueLayerUnited Kingdom · 8 EU alternatives
Frequently asked questions
Which European Payments vendors are there?
The knowledge base lists 46 European Payments vendors, including Adyen, Alma, Bancontact Company and Bancontact Pay. Every record is checked for headquarters, ultimate owner, hosting locations and licence.
Which non-European Payments vendors have a European alternative?
Checkout.com, Fondy, GoCardless and Stripe each have a curated list of European Payments alternatives, checked for headquarters, owner and hosting.