European alternatives to PayPal

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Mollie

Mollie is a Dutch payment service provider from Amsterdam that handles online and in-person payments for European merchants. The company is licensed as an e-money institution by the Dutch central bank and operates across the entire European Economic Area (plus the UK and Switzerland) via EEA passporting. Mollie covers common European payment methods – card, SEPA direct debit, iDEAL, Bancontact, PayPal and more – and, according to the provider, processes payment data in European data centers under EU jurisdiction. Pricing is transaction-based and transparent, usually with no monthly fee. This makes Mollie a practical European alternative to Stripe or PayPal.

2

Adyen

Adyen is a Dutch payments and fintech company from Amsterdam that unifies online, in-store and marketplace payments on a single platform. Adyen is listed on Euronext and holds its own European banking licence (acquiring bank), giving it deep control over the payment chain. The platform is built for larger, often international companies and high transaction volumes, and bills transparently via interchange++ with no monthly fee. As a European provider with EU data processing, Adyen is a sovereignty-friendly alternative to US payment platforms – especially for enterprise and omnichannel setups.

Paysera is a European fintech from Lithuania that bundles accounts (IBAN), international transfers, currency exchange and payment acceptance for businesses. It is operated by Paysera LT, UAB, an e-money institution supervised by the Bank of Lithuania (licence LB000251, Lithuania's first e-money licence in 2012). There are checkout integrations for online shops, plus cards, mass payments and an app. According to the provider, personal data is processed within the EEA; the pricing model is transaction-based and the account itself is generally free. As a regulated EU payment institution, Paysera is a sovereign alternative to US-centric payment providers – but it is not open source.