European Payment & Fintech Alternatives

Adyen

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Adyen N.V.

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Dutch payment platform providing end-to-end infrastructure for accepting payments anywhere in the world.

Wise

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Wise PLC

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Wise (formerly TransferWise) is a London-based fintech company founded in 2011 by Estonian entrepreneurs Kristo Käärmann and Taavet Hinrikus, who were frustrated by hidden bank fees on international transfers. Wise uses the real mid-market exchange rate with transparent, low fees — typically 0.5-1.5% versus 3-5% at traditional banks. It offers multi-currency accounts in 40+ currencies, debit cards, and business accounts. Wise is publicly traded on the London Stock Exchange and holds licenses from the FCA, serving over 16 million customers worldwide.

Klarna

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Klarna Bank AB

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Swedish fintech offering buy now pay later, smooth checkout, and shopping services for consumers and merchants.

Revolut

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Revolut Ltd

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Revolut is a financial app that allows users to manage their money seamlessly across multiple currencies. It offers features such as currency exchange, spending analytics, and budgeting tools. Users can also access global payment services, cryptocurrency trading, and virtual or physical debit cards for secure transactions.

Flatpay

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Flatpay

Flatpay provides businesses with streamlined payment solutions and a powerful point of sale system, allowing merchants to easily accept payments anytime, anywhere, with no hidden fees.

SumUp

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SumUp Limited

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SumUp is a European mobile payment processing company headquartered in London, UK (founded 2012). It enables small businesses to accept card payments via portable card readers and a smartphone app. SumUp operates across 36 markets in Europe, the Americas, and globally. The platform includes card readers, mobile POS, online payments, invoicing, and a business account — all with no monthly fees on the standard plan. Merchants pay only per transaction (1.69% for in-person payments in Europe).

N26

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N26 GmbH

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German mobile bank offering digital banking services with instant notifications and spending insights.

Mollie

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Mollie B.V.

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Mollie is a payment service provider that facilitates online transactions for businesses. It supports various payment methods, including credit cards and digital wallets, to help streamline the checkout process. The platform offers easy integration with websites and provides tools for managing payments and analytics.

ClubCollect

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ClubCollect

ClubCollect simplifies membership fee collection for clubs and associations by automating invoicing and payment reminders. Designed for organizations of all sizes, this Dutch platform offers a unique feature allowing members to choose flexible payment plans, ensuring timely collections while accommodating individual financial situations.

Wero

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Wero

Wero is a European payment solution that allows users to send and receive money instantly across Belgium, France, and Germany. It is part of the European Payments Initiative and aims to simplify digital transactions by eliminating the need for long IBANs and transfer delays. Wero is backed by major European banks and offers a seamless experience for both personal and business transactions.

open-banking.io

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Tatic ApS

open-banking.io, run by Tatic ApS in Hadsten, Denmark, gives individuals and businesses programmatic access to their own bank accounts and transactions without obtaining PSD2 (eIDAS) certificates. Data is encrypted under a key only the account holder holds, and can be browsed in the app, exported to CSV or PDF, or pulled through the API. Bank connectivity runs through Enable Banking Oy in Espoo, Finland, a registered account information service provider supervised by the Finnish Financial Supervisory Authority.

Winstwaker

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Winstwaker

Dutch online bookkeeping for entrepreneurs, including invoicing, expenses, VAT returns and tax filing for businesses established in the Netherlands.