Best Payment Gateways in Europe
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Compare the Top Payment Gateways in Europe as of March 2026
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What are Payment Gateways in Europe?
A payment gateway is a technology that facilitates online transactions by securely processing payments between customers and merchants. It acts as an intermediary between the customer’s bank and the merchant’s bank, ensuring sensitive data, such as credit card details, are transmitted securely using encryption. Payment gateways handle authorization, ensuring the transaction is valid and funds are available before processing payment. They also support multiple payment methods, including credit cards, debit cards, and digital wallets. Overall, payment gateways simplify and secure the payment process, making online purchases smooth and reliable for both businesses and consumers. Compare and read user reviews of the best Payment Gateways in Europe currently available using the table below. This list is updated regularly.
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1
Amazon Pay
Amazon
Amazon Pay makes it simple for hundreds of millions of customers around the globe to pay for products and services using the information already stored in their Amazon accounts. To make a payment, you can use any of the payment methods in your Amazon account. The Amazon Pay checkout solution increases shopper engagement, brand visibility, and security for your business, letting hundreds of millions of Amazon customers pay their way, every day. Amazon Pay is a service offered to Amazon customers, and you are enabled to use it wherever you see it — whether that is clicking the Amazon Pay button when checking out on your favorite online stores, managing your payment methods in your account on Amazon.com or using Amazon Pay on Alexa. There are no additional sign-ups or sign-ins. Your transactions are safe and secure, and everything can be tracked in your Amazon account. -
2
Stripe
Stripe
The new standard in online payments. Stripe is the best software platform for running an internet business. We handle billions of dollars every year for forward-thinking businesses around the world. Stripe builds the most powerful and flexible tools for internet commerce. Whether you’re creating a subscription service, an on-demand marketplace, an e-commerce store, or a crowdfunding platform, Stripe’s meticulously designed APIs and unmatched functionality help you create the best possible product for your users. Millions of the world’s most innovative technology companies are scaling faster and more efficiently by building their businesses on Stripe. We believe that payments is a problem rooted in code, not finance. We obsessively seek out elegant, composable abstractions that enable robust, scalable, flexible integrations. Because we eliminate needless complexity and extraneous details, you can get up and running with Stripe in just a couple of minutes.Starting Price: 2.9% + 30¢ per charge -
3
Clearly Payments
Clearly Payments
Clearly Payments provides low-cost credit card processing services and software for online payments, payment terminals, credit card machines, mobile payments, and recurring billing and invoicing. The Clearly Payments mission is to drive down the cost for merchants to accept payments. Period. Our first step in the plan is to build a payment processor with an incredibly low-cost structure. That takes innovation, so we need a strong corporate culture. We keep costs low with: - Virtual teams, cloud software, and a metrics-driven culture to operate our business - Working with the best and lowest cost payment technology providers in the world - Customer acquisition through communities, word-of-mouth, and partnerships. Our low-cost structure allows us to pass on the savings to merchants to cut their costs. We are growing on this front, making merchants happy and saving them money every day. https://www.clearlypayments.comStarting Price: $10.00/month -
4
BlueSnap
BlueSnap
BlueSnap's All-in-One Accounts Receivable Automation solution, formerly Armatic, is the highest rated software solution for Payment Processing, Billing/Invoicing, Recurring Billing and Subscription Management. Billing and Invoicing: Create beautiful invoices with our powerful invoice editor synced into your accounting system. Provide a customer portal, automatic charging, payment collection, and apply late fees. Recurring Billing & Subscription Management: BlueSnap provides enterprise-class subscription billing management for fast-growing businesses worldwide. Enable trial periods, manage plans, or prorate subscriptions. Payment Processing: BlueSnap is processor agnostic and provides integrations to all types of payment solutions from credit card payments, ACH, SEPA to wires. We handle partial payments, automatic failed payment retry, and automatic payment recovery.Starting Price: $35/user/month -
5
PaySimple
PaySimple
PaySimple is the leading payments management solution for service-based businesses, powering the cashflow of over 20,000 companies nationwide. PaySimple builds long-term partnerships with companies to drive growth providing flexible payment and billing solutions and personalized customer service to suit their distinct business needs. With a robust API, PaySimple is a trusted technology partner for payment integrations; natively handling cashflow within SaaS products and mobile applications.Starting Price: $59.95/month -
6
Zoho Checkout
Zoho
Zoho Checkout makes online payment collection easier. Zoho Checkout provides businesses the ability to receive one-time and recurring online payments with no fuss and no hassle. Businesses simply have to create their own payment page without writing code; Customize the page for a more personalized brand experience; and finally collect payments. Payment pages created from Zoho Checkout is designed to fit every screen and device.Starting Price: $9.00/month -
7
RiskPay
RiskPay
RiskPay is a payment gateway built specifically for high-risk businesses, offering instant approvals, anonymous onboarding, and fast USDC payouts. Merchants can easily apply without KYC, integrate the platform with WooCommerce or custom APIs, and start accepting credit cards, digital wallets, and bank transfers immediately. The solution provides one-click high-converting payment gateways, real-time payout tracking, and seamless global payment acceptance. RiskPay also offers instant USDC (Polygon) transfers with no delays or hidden fees, giving merchants immediate access to their funds. High-risk companies benefit from fraud protection, PCI DSS compliance, reliable payouts, and dedicated support. Overall, RiskPay simplifies payment processing for industries underserved by traditional payment processors.Starting Price: $0 -
8
GoCardless
GoCardless
Simplify recurring or one-off payment processing with GoCardless, UK's leading online direct debit provider. Cost effective and secure, GoCardless offers a truly paperless Direct Debit set up option, with a simple migration process and transparent fees. The platform also comes with pre-built integrations with leading accountancy, membership and subscription software, including Xero, Quickbooks, Sage, Zuora, Teamup and Online Scout Manager.Starting Price: $0.01/month/user -
9
ChargeOn
Cyntexa
ChargeOn is a 100% Salesforce-native application designed to simplify, automate, and optimize how businesses handle payments — all within Salesforce. It bridges the gap between your Salesforce CRM and 14+ leading payment gateways, giving your team a unified platform to streamline your overall payment management. Why Businesses Need ChargeOn Businesses often faced challenges in receiving Salesforce payments due to manual processes. these processes slowed revenue recognition, resulted in duplication of records and imped customer experiences. ChargeOn eliminates these challenges by providing a seamless payment ecosystem inside Salesforce — ensuring faster collections, improved cash flow, and improved visibility in customer's payment journey. No more switching between systems or chasing failed payments — everything happens in one place, securely and automatically.Starting Price: $3500 -
10
billwerk
billwerk
Subscription Management, Recurring Billing and Payments radically automated for your European subscription business. The platform complies with European Standards EU-DSGVO and GOBD, has a strong REST API and offers a variety of ready-to-use integrations to European third-party vendors. With billwerk your subscription revenues grow faster, your costs are minimized and You steadily benefit from the high product innovation rate of othe platform.Starting Price: euro 139/month -
11
MagicPay
MagicPay Merchant Services
Credit Card Processing & Merchant Services Simplified. Complete Payment Processing Solutions For Your Business Established in 2012, MagicPay Merchant Services has been providing merchant account services to thousands of merchants worldwide. Our credit card processing, ACH and eCheck solutions, along with our point-of-sale systems will support your business every step of the way, building successful business environment. Free EMV Terminal. Get a FREE credit card terminal, works with Dial-Up or Ethernet connection. Point-of-Sale Systems. Manage your business like a pro. Retail & restaurant POS solutions. Wireless Terminals. Take payments anywhere, with on-screen signature capture. Mobile Payments. Accept payments using your smartphone or tablet with our Bluetooth card reader. Online Payments Virtual terminal, recurring billing, electronic invoicing & E-Commerce. Multi-Currency Processing. Accept payments in 120+ currencies and settle in USD.Starting Price: $15 per month -
12
Corefy
Corefy
Corefy is a payment orchestration and white-label infrastructure platform designed for payment institutions, PSPs, fintech companies, large merchants, and digital platforms managing complex payment operations. The platform consolidates fragmented payment stacks into a single configurable system for managing payments and payouts, routing and cascading logic, analytics, tokenisation, anti-fraud controls, and operational workflows. Instead of building and maintaining multiple direct integrations, businesses connect once to Corefy and gain access to 600+ pre-built connectors with global PSPs, acquirers, and alternative payment providers. At the core of the platform is a routing and cascading engine powered by 100+ attributes — including metadata — enabling granular control over transaction flows. Businesses can configure routing strategies based on geography, BIN, currency, risk parameters, or provider performance to optimise approval rates and manage risk.Starting Price: €2500/month -
13
Billtrust
Billtrust
Billtrust makes it easier for B2B companies to get paid. We’ve been the leading innovator in A/R automation for nearly two decades and continue accelerating. Our customers span 40+ industries and we lead with double-digit market share in many of the industries we serve. We provide automated order-to-cash solutions that meet diverse buyer requirements and speed cash application through tailored invoice delivery, secure multi-channel payment enablement and intelligent matching and payment posting. Enable customers to quickly buy more while reducing your overall credit risk through multiple data sources, smart recommendations and automated credit applications. Meet your customers in the B2B eCommerce marketplace with highly configurable web stores. -
14
PayXpert
PayXpert
THE PERFECT FORMULA TO INCREASE YOUR SALES Our Payment Gateway together with our Central Panel and our Connect2pay payment page solution are the result of years of experience in the payment industry. We constantly revamp them as our innovative experts come up with new ideas and our clients’ needs grow. With PayXpert, you will benefit from an innovative payment technology. We help you to improve your conversion rate while keeping you safe. Use the advanced payment technological tools that PayXpert team has developed. In accordance with local payments habits, one of the main key to be successful in company internationalization is to have the right payment method to get high volume of sales. With PayXpert, you can go international with local payment methods. Our payment solutions enable our clients to open business worldwide. PayXpert is connected with a large network of acquirers and also with many Alternative Payment Solutions around Europe, Morocco and Asia. & more -
15
AlphaPoint
AlphaPoint
AlphaPoint is a global financial technology company providing digital asset infrastructure to power the next generation of exchanges, brokerages, payment networks, and banking. Our full-suite products provide trusted, secure, scalable, and customizable solutions for trading, payments, lending, custody, and more. AlphaPoint has enabled over 150 customers in 35 countries including the CME Group, XP Securities, and Chivo. AlphaPoint has powered over 1 trillion in trading volume and the technology has handled billions in assets on the platform. Over the past decade, we have received multiple prestigious awards recognizing our innovations, exponential growth and leading technology in the fintech and digital asset space, positioning us to continue empowering our clients. -
16
PayNuts
PayNuts
PayNuts is a payment service provider offering cost-effective EFTPOS and ecommerce solutions tailored for small businesses across Australia and New Zealand. Our services include Pay Nothing EFTPOS, which eliminates transaction fees by allowing businesses to surcharge customers, and low fee EFTPOS, providing competitive rates with a monthly terminal rental fee. PayNuts supports over 700 point-of-sale platforms, ensuring seamless integration for various business needs. We offer a range of EFTPOS terminals, including the VeriFone T650p, PAX A920, and PAX A77, catering to different business requirements. Our ecommerce solutions encompass online payment gateways and payment links, enabling businesses to accept payments anytime, anywhere. With our customer support, PayNuts is committed to assisting businesses in managing transactions, settlements, and funding deposits through our user-friendly merchant portal.Starting Price: $29 per month -
17
North American Bancard
North American Bancard
Looking to accept credit card payments online or currently accepting payments but looking for a new payments partner? Either way, North American Bancard is here to help. We realize that accepting payments online is no longer a nice-to-have, but rather a need-to-have, and we want to make it as simple and affordable as possible for you. You can use your existing website to offer a completely customizable checkout experience with your branding while simultaneously freeing yourself from liability for sensitive cardholder data with our PCI Plus Program. Our ecommerce solutions allow you to have integrated point of sale software for online credit card processing. We partner with the most popular point of sale and shopping cart plug-ins. So no matter what you need, we can help with quick and easy online payment processing. -
18
BillingTree
BillingTree
Use the payment provider that helps you reduce expenses and generate more revenue. Whether you’re looking to accept multiple payment options for your healthcare practice or simply want to keep more of your account receivables, BillingTree can help you grow. Making a quality payment processing experience can help you grow and maintain your customer relationships. We also know that every industry has specific payment needs and requirements. That’s why you won’t find a one-size-fits-all approach with BillingTree. Our team members are dedicated to every industry we serve, giving you more control over your business and how payments are managed. From start to finish, our merchant services make the payment process fast, simple, and secure. BillingTree’s payment processing system isn’t just a list of products. We provide integrated solutions that help you keep more of your payments, get paid faster, and minimize complexity. -
19
Bolt
Bolt Financial
Bolt is a next-generation checkout platform designed to make online purchases faster, safer, and more intuitive. It uses an intelligent shopper network to recognize customers instantly and enable one-click, passwordless checkout. Bolt adapts in real time based on shopper behavior, preferences, and purchase history. The platform helps businesses reduce cart abandonment and increase repeat purchases. Bolt integrates seamlessly into existing ecommerce stacks without disrupting current workflows. Its identity-driven checkout builds trust and improves conversion rates across sites. Trusted by leading brands, Bolt turns checkout into a competitive advantage. -
20
Prolitus Crypto Payment Gateway
Prolitus Technologies
Providing End-to-end NFT token development services to ensure users can tokenize their rare items or collectibles assets. World-class Metaverse NFT marketplace development services offered to help users create a perfect, virtual new world and also customize their own Metaverses. Create your own crypto tokens that are fungible and have legal compliance with our offerings of comprehensive SFT token development services. Unlock the benefits of DeFi yield farming strategies to generate more cryptos with existing cryptos. Launch your own DeFI wallets to enjoy complete freedom, transparency, security and accessibility of your digital assets. Peer-to-peer decentralized Applications or Dapps can enhance security of your systems and also bring about more transparency in the ecosystem. -
21
2Checkout
Verifone
The 2Checkout Monetization Platform is comprehensive and flexible, so you can quickly pursue new market opportunities and deliver exceptional user experiences. The all-in-one monetization platform that maximizes your revenues and makes global digital sales easier. We enable merchants to accept mobile and online payments from buyers worldwide. Our payment processing is seamless, safe, reliable, no matter where you are on the map. This is the all-in-one monetization package that helps global businesses grow digital commerce revenue streams. Get in front of new customers worldwide via our niche affiliates from across the globe, and use our channel manager solution to multiply your global distribution network online. Reach out through the channels where your customers are buying.Starting Price: 4.5% + $0.45 per sale -
22
PayU
PayU
PayU is a payment processing platform, that enables merchants to accept cross-border and local payments with full payment methods coverage for any type of market and customer. PayU helps merchants improve their approval rates with the lowest fees while ensuring the highest level of security for their transactions – all through a single connection. As a provider of payment processing solutions, PayU helps merchants grow their sales. Once onboarded, merchants gain access to hundreds of local and global payment methods, seamless checkout experiences, and anti-fraud and security capabilities that will make customers return to their stores. No matter how complex your eCommerce business is, PayU covers multiple integration scenarios. -
23
NMI Gateway
NMI
NMI Gateway is a white-label, omnichannel payment platform for ISOs, banks, software companies and fintechs that want to deliver secure, scalable and customizable payment acceptance. Supporting online, in-store, in-app, mobile and unattended commerce, NMI Gateway integrates with 150+ processors, 125+ shopping carts and multiple business platforms. NMI does not sell directly to merchants, we power 4,000+ partners serving over 1 million merchants worldwide and give them control over branding, pricing and merchant relationships, backed by developer-friendly APIs and modular functionality. Key capabilities include omnichannel support, white-label customization, multi-MID management, P2P encryption, advanced fraud prevention, centralized reporting and compatibility with 235,000+ devices. Processing 5.8B+ transactions annually and $440B+ in volume, NMI Gateway delivers the flexibility, scalability and security partners need to support merchants of all sizes through one centralized platform. -
24
Infinicept
Infinicept
Many companies promise quick and simple payments acceptance. But off-the-shelf payments solutions come with trade-offs. You may be giving up payments revenue, ownership of your data, and control over your payments product and your customer experience. Offer your customers a customized payment product where they control fees, funding schedules, onboarding decisions, and the entire payment process. Build payment solutions how you choose with the ability to change if and when necessary. Generate additional payments revenue you used to hand over to third parties. This new cashflow can increase your valuation exponentially. Ongoing risk and compliance monitoring designed by those who wrote the book on risk and compliance. Industry-best KYC processes, customizable merchant application, triggered underwriting, and integrated boarding services. -
25
ACI Secure eCommerce
ACI Worldwide
Enable customer journeys, accept all payments, prevent fraud and optimize your payments strategy for maximum conversion with a minimal cost of ownership with our true payments orchestration platform. Optimize every element of the payments journey, from the checkout experience to offering the right payment methods, to receiving funds in your bank account. Optimize authentication, control fraud and chargebacks, and orchestrate multi-acquirer setups. Orchestrate your payments setup to reduce costs and improve customer experiences. Our dedicated, multilayered fraud prevention capabilities provide a robust framework to minimize the impact of fraud. Deep sector expertise, advanced machine learning capabilities, a global team of fraud experts, and fraud strategies tailored to individual merchant needs result in reduced chargeback rates, lower operational costs and optimized acceptance rates. -
26
CelerisPay
CelerisPay
CelerisPay’s Payment Orchestration Platform allows merchants to take control of their payment flow through the multi-acquirer set-up. Online merchants can utilize Intelligent Transaction Routing to set custom and effective transaction routing rules to increase the success rate. Real-time In-Depth Reporting data facilitates better decision-making, while Automated Reconciliation ensures no transaction is left unmatched between acquirers. -
27
8am AffiniPay
8am
8am AffiniPay is a payment-management platform tailored for associations, nonprofits, and member-based organizations that enables them to accept and manage dues, event registrations, donations, and sponsorship payments through a unified system. It provides secure, PCI-compliant processing for credit/debit cards and e-checks, offers customizable branded payment pages and brochures, and automates recurring billing and reminders to reduce manual follow-up. The platform integrates with association-management systems, membership databases, and finance tools, so transaction data flows seamlessly into reporting and reconciliation workflows. Dashboards deliver real-time visibility into payments, deposits, and member-activity metrics, reducing administrative overhead and improving cash-flow predictability. Additional features include support for in-person card readers, flexible payment methods, and enterprise-grade security and compliance standards to ensure member data and funds are protected. -
28
SparrowOne
SparrowOne
SparrowOne’s Payment Gateway is a simple to use, secure and transparent payment solution. It was designed from the client?s perspective to simplify transaction processing while providing the highest level of data security. The SparrowOne Payment gateway not only performs online transaction processing, it also offers versatile, value added functions. -
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TreasuryPay
TreasuryPay
Instant™ Enterprise Data and Intelligence. Visibility into all transaction data, as it is happening, wherever it is happening worldwide. With just one network connection, organizations receive worldwide Accounting, Liquidity Management, FX, Marketing, and Supply Chain information — delivered in a single managed solution to empower enterprise intelligence. The TreasuryPay product set streams your global receivables information, delivering instant accountancy and cognitive services. It is, quite simply, the most advanced intelligence and insights platform currently available to global organizations. Instantly provide your organization with enriched information for your entire global enterprise. The change is easy. The Return on Investment, remarkable. Actionable intelligence and real-time global accountancy are now available at your fingertips with TreasuryPay Instant™.
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