Payment Service Providers in Europe

Super simple! Just answer a few quick questions about your online store: which payment methods you need, where you sell, and what integration you use (like WooCommerce, Shopify, or an API). Our smart tool compares top payment providers and shows you the best matches for your business. Then, you can compare providers, contact them directly, or request a quote—all in just a few clicks.

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Yes, absolutely! There are no hidden fees or costs. Our free payment provider comparison tool helps you find the best payment gateway for your business—without any commitments. Whether you’re looking for an online payment solution, want to compare payment processors for free, or know how to find a payment provider, we make it simple. Save time and money by instantly seeing which provider matches your needs, including payment methods, solutions, and integrations.

How is this free? Our service is funded by payment providers who pay us a fee to help them connect with potential customers. This means you get unbiased, no-cost recommendations while they potentially gain new business opportunities.

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Because it saves you time and effort. We’ve already done the hard work by listing and comparing the best payment providers in one place. There is no need to search through dozens of websites—we’ve got it covered. Just enter your profile and payment needs; our tool shows you the best payment gateway(s) for your business. Fast, simple, and hassle-free!

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We offer a wide range of payment service providers, from big names like Stripe, Adyen, Nuvei, and Worldpay to specialized Payment Providers for direct debits or Buy-Now-Pay-Later solutions such as Klarna and Riverty. Whether you run a small webshop or a large international business, our free payment provider comparison tool finds the best match for your needs. Fast, simple, and hassle-free!

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No worries! Our free payment provider comparison tool also helps you choose the best payment methods. We show you which payment options are most commonly used based on your target audience and sales regions. This way, you can be sure your customers can pay easily and securely—boosting your sales.

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Absolutely. Once you’ve found the best payment providers for your webshop, you can contact them directly. Ask questions to a direct contact, request a free quote, or even try a demo of their system. Fast, easy, and hassle-free.

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No problem! Our payment provider finder also helps businesses looking to switch providers. Maybe you want better rates, new payment methods, or faster payouts. With our tool, you’ll quickly see if there’s an alternative option for your webshop.

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A Payment Service Provider is your go-to partner for secure online payments. Think of it as the middleman that processes transactions between your e-commerce store and your customers. With the right e-commerce payment solutions, customers can pay easily using credit cards, PayPal, Klarna, iDEAL, and more. No hassle, no stress—just fast and safe transactions. Whether you’re looking for credit card processing or wondering how to accept online payments, a payment provider keeps everything smooth and simple.

Read more in this article: "What is a Payment Service Provider?"

As a business owner, you want to process payments quickly and easily. But directly integrating with banks and payment methods like credit cards, PayPal, Klarna, or iDEAL? That’s technically complex and full of regulations, and credit card processing is even impossible. This is where a payment provider comes in. They handle secure transactions, connect with banks, and handle all technical hassles—no separate contracts with every payment method, no development headaches—just one platform that manages everything. Whether you run an e-commerce store or offer services, a payment provider ensures fast, secure, and seamless payments. And you? You gain more time to grow your business.

Read more in this article: "Why do I need a payment provider for online payments?"

The costs of a Payment Service Provider vary depending on the provider and payment method, as well as your online turnover, transaction volumes, and average transaction amount. In addition to method fees, you often pay a fixed processing fee per transaction. Payment methods are charged either by a fixed fee, a commission or a combination of both. Credit card processing typically costs 1.8% to 2.9% of the purchase amount, while PayPal transactions can range from 2.5% to 3.5%. For iDEAL payments, fees usually range from €0.25 to €0.35 per transaction (some providers charge a percentage). Providers can also charge setup fees, monthly costs, chargeback fees, and other fees for features or services like currency conversion, fraud detection, and international settlements.

Compare rates carefully, but don’t focus only on costs. Consider payout speed, available payment methods, customer support, and valuable integrations like accounting software. Need help? Use our free 'Provider-Finder' to find the best fit and request quotes instantly.

Yes, you can. Some e-commerce entrepreneurs combine multiple payment providers to get better rates or offer more payment options (not every provider offers the same online payment methods). For example, you can use Mollie for iDEAL and credit cards while handling Buy-Now-Pay-Later payments through a direct integration with Klarna. Some e-commerce platforms like Shopify and WooCommerce make it super easy to integrate multiple payment gateways. This way, you get the best of both worlds—flexibility, lower costs, and a perfect mix of online payment methods for optimal conversion.

Choosing the right Payment provider depends on several factors. Compare transaction fees, available payment methods, integration options, customer support, and payout times to find the best fit. Consider your business size, sales volume, and target audience—a provider that works well for a small local shop may not be ideal for a growing international business. Also, consider scalability and how easily the provider integrates with your e-commerce platform or accounting software. Researching and comparing options will help you find a reliable and cost-effective solution that meets your needs. Feel free to try our free 'Provider-Finder' to find yours easily.

Read more in this article: "How to choose the best Payment Service Provider"

The most used are credit cards (MasterCard, VISA, and Amex), PayPal, and buy-now-pay-later methods (e.g., Klarna, Afterpay). Apple Pay and Google Pay are booming, but mostly on mobile and tablet devices. International buyers often use credit cards or PayPal. More (localized) payment options generally mean more sales. Please be aware of strong local payment methods crucial in converting shoppers into buyers, such as iDeal in the Netherlands and PIX in Brazil. Want to find the best online payment methods for each country? Head to payment methods by country.

Quick links for your convenience:

• Most favorite online payment methods in the US

• Popular online payment methods in the UK

• Online Payment Methods for the Canadian Market

When it comes to online shopping, convenience is everything—especially at checkout. Credit cards and PayPal are popular worldwide, but many customers prefer local payment methods. Some love bank transfers, others trust digital wallets, and buy-now-pay-later options are booming. The trick? Offer a payment mix that suits your audience. A seamless checkout experience reduces friction, builds trust, and ultimately drives more sales. The more payment options you offer, the bigger your customer base.

Not sure which payment methods your customers prefer? Check out our Payment Methods per Country section to find the best payment options for your webshop.

The cost of accepting payments varies greatly by provider and payment method. iDEAL transactions typically cost €0.29–€0.35 each, while credit card fees range from 1.8% to 2.9%. PayPal charges between 2.5% and 3.5%. Most providers charge a fixed transaction fee - in addition to the method fee - and sometimes other service-related costs like setup or monthly charges. Compare rates carefully, but don’t focus only on price. Consider payout speed, customer support, and valuable integrations like accounting software. Use our Free Provider-Finder to find the best provider for your business. Quickly get in contact and request multiple quotes with a single click.

Buy now, pay later (BNPL) services like Klarna, Afterpay, and Riverty let customers receive their order first and pay later—sometimes in installments. This lowers barriers, removes purchase hesitation, and boosts conversions. As a business, you usually get paid upfront. Still, transaction fees are typically (substantial) higher than those of credit cards and PayPal, as well as local payment methods like iDeal, MobilePay, and PIX. BNPL is especially popular for expensive purchases and fashion e-commerce.

Quick links:

• Payment Service Providers supporting Klarna

• Payment Service Providers supporting Riverty

• Payment Service Providers supporting AfterPay

Apple Pay is a digital wallet that lets customers pay quickly and securely with their iPhone, iPad, or Mac. Users link their debit or credit card to the Apple Pay wallet, making payments seamless—whether in-store, at restaurants, or online. Faster checkouts mean higher conversion rates, especially for mobile shoppers. Many Payment Service Providers (PSPs) like Mollie and Stripe offer Apple Pay integration, making it easy to add alongside iDEAL, credit cards, and Klarna.

Quick links:

• Looking to accept Apple Pay? Use our Free Provider-Finder

For hassle-free recurring payments, SEPA Direct Debit, credit/debit cards (MasterCard & VISA), and PayPal are excellent choices. After the first manual payment, your provider handles automatic charges. Many Payment Service Providers (PSPs), such as Mollie, Buckaroo, Adyen, and Stripe, support these options. Compare and choose the best fit using our Free Provider-Finder tool.

Yes, you can accept cryptocurrency payments in your webshop using providers like BitPay or Coinbase Commerce. These Payment Service Providers make it easy to process Bitcoin, Ethereum, and other cryptocurrencies. Crypto payments are fast, secure, and work internationally, making them a great option for global businesses. However, there are a few things to consider. Cryptocurrency values can be highly volatile, meaning the amount you receive today could be worth more or less tomorrow. Also, while crypto is gaining popularity, not all customers trust or use it yet. If you want to offer crypto as a payment option, choose a provider that allows instant conversion to stable currencies like US Dollar or Euro to minimize risk.

Quick links:

• Find a Crypto Payment Service Provider with our Free Provider-Finder

For most webshops, integrating a payment provider is straightforward. Many providers offer a plugin that works seamlessly with platforms like WooCommerce, Shopify, and Prestashop. Just install the plugin, tweak the settings, and you’re ready to go—often within hours.

If no plugin is available or you need a highly customized checkout, an API integration may be required. This means working with a developer, which takes more time and can cost more, but it gives you full control over the checkout experience.

Heads up! You’ll also need an approved account with the payment provider to start accepting payments. Learn more under the tab ‘Onboarding’.

If your webshop runs on platforms like Shopify, WooCommerce, or Wix, you can easily integrate most payment providers using ready-to-use plugins—no coding required! However, if you have a custom-built website or need a fully tailored checkout experience, you’ll likely need a developer to set up an API connection. In short, it depends on your webshop and how customized you want your payment process to be.

Note: Our free Provider-Finder matches you with payment providers that support plugins for your shop platform. Every provider also offers an API with developer support for custom integrations.

A plugin is like a ready-made adapter—just install it, and you’re good to go! It’s ideal for platforms like Shopify and WooCommerce, where no coding is needed. An API, however, gives you full control over the payment flow but requires IT capacity or a developer to integrate. Some webshop platforms only allow certified payment providers through plugins, limiting your choices. Others, like Magento, support both plugins and APIs, giving you more freedom. Nearly every payment provider offers an API, so if your platform allows it, you have a wide selection. Your choice between a plugin or API integration depends on your e-commerce platform, the customization you need in your checkout, and your technical knowledge and budget.

Want to find the best option for your shop? Use our free Provider-Finder to see which payment providers support plugins for your specific e-commerce software. Quickly contact the provider(s) of your interest and request one or more pricing proposals with a single click.

Using Magento, you don’t have to build everything from scratch. Well-known payment providers like Mollie, Stripe, PayPal, Adyen, and Klarna all offer ready-to-use plugins—no complex coding required! Simply install the plugin via the Magento Marketplace or directly from the provider’s website, configure your payment methods, test them, and you’re good to go. It’s the fastest way to start accepting payments without needing a complicated API integration. Always check if the plugin is compatible with your Magento version to avoid issues.

Want to find the best payment provider with a Magento plugin that fits your business? Use our free Provider-Finder—quick and easy.

If you use WooCommerce, you don’t have to build everything from scratch. Popular payment providers like Mollie, Stripe, PayPal, Adyen, and Klarna offer ready-to-use plugins—no complicated coding required! Just install the plugin via the WooCommerce app market or the provider’s website, set up your payment methods, test them, and you’re ready to accept payments. No API hassles, just a smooth and fast setup. Always check if the plugin is compatible with your WooCommerce version to avoid issues.

Want to find the best payment provider with a WooCommerce plugin for your business? Use our free Provider-Finder—quick and simple.

Using Shopify, you don’t have to build everything from scratch. Well-known payment providers like Mollie, Stripe, PayPal offer ready-to-use plugins—no complex coding required. Simply install the plugin via the Shopify Marketplace or directly from the provider’s website, configure your payment methods, test them, and you’re good to go. It’s the fastest way to start accepting payments without needing a complicated API integration.

Want to find the best payment provider with a Shopify plugin that fits your business? Use our free Provider-Finder—quick and easy.

Setting up payments for your webshop? It’s easy and involves three main steps. First, choose a payment provider, create an account, or apply for a contract. Then, go through a mandatory screening process where your business and identity are verified. The time this takes depends on the provider and your company. Once approved, integrate the payment provider into your webshop—either with a plugin (for Shopify, WooCommerce, etc.) or via an API for custom solutions. Run a test payment, and you're ready to start selling! Use our free Provider-Finder to compare and find the right payment provider for your business.

Payment providers must comply with regulations to prevent fraud, money laundering, and terrorism. This process, called Know Your Customer (KYC), involves checking your business details, verifying the owner’s identity, and sometimes reviewing your website or products. It can take some time, but if everything is in order, you’ll be able to accept payments quickly. Some providers, like Mollie and Stripe, have streamlined digital onboarding to speed up the onboarding process.

It depends on the payment provider and your business situation. The approval process usually takes a few days to a few weeks, but it can be faster or slower depending on the case. You’ll typically need to submit documents like your business registration, UBO details, and an ID. Some providers approve accounts quickly, while others take their time and conduct extra checks, such as reviewing your webshop or products. If you sell digital products or subscriptions, approval may take longer. Don’t worry—if you provide all the required details correctly, you can usually start accepting payments within a few days/weeks. With providers like Mollie and Stripe, you may even be able to accept payments right away under certain restrictions, such as limited payment methods or a revenue cap, until full approval is completed.

That depends on the payment provider. Each provider has its own acceptance policy on what can and cannot be sold. Some products and services are reviewed more strictly. Illegal items are, of course, a no-go, but high-risk sectors like gambling, CBD products, or ticket sales often face stricter conditions or may even be denied.

Are you starting a new business or have a low sales volume? Providers tend to assess these cases more critically. Not sure if your product or service will be accepted? Reach out to the payment provider—they can usually tell you upfront if you have a good chance to get an account. Some providers require an application and screening process before making a decision.

Feel free to use our free Provider-Finder to find out which providers fit your business and contact them with a single click.