French payment giant (Worldline SA, Paris-listed WLN), #4 PSP worldwide, 18k employees, free-float >90% with no controlling shareholder.
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- CLOUD ACT
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US-owned payment gateway, PayPal subsidiary since 2013.
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Ordered by feature parity and migration friction, which is weighted higher than feature breadth.
French payment giant (Worldline SA, Paris-listed WLN), #4 PSP worldwide, 18k employees, free-float >90% with no controlling shareholder.
Luxembourg CSSF + UK FCA-EMI-licensed marketplace payments (2013), 2,500+ platforms (Vinted, Malt, Wallapop), Advent International-owned since 2022.
Paris-based ACPR-licensed pan-European marketplace payment institution (since 2007), €12.4B 2025 volume, 400+ marketplaces.
All 6 alternatives, benchmarked against Braintree.
French payment giant (Worldline SA, Paris-listed WLN), #4 PSP worldwide, 18k employees, free-float >90% with no controlling shareholder.
Luxembourg CSSF + UK FCA-EMI-licensed marketplace payments (2013), 2,500+ platforms (Vinted, Malt, Wallapop), Advent International-owned since 2022.
Paris-based ACPR-licensed pan-European marketplace payment institution (since 2007), €12.4B 2025 volume, 400+ marketplaces.
Amsterdam-based DNB-licensed payments platform: strong European payment methods (iDEAL, SEPA), 250k+ merchants; US-VC-funded cap table.
Dutch publicly-listed payments giant (Euronext Amsterdam), DNB-licensed credit institution + EU/UK/US banking licences; €1.4T processed/yr.
Oslo fintech (Dintero AS): Finanstilsynet-authorised PI and, since 2025, the only Norwegian-owned direct Visa/Mastercard acquirer; checkout for e-com, marketplaces and physical retail.
| Product | Hosting | Sovereignty | Cert. | Pricing | Signals | Open |
|---|---|---|---|---|---|---|
|
Braintree
benchmark · US
|
— |
US-LINKED | SOC 2 no EU framework |
Freemium |
E2E
Public DPA
Sub-processors
Open source
|
|
|
French payment giant (Worldline SA, Paris-listed WLN), #4 PSP worldwide, 18k employees, free-float >90% with no controlling shareholder.
|
PARIS · FR
France
|
SOVEREIGNTY
A single roll-up of ownership and CLOUD Act exposure.
|
ISO/IEC 27001
|
Paid |
Public DPA
Sub-processors
Open source
|
→ |
|
Luxembourg CSSF + UK FCA-EMI-licensed marketplace payments (2013), 2,500+ platforms (Vinted, Malt, Wallapop), Advent International-owned since 2022.
|
—
Luxembourg
|
SOVEREIGNTY
A single roll-up of ownership and CLOUD Act exposure.
|
— | Paid |
Public DPA
Sub-processors
Open source
|
→ |
|
Paris-based ACPR-licensed pan-European marketplace payment institution (since 2007), €12.4B 2025 volume, 400+ marketplaces.
|
PARIS · FR
France
|
SOVEREIGNTY
A single roll-up of ownership and CLOUD Act exposure.
|
— | Paid |
Public DPA
Sub-processors
Open source
|
→ |
|
Amsterdam-based DNB-licensed payments platform: strong European payment methods (iDEAL, SEPA), 250k+ merchants; US-VC-funded cap table.
|
AMSTERDAM · NL
Netherlands
|
SOVEREIGNTY
A single roll-up of ownership and CLOUD Act exposure.
|
— | Paid |
Public DPA
Sub-processors
Open source
|
→ |
|
Dutch publicly-listed payments giant (Euronext Amsterdam), DNB-licensed credit institution + EU/UK/US banking licences; €1.4T processed/yr.
|
AMSTERDAM · NL
Netherlands
|
SOVEREIGNTY
A single roll-up of ownership and CLOUD Act exposure.
|
— | Paid |
Public DPA
Sub-processors
Open source
|
→ |
|
Oslo fintech (Dintero AS): Finanstilsynet-authorised PI and, since 2025, the only Norwegian-owned direct Visa/Mastercard acquirer; checkout for e-com, marketplaces and physical retail.
|
—
Norway
|
SOVEREIGNTY
A single roll-up of ownership and CLOUD Act exposure.
|
— | Paid |
Public DPA
Sub-processors
Open source
|
→ |
Beyond compliance: how these alternatives compare on the capabilities you actually use day to day.
| Feature | Worldline | Mangopay | Lemonway | Mollie | Adyen | Dintero |
|---|---|---|---|---|---|---|
| Card payments | Yes | Yes | Yes | Yes | Yes | Yes |
| SEPA Direct Debit | Yes | Yes | Yes | Yes | Yes | No |
| Buy now, pay later | Yes | Yes | Yes | Yes | Yes | Yes |
| Open banking (A2A) | Yes | Yes | Yes | Yes | Yes | No |
| Recurring / subscriptions | Yes | Yes | Yes | Yes | Yes | Yes |
| Payment links | Yes | Yes | Yes | Yes | ||
| In-person / POS | Yes | No | No | Yes | Yes | Yes |
| Marketplace / split | Yes | Yes | Yes | Yes | Yes | Yes |
Listed for transparency. Every product on this page is benchmarked against this baseline.
Listed for transparency. Every product on this page is benchmarked against this baseline.
US-owned payment gateway, PayPal subsidiary since 2013.
For every product we read the public DPA, sub-processors document, hosting region declaration, and corporate ownership records. Each is timestamped. Signals are editorial, re-verified quarterly. We never accept self-attestation.
Reviewed by the EU Vetted editorial team · Editorial guidelines