Dutch publicly-listed payments giant (Euronext Amsterdam), DNB-licensed credit institution + EU/UK/US banking licences; €1.4T processed/yr.
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- CLOUD ACT
- MINOR
Originally UK, sold by FIS (US) to GTCR (US PE) in 2024. Material US exposure.
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Ordered by feature parity and migration friction, which is weighted higher than feature breadth.
Dutch publicly-listed payments giant (Euronext Amsterdam), DNB-licensed credit institution + EU/UK/US banking licences; €1.4T processed/yr.
French payment giant (Worldline SA, Paris-listed WLN), #4 PSP worldwide, 18k employees, free-float >90% with no controlling shareholder.
Swedish open-banking A2A payment innovator (Trustly Group AB, 2008), $10B annual volume, 33+ markets; Nordic Capital + BlackRock PE owned.
All 9 alternatives, benchmarked against Worldpay.
Dutch publicly-listed payments giant (Euronext Amsterdam), DNB-licensed credit institution + EU/UK/US banking licences; €1.4T processed/yr.
French payment giant (Worldline SA, Paris-listed WLN), #4 PSP worldwide, 18k employees, free-float >90% with no controlling shareholder.
Swedish open-banking A2A payment innovator (Trustly Group AB, 2008), $10B annual volume, 33+ markets; Nordic Capital + BlackRock PE owned.
Paris-based ACPR-licensed pan-European marketplace payment institution (since 2007), €12.4B 2025 volume, 400+ marketplaces.
London-based open-banking A2A real-time payments (Volt Technologies, 2019), FCA EMI, 2,500 banks across 31 territories; US-VC-led.
London-based mPOS fintech (originally Berlin), 4M+ SMBs, heavy US-VC funding (Goldman Sachs led €1.5B 2024); €15B IPO in prep.
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.
Amsterdam-based DNB-licensed payments platform: strong European payment methods (iDEAL, SEPA), 250k+ merchants; US-VC-funded cap table.
London-based UK direct-debit and recurring-payments specialist (FCA-authorised); Mollie acquisition announced Dec 2025.
| Product | Hosting | Sovereignty | Cert. | Pricing | Signals | Open |
|---|---|---|---|---|---|---|
|
Worldpay
benchmark · US
|
— |
US-LINKED | SOC 2 no EU framework |
Freemium |
E2E
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
|
→ |
|
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
|
→ |
|
Swedish open-banking A2A payment innovator (Trustly Group AB, 2008), $10B annual volume, 33+ markets; Nordic Capital + BlackRock PE owned.
|
STOCKHOLM · SE
Sweden
|
SOVEREIGNTY
A single roll-up of ownership and CLOUD Act exposure.
|
ISO/IEC 27001
SOC 2
|
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
|
→ |
|
London-based open-banking A2A real-time payments (Volt Technologies, 2019), FCA EMI, 2,500 banks across 31 territories; US-VC-led.
|
—
United Kingdom
|
SOVEREIGNTY
A single roll-up of ownership and CLOUD Act exposure.
|
— | Paid |
Public DPA
Sub-processors
Open source
|
→ |
|
London-based mPOS fintech (originally Berlin), 4M+ SMBs, heavy US-VC funding (Goldman Sachs led €1.5B 2024); €15B IPO in prep.
|
—
United Kingdom
|
SOVEREIGNTY
A single roll-up of ownership and CLOUD Act exposure.
|
— |
Paid
€0 /mo
|
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
|
→ |
|
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
|
→ |
|
London-based UK direct-debit and recurring-payments specialist (FCA-authorised); Mollie acquisition announced Dec 2025.
|
—
United Kingdom
|
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 | Adyen | Worldline | Trustly | Lemonway | Volt | SumUp | Dintero | Mollie | GoCardless |
|---|---|---|---|---|---|---|---|---|---|
| Card payments | Yes | Yes | No | Yes | No | Yes | Yes | Yes | No |
| SEPA Direct Debit | Yes | Yes | No | Yes | No | No | No | Yes | Yes |
| Buy now, pay later | Yes | Yes | No | Yes | No | No | Yes | Yes | No |
| Open banking (A2A) | Yes | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Recurring / subscriptions | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes |
| Payment links | Yes | No | Yes | No | Yes | Yes | Yes | Yes | |
| In-person / POS | Yes | Yes | No | No | No | Yes | Yes | Yes | No |
| Marketplace / split | Yes | Yes | No | Yes | No | No | Yes | Yes | No |
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.
Originally UK, sold by FIS (US) to GTCR (US PE) in 2024. Material US exposure.
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