Lemonway
VERIFIEDParis-based ACPR-licensed pan-European marketplace payment institution (since 2007), €12.4B 2025 volume, 400+ marketplaces.
Why this score?
Lemonway (Paris, founded 2007) is an ACPR-licensed Payment Institution (approval number 16568, licensed since 2012) with European passporting in 29 countries, processing €12.4B annually across 1.4M wallets for 400+ marketplaces (SNCF Connect, Decathlon, Eiffage, ArcelorMittal); the cap table is European (Breega FR + Speedinvest AT + Toscafund UK) and partnership with Société Générale for B2B marketplaces adds further EU banking anchoring — rated 3/5: Lemonway does not publish a standalone DPA; data-processing obligations are embedded within the general T&Cs rather than surfaced as a separately accessible document, meaning EU buyers cannot self-serve the DPA, which under EU Vetted''s rubric caps the score at 3/5 despite strong regulatory standing and a fully European cap table.
- SCORE
- 3.0/5
- CLOUD ACT
- CLOUD ACT EXPOSURE
How exposed customer data is to US authorities under the CLOUD Act.
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None EU operator, no US parent, no US sub-processors of note.
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Minor This listing A transient US sub-processor (CDN, maps); data at rest stays in the EU.
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Material US parent, or a core sub-processor is a US-owned hyperscaler.
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Direct The operator itself is US-incorporated.
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- OWNERSHIP
- OWNERSHIP
Where ultimate control over the operating company sits.
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EU-owned This listing EU-incorporated and EU-controlled; no significant US ownership.
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EU HQ, US-funded EU-headquartered but US venture- or PE-controlled.
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US-owned US-headquartered, or has a US parent company.
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Other Swiss, UK or another non-EU jurisdiction.
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- SUB-PROCS
- — not disclosed
JUMP TO
About Lemonway
Sub-processor map · not disclosed
Frameworks & certifications · none listed
Capability matrix
Pricing & tiers
Public documents
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missingData Processing Addendum (DPA)— missing
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missingSub-processors list— missing
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Open ↗Terms of Servicewww.lemonway.com/en…
Alternatives in this category
Dutch publicly-listed payments giant (Euronext Amsterdam), DNB-licensed credit institution + EU/UK/US banking licences; €1.4T processed/yr.
- EU / adequacy operator
- EU / adequacy hosting
- No US CLOUD Act exposure
- Third-party certification
- Open-source clients
- Public DPA
- Sub-processors disclosed
How exposed customer data is to US authorities under the CLOUD Act.
-
None EU operator, no US parent, no US sub-processors of note.
-
Minor This listing A transient US sub-processor (CDN, maps); data at rest stays in the EU.
-
Material US parent, or a core sub-processor is a US-owned hyperscaler.
-
Direct The operator itself is US-incorporated.
French payment giant (Worldline SA, Paris-listed WLN), #4 PSP worldwide, 18k employees, free-float >90% with no controlling shareholder.
- EU / adequacy operator
- EU / adequacy hosting
- No US CLOUD Act exposure
- Third-party certification
- Open-source clients
- Public DPA
- Sub-processors disclosed
How exposed customer data is to US authorities under the CLOUD Act.
-
None EU operator, no US parent, no US sub-processors of note.
-
Minor This listing A transient US sub-processor (CDN, maps); data at rest stays in the EU.
-
Material US parent, or a core sub-processor is a US-owned hyperscaler.
-
Direct The operator itself is US-incorporated.
Paris-area French BNPL for merchants — 2/3/4/10/12 installments + Pay Later; 21,800+ merchants across 8 EU countries; Alma SAS, EU-owned.
- EU / adequacy operator
- EU / adequacy hosting
- No US CLOUD Act exposure
- Third-party certification
- Open-source clients
- Public DPA
- Sub-processors disclosed
How exposed customer data is to US authorities under the CLOUD Act.
-
None EU operator, no US parent, no US sub-processors of note.
-
Minor A transient US sub-processor (CDN, maps); data at rest stays in the EU.
-
Material This listing US parent, or a core sub-processor is a US-owned hyperscaler.
-
Direct The operator itself is US-incorporated.