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Independently verified · Quarterly re-audit
EU VETTED

Lemonway

VERIFIED
Payments · France
Founded 2007 · lemonway.com ↗

Paris-based ACPR-licensed pan-European marketplace payment institution (since 2007), €12.4B 2025 volume, 400+ marketplaces.

In short

Lemonway, in the Payments category, is a European service with France as its hosting location and at most minor, transient US exposure under the CLOUD Act.

Assessment notes

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 fully European (Breega FR + Speedinvest AT + Toscafund UK) and the partnership with Société Générale for B2B marketplaces adds further EU banking anchoring: ownership_signal: eu_owned, cloud_act_exposure: minor; however Lemonway does not publish a standalone DPA (data-processing obligations are embedded within the general T&Cs) meaning EU buyers cannot self-serve the DPA artefact, and the hosting provider is not publicly disclosed.

CLOUD ACT
OWNERSHIP
SUB-PROCS
not disclosed
Verified signals
Jurisdiction
  • EU / adequacy hosting
  • EU / adequacy operator
  • No US CLOUD Act exposure
Transparency
  • Public DPA
  • Sub-processors disclosed
  • Open-source clients
  • Third-party certification
JUMP TO
OVERVIEW

About Lemonway

Lemonway is a Paris-headquartered marketplace-payments specialist founded in 2007 by Sébastien Burlet and Damien Guermonprez. Operating as a French ACPR-licensed Payment Institution (approval number 16568, since 2012) with European passporting across 29 countries, Lemonway directly competes with Mangopay and Stripe Connect for marketplace-payment infrastructure. The company processes €12.4B annually across 1.4M open wallets and reports 400+ marketplace clients including SNCF Connect & Tech, Decathlon, Eiffage, and ArcelorMittal: a customer list that skews heavily toward large French enterprises and B2B marketplaces. Offices in Paris (HQ) and Hamburg with approximately 145 employees.

For an EU-sovereignty audit Lemonway is the cleanest marketplace-payments listing alongside its competitor Mangopay. The cap table is entirely European: €50M total raised across Breega Capital (Paris VC, lead 2018 €35M), Speedinvest (Vienna VC, 2018 co-lead), and Toscafund (UK asset manager, €25M in 2019), with no US private-equity or venture-capital involvement on record. The ACPR licence anchors the legal jurisdiction firmly in France with all the supervisory teeth of European banking law. A 2024 partnership with Société Générale to support large-corporate B2B marketplaces in Europe adds an EU-bank co-distribution channel. PCI-DSS certified; 99.9%+ API availability. The 2024 acquisition of PayGreen's operations extended Lemonway from pure marketplace payments into broader e-commerce.

Pricing is enterprise / volume-negotiated and marketplace-specific; no public per-transaction tier applies, and starts_from_eur is left null. Best fit: EU marketplaces and B2B platforms requiring ACPR-licensed multi-party payment infrastructure with full EU jurisdiction and no US PE/VC involvement in the ownership chain: particularly French and DACH marketplaces. Two transparency gaps remain: the underlying hosting provider is not publicly disclosed on accessible pages (vendor outreach can confirm whether it's OVHcloud, Scaleway, or similar French infrastructure, typical for ACPR-licensed PIs), and the DPA is embedded in the general T&Cs rather than published as a standalone document.

SUB-PROCESSORS

Sub-processor map · not disclosed

Vendor does not publish a sub-processors list. Schrems II compliance and CLOUD Act exposure cannot be independently verified without it.
CERTIFICATIONS

Frameworks & certifications · none listed

We checked the vendor's website and standard certification body registries. No active certifications found at the time of last audit (2026-05-11).
FEATURES

Capability matrix

Card payments Yes
SEPA Direct Debit Yes
Buy now, pay later Yes
Open banking (A2A) Yes
Recurring / subscriptions Yes
Payment links Yes
In-person / POS No
Marketplace / split Yes
INTEGRATION & ACCESS
REST API Yes
SSO (SAML / OIDC) Yes
COMPLIANCE & GOVERNANCE
Audit log Yes
Self-host / on-prem option No
PRICING

Pricing & tiers

PAID
Custom pricing

Contact vendor for tier or volume pricing.

View pricing page ↗
PUBLIC DOCUMENTS

Public documents

Vendor does not publish a public DPA. Without a publicly accessible Data Processing Addendum, small EU customers cannot self-serve the processor agreement. This is recorded as no public DPA (see How we assess).
Vendor does not publish a sub-processors list. Schrems II compliance and CLOUD Act exposure cannot be independently verified without it.
  • Data Processing Addendum (DPA)
    — missing
    missing
  • Sub-processors list
    — missing
    missing
  • Terms of Service
    www.lemonway.com/en…
    Open ↗
ALTERNATIVES

Alternatives in this category

Adyen
Netherlands · Founded 2006
EU-BASED

Dutch publicly-listed payments giant (Euronext Amsterdam), DNB-licensed credit institution + EU/UK/US banking licences; €1.4T processed/yr.

Public DPA Sub-processors Open source
FROM
CLOUD ACT
MINOR
Alma
France · Founded 2019
EU-HOSTED

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.

Public DPA Sub-processors Open source
FROM
CLOUD ACT
MATERIAL
Dintero
Norway · Founded 2017
EU-BASED

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.

Public DPA Sub-processors Open source
FROM
CLOUD ACT
MINOR