Dutch publicly-listed payments giant (Euronext Amsterdam), DNB-licensed credit institution + EU/UK/US banking licences; €1.4T processed/yr.
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A single roll-up of ownership and CLOUD Act exposure.
Paris-based ACPR-licensed pan-European marketplace payment institution (since 2007), €12.4B 2025 volume, 400+ marketplaces.
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.
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.
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
Where ultimate control over the operating company sits.
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.
Dutch publicly-listed payments giant (Euronext Amsterdam), DNB-licensed credit institution + EU/UK/US banking licences; €1.4T processed/yr.
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.
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.