Direct bank payments are a more cost-effective alternative to credit cards in the EU thanks to the Revised Payment Services Directive (PSD2).
| Payment provider | Country | Notes |
|---|---|---|
| Adyen | 🇳🇱 Nederland | Wide range of payment options online and in-person. Subscription management. Business financing. Card issuing. Payouts. Closest equivalent to Stripe. |
| Klarna | 🇸🇪 Sverige | Bank and credit card payments, 30-day invoice payments, and 6–24 month financing. Subscription management. Business financing. |
| Mollie | 🇳🇱 Nederland | Credit cards online and in-person. Subscription management. Business financing. Payouts. |
| Tink | 🇸🇪 Sverige | Bank payments. Variable recurring payments and subscriptions. Bank data API. Acquired by Visa, but still EU-operated. |
| Trustly | 🇸🇪 Sverige | Bank payments |
| Zaver | 🇸🇪 Sverige | Bank payments, Swish, pay now, buy now pay later, and pay over time |
| Zimpler | 🇸🇪 Sverige | Bank payments |
| Payment provider | Incorporation | EU entity | Notes |
|---|---|---|---|
| GoCardless | 🇬🇧 United Kingdom | 🇫🇷 France | Bank payments. EU market served by GoCardless SAS authorised by ACPR (French supervisory and control authority). It is a subsidiary of GoCardless Ltd, a UK-based company. |
| Service | Incorporation | EU service | Notes |
|---|---|---|---|
| Lago | 🇬🇧 United States | 🇮🇪 Éire | Managed hosting of Lago open source software with paid-only features available in EU-based data centers |
| Provider | Country | Notes |
|---|---|---|
| Nordiska | 🇸🇪 Sverige | API-based lending for facilitating Nordiska-backed services private loans, corporate loans, credit cards, buy now pay later, factoring, leasing, securities financing, savings accounts |
| Provider | Country | Notes |
|---|---|---|
| Quickbit | 🇸🇪 Sverige | Crytocurrency payments settled in euro in 3 days |