7 Best Payment Gateways Available in Europe for 2025

Looking to grow your online business in Europe and searching for the most reliable payment gateways? The right payment solution can make or break your customer experience, boost conversions, and ensure every transaction is smooth, secure, and trusted. In 2025, the European payment landscape has evolved rapidly, offering a mix of local and global gateways built to help you accept payments with ease.

I’m Riten, founder of Fueler, a platform helping professionals get real career opportunities by showcasing completed assignments and work samples. In this article, I’ll walk you through the leading payment gateways available in Europe this year, breaking down what makes each one a smart choice. Just as a strong portfolio builds credibility, choosing the best payment gateway is critical to building customer trust and maximizing your business potential online.

Why Reliable Payment Gateways Matter for European Businesses

Every transaction impacts your bottom line, reputation, and customer loyalty. A payment gateway should do more than just process money it must support local and international methods, work seamlessly on any device, and ensure PCI-compliance for security. Modern businesses need fast settlements, intuitive integration, and flexible support for different currencies and settlement needs.

• Accepts a wide range of cards, wallets, and bank transfer options
• Supports strong customer authentication for security compliance
• Integrates with e-commerce, accounting, and business tools
• Offers transparent pricing and responsive support

Why it matters: Choosing the right payment gateway directly influences checkout conversion rates, customer satisfaction, and how efficiently you handle money flow in your business.

1. Stripe

Stripe continues to be a market leader in 2025, offering reliable, fast, and developer-friendly payment solutions optimized for all business sizes. Stripe is famous for great APIs, easy onboarding, and the ability to accept payments from customers in almost every European country.

• Supports over 135 currencies and all major global/local payment methods
• Powerful dashboard for analytics and real-time reporting
• Built-in fraud prevention, subscription management, and invoicing tools
• Integrates with countless business apps, e-commerce, and SaaS platforms

Pricing: 1.4% + €0.25 for European cards per transaction, 2.9% + €0.25 for non-European cards, no monthly fees

Why it matters: Stripe’s versatility and ease of use allow European businesses to launch quickly, scale across borders, and innovate payment experiences without technical barriers.

2. Adyen

Adyen is loved by large European retailers and fast-growing merchants for its unified payment platform, robust reporting, and unrivaled global reach. Its Dutch roots mean strong local coverage, but its global connections make it ideal for brands selling across borders.

• Accepts credit and debit cards, PayPal, wallets, local EU methods (iDEAL, Bancontact), and BNPL (Klarna)
• Real-time analytics, fraud protection, and highly customizable checkout flows
• Support for recurring billing, mobile wallets, and cross-platform payments
• PCI-DSS compliant with best-in-class data security

Pricing: Varies based on payment method and country. Generally starts at 1.4% + €0.10 for European cards, with additional fees for alternative methods and services

Why it matters: Adyen’s deep local support, strong analytics, and flexible integration make it a go-to solution for European businesses looking for scalability and compliance.

3. Mollie

Mollie stands out as a European-first payment gateway that supports nearly every popular EU payment method. It’s famous for its easy plug-and-play setup, transparency, and a smooth customer checkout experience ideal for small to mid-sized ecommerce businesses.

• Accepts local cards, iDEAL (Netherlands), Bancontact (Belgium), Sofort (Germany), Giropay, Apple Pay, PayPal, Klarna, and more
• Simple API and plugins for Shopify, WooCommerce, Magento, and more
• No hidden fees, no lock-in contracts, and clear transaction rates
• Multi-currency support, including 11 settlement currencies

Pricing: Starts at €0.29 per transaction for most EU payments, no monthly fees

Why it matters: Mollie’s focus on European markets, local payment options, and transparent pricing delivers confidence and flexibility to scaling brands.

4. Worldpay

Worldpay remains one of Europe’s most recognized payment brands in 2025, serving everyone from startups to multinational retailers. Its reliability and coverage help businesses accept payments worldwide while supporting many local European payment types.

• Handles credit/debit cards, bank transfer, mobile wallets, and subscription billing
• Local and international coverage, strong anti-fraud systems
• POS, online, and mobile integration support
• Detailed reports and customizable payment flows

Pricing: Custom pricing, usually starting from 1.5% + fixed fee per transaction, with tailored quotes for larger clients

Why it matters: Worldpay’s heritage and wide acceptance across sectors give businesses peace of mind for handling large volumes and multiple currencies.

5. PayPal

PayPal still dominates as a trusted online payment method across Europe and the world. With instant brand recognition and consumer trust, it excels at boosting online checkout rates, especially for international customers.

• Lets customers pay by card, PayPal balance, or local EU wallets
• Simple integration for e-commerce, mobile, and invoice payments
• Strong buyer/seller protection, fraud management, and chargeback support
• Offers one-touch checkout and recurring payments for subscriptions

Pricing: 2.9% + €0.35 per transaction for EU payments; pricing may differ by country and payment type

Why it matters: Integrating PayPal is an easy win for any European merchant wanting to increase conversions, attract international buyers, and profit from a global payments network.

6. SecurionPay

SecurionPay is tailored for European merchants, boasting full compliance with EU regulations and a focus on innovative checkout experiences. It supports a huge range of cards and payment models across borders, including recurring and one-click payments.

• Full EU regulatory compliance, supporting PSD2/SCA standards
• 160 currencies and 24 settlement currencies, plus support for 23 languages
• Secure credit card payments, mixed models, and flexible checkouts
• Strong security and local support

Pricing: From 2.95% + €0.25 per transaction, no monthly fees

Why it matters: SecurionPay’s true European focus and regulatory compliance make it a strong option for merchants wanting cross-border reach and modern security.

7. Checkout.com

Checkout.com is a fast-rising global gateway with a big European presence, favored by high-growth ecommerce brands and marketplaces. Its all-in-one platform bundles merchant accounts, payment gateways, and a customizable API.

• Accepts 159+ countries’ payments, all major cards, SEPA, Giropay, iDEAL, Sofort, Klarna, and more
• Powerful anti-fraud tools, modular integration for custom experiences
• Real-time data analytics for tracking performance
• PCI DSS Level 1 security across all payment types

Pricing: Custom, typically begins around 1.5% + €0.20 per transaction, volume discounts available

Why it matters: Checkout.com’s blend of customization, analytics, and wide coverage provides businesses with a robust backbone for modern e-commerce across Europe and beyond.

Now, a Strategic Tip: Build Your Business Credibility

When pitching to investors, partners, or applying for a business loan, the payment gateway you use and how you showcase business data can make a difference. On Fueler, you can document real-world assignments like “Set up Stripe and Mollie for multi-currency store” or “Increased conversions 18% using local payment integrations” to set yourself apart and prove impact instantly.

Final Thought

The best payment gateway for your business will depend on your needs: international reach, local payment support, ease of integration, or advanced analytics. In 2025, European businesses benefit most from solutions that balance speed, security, flexibility, and cost transparency. Research each gateway, test their support, and choose the one that helps you build trust and scale, no matter what industry you’re in.

Frequently Asked Questions

1. Which payment gateway is the cheapest for European startups?

Mollie and SecurionPay often offer affordable, no-monthly-fee structures perfect for new businesses, especially those selling primarily within Europe.

2. What is the most flexible payment gateway for cross-border EU payments?

Adyen and Stripe both offer multi-currency, multi-country support with robust fraud protection and strong integration options.

3. Do these gateways support local EU methods like iDEAL and Bancontact?

Yes, gateways like Mollie, Adyen, Checkout.com, and Worldpay all support major local options including iDEAL, Bancontact, SOFORT, SEPA transfer, and more.

4. What should small businesses look for in a payment gateway?

Focus on transparent fees, easy onboarding, plug-and-play integrations, strong local payment support, and accessible customer service.

5. Can I integrate these gateways with popular ecommerce platforms?

Absolutely. All top gateways in this list—Stripe, Adyen, Mollie, PayPal, and more offer plugins and APIs for Shopify, WooCommerce, Magento, PrestaShop, and custom stores.

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