Top 5 European Payment Gateways for Small Businesses in 2025

If you run a small business in Europe, offering flexible, secure, and fast online payments is essential for customer trust and growth. In 2025, the market now features payment gateways that are tailor-made for local needs, small budgets, and easy setup—so you can start selling and accepting money with zero headaches.

I’m Riten, founder of Fueler, a platform built to help you turn completed assignments into real job opportunities and trust signals. In this guide, I’ll break down the best payment gateways for small business owners throughout Europe, highlighting local advantages, simple integration, and value for money.

Why the Right Payment Gateway Fuels Small Business Growth

For small businesses, the ideal payment gateway goes beyond processing payments. It must offer instant setup, strong security, customer support in your language, and must not eat up your profits with endless hidden fees. Consider how it will work with your website, apps, or in-store systems.

• Hassle-free onboarding with no complex paperwork
• Low or no monthly fees to help manage cash flow
• Local payment method support to boost conversion rates
• Simple dashboards to track sales, fees, and customer insights

1. Mollie

Mollie is a top choice for small businesses in Europe thanks to its quick setup, easy pricing, and support for the most popular local payment options even if you run a tiny shop or start-up.

• Plug-and-play integration with major website builders and online shops
• No monthly fees, only pay per transaction—transparent rates
• Accepts credit/debit cards, iDEAL, Bancontact, Apple Pay, PayPal, Klarna, and more
• User-friendly dashboard for real-time insights and settlements

Pricing: Starts at €0.29 per EU transaction, variable for other payments

Why it matters: Mollie simplifies payments for even the smallest brands, helping you compete with bigger players using the same trusted options.

2. Stripe

Stripe’s developer tools, easy interface, and affordable transaction fees make it a favorite among European startups and growing small businesses. Its simple pricing and customization help you launch new products quickly.

• Quick sign-up, no monthly fees or hidden costs
• Supports 135+ currencies, credit cards, and mobile wallets
• Automatically handles recurring billing, subscriptions, and invoices
• Offers fraud protection and mobile optimization

Pricing: 1.4% + €0.25 for EU cards, 2.9% + €0.25 for international cards

Why it matters: Stripe’s smooth setup and wide payment options put powerful e-commerce tools in the hands of small business owners from day one.

3. SecurionPay

SecurionPay is perfect for small European businesses wanting easy compliance, strong security, and a clear fee structure. It’s designed around EU laws and user experience.

• Fast onboarding with simple integration
• EU regulation compliance, PSD2, SCA-ready
• Accepts 160 currencies, 24 settlement options, 23 languages
• Flexible recurring and one-click payments

Pricing: Around 2.95% + €0.25 per transaction, no monthly charges

Why it matters: SecurionPay offers peace of mind on payments, security, and compliance—vital for small businesses looking to grow online without complications.

4. PayPal

PayPal delivers brand recognition, quick setup, and multi-currency support, making it perfect for small shops selling digital products, services, or international goods.

• Accepts cards, PayPal account, and local e-wallets
• Buyer and seller protection, strong security and anti-fraud controls
• Easy to use with dozens of integrations for e-commerce
• Enables invoicing and subscriptions out of the box

Pricing: Usually 2.9% + €0.35 per transaction

Why it matters: Adding PayPal to your checkout unlocks instant credibility and convenience for both local and international customers.

5. Worldpay

Worldpay combines strong local presence with extensive international payments support, giving small retailers and service providers trusted ways to accept money in-store and online.

• Accepts cards, wallets, bank transfers, and direct payments
• Secure, PCI-compliant, with built-in anti-fraud technology
• Customizable online, mobile, and POS solutions
• In-depth reporting and analytics tools

Pricing: Custom, often starts around 1.5% + fixed amount per transaction

Why it matters: Worldpay’s established network and flexibility support local businesses as they grow from small shops to wider markets.

Final Thought

European businesses in 2025 have outstanding payment gateway choices, whether you’re launching a small shop or scaling a regional brand. The right gateway will save you money, reduce friction, and make your customers trust you every step of the way. Always test your options, review support, and pick the one that helps you reach more buyers without stress or surprise charges.

Frequently Asked Questions

1. Which payment gateway is easiest for small European businesses to set up?

Mollie and PayPal both offer fast, easy onboarding with no need for complex technical skills or contracts.

2. Can I use more than one payment gateway at the same time?

Yes, combining gateways like Stripe and PayPal helps reach more customers and provides backup if one goes down.

3. Are there payment gateways in Europe with no monthly fees?

Mollie, Stripe, SecurionPay, and PayPal have no fixed monthly charges, charging only per transaction.

4. What are the safest payment gateways for European ecommerce?

Stripe, SecurionPay, and Adyen provide strong encryption, anti-fraud protections, and strict compliance with EU regulations.

5. Which gateways support recurring or subscription payments?

Stripe, Adyen, SecurionPay, and Worldpay all have simple tools for recurring billing, making them ideal for SaaS or subscription-based businesses.

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