6 Best European Braintree Alternatives in 2026

Adyen is a global payments platform built for enterprises that need unified payment acceptance, data intelligence, and embedded financial products under one roof. Processing over €1.4 trillion annually with 99.999% uptime, it connects merchants to every payment method and market through a single integration.

The platform unifies in-store, online, and mobile payments with card issuing, payout capabilities, and risk management in a single API. 150+ currencies and 200+ local payment methods are available natively, with no third-party aggregators needed, making Adyen the infrastructure layer for the world's leading businesses.

Key benefits:

• Unified payment platform covering online, in-store, and mobile in one integration
• 200+ local payment methods including cards, digital wallets, and bank transfers
• Card issuing for embedded financial products under your own brand
• Fraud and risk management with real-time scoring and authentication tools
• Data and analytics for cross-channel payment performance insights
• Global settlements across 150+ currencies with automated reconciliation

Adyen is headquartered in Amsterdam, Netherlands, founded in 2006, and holds EU, UK, and US banking licences. Listed on Euronext Amsterdam and subject to Dutch and EU financial regulation, it processes payments from European data centres with full GDPR compliance.

Mollie is a European payment service provider making it straightforward for businesses of every size to accept payments online and in person. It consolidates cards, SEPA transfers, iDEAL, PayPal, and dozens of local European methods behind a single clean API. Pricing is transparent and per-transaction, with no hidden fees.

Beyond standard checkout, Mollie supports subscription and recurring billing, payment links, embeddable invoicing, and Tap to Pay on iPhone. Over 250,000 businesses use Mollie's unified dashboard to manage transactions, reconcile accounting, and access embedded financing through Mollie Capital.

Key benefits:

• 30+ payment methods including iDEAL, SEPA, Bancontact, and international cards
• Recurring billing for subscriptions and usage-based charging
• Payment links and invoicing for quick, no-checkout payment collection
• Fraud prevention with acceptance optimisation built in
• Embedded financing through Mollie Capital for eligible merchants
• Unified dashboard for transactions, insights, and accounting reconciliation

Mollie is headquartered in Amsterdam, Netherlands, founded in 2004, and regulated as a licensed Payment Institution under Dutch and EU financial law. It operates under GDPR and stores data within EU infrastructure, giving European merchants full compliance without extra configuration.

Payplug is a French payment gateway trusted by 18,000+ merchants for online and in-store payment acceptance across France and Europe. With native connectivity to Cartes Bancaires through parent company Groupe BPCE, it delivers 92.5% average net acceptance rates that international processors struggle to match on French card schemes.

The platform processes over €10.9 billion annually and provides a unified Cockpit dashboard for managing financial flows, fraud prevention, and omnichannel commerce. Its 3D Secure 2 implementation achieves 83% frictionless authentication across issuers, which reduces cart abandonment while maintaining PSD2 compliance.

Key benefits:

• Cartes Bancaires native support via Groupe BPCE for superior French card acceptance
• 92.5% net acceptance rate across the merchant base
• Unified Cockpit dashboard centralising online and in-store financial flows
• Frictionless 3DS2 achieving 83% passwordless authentication
• Fraud prevention with adaptive scoring and chargeback management
• Omnichannel integration across e-commerce, in-store, and mobile channels

Payplug is headquartered in Paris, France, and is a subsidiary of Groupe BPCE, one of France's two largest banking groups. All payment data is processed under French and EU financial regulation with GDPR-compliant infrastructure and dedicated French customer support.

Mangopay is a wallet-based payment infrastructure purpose-built for marketplaces, platforms, and crowdfunding. It provides multi-currency wallets, global payouts, and embedded payment flows that let you control, split, and settle money across every party in a transaction.

Built around unlimited virtual wallets assignable to any user or entity, Mangopay handles the full money lifecycle, from payment acceptance via any acquirer to virtual IBANs and local settlement. KYC/KYB identity verification across 170+ countries and AI-powered fraud detection are included out of the box.

Key benefits:

• Multi-party payment splits automate complex distribution across vendors, platforms, and subaccounts
• Virtual IBANs enable faster local settlement and simplified reconciliation
• FX management handles cross-border money movement across multiple currencies
• KYC/KYB automation verifies users and businesses across 170+ countries
• AI fraud detection monitors transactions in real time to reduce chargebacks
• Global payout network distributes funds to recipients worldwide

Mangopay is an EU-licensed and regulated Electronic Money Institution (EMI) registered with the European Banking Authority, headquartered in Luxembourg. It operates under EU financial regulations and GDPR, making it a trusted foundation for European platforms handling complex payment flows.

Unzer is a German payment platform unifying online, mobile, and point-of-sale payment acceptance for European businesses. Born from the merger of 13 specialised payment companies and originally founded as Heidelpay in 2003, it offers the UnzerOne modular platform, a single integration covering cards, digital wallets, alternative methods, and Buy Now Pay Later across all channels.

UnzerOne accepts payments via a unified API serving web checkouts, native mobile apps, and POS hardware terminals from the same integration point. Recurring payment flows are natively supported for subscriptions, with transaction management tools and analytics available through a centralised merchant dashboard.

Key benefits:

• UnzerOne unified platform covering online, mobile, and POS from one API
• Cards, wallets, and BNPL across all supported payment methods
• POS hardware terminals with NFC and EMV card support
• Recurring payments and subscription billing built in
• Centralised merchant dashboard for transaction management and analytics
• Multi-country support across Germany, Austria, Denmark, and Luxembourg

Unzer is headquartered in Berlin, Germany, with offices in Austria, Denmark, and Luxembourg, and is licensed as a payment institution under BaFin. Operating since 2003, it serves European merchants under PCI DSS, PSD2, and GDPR compliance with all data centres located in the EU.

Checkout.com is a global end-to-end payment services provider processing transactions for enterprise merchants across 150+ currencies and a broad range of local payment methods. Its Unified Payments API covers online acceptance, payout disbursement, card issuing, fraud detection, and identity verification, replacing a fragmented stack with a single integration.

The Intelligent Acceptance module applies machine learning to maximise transaction approval rates in real time, while Flow provides customisable checkout UI blocks optimised across devices. Risk management and 3D Secure authentication operate simultaneously, reducing both fraud and friction at checkout.

Key benefits:

• Unified Payments API for acceptance, payouts, issuing, and verification
• Intelligent Acceptance for AI-driven optimisation of transaction approval rates
• Custom Flow checkout blocks for branded, conversion-optimised UIs
• Fraud detection and 3DS authentication in a single integrated layer
• Card issuing and payouts for embedded financial product use cases
• 150+ processing currencies with global local payment method coverage

Checkout.com is headquartered in London, UK, with offices across 19 global locations, and was named a Leader in the Forrester Wave for Merchant Payment Providers (Q1 2026). European merchant data is processed in compliant infrastructure across its global data centre network.