Accept payments online
Take card and local payments at e-commerce checkout. Below is the product stack you need, with verified European providers for each layer - compare by EEA data residency, licence and regulator.
How the stack fits together
Online acceptance starts with one acquiring PSP and grows outward: a second acquirer for resilience and approval rates, orchestration to route between them, and local methods where cards underperform. In Europe the local layer matters more than elsewhere - iDEAL, BLIK, Bancontact and Bizum dominate their home markets and settle without card-scheme fees.
Step 1 — Payment gateway / acquiring required
Accept and route card payments at checkout.
What to check: Compare blended against interchange-plus pricing, settlement speed, and which local methods come without a separate contract.
In the catalogue — Payment gateway: 95 live providers, 63 with data in the EEA; 12 publishing an entry price.
Browse all: Payment gateway
Step 2 — Route across multiple PSPs optional
If you use several acquirers, orchestration improves approval rates and resilience.
What to check: Ask how routing rules and vaulted cards stay portable if you drop a PSP - portability is the whole point of orchestration.
- Aevi EU core Germany
- CellPoint Digital EU core Denmark
- Dinape EU core Austria
In the catalogue — Payment orchestration: 16 live providers, 9 with data in the EEA; 7 EU-core, 2 US-controlled.
Browse all: Payment orchestration
Step 3 — Add local and A2A methods optional
Local methods (iDEAL, BLIK, Wero, pay-by-bank) convert better and can bypass card fees.
What to check: Check which domestic schemes are connected directly rather than through another PSP, and how refunds work on account-to-account payments.
In the catalogue — Local payment schemes: 37 live providers, 27 with data in the EEA; 29 usable at online checkout, 16 in store. Open banking: 38 live providers, 25 with data in the EEA; 26 documenting payment initiation, 4 variable recurring payments.
Browse all: Local payment schemes · Open banking
Sovereignty notes
- Choose a European PSP; adding sovereign A2A rails (BLIK/iDEAL/Wero) lets you bypass Visa/Mastercard for part of your volume.