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Sell · ranked by value score

Payments

Acquiring, terminals, QR pay-at-table and online payments. Fees vary with card mix, volume and country; European acquirers increasingly support local schemes and the Wero wallet.

What to look for
  • Blended vs interchange++ pricing
  • Local payment methods (Bancontact, iDEAL, Bizum, meal vouchers)
  • Settlement speed and payout fees
  • Terminal integration with your POS
  1. 1
    SatispayEstablishedCategory leader
    Account-to-account mobile payment network from Italy
    Best for Italian shops and restaurants as a low-fee complement to card acceptance with useful cashback campaigns; of limited relevance outside Italy and Luxembourg for now.
    Italy, Milanfounded 2013from 1% per transaction
    Deployment10Ease of use9Innovation8Price & terms8
    Market penetration7.5
    Adoption9Integration6
    8.6
    value score / 10
  2. 2
    MollieEstablished
    Simple online and in-person payments for European SMEs
    Best for European SMEs, especially in the Benelux, Germany and France, that sell online first and want quick self-serve payments with terminals as an add-on.
    Netherlands, Amsterdamfounded 2004from 1.8% + €0.25
    Deployment10Ease of use9Innovation6Price & terms8
    Market penetration9.0
    Adoption9Integration9
    7.8
    value score / 10
  3. 3
    TackPayRisingUnder the radar
    Digital tip jar via QR or NFC, distributed to staff outside the till
    Best for cafés, bars and salons in Italy and Spain that want to accept cashless tips today without touching their POS or terminal.
    Italy, Genoafounded 2019free tier
    Deployment10Ease of use9Innovation6Price & terms8
    Market penetration4.0
    Adoption4Integration4
    7.8
    value score / 10
  4. 4
    SundayRisingMost innovative
    QR code pay-at-table, tips and reviews for restaurants
    Best for full-service restaurants with a compatible POS that want faster table turns, higher tips and Google reviews captured at payment, and can accept quote-based pricing in Europe.
    France, Parisfounded 2021pricing on quote
    Deployment5Ease of use8Innovation10Price & terms5
    Market penetration7.0
    Adoption7Integration7
    7.6
    value score / 10
  5. 5
    Viva.comEstablished
    Bank-licensed card acquiring with Tap-to-Pay across Europe
    Best for small merchants and hospitality venues that trade in one of Viva's 24 European countries and value tap-on-phone acceptance and same-day access to funds.
    Greece, Athensfounded 2000from 1.69% per transaction
    Deployment9Ease of use8Innovation7Price & terms6
    Market penetration7.5
    Adoption8Integration7
    7.4
    value score / 10
  6. 6
    StancerRisingUnder the radar
    Low-fee card terminals and online payments from the Iliad group
    Best for small French merchants with steady card volume who want the lowest published rates and no contract, and do not need Amex or meal-voucher acceptance.
    France, Parisfounded 2018from 0.7% + €0.07
    Deployment9Ease of use9Innovation5Price & terms9
    Market penetration4.5
    Adoption4Integration5
    7.4
    value score / 10
  7. 7
    TapayaRisingUnder the radar
    Tap-to-pay software that turns any phone, tablet or kiosk into a card terminal
    Best for micro-merchants and pop-ups in Central Europe that want to accept cards on a phone with no hardware, and for software vendors that want to embed in-person payments.
    Czechia, Praguefounded 2025from 1.39% per transaction
    Deployment10Ease of use9Innovation5Price & terms8
    Market penetration4.5
    Adoption2Integration7
    7.4
    value score / 10
  8. 8
    YavinRising
    Android payment terminals that run your POS apps
    Best for French and Belgian restaurants and shops that want a no-commitment rental terminal that runs their existing POS software on the device.
    France, Parisfounded 2019from €29/month
    Deployment7Ease of use8Innovation7Price & terms6
    Market penetration7.5
    Adoption7Integration8
    7.0
    value score / 10
  9. 9
    Payconiq by BancontactEstablished
    Belgium's national card and QR payment scheme
    Best for any merchant selling in Belgium, where Bancontact and Payconiq acceptance is effectively a requirement.
    Belgium, Brusselsfounded 2018pricing on quote
    Deployment8Ease of use9Innovation6Price & terms6
    Market penetration9.0
    Adoption9Integration9
    7.0
    value score / 10
  10. 10
    ReceiptHeroRisingUnder the radar
    Card-linked digital receipts sent automatically to banking and expense apps
    Best for shops and restaurant groups on Worldline, Payone or Adyen terminals that want to drop paper receipts without changing checkout behaviour.
    Finland, Tamperefounded 2018pricing on quote
    Deployment5Ease of use8Innovation8Price & terms5
    Market penetration6.0
    Adoption4Integration8
    6.8
    value score / 10
  11. 11
    QerkoRising
    QR pay-at-table, ordering and loyalty with its own payment licence
    Best for restaurants in the Czech Republic, Slovakia and Hungary that want pay-at-table with automatic POS closing and access to an existing base of 1.5 million app users.
    Czechia, Praguefounded 2019pricing on quote
    Deployment6Ease of use8Innovation7Price & terms6
    Market penetration6.0
    Adoption5Integration7
    6.8
    value score / 10
  12. 12
    MonizzeEstablished
    Digital meal and gift vouchers accepted in 45,000 shops
    Best for Belgian restaurants, supermarkets and food shops that want to capture the guaranteed spend of 800,000+ meal-voucher holders.
    Belgium, Brusselsfounded 2011pricing on quote
    Deployment8Ease of use9Innovation6Price & terms5
    Market penetration7.5
    Adoption8Integration7
    6.8
    value score / 10
  13. 13
    PayplugEstablished
    French omnichannel card payments backed by BPCE
    Best for French independent retailers and e-merchants that want a bank-backed provider with published pricing and native PrestaShop or WooCommerce modules.
    France, Parisfounded 2012from €10/month + 1.5% + €0.25
    Deployment9Ease of use8Innovation5Price & terms7
    Market penetration7.0
    Adoption7Integration7
    6.8
    value score / 10
  14. 14
    AdyenEstablished
    Unified commerce payments for chains and enterprises
    Best for restaurant and retail chains operating in several countries that have technical resources and want one acquirer for online and in-person payments; too heavy for a single shop.
    Netherlands, Amsterdamfounded 2006from €0.11 + Interchange++
    Deployment3Ease of use4Innovation8Price & terms4
    Market penetration10.0
    Adoption10Integration10
    5.4
    value score / 10
  15. 15
    anyKrowdRisingUnder the radar
    Cashless wallets, ticketing and CRM for venues
    Best for clubs, festivals and event venues that want cashless bars plus first-party customer data.
    Belgium, Brusselsfounded 2022pricing on quote
    Deployment5Ease of use7Innovation6Price & terms3
    Market penetration2.5
    Adoption2Integration3
    5.4
    value score / 10
  16. 16
    UnzerEstablished
    German full-stack payment provider for online and in-store
    Best for DACH retailers on Shopware, Shopify or Magento that want online, BNPL and in-store payments from one German provider and are willing to negotiate a quote.
    Germany, Berlinfounded 2003pricing on quote
    Deployment5Ease of use6Innovation5Price & terms4
    Market penetration8.0
    Adoption8Integration8
    5.0
    value score / 10
Also relevant · filed primarily in another category
SolutionStatusHQFoundedFromValueMarketInnov.
Superb
Free POS plus reservations, paid through card fees · primarily Point of sale
 Rising DKCopenhagen 2017 Free 7.2 4.5 6/10
ready2order
Cloud POS for small businesses in Austria and Germany · primarily Point of sale
 Established ATVienna 2015 €35.90/month 7.2 6.0 5/10
Tuker
QR-code tipping with automatic tip pooling for teams · primarily Team scheduling & HR
 Rising EETallinn 2020 Free 7.2 3.0 5/10
orderbird
iPad and handheld POS for independent hospitality in DACH · primarily Point of sale
 Established DEBerlin 2010 €29/month 6.6 7.0 5/10
Tabesto
Self-ordering kiosks and QR ordering for fast food · primarily Self-ordering & kiosks
 Established FRParis 2015 €179/month 6.0 7.0 6/10
L'Addition
iPad POS for French cafés, bars and restaurants · primarily Point of sale
 Established FRBordeaux 2012 On quote 6.0 7.5 5/10
Dotykačka
Android POS for Central European restaurants and shops · primarily Point of sale
 Established CZPrague 2014 On quote 5.8 7.0 5/10
Ingenico
Payment terminals (Axium, Lane, Desk) used by banks and merchants worldwide · primarily Hardware & terminals
 Established FRSuresnes 1980 On quote 5.6 9.0 6/10
Cashlogy by Azkoyen
Automated cash recyclers for the checkout · primarily Hardware & terminals
 Established ESPeralta 1945 On quote 4.8 6.5 5/10
Head-to-head
Satispay vs MollieSatispay vs TackPay

Questions merchants ask about European payments solutions

What is the best European payments solution for an independent restaurant or shop?

On the value score, which weighs deployment simplicity, ease of use, innovation (counted double) and price and terms, the top three EU-headquartered solutions are Satispay (Italy, value score 8.6), Mollie (Netherlands, value score 7.8) and TackPay (Italy, value score 7.8). Best for Italian shops and restaurants as a low-fee complement to card acceptance with useful cashback campaigns; of limited relevance outside Italy and Luxembourg for now.

Which European payments solutions are the most widely used?

By market penetration, which combines adoption and integrations, the most established are Adyen (Netherlands, market penetration 10.0), Mollie (Netherlands, market penetration 9.0) and Payconiq by Bancontact (Belgium, market penetration 9.0). Market penetration is shown on every card but does not decide the ranking.

Which payments solution is the most innovative in Europe?

Sunday (France) has the highest innovation score in this category, 10 out of 10. Defined QR pay-at-table in Europe (scan, split, tip, pay and leave a review) and now layers AI tools for tips, menus and reconciliation on top.

What should I check before choosing a payments solution?

Blended vs interchange++ pricing; Local payment methods (Bancontact, iDEAL, Bizum, meal vouchers); Settlement speed and payout fees; Terminal integration with your POS. Acquiring, terminals, QR pay-at-table and online payments. Fees vary with card mix, volume and country; European acquirers increasingly support local schemes and the Wero wallet.

Ranking computed by AI (Claude) from customer reviews, comparators, trade associations and the news · editorial responsibility Camille POTVIN · reviewed 23 Sep 2026 · how this page is made