Payments across
Europe.
Local pay-ins and payouts across 30 Europe markets, where Open Banking under PSD2 and the UK's own regime give customers a direct bank-account rail alongside cards. One integration, higher acceptance, fast settlement.
How Europe pays
Open Banking is the region's defining rail. Under PSD2, EEA markets clear pay-ins directly from a customer's bank account, authorized inside their own banking app — no card required, no card-not-present risk to underwrite. The UK runs its own Open Banking regime outside the EEA framework, covered on the same integration. Where Open Banking isn't yet live for a market, standard bank transfer carries pay-ins and payouts on the same rails instead.
Cards clear near-universally across the region — Visa and Mastercard are accepted in effectively every Europe market we cover, with Apple Pay and Google Pay layered on top for wallet checkout. Germany, the Netherlands and the UK route on Visa alongside Apple Pay and Google Pay specifically; Mastercard is absent from those three markets, and routing accounts for it automatically rather than surfacing a decline. Poland adds BLIK, the country's dominant real-time payment method, alongside Open Banking and cards.
Expect Open Banking to convert best on larger, considered purchases — the customer already banks online. Cards carry the everyday, recurring, mobile-led volume instead. Settlement follows the local currency: EUR across the eurozone, plus GBP, SEK, NOK, DKK, PLN, HUF, CZK, RON, BGN and ISK, CHF in Liechtenstein. You don't need a local account to receive any of it.
Europe markets
Payouts in Europe
Payouts run on the same rails as pay-ins — Open Banking transfer or standard bank transfer, in the customer's local currency, settling on domestic banking rails rather than a cross-border wire. Where Open Banking doesn't apply to a payout, bank transfer covers it without any change to the integration. A payout to a French account moves the way a French domestic transfer would; there's no intermediary bank and no FX step if you're already settling in EUR.
Onboarding for Europe usually hinges on one question: does the business expect Open Banking to carry most volume, or cards? A subscription business selling to online-banking customers leans Open Banking from day one. A mobile-led storefront leans cards. We ask early, because it changes which acquiring relationships and which risk checks matter most for that account.
Frequently asked
Does Open Banking work in every Europe market you cover?
It's available where the regulatory framework supports it — the EEA under PSD2, and the UK under its own regime. Markets outside that framework clear on bank transfer and cards instead; the difference is handled in routing, not in your integration.
Why isn't Mastercard listed for Germany, the Netherlands and the UK?
Card scheme availability is set per market by the acquiring relationships we hold there. Visa, Apple Pay and Google Pay cover those three markets; Mastercard clears everywhere else in the region.
Can I settle in a single currency across Europe?
No — settlement follows each market's local currency (EUR, GBP, SEK, PLN and others), consistent with how the underlying rails clear. Reconciliation is handled on our side; your integration doesn't change per market.