# Billie alternatives — Payment

As of 3 Nov 2026, the panel rates [Adyen (3/5)](https://whats-best.ai/software/payment/adyen), [Mollie (3/5)](https://whats-best.ai/software/payment/mollie) and [Novalnet (3/5)](https://whats-best.ai/software/payment/novalnet) highest among the other 35 Payment products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is [Adyen](https://whats-best.ai/software/payment/adyen) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering).

- Canonical page: https://whats-best.ai/software/payment/billie/alternatives
- Billie: https://whats-best.ai/software/payment/billie.md
- Data as of: 2026-11-03

**AI-generated.** Ratings and verdicts are the opinion of a panel of AI judges, formed from public evidence against a published rubric — an analysis, not a hands-on test. Listed by panel rating (products the panel could not rate follow alphabetically); no placement is for sale. How lists are ordered: https://whats-best.ai/methodology#ordering

## European alternatives to Billie

- [Adyen](https://whats-best.ai/software/payment/adyen) · EU-Made · panel rating 3/5 · data hosting: not stated on the vendor’s pages
  Adyen's evidence is strongest in recurring billing and settlement and reconciliation, where scores reach 8; payment methods and checkout and SCA sit at a uniform 7, with named local methods and an Authentication Engine that applies PSD2 SCA exemptions automatically.
- [Mollie](https://whats-best.ai/software/payment/mollie) · EU-Made · panel rating 3/5 · data hosting: not stated on the vendor’s pages
  Mollie, a Dutch e-money institution licensed by De Nederlandsche Bank, scores strongest where a buyer can check numbers: pricing transparency at 7-8, with payment methods and settlement and reconciliation clustered at 7.
- [Novalnet](https://whats-best.ai/software/payment/novalnet) · EU-Made · panel rating 3/5 · data hosting: not stated on the vendor’s pages
  Novalnet AG, a BaFin-supervised German payment institution, is scored highest on settlement and reconciliation, 6 to 8, and lowest on checkout and SCA, 4 to 5.
- [Checkout.com](https://whats-best.ai/software/payment/checkout-com) · UK / wider Europe · panel rating 3/5 · data hosting: not stated on the vendor’s pages
  Checkout.com lands mid-range on this bench, with persona-weighted verdicts between 5.8 and 6.3.
- [Paddle](https://whats-best.ai/software/payment/paddle) · UK / wider Europe · panel rating 3/5 · data hosting: not stated on the vendor’s pages
  Paddle, a merchant-of-record payments platform, scores best where money is counted: settlement and reconciliation clusters at 7, on payout reports that itemise Paddle fee, FX fee, chargeback fee, retained fee and tax so rows sum to the remittance advice, across a stated monthly cycle — created the 1st, sent by the 15th, above $100, €100 or £100 — and thirteen payout currencies.
- [Pay.](https://whats-best.ai/software/payment/pay-nl) · EU-Made · panel rating 2.5/5 · data hosting: not stated on the vendor’s pages
  Pay., operated by TinTel B.V., is a Dutch payment institution licensed by De Nederlandsche Bank since 29 July 2013.
- [GoCardless](https://whats-best.ai/software/payment/gocardless) · UK / wider Europe · panel rating 2.5/5 · data hosting: not stated on the vendor’s pages
  GoCardless is a bank-debit specialist: SEPA Direct Debit named across a 36-country zone, Instant Bank Pay in GBP and EUR, Pay By Bank and Commercial VRP.
- [Unzer](https://whats-best.ai/software/payment/unzer) · EU origin, foreign-owned · panel rating 2.5/5 · data hosting: not stated on the vendor’s pages
  Unzer's public pages are strongest on licence and account terms, scored 5-6: three supervised payment institutions — BaFin register number 122914, CSSF Z00000009, Danish FSA no.
- [MultiSafepay](https://whats-best.ai/software/payment/multisafepay) · EU-Made · panel rating 2.5/5 · data hosting: not stated on the vendor’s pages
  MultiSafepay is a Dutch collecting payments provider — MultiSafepay B.V.
- [PAYONE](https://whats-best.ai/software/payment/payone) · EU-Made · panel rating 2/5 · data hosting: not stated on the vendor’s pages
  PAYONE's public documentation is strongest on checkout and SCA, where five of six judges scored 7 to 8: four integration modes including hosted checkout, 3-D Secure handled automatically, and an exemption engine whose low-value rules — below 30 €, capped at five unauthenticated transactions or 100 € — sit beside acquirer risk analysis and automatic soft-decline recovery.
- [Nexi Checkout](https://whats-best.ai/software/payment/nexi-checkout) · EU-Made · panel rating 2/5 · data hosting: not stated on the vendor’s pages
  Nexi Checkout — the former Nets Easy, from Nexi Germany GmbH of Eschborn under a BaFin e-money licence — scores highest on payment methods at 5–6 and pricing transparency at a flat 4.
- [Payplug](https://whats-best.ai/software/payment/payplug) · EU-Made · panel rating 2/5 · data hosting: not stated on the vendor’s pages
  Payplug is a payment institution — PAYPLUG ENTERPRISE SAS, approved by the Autorité de Contrôle Prudentiel et de Résolution under bank code CIB 16378 — offering online and in-store card acceptance (over 20,000 merchants; €10,9 billion processed in 2025) through Starter (€10 / month) and Pro (€30 / month, 3 months free) plans priced by card tier and market group.
- [wallee](https://whats-best.ai/software/payment/wallee) · UK / wider Europe · panel rating 2/5 · data hosting: not stated on the vendor’s pages
  wallee is a payment platform of Wallee Group AG, Winterthur, Switzerland, with entities also registered in Hamburg, Vilnius and Luxembourg.

## Other alternatives

- [PayPal](https://whats-best.ai/software/payment/paypal) · Rest of world · panel rating 3/5
  PayPal is a payment provider whose evidence is strongest on published pricing and weakest on the data layer.
- [Stripe](https://whats-best.ai/software/payment/stripe) · Rest of world · panel rating 3/5
  Stripe's strongest scores sit in checkout and strong customer authentication (flat 7s) and recurring billing (flat 7s), with settlement and reconciliation and pricing transparency at 7-8.
- [Nuvei](https://whats-best.ai/software/payment/nuvei) · provenance unknown · panel rating 3/5
  Nuvei is a payments platform whose public documentation is strongest where card acceptance gets technical: checkout and SCA scores sit at 7, with the judges crediting 3-D Secure coverage that enumerates fifteen challenge-preference reasons, per-transaction exemption control, soft-decline resubmission and a plainly stated liability shift.
- [Worldpay](https://whats-best.ai/software/payment/worldpay) · provenance unknown · panel rating 2.5/5
  Worldpay, LLC, now part of Global Payments, earns its best scores on checkout and SCA at 7-8: 3-D Secure 2 with device data collection, exemptions for low value under €30, transaction risk analysis and merchant-initiated transactions, liability shift explained per flow, and a PCI-compliant Checkout SDK with hosted card fields.
- [SlimPay](https://whats-best.ai/software/payment/slimpay) · provenance unknown · panel rating 2.5/5
- [Ratepay](https://whats-best.ai/software/payment/ratepay) · provenance unknown · panel rating 2.5/5
  Ratepay, from the BaFin-regulated Ratepay GmbH of Berlin, is a buy-now-pay-later and direct-debit specialist whose evidence is strongest in settlement and reconciliation, scored a flat 6: a CSV report generated with every payout, itemising amounts and fee types per transaction — disagio, transaction fee, service charge, VAT, interest cost, chargebacks — delivered each working day via the ORCA portal and SFTP, carrying a merchant ERP accounting reference.
- [Saferpay](https://whats-best.ai/software/payment/saferpay) · provenance unknown · panel rating 2.5/5
  Saferpay, the payment platform of Saferpay AG (Worldline), is strongest on checkout and SCA with scores of 7-8 and on payment methods at 7: the acquirer directory names local rails market by market — iDEAL, Bancontact, TWINT, Blik, Przelewy24, eps, Wero, Klarna, SEPA Direct Debit — with the acquirer behind each, and the PSD2 pages set out exemptions with their limits, liability shift per flow, soft-decline recovery and test cards to rehearse it.
- [SumUp](https://whats-best.ai/software/payment/sumup) · provenance unknown · panel rating 2.5/5
  SumUp is strongest on checkout and SCA and settlement and reconciliation: judges credit a documented hosted checkout and payment widget with EMV 3-D Secure frictionless and challenge flows, SCA exemption categories and a sandbox with test cards, plus a payouts API returning dates, fees, references and statuses with deduction records for refunds, chargebacks and direct-debit returns, in JSON or CSV, with webhooks and stated next-day funds availability.
- [Paytrail](https://whats-best.ai/software/payment/paytrail) · provenance unknown · panel rating 2/5
  Paytrail Oyj is a Finnish payment institution in the Nexi/Nets group, with Finanssivalvonta named as the supervisory authority.
- [Ecommpay](https://whats-best.ai/software/payment/ecommpay) · provenance unknown · panel rating 2/5
  Ecommpay is a payment provider whose captured public pages are strongest on recurring billing and payment-method breadth, weakest on data-location and account-term disclosure.
- [Paysafe](https://whats-best.ai/software/payment/paysafe) · provenance unknown · panel rating 2/5
  Paysafe, a payment provider held under Paysafe Holdings UK Limited, scores highest on recurring billing at 5: card recurring through Skrill Quick Checkout, SEPA mandates via a Mandate API with pre-notification and merchant-initiated debits, per-payment status callbacks and a query interface to check, cancel or extend a payment are all documented.
- [Trustly](https://whats-best.ai/software/payment/trustly) · provenance unknown · panel rating 2/5
  Trustly sells Pay by Bank: acceptance is by direct bank transfer, and its recurring product runs North American merchants' subscriptions on UK BACS Direct Debit (United Kingdom, Guernsey, Jersey, Gibraltar).
- [Przelewy24](https://whats-best.ai/software/payment/przelewy24) · provenance unknown · panel rating 2/5
  Przelewy24 is the payment service of PayPro S.A., a domestic payment institution supervised by the Polish Financial Supervisory Authority.
- [Trust Payments](https://whats-best.ai/software/payment/trust-payments) · provenance unknown · panel rating 2/5
  Trust Payments is a payment provider whose public pages earn their highest marks on payment methods, 4 to 6, and licence and account terms, 4 to 6: six card schemes, Google Pay, Apple Pay and PayPal, a named European local list from iDEAL to Przelewy24, and both regulated entities disclosed with register numbers — TrustUK Payments Ltd under the FCA, reference 932557, and Trust Payments (Malta) Limited under the MFSA, C56013 — plus PCI DSS Level 1 published.
- [Paysera](https://whats-best.ai/software/payment/paysera) · provenance unknown · panel rating 2/5
  The evidence is developer documentation for Paysera LT, UAB's checkout and recurring billing APIs.
- [Payoneer](https://whats-best.ai/software/payment/payoneer) · provenance unknown · panel rating 1.5/5
  Payoneer Checkout is documented as end-to-end payment processing for small and medium-sized ecommerce businesses.
- [Scalapay](https://whats-best.ai/software/payment/scalapay) · provenance unknown · panel rating 1.5/5
  Scalapay S.p.A.'s public pages describe one consumer payment method: pay in 3 interest-free installments, online and in-store, on a connected Visa, Mastercard or AMEX card.
- [Tpay](https://whats-best.ai/software/payment/tpay) · provenance unknown · panel rating 1/5
  Tpay is a payment service from Krajowy Integrator Płatności S.A., seated in Poznań, and the bench's marks are low and narrow, with persona-weighted totals of 2.3 to 2.4.
- [PostFinance Checkout](https://whats-best.ai/software/payment/postfinance-checkout) · provenance unknown · panel rating 1/5
  PostFinance Checkout is PostFinance AG's card-acquiring offer, run through a back office tool, PAX card terminals and shop plug-ins.
- [Worldline Online Payments](https://whats-best.ai/software/payment/worldline-online-payments) · provenance unknown · panel rating 1/5
  Worldline Online Payments is an online payments offering from Worldline S.A., headquartered at Tour Voltaire, 1 Place des Degrés, 92059 Paris la Défense Cedex, France.
- [Alma](https://whats-best.ai/software/payment/alma) · provenance unknown · panel rating not rated (too little public evidence)
  This verdict rests on a single captured page — Alma's homepage on its French domain, captured 20 Oct 2026 — whose entire substance is a one-line self-description: "Éditeur de logiciels métier et facilitateur numérique" (publisher of business software and digital facilitator).
- [Klarna](https://whats-best.ai/software/payment/klarna) · provenance unknown · panel rating not rated (too little public evidence)
  Klarna Bank AB was judged on developer documentation that, by the vendor's confirmed statement, serves payment providers — for example Stripe or Adyen — that process payments and distribute Klarna, rather than merchants choosing acceptance per market.

Ratings are out of 5 (the panel's mean, half steps).

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Cite as: whats-best.ai, "Billie alternatives — Payment", AI panel analysis, as of 2026-11-03. https://whats-best.ai/software/payment/billie/alternatives