Payment · Alternatives
Scalapay alternatives
As of 21 Oct 2026, the panel rates Adyen (3/5), Mollie (3/5) and Checkout.com (3/5) highest among the other 30 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 (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: how scores are made.
European alternatives to Scalapay
European by provenance (EU-made, EU origin with foreign ownership, or UK and wider Europe). Data hosting is stated only where the vendor’s own pages prove it.
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Adyen
EU-MadePanel rating
Adyen's strongest bench scores land in checkout and strong customer authentication: judges cite an authentication engine that applies PSD2 exemptions itself, configurable Dynamic 3-D Secure rules, liability shift documented per exemption flow, and network tokenisation with an account updater.
- Data hosting: not stated on the vendor’s pages
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Mollie
EU-MadePanel rating
Mollie is a Dutch payments provider: Mollie B.V.
- Data hosting: not stated on the vendor’s pages
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Checkout.com
UK / wider EuropePanel rating
Checkout.com's strongest areas are payment methods, checkout and SCA, settlement and reconciliation, and licence and account terms, scoring 6 to 7.
- Data hosting: not stated on the vendor’s pages
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Novalnet
EU-MadePanel rating
Novalnet AG is a BaFin-supervised payment institution under the German ZAG, register number 122702, in Garching near Munich.
- Data hosting: not stated on the vendor’s pages
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Pay.
EU-MadePanel rating
Pay.
- Data hosting: not stated on the vendor’s pages
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Paddle
UK / wider EuropePanel rating
Paddle is a merchant-of-record payment platform for digital products.
- Data hosting: not stated on the vendor’s pages
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MultiSafepay
EU-MadePanel rating
MultiSafepay B.V.
- Data hosting: not stated on the vendor’s pages
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PAYONE
EU-MadePanel rating
PAYONE, a Frankfurt payment provider whose imprint names it a BaFin-licensed and supervised e-money institution, draws persona-weighted results from 4.0 to 4.8.
- Data hosting: not stated on the vendor’s pages
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Unzer
EU origin, foreign-ownedPanel rating
Unzer is a Germany-based payment provider whose scores peak at licence and account terms, crediting the published BaFin payment-institution registration of Unzer E-Com GmbH (register number 122914), the Luxembourg and Danish licences, and an open account of the 2024 lifting of BaFin's special supervisory mandate.
- Data hosting: not stated on the vendor’s pages
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GoCardless
UK / wider EuropePanel rating
GoCardless Ltd is a London bank-debit specialist whose captured pages document SEPA Direct Debit across the 36-country zone, euro-denominated only, plus Instant Bank Pay in GBP and EUR.
- Data hosting: not stated on the vendor’s pages
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Payplug
EU-MadePanel rating
Payplug is the payment product of PAYPLUG ENTERPRISE SAS, a French payment institution approved by the ACPR under CIB 16378 and part of BPCE Merchant Services.
- Data hosting: not stated on the vendor’s pages
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Nexi Checkout
EU-MadePanel rating
Nexi Checkout is an online-payment product from Nexi Germany GmbH, a BaFin-licensed e-money institution in Eschborn.
- Data hosting: not stated on the vendor’s pages
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wallee
UK / wider EuropePanel rating
wallee is a payment platform from Wallee Group AG, Winterthur, Switzerland.
- Data hosting: not stated on the vendor’s pages
Other alternatives
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PayPal
Rest of worldPanel rating
EU merchants contract with PayPal (Europe) S.à r.l.
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Stripe
Rest of worldPanel rating
Stripe's strongest showing is the operational core: checkout and SCA at 7 to 8, recurring billing and settlement and reconciliation at 7, pricing transparency 6 to 8, payment methods 6.
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SlimPay
Provenance unknownPanel rating
SlimPay, a French payment institution supervised by the ACPR and registered in the Paris Trade and Companies Register under 518 991 336, is scored by the bench as what the captured pages show: a recurring SEPA collection specialist, part of the Trustly group.
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Ratepay
Provenance unknownPanel rating
Ratepay is a Berlin-based buy-now-pay-later provider offering invoice, SEPA direct debit, interest-free pay-in-3 instalments and prepayment through a hosted, white-label payment page.
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Saferpay
Provenance unknownPanel rating
Saferpay AG (Worldline) is a payment product whose public documentation is strongest at the checkout and thinnest on the money and contract around it.
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Paysafe
Provenance unknownPanel rating
Paysafe's holding entity is UK-based Paysafe Holdings UK Limited; it scores strongest on recurring billing, 5 to 6, and weakest on sovereignty, 1 to 3.
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Trust Payments
Provenance unknownPanel rating
Trust Payments is a payments group judged here on its captured public pages.
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Paytrail
Provenance unknownPanel rating
Paytrail Oyj, a Finnish payment provider claiming to be the largest Finnish online payment company, scores highest where its Finnish-market detail is written down: payment methods, recurring billing and settlement and reconciliation each carry a minimum of 4 and maximum of 4, on the strength of nine named Finnish online banks, MobilePay and Siirto, provider-stored card tokens with scheduled charges and seven-day authorization holds, and daily payouts reconciled by order reference and payment stamp.
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SumUp
Provenance unknownPanel rating
SumUp's captured pages describe a card-first payments provider for in-person and online acceptance.
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Ecommpay
Provenance unknownPanel rating
Ecommpay is a payment provider whose evidence is strongest where subscriptions live and thinnest where regulated checkout and finance demand detail.
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Trustly
Provenance unknownPanel rating
Trustly's captured pages describe a single-rail payment product — direct bank transfer marketed across 33+ markets — with the only named country list, the United Kingdom, Guernsey, Jersey and Gibraltar, attached to a BACS Direct Debit recurring flow built for North American merchants.
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Przelewy24
Provenance unknownPanel rating
Przelewy24, a payment service from PayPro S.A., scores best on checkout and strong customer authentication, 3-4: 3-D Secure 2.x meeting PSD2 requirements is stated, with four integration options and a demo store.
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Paysera
Provenance unknownPanel rating
Paysera LT, UAB earns its strongest scores on payment methods, where scores cluster at 4: the catalogue names each method with its payer countries — cards, Apple Pay and Google Pay worldwide, Baltic and Bulgarian bank links, Revolut across the EEA and GB, and Wise in 77 countries — though no public information appears on SEPA Direct Debit or any DACH or Benelux method.
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Tpay
Provenance unknownPanel rating
Tpay is a payment service from Krajowy Integrator Płatności S.A., seated in Poznań, which contracts with merchants and is named as data controller; card acceptance for Apple Pay runs through the acquirer Elavon.
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Worldline Online Payments
Provenance unknownPanel rating
Worldline Online Payments, a payment offering from Worldline SA, publishes product-level marketing — an "all-in-one online payment solution", acquiring processing for all channels, omnichannel and cross-border payments — plus scale figures of 1.2M+ merchants and financial institutions and 48bn transactions processed.
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Alma
Provenance unknownPanel rating Not rated — too little public evidence
Alma SAS is listed in the payment category, but the only captured page describes the company, not its product.
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Klarna
Provenance unknownPanel rating Not rated — too little public evidence
Klarna Bank AB reaches this bench as a payment product whose captured documentation is addressed to payment providers (e.g.