Which Are the 9 Top Marketplace Payments Solutions for EU Businesses in 2026? 

The effects of marketplace payments are everywhere: in building consumer confidence, on platform expansion, in adherence risks, and in the expense of conducting business. In cases of good payment processes, you may enter new EU markets sooner, maintain low operating costs, and have a good relationship with suppliers.

Marketplace payments solutions automate what slows you down: onboarding & verification, global payments, EU reporting, and more. They provide your team the opportunity and exposure to develop in a sustainable way.

In this guide, we will go over the highest options for EU marketplaces and provide some tips on how to find the right marketplace for your model and markets.

What’s a Marketplace Payments Solution?

A marketplace payments solution is technology that enables transactions between marketplace operators, buyers, and sellers and ensures that a marketplace is always compliant with EU VAT and regulations. 

Software can address some (or all) of the high-risk, complex aspects of managing a marketplace like: 

• Gathering Know Your Customer (KYC) and VAT data to verify sellers.
• Managing split payments, VAT accounting and timing of payments.
• Staying compliant with EU tax and Directive on Administrative Cooperation (DAC7) regulations.
• Payment of mass payments to vendors and/or creators in local currency.
• Keeping an eye on and reconciling payments.
• Keeping a record of the transactions that can be audited.
• Managing vendor communication. 

A marketplace payments solution integrates your entire payout workflow, allowing you to centralise instead of handling multiple payment gateways, spreadsheets, separate tax solutions, and manual workflows. 

It saves on manual approvals, automates onboarding, lowers reconciliation workload, and keeps accurate and updated seller information across different regions.

Using the right software, you’ll eliminate operational and regulatory headaches of multi-payee transactions and scale without sacrificing control or vendor management.

How Can You Handle Marketplace Payments with 9 Top Solutions? 

The leading marketplace payment solutions (for EU marketplaces) are:

1. Tipalti: An AI-powered global payment automation platform that automates onboarding, tax and VAT compliance, and mass payouts for growing markets.

2. Online Payment Platform (OPP): Payment provider located in Europe, for multi-vendor marketplaces.

3. Mangopay: The European marketplace payment infrastructure with wallet-based payouts and flexible payment flows.

4. Lemonway: French payment institution offering marketplace payments built-in with KYC, escrow, and multi-party settlement.

5. Unzer: European payments company that offers local payment methods and marketplace-ready payments throughout the EU.

6. Fondy: Unified payment gateway that supports cross-border payouts and multiple currencies accepted.

7. Adyen: World’s most widely used payment platform with local EU payment methods and onboarding functionality.

8. Trolley: Mass payout solution for creator, affiliate, and gig platforms with global payment coverage.

9. Nium: Payout platform with cross-border payments and EU and international support.

1) Tipalti

Tipalti’s global mass payments solution makes complex, high-volume payments to marketplace participants easier for gig economy platforms, creator marketplaces, affiliate networks, and multi-vendor ecosystems.

The real benefit is to take the time-consuming and error-prone manual administration and compliance burden off managing multiple sellers.

According to Tipalti data, businesses that continue to depend on manual processes run the risk of losing more than €26K per month.

Tipalti’s API will work effortlessly in your tech stack to facilitate smooth workflows. It does this as a full payment software. 

Tipalti enables you to:

• Securely gather business information, payment details, and VAT IDs from suppliers in 49 countries – no mountains of paper!

• Minimise EU regulatory and compliance risk with an automated rules engine to vet and validate sellers according to the DAC7 reporting, the Anti-Money Laundering Authority (AMLA) rules, the Payment Services Directive 2 (PSD2), and the Digital Services Act (DSA).

• Create self-billing itemised invoices on payees’ behalf and pass them through a customisable approval process to make sure payments are made on time and correctly. 

• Reach 200+ countries and territories in 120 currencies with cross-border payments using 50+ payment methods, including SEPA, Global ACH, wire transfer, PayPal and more. 

• Enhance cross-border vendor payment experience, and minimize payee friction with built-in multi-entity and multi-language support.

• Enjoy clear foreign exchange (FX) fees and lock-in rates with optimized cross-border transactions and a clear view of hidden fees – safeguarding your margins.

• Establish payment thresholds to retain payments and pay out in bulk when payees qualify for controlled disbursement and improved finance efficiencies.

• Minimize payment risk and errors by implementing built-in OFAC screening, real-time fraud detection, and automated notification of payment approvals.

• Connect comprehensive transaction reports to your ERP system (such as Xero, Oracle NetSuite, or Microsoft Dynamics) for greater visibility and better audit trails to enable tax reporting.

• Monitor payments and expenses for improved cash flow and reconciliation. 

Marketplaces implementing Tipalti’s AI-based software experience enhanced fraud protection, reduced payment mistakes, and enjoyed a quicker monthly close.

Gaming platform Crazy Games used Tipalti’s Mass Payments solution to streamline the developer payouts process and enhance transparency and accuracy.

Crazy Games has shaved days from payment processing to just 4-8 hours with end-to-end automation, increasing developer satisfaction and saving the hassle of outside support.

2) Online Payment Platform

Online Payment Platform (OPP) is a suite of embedded payments solutions for online platforms and marketplaces.

OPP is easily supported by PSD2-compliant payment flows and vendor onboarding, supported by being based within the EU regulatory environment.

More than 200 marketplaces are using its technology to pay suppliers, OPP says. The users receive the necessary tools to: 

• Add sellers and check their ID and comply with KYC.
• Securely escrow funds.
• Define thresholds for automatic payments by virtual International Bank Account Numbers (IBANs).
• Keep an eye on finance and merchant information on customisable dashboards.
• Connect their data warehouse to control payments and communication.

It has now been announced that OPP will enable EU online payment solutions like iDeal (which will be replaced with Wero in 2026), Klarna, Bancontact and Sofort, to help gain the trust of the buyer.

Users can also make cross-border payments, with flexible conversions to pay sellers in their preferred currency. 

Currently, OPP supports the Euro, Swiss Franc, U.S. Dollar, and the British Pound. It does not have payout support for other platforms on this list that have a global scale.

3) Mangopay

Marketplaces are powered by Mangopay’s payment system, which includes escrow and seller ID verification and automation elements. 

Mangopay is used at marketplaces and digital platforms to take payments and pay out in 24 EU and world currencies, from SEPA to ACH, SWIFT, PayPal, and more.

The noteworthy aspect of the tool is its wallet-based system. Onboarding involves each user receiving an eWallet that they can store funds in prior to receiving payouts. A wallet can be used by businesses and their customers for the following purposes: 

• Make payments in.
• Transfer funds between wallets.
• Convert funds between wallets of different currencies.
• Transfer money from a wallet to a bank account.
• Handle refunds and chargebacks by users.

The secure wallet environment can support businesses in dealing with transactions at scale to meet the KYC and anti-money laundering (AML) requirements. 

It guarantees that funds are kept in separate and segregated accounts for payees. In addition to this, payments into wallets are equally quicker than traditional means (such as a cheque). 

Mangopay provides required compliance audits that provide the necessary regulatory shield that allows making sure that users comply with PSD2. There’s no transaction without a payee going through KYC.

Though wallet architecture is very strong and secure, it can be complicated to implement and maintain. Be prepared for more developer engagement for onboarding, configuration, and maintenance.

4) Lemonway

Lemonway is a pan-European payment institution designed to meet the needs of marketplaces, crowdfunding platforms, and platform-based business models. 

Lemonway features enable marketplaces to optimize payment processing, wallet management, and third-party payments within a KYC/AML-governed environment. 

It is similar to Mangopay in that it provides eWallets for users to help them:

• Make entries in the books of account for the sale and purchase of goods.
• Store merchant cash until it’s time to pay. 
• Use ring-fenced funds to follow PSD2 and to prevent misuse.
• Match and reconcile payments.
• Automatically manage commission.

Lemonway will accept classic payment methods and alternative payments like credit/debit cards, SEPA, bank cheques (in France only), PayPal and Multibanco, as well as various foreign currencies. 

The platform also features comprehensive dashboards and reporting capabilities for monitoring marketplace activity, payment information, and KYC status.

Lemonway has a wide range of plugins available to facilitate seamless integration and enhance the efficiency of end-to-end payment transactions in the marketplace. But it can be challenging to manage because of its size and complexity.

5) Unzer

Unzer (formerly Heidelpay) is a German payments solution based on a modular approach that caters to marketplaces.

It’s most widely recognized for its online and point of sale (POS) solutions, yet it gives a host of new marketplace components.

Unzer’s PCI-DSS-compliant marketplace payment platform offers:

• Merchant onboarding and certification in line with the Payment Services Supervision Act (ZAG) and German Anti-Money Laundering Act (GWG).
• Automated provisioning and payout with escrow accounts to safeguard merchants from insolvency. 
• Transparent transaction management with customisable reporting to track financial data and developments.

One of the best marketplace features Unzer offers is the automatic payouts.

The platform allows you to set up commission schemes and payout plans for each merchant, eliminating the need to send invoices and manually do the commission calculations.

Unzer, however, has a strong presence in the DACH region (Germany, Austria, and Switzerland) with payments mainly made in EUR and CHF. 

This is the market for you if you’re looking to serve customers in your area, and you need to build trust signals and payment infrastructure. If you’re working with suppliers from all over the EU or from abroad (or intend to), you might consider a supplier that can offer cross-border payouts.

6) Fondy

Fondy is a European marketplace payment gateway that allows EU businesses to accept payments in 150+ currencies with 300+ payment methods and pay out sellers all around the world.

Not only is Fondy quite flexible in terms of payouts, but it is also quite versatile. 

It’s a multi-vendor payment gateway, which enables marketplaces to configure and manage complex payments, such as split, mass, and recurring payments with automatic currency conversion.

The tool also offers payment wallets (similar to Mangopay and Lemonway) that enable master account holders to:

• Transfer and maintain funds.
• Update account settings.
• All transactions are tracked in one location.

Like other tools in this list, Fondy’s quick partner onboarding aims to protect marketplaces against fraud from the start, with automated AML and KYC checks.

Users also have their own Fondy manager for support and troubleshooting.

Fondy is, however, more of a payment gateway than a payout provider and works best with ecommerce marketplaces. For complex payouts to creators, artists, or developers, there may be a need for additional tools.

7) Adyen

Adyen’s embedded payment platform allows marketplaces to manage onboarding of sellers, KYC compliance, payment settlement, refunds, and split payments from one platform. 

Adyen lets users: 

• Allow customers to select their preferred payment options.
• Move and transfer money between accounts.
• Make instant and scheduled payments.
• Combine tools and current tech stack to connect data.
• Real-time tracking and reconciliation for accurate record-keeping and VAT returns.

Payments including major credit/debit cards from Europe, digital wallets, local bank transfers, such as iDEAL, Sofort and SEPA Direct Debit, are supported both online and in person at Ayden.

The platform also helps users comply with local EU regulations by offering AML checks, MATCH list checks, PSD2, PCI compliance, and European banking licences. 

Plus, there are features to help users manage risk using machine learning models that look for onboarding problems, transaction fraud, and high-risk users. 

Although Ayden eases complicated payment procedures, it is not a plug-and-play solution. It’s designed for enterprise-level marketplaces that have a dedicated technical and developer team, which can integrate its features. 

Small and midmarket platforms may discover that the platform and costs are not the most suitable for their needs.

8) Trolley

Trolley’s mass payout platform is designed for creator platforms, affiliate programs, gig marketplaces, and SaaS companies that require external partners to be paid globally.

Trolley’s capabilities enable marketplaces to streamline cross-border payouts and ensure compliance with taxes, unlike conventional gateways, which are more about payment collection.

Trolley can accept payments via SEPA, international ACH, PayPal, and card payments. Users can make payments to over 200 countries and regions, in over 135 currencies. 

It also provides supplier onboarding functionality, including automated payment details and collection of tax forms, identity verification, and ERP integration, to alleviate manual workload and DAC7 compliance concerns.

Additionally, users can:

• Make personalized approvals for faster payments.
• Break up transaction costs according to their business model.
• Prepare year-end tax statements to submit to taxing agencies.

In environments where payments are the primary need, Trolley’s automation can simplify processes for more efficiency and precision. 

If PayPal is a vital payment method, however, you might want to try a mass payment tool, such as Tipalti, which adopts the PayPal Mass Transaction (MD) model. Trolley works with the Account Direction model, which is linked to your existing PayPal account. 

This method can involve varying transaction volume amounts, processing duration (usually 1-6 days), and exchange rates that can affect expense, dependability, and timeframe for big volume PayPal payouts.

MT, however, has no funding or payment restrictions, and it has quicker processing (usually within 1-3 business days), which means that the supplier receives payment sooner.

9) Nium

Nium’s global payout platform receives real-time cross-border payments to 190+ countries and payment methods, such as: 

• SEPA
• SWIFT
• Digital wallets 
• International and local bank transfers are available.
• Virtual account numbers (VANs)

What makes Nium so strong is the speed, coverage, and compliance it provides, ensuring efficient and reliable payments on international marketplaces.

Payment rails, currency conversion, account verification, and EU regulatory controls are all in one single place on the platform with the payment API.

These features enable marketplaces to pay sellers, gig workers, or creators without having to build their own banking system. 

Nuim users can:

• Enable sellers to onboard and communicate through a supplier portal.
• Make immediate payouts in more than 100 currencies.
• Create payment schedules and currencies by the seller.
• Split commissions on autopilot and receive payouts.
• Use virtual accounts for easier reconciliation and payments tracking. 

Nium can provide a fast payment solution for marketplaces with payees in emerging markets, which are slow or costly to pay using the traditional banking system, to reduce the time to pay suppliers and maintain good relationships. 

The site is, however, designed for developers. It is a good solution for enterprise companies that have a strong technical infrastructure rather than companies aiming to scale that have fewer resources.

How Do You Choose a Marketplace Payments Solution? 

When it comes to choosing a marketplace payments solution, it’s important to take things into careful consideration. This choice will play a crucial role in customer satisfaction, streamlined operations, regulatory adherence to EU standards, and business success.

Some things to consider and questions to ask when considering the options.

If you’re considering solutions, don’t hesitate to find out as much as you can about what they can do and how they can support you, just like your EU marketplace.

For each tool you have narrowed down your list to:

• Check out case studies, success stories, and use case pages of your industry.
• Look at customer reviews that are independent of the company (particularly on marketplaces for your sector or area)
• Analyze software documentation and features.
• See or watch product demonstrations. 
• Schedule a demo with the sales or technical team to see how the product integrates into your current processes and overall tech stack.
• Seek feedback on performance and usability from users within the network.

Consider fit for the long haul. The right solution isn’t the one that’s going to work for your marketplace right now; it’s the one that will work for your marketplace as you continue to expand to new markets and new sellers.

How Can Marketplace Payments Solutions Empower Your Business for the Future? 

Research the different tools available and choose the one that best fits your needs, goals, and budget. The tool you need is not only beneficial for your business, but it is also going to enhance your supplier experiences and offer your marketplace an edge.

Tipalti’s Mass Payments solution can assist businesses with the automation and centralisation of payments processing, enabling them to maintain efficiency and growth. It’s simple to keep compared to wallet systems, and more worldwide than EU-only tools, due to its detailed global payment software, which streamlines mass payouts and ensures compliance in the EU.

Book a free personalised demo to find out how it can enhance your workflows and assist you with handling your markets in one place.

Marketplace Payments Solutions FAQs