European alternative to Apple Pay:
NexEuro, free SEPA Instant.
Pay with your phone without depending on Apple or Visa/Mastercard.
Why look for an alternative to Apple Pay?
Apple Pay is a layer on top of Visa/Mastercard cards, operated by Apple. NexEuro lets you pay with your phone via a direct European network (SEPA Instant), without Apple or the US card scheme.
Apple Pay vs NexEuro
A point-by-point comparison to help you choose.
| Criterion | Apple Pay | NexEuro |
|---|---|---|
| Underlying network | Visa / Mastercard. | European SEPA Instant. |
| Platform | iOS only, controlled by Apple. | iOS and Android, OS-independent. |
| Merchant fees | Apple Pay commission + card interchange. | No Apple commission, no interchange. |
| Data | Subject to Apple's policies. | Subject to European GDPR. |
Updated on
4 reasons to switch
What you concretely gain by moving to NexEuro.
No need for a recent iPhone or an Apple ID.
No Apple commission on the transaction.
A European network instead of Visa/Mastercard.
The same data protected by GDPR.
Frequently asked questions
Everything you need to know before switching.
Doesn't Apple Pay already work well?
NFC or QR?
Android compatible?
Ready to try the European alternative?
Download NexEuro and send your first instant payment in under 60 seconds.
Go further with NexEuro
Discover the solutions, countries and use cases that Apple Pay doesn't cover — or covers less well — than NexEuro.
European payment solutions
SEPA Instant, acceptance, group pots → Pillar · Countries36 SEPA countries covered
France, Germany, Spain, Italy → Pillar · Use casesConcrete use cases
Restaurant, freelance, e-commerce →See also: acceptance without a terminal · freelance invoicing · e-commerce payments without Stripe · instant payment in France · free SEPA Instant transfer.
Other European alternatives to Apple Pay and competitors
Compare NexEuro with other players: European alternatives, neobanks, wallets and payment processors.