European alternative to Visa & Mastercard

European alternative to Visa & Mastercard:
NexEuro, free SEPA Instant.

Paying in Europe without Visa or Mastercard: now possible.

Download NexEuro →How it works

Why look for an alternative to Visa & Mastercard?

Over 90% of card payments in Europe go through Visa and Mastercard, two US companies. NexEuro offers a direct European payment network based on SEPA Instant, without depending on the US card scheme.

Visa & Mastercard vs NexEuro

A point-by-point comparison to help you choose.

Visa & Mastercard vs NexEuro comparison — European SEPA Instant alternative
CriterionVisa & MastercardNexEuro
SovereigntyUS networks, interchange set outside the EU.European network, governed in the euro area.
Cost for the merchant0.2% to 1.5% interchange + acquiring fees.Lower merchant fees, no network interchange.
SpeedFast authorisation but settlement D+1 to D+3.Instant settlement via SEPA SCT Inst.
Personal dataTransits through Visa/Mastercard servers.Stays within the European banking ecosystem.

Updated on

4 reasons to switch

What you concretely gain by moving to NexEuro.

1

Support a European infrastructure.

2

Reduce interchange fees for merchants.

3

Pay without a physical card or 16-digit number.

4

Keep control of your data in the EU.

Frequently asked questions

Everything you need to know before switching.

Do I have to give up my bank card?
No, you can use NexEuro alongside it. The goal is to offer a European choice, not to remove cards.
Do merchants accept NexEuro?
The merchant network is being built gradually. See /how for rollout details.
Is it compatible with existing card terminals?
A widget and a QR mode allow acceptance without specific hardware.

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 Visa & Mastercard doesn't cover — or covers less well — than NexEuro.

Pillar · Solutions

European payment solutions

SEPA Instant, acceptance, group pots → Pillar · Countries

36 SEPA countries covered

France, Germany, Spain, Italy → Pillar · Use cases

Concrete 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 Visa & Mastercard and competitors

Compare NexEuro with other players: European alternatives, neobanks, wallets and payment processors.

US payment processorStripeSee the alternative →US e-walletPayPalSee the alternative →British neobankRevolutSee the alternative →International transferWiseSee the alternative →US mobile walletApple PaySee the alternative →