European alternative to Visa & Mastercard :
NexEuro, free SEPA Instant.
Paying in Europe without Visa or Mastercard: now possible.
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.
Updated on
| Criterion | Visa & Mastercard | NexEuro |
|---|---|---|
| Sovereignty | US networks, interchange set outside the EU. | European network, governed in the euro area. |
| Cost for the merchant | 0.2% to 1.5% interchange + acquiring fees. | Lower merchant fees, no network interchange. |
| Speed | Fast authorisation but settlement D+1 to D+3. | Instant settlement via SEPA SCT Inst. |
| Personal data | Transits through Visa/Mastercard servers. | Stays within the European banking ecosystem. |
4 reasons to switch
What you concretely gain by moving to NexEuro.
Frequently asked questions
Everything you need to know before switching.
No, you can use NexEuro alongside it. The goal is to offer a European choice, not to remove cards.
The merchant network is being built gradually. See /how for rollout details.
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.
Download NexEuroGo further with NexEuro
Discover the solutions, countries and use cases that Visa & Mastercard doesn't cover — or covers less well — than NexEuro.
See also: acceptance without a terminal · freelance invoicing · e-commerce payments without Stripe · instant payment in France · free SEPA Instant transfer.