European alternative to Adyen :
NexEuro, free SEPA Instant.
The direct alternative to Adyen: account-to-account SEPA Instant, no card scheme.
Why look for an alternative to Adyen?
Adyen is a solid European player, but its model relies largely on the Visa and Mastercard schemes and targets large accounts with high minimum volumes. NexEuro serves small businesses, freelancers and individuals with an instant, free account-to-account payment.
Adyen vs NexEuro
A point-by-point comparison to help you choose.
Updated on
| Criterion | Adyen | NexEuro |
|---|---|---|
| Target | Large accounts and high-volume e-merchants. | Freelancers, small businesses, local merchants and individuals. |
| Cost | Interchange + processing fee per transaction. | €0 between users, flat rate on the professional side. |
| Rail | Mostly Visa/Mastercard cards. | Direct SEPA Instant, no card network. |
| Getting started | Contracting and technical integration. | Download the app, pay by phone number. |
4 reasons to switch
What you concretely gain by moving to NexEuro.
Frequently asked questions
Everything you need to know before switching.
Yes, Adyen is Dutch. The difference lies in the rail used: NexEuro avoids the American card schemes by relying on SEPA Instant.
For euro payments within the SEPA zone, yes. Outside the euro, Adyen remains broader.
Yes, many merchants keep cards and add NexEuro to avoid commissions on local payments.
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 Adyen 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.