Top Digital Payments Apps/Gateways In Europe 2025

This article looks at the top digital payment options in Europe for 2025, highlighting what makes them special and why they’re trusted by millions of users across the continent.

Revolut

Founding Year: 2015
Founders: Nikolay Storonsky and Vlad Yatsenko
Location: London, United Kingdom

Revolut is a financial app that helps people manage money, send payments, exchange currencies, and use a prepaid debit card, making banking and travel payments easy.

TransferWise (Wise)

Founding Year: 2011
Founders: Taavet Hinrikus and Kristo Käärmann
Location: London, United Kingdom

Wise helps people send money abroad quickly and cheaply with low fees, using real exchange rates, perfect for international transfers.

PayPal

Founding Year: 1998 (as Confinity, became PayPal in 2001)
Founders: Peter Thiel, Max Levchin, Elon Musk, and others
Location: San Jose, California, USA

PayPal lets people send and receive money online, pay for things on websites, and shop safely without sharing bank details.

Apple Pay

Founding Year: 2014
Founders: Developed by Apple Inc.
Location: Cupertino, California, USA

Apple Pay is a mobile payment service that lets users pay with their iPhone, Apple Watch, or other Apple devices at stores or online.

Google Pay

Founding Year: 2018 (originally launched as Android Pay in 2015)
Founders: Developed by Google (founded by Larry Page and Sergey Brin in 1998)
Location: Mountain View, California, USA .

Google Pay allows users to pay with their phones, send money to friends, and shop online or in stores using Android devices.

Stripe

Founding Year: 2010
Founders: Patrick Collison and John Collison
Location: San Francisco, California, USA (with offices in Dublin, Ireland)
Stripe helps businesses accept online payments, manage subscriptions, and handle money transactions easily and securely.

Adyen

Founding Year: 2006
Founders: Pieter van der Does and Arnout Schuijff
Location: Amsterdam, Netherlands

Adyen provides payment solutions for businesses, letting them accept payments online, in stores, or on mobile devices worldwide.

Worldpay

Founding Year: 1989
Founders: Originally started as Streamline, later became Worldpay
Location: London, United Kingdom

Worldpay helps businesses process card payments, both online and in-person, making it simple for customers to pay.

Skrill

Founding Year: 2001 (as Moneybookers)
Founders: Daniel Klein and Benjamin Kullmann
Location: London, United Kingdom

Skrill is an online wallet that lets people send money, pay for things, and shop online, especially popular for gaming and trading.

Authorize.Net

Founding Year: 1996
Founders: Jeff Knowles
Location: American Fork, Utah, USA

Authorize.Net helps businesses accept credit card and online payments securely, mostly for small and medium-sized companies.

PayU

Founding Year: 2002
Founders: Nitin Gupta, Jose Velez, and Martin Schrimpff
Location: Hoofddorp, Netherlands (with operations in many countries)

PayU helps businesses in Europe, Asia, and other places accept online payments with local payment methods.

2Checkout (now Verifone)

Founding Year: 2006
Founders: Alan Homewood
Location: Columbus, Ohio, USA

2Checkout (now part of Verifone) helps businesses sell products online by processing payments in many countries and currencies.

Square

Founding Year: 2009
Founders: Jack Dorsey and Jim McKelvey
Location: San Francisco, California, USA

Square provides tools for businesses to accept card payments in-person or online and manage their sales easily.

Paysafe

Founding Year: 1996
Founders: Developed through mergers, originally as Optimal Payments
Location: London, United Kingdom

Paysafe offers online payment solutions, prepaid cards, and digital wallets for shopping, gaming, and sending money.

Rapyd

Founding Year: 2016
Founders: Arik Shtilman, Arkady Karpman, and Omer Priel
Location: London, United Kingdom (with offices globally)

Rapyd helps businesses accept and send payments worldwide, offering local payment options and currency support.

Conclusion

As digital payments keep growing in Europe, the top apps and gateways of 2025 offer fast, safe and simple ways to handle money. Whether you’re paying for everyday things or running a business, these options make transactions smooth and reliable. With technology improving all the time, these leading platforms are shaping the future of how we pay and stay connected financially.