Buyer's Guide · Netherlands
Best Payment Gateway Software in Netherlands (2026)
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This guide ranks the 9 best Payment Gateway Software options available in Netherlands as of 2026, ordered by SpotScore — a composite of ratings, verified reviews, and feature coverage. All tools listed support Dutch compliance requirements and are evaluated for suitability in the Netherlands market.
How to Choose Payment Gateway Software in Netherlands
In the Netherlands, your business must navigate a complex landscape of regulations when selecting Payment Gateway Software. The primary governing bodies include De Nederlandsche Bank (DNB) and the Autoriteit Financiële Markten (AFM), which oversee compliance with the Payment Services Directive 2 (PSD2) and the General Data Protection Regulation (GDPR). Your core challenge lies in ensuring that your payment processing solutions not only facilitate transactions but also comply with stringent security and data protection standards. Non-compliance can lead to severe penalties, including fines from DNB and reputational damage, making it essential to choose software that meets all regulatory requirements.
As of 2025, the adoption of Payment Gateway Software in the Netherlands has reached approximately 75% among e-commerce businesses, driven largely by the implementation of PSD2 in 2019, which mandated stronger customer authentication measures.
Top Payment Gateway Software Available in Netherlands
Ranked by SpotScore — a composite of ratings, reviews, and feature coverage
Payoneer provides a simple and cost effective solution for your business to accept credit card and other payments online. Payoneer's suite of Payment Gateway Solutions has been adapted to meet the needs of various businesses such as banks, eCommerce merchants, international money transfer companies, mobile network operators, MSO's, PSP's and more.
Razorpay's payment gateway software helps online businesses to accept payments from customers using their desktop and mobile devices. This online payment gateway helps you integrate seamlessly with the leading payment gateways in India, and global financial networks like Visa and Mastercard. The API based platform enables you to create your own extensions as per your needs.
Adyen's software powers the online payment processing systems for best-in-class marketplaces, retailers, financial services organizations, and other businesses that want to accept payments anywhere in the world. Adyen delivers frictionless payments across online, mobile, and in-store channels.
Mollie is a payment gateway that allows businesses to accept credit cards, debit cards, and mobile payments on websites and mobile apps. You can easily accept all major credit cards, iDeal, PayPal, and other payment methods.
MultiSafepay is a payment gateway software that allows merchants to process payments from their online stores using their choice of payment instruments such as credit cards, debit cards, and e-wallets.
Ingenico ePayments, a payment gateway solution, provides an easy-to-use payment system for virtual shops. Use the software to accept cards and electronic cash payments on your site, including: - Credit card processing - Direct Debit - Online Shopping Cart/Billing - Mobile Payments
Akurateco, is a white-label payment gateway management software, designed to help merchants across different industries achieve complete command over their payment flow. A fees engine within the particular has the ability to monitor and estimate settlements of individual payment channels. Users can decide their business moves based on a highly customizable advanced reporting system within Aukurateco. Routing technology offered by the software helps business houses choose specific providers who will help them in improving their transactional ratio.
Boost your business sales with Cartfuel - the ultimate online payment form management software. Increase your average cart value by 20% in just 5 minutes with our trusted platform, used by over 416 businesses and agencies worldwide. No coding needed - easily turn any landing page or website into a high-converting sales funnel. Our customisable payment forms match your brand and style, while our features like countdown timers, direct CRM integration, and coupon generator speed up conversions. Embed Cartfuel on multiple platforms like ClickFunnels, HubSpot, and WordPress for maximum reach. Take control of your sales with Cartfuel's optimized features.
Maxpay is the ultimate payment gateway for business. Developed by experienced online business owners, Maxpay is packed with tools, local expertise and risk analytic solutions to help you grow. As running an online business goes beyond payments processing, our team of payments professionals are dedicated to providing support and resources to assist all businesses, regardless of size, so they can thrive in a global market. With Maxpay's services you can be sure that success is just around the corner.
Key Regulations
Payment Services Directive 2 (PSD2)
PSD2 requires your business to implement strong customer authentication (SCA) for electronic payments. Your payment gateway software must support two-factor authentication methods to comply. Failure to comply can result in fines from De Nederlandsche Bank (DNB) and increased liability for fraudulent transactions.
General Data Protection Regulation (GDPR)
GDPR mandates that your payment gateway software must ensure the protection of personal data during transactions. This includes encryption and secure data storage. Non-compliance can lead to fines of up to €20 million or 4% of your annual global turnover, whichever is higher.
Wet op de financiële toezicht (Wft)
The Wft requires that your payment gateway software must provide transparency regarding fees and terms of service. This means clear disclosures must be integrated into the software. Failure to comply can result in enforcement actions from the Autoriteit Financiële Markten (AFM) and potential fines.
Anti-Money Laundering Act (Wwft)
Under the Wwft, your payment gateway software must include features for transaction monitoring and reporting suspicious activities. This is crucial for compliance with anti-money laundering regulations. Non-compliance can lead to significant penalties and legal repercussions.
Consumer Protection Act
This act requires that your payment gateway software must facilitate easy refunds and chargebacks for consumers. The software must have features that allow for transparent transaction records. Non-compliance can result in consumer complaints and potential legal actions.
What to Look For
Strong Customer Authentication (SCA) support
Your payment gateway software must support SCA to comply with PSD2. This includes implementing two-factor authentication methods such as SMS codes or authentication apps. Verify with vendors that their software has these capabilities integrated to avoid compliance issues.
GDPR-compliant data handling
The software must ensure that all personal data is encrypted and securely stored, in line with GDPR requirements. Ask vendors how they manage data protection and what measures are in place to prevent data breaches, as non-compliance can lead to severe penalties.
Transparent fee disclosures
Your payment gateway must provide clear and transparent fee structures as mandated by the Wft. This includes upfront disclosure of transaction fees and any other applicable charges. Confirm with vendors that their software includes these features to avoid regulatory scrutiny.
Transaction monitoring capabilities
Under the Wwft, your payment gateway software must have the ability to monitor transactions for suspicious activities. This includes automated alerts for unusual transaction patterns. Ensure vendors can demonstrate how their software meets these requirements.
Refund and chargeback processing
The software must facilitate easy refunds and chargebacks in compliance with the Consumer Protection Act. This includes having a user-friendly interface for customers to initiate refunds. Verify that the vendor's solution supports these functionalities to maintain compliance.
Multi-currency support
Given the international nature of e-commerce, your payment gateway should support multiple currencies. This is essential for businesses operating in the Netherlands that cater to international customers. Confirm with vendors that their software can handle currency conversions and related compliance.
Common mistake: A common mistake among Netherlands businesses is selecting payment gateway software that lacks robust GDPR compliance features. This oversight can lead to severe penalties, including fines of up to €20 million. Ensure you verify the vendor's GDPR compliance status and data protection measures before finalizing your purchase to avoid costly repercussions.
Compliance Checklist
Does the software support Strong Customer Authentication (SCA) as required by PSD2?
This question is critical because failure to implement SCA can lead to transaction failures and fines from DNB. If the vendor cannot confirm this capability, consider looking for alternatives.
Is the software designed to be GDPR-compliant?
GDPR compliance is non-negotiable for handling personal data. If the vendor cannot guarantee compliance, your business risks significant fines and reputational damage.
Does the software provide transparent fee disclosures as required by the Wft?
Transparency in fees is essential to avoid regulatory penalties. If the vendor's software lacks this feature, it could lead to compliance issues.
Can the software monitor transactions for suspicious activities as required by the Wwft?
Monitoring is essential for compliance with anti-money laundering laws. If the vendor cannot confirm this capability, your business may face legal risks.
Does the software facilitate easy refunds and chargebacks?
This feature is necessary for compliance with the Consumer Protection Act. If the vendor's software does not support this, it could lead to customer dissatisfaction and legal issues.
Questions to Ask Vendors
- How does your software ensure compliance with PSD2's Strong Customer Authentication requirements?
- What specific measures do you have in place for GDPR compliance?
- Can you provide details on your fee disclosure practices in accordance with the Wft?
- How does your software monitor transactions for compliance with the Wwft?
- What features does your software offer for handling refunds and chargebacks?
Frequently Asked Questions
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Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].