Financial Infrastructure
European payment infrastructure is genuinely strong, with Adyen (Netherlands), Mollie (Netherlands), and GoCardless (UK) offering full-stack alternatives to Stripe that natively support SEPA, iDEAL, Bancontact, and other regional payment methods. The key European differentiator is native PSD2/SCA compliance and GDPR-aligned data handling, though Stripe and PayPal still dominate mindshare among developers building new projects.