The most visible online payment gateways in Europe, October 2026

October 2026 · 105 questions asked from 7 countries · ChatGPT, Google AI Overviews, Gemini and Google AI Mode · 420 answers read

Leader

Stripe

73Heralded Score, range 66–77

Most cited source

youtube.com

95citations

From Google AI Mode and Google AI Overviews

Where engines disagree most

Adyen

1/4engines put it in their top three

Top three on Google AI Mode, not on Gemini, Google AI Overviews and ChatGPT

Brands

Rank Brand Rank change Heralded Score All AI Search Score trend Mentioned Recommended By engine Mentioned by Change
1 Stripe US New entry 73 , range 66–77 75#1 71#2
73
  • : score 73 · #1
59% 29% First reading
2 PayPal US New entry 71 , range 67–75 70#2 72#1
71
  • : score 71 · #2
56% 26% First reading
3 Mollie NL New entry 32 , range 24–52 37#3 23#3
32
  • : score 32 · #3
18% 11% First reading
4 Adyen NL New entry 29 , range 23–51 35#4 19#4
29
  • : score 29 · #4
20% 7% First reading
5 Shopify Payments CA New entry 28 , range 23–51 35#5 15#5
28
  • : score 28 · #5
18% 8% First reading
6 Square US New entry 23 , range 19–48 32#6 8#13
23
  • : score 23 · #6
16% 5% First reading
7 SumUp GB New entry 9 , range 5–36 8#8 9#11
9
  • : score 9 · #7
5% 4% First reading
8 GoCardless GB New entry 8 , range 4–34 7#10 9#12
8
  • : score 8 · #8
6% 2% First reading
9 Braintree US New entry 8 , range 4–33 7#13 10#8
8
  • : score 8 · #9
6% 2% First reading
10 Payplug FR New entry 8 , range 4–33 7#14 10#9
8
  • : score 8 · #10
5% 3% First reading

“=” marks brands whose score ranges overlap, so the test cannot separate them. Every brand named in at least three answers is ranked. AI and Search give each brand’s score and rank on that side alone. By engine has one dot per engine (ChatGPT, Google AI Overviews, Gemini and Google AI Mode), darker the more often it names the brand.

Most cited sources

Rank Source Type Cited in Engines Pages cited Brands its pages mention
1 youtube.com Social 11.0% 2 of 4 59 Not read
2 connectpay.com Vendor site 6.0% 3 of 4 8 10
3 inflowpay.com Vendor site 3.6% 2 of 4 1 5
4 reddit.com Community 3.3% 3 of 4 9 Not read
5 zapier.com Vendor site 3.1% 2 of 4 1 7
6 bedrijfssoftwaregids.nl Review site 1.9% 2 of 4 2 6
7 europa.eu Regulator 1.4% 1 of 4 9 Not read
8 nerdwallet.com Media 1.9% 2 of 4 4 4
9 startups.co.uk Media 2.4% 3 of 4 1 7
10 ecommerce-nation.fr Media 2.1% 3 of 4 3 7

Questions asked

QuestionLanguageMost recommended
Was ist das beste Zahlungsgateway für einen Onlineshop? German PayPal
Online-Zahlungsabwicklung für kleine Unternehmen German Mollie, PayPal and Stripe, tied
Wie kann ein kleiner Onlineshop Kartenzahlungen akzeptieren? German No brand recommended
Wie kann ich Online-Zahlungen auf meiner Website anbieten? German Mollie, PayPal and Stripe, tied
Zahlungsgateway einer Bank oder Online-Zahlungsanbieter für den E-Commerce? German Mollie and Unzer, tied
Pauschalgebühren oder Interchange-Plus-Modell bei Online-Zahlungen? German No brand recommended
Welche Alternativen zur Nachnahme gibt es für einen Onlineshop? German PayPal
Welche Alternativen zu Banküberweisungen gibt es, um online Kundenzahlungen einzuziehen? German GoCardless
Ich betreibe einen kleinen Onlineshop. Welches Zahlungsgateway sollte ich nutzen? German Mollie and PayPal, tied
Ich leite den E-Commerce-Bereich eines Einzelhändlers und möchte, dass beim Bezahlvorgang weniger Zahlungen abgelehnt werden. German No brand recommended

Each engine's top three

Method

Each leaderboard ranks brands on two sides. AI is how ChatGPT, Gemini, Google AI Overviews and Google AI Mode answer the board's buyer questions. Search is Google's top 10 results for the keywords behind those questions. All combines the two, where Search is measured.

For the AI side, each month Heralded asks every engine the same buyer questions, twice each, and reads every answer. An answer counts 0 for a brand it leaves out, 50 for a brand it names and 100 for a brand it recommends, and the Heralded Score is built from those. A brand named in at least three answers gets a score and a place.

How the leaderboards are measured