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

75Heralded Score, range 72–78

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

Search is not measured for this board yet, so it ranks on AI answers.

Rank Brand Rank change Heralded Score All AI Score trend Mentioned Recommended By engine Mentioned by Change
– Raiffeisen Bank E-commerce AT Unranked Too few answers Not measured
–
  • : Unranked
0% 0% None First reading
– Smart2Pay NL Unranked Too few answers Not measured
–
  • : Unranked
0% 0% None First reading
– Trust Payments Ltd GB Unranked Too few answers Not measured
–
  • : Unranked
1% 0% None First reading
– Viva Wallet GR Unranked Too few answers Not measured
–
  • : Unranked
0% 0% First reading
– xMoney RO Unranked Too few answers Not measured
–
  • : Unranked
0% 0% None 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 gives each brand’s score and rank from the engines’ answers; Search is not measured for this board yet. 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
best payment gateways for small businesses English Helcim, PayPal, Shopify Payments, Square and Stripe, tied
online payment gateway for ecommerce English Adyen, Mollie, Nexi, PayPal, Shopify Payments and Stripe, tied
how to accept online payments on a website English Stripe
how to reduce declined card payments online English No brand recommended
payment gateway fees comparison English Stripe
Wat is de beste betaalprovider voor een webshop? Dutch Mollie and Stripe, tied
Online betalingen verwerken voor kleine bedrijven Dutch Mollie and Stripe, tied
Hoe kan een kleine webshop kaartbetalingen accepteren? Dutch Mollie, Shopify Payments and Stripe, tied
Hoe voeg ik online betalingen toe aan mijn website? Dutch Mollie, PayPal and Stripe, tied
Betaalgateway van een bank of online betaalprovider voor e-commerce? Dutch Mollie

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