Mangopay
White-label payment infrastructure for marketplaces and platforms — a Luxembourg alternative to Stripe Connect.
Overview
Mangopay is a Luxembourg City, Luxembourg-based European company building fintech and payments software since 2013. As an EU-headquartered provider, Mangopay operates under GDPR and is outside the reach of the US CLOUD Act, making it a privacy-friendly alternative to well-known US incumbents for European teams.
Why European teams pick Mangopay
Teams in Europe pick Mangopay when they want a fintech provider that bills in EUR, supports their local data-protection officer requirements, and keeps customer data under Luxembourg law, operating since 2013. Compared with well-known US incumbents, Mangopay avoids cross-border data transfers under Schrems II and the US CLOUD Act, which is often the deciding factor for European procurement and legal teams.
See more EU fintech tools or browse other startups from Luxembourg.
About
Mangopay is a Luxembourg-based payment infrastructure provider specialising in marketplace and platform payments. It handles the complexity of split payments — where funds must be collected from buyers and distributed to multiple sellers or service providers — with built-in escrow, KYC/KYB verification, and payout management. Mangopay is regulated as an Electronic Money Institution (EMI) in Luxembourg and passported across the EU. It is the payment infrastructure of choice for European marketplaces, sharing economy platforms, and crowdfunding platforms that need compliant multi-party payment flows. Mangopay's API-first approach and EU regulatory standing make it the EU equivalent of Stripe Connect.
Details
- Founded
- 2013
- Headquarters
- Luxembourg City, Luxembourg
Other EU startups like Mangopay
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- SumeriaFrance — French mobile bank with peer-to-peer payments and savings — formerly Lydia.
- PayplugFrance — Simple online and in-person payment solution for French businesses — a French alternative to Stripe.
- SpendeskFrance — All-in-one spend management for finance teams — a French alternative to SAP Concur.
- PleoDenmark — Smart company spending with virtual cards and receipt capture — a Danish alternative to Expensify.
- BunqNetherlands — Sustainable Dutch neobank with powerful automation features — an alternative to Revolut.
Frequently asked questions
What is Mangopay?
Mangopay is a Luxembourg-based payment infrastructure provider specialising in marketplace and platform payments. It handles the complexity of split payments — where funds must be collected from buyers and distributed to multiple sellers or service providers — with built-in escrow, KYC/KYB verification, and payout management. Mangopay is regulated as an Electronic Money Institution (EMI) in Luxembourg and passported across the EU. It is the payment infrastructure of choice for European marketplaces, sharing economy platforms, and crowdfunding platforms that need compliant multi-party payment flows. Mangopay's API-first approach and EU regulatory standing make it the EU equivalent of Stripe Connect.
What does Mangopay do?
Mangopay is white-label payment infrastructure for marketplaces and platforms — a luxembourg alternative to stripe connect. It is listed under fintech and payments on EU Alts because its core functionality serves teams looking for a European fintech tool with EU data residency, typically as a switch away from well-known US incumbents.
Is Mangopay a good European fintech alternative?
Mangopay is a fit for European businesses evaluating fintech options where data residency and GDPR alignment matter — typical buyers include EU-based SaaS teams, public-sector projects, regulated industries (healthcare, finance, legal), and any organisation that needs to demonstrate that customer data does not leave the EU. It also overlaps with payments use cases.
Is Mangopay GDPR compliant?
Mangopay is headquartered in Luxembourg City, Luxembourg and falls under EU jurisdiction, so it processes user data under the GDPR by default. Customer data processing is supervised by Luxembourg's data protection authority, the Commission nationale pour la protection des données (CNPD). Because the company is not US-incorporated, it is not subject to the US CLOUD Act — meaning US authorities cannot compel Mangopay to disclose customer data the way they can with well-known US incumbents. For European buyers, that often simplifies DPIA paperwork and standard contractual clauses.
How do teams switch from well-known US incumbents to Mangopay?
Most teams move to Mangopay from well-known US incumbents because they want EU data residency without giving up the core fintech workflow. Mangopay's Luxembourg base means a single jurisdiction for both the company and (typically) its hosting infrastructure, so you can drop Schrems II transfer impact assessments for this part of your stack. Plan the migration in stages: export your data from the US incumbent, pilot Mangopay with a small team, then move the rest once the integration coverage you need is confirmed.
Where is Mangopay based?
Mangopay is headquartered in Luxembourg City, Luxembourg. The company was founded in 2013. Its main website is https://www.mangopay.com.