Lemonway
Lemonway is a French ACPR-licensed payment institution offering an API-first, modular payment platform purpose-built for marketplace operators and alternative finance platforms across Europe, processing €12.4 billion in flows in 2025.
- Company typePrivate
- Founded2007
- HeadquartersParis, France
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Lemonway does
Lemonway is a French ACPR-licensed payment institution (CIB 16568, licensed since December 2012) operating a modular, API-first payment platform purpose-built for marketplace operators and alternative finance platforms across Europe. The company's core technology is a cloud-native payment orchestration stack hosted on AWS in the Paris region, exposing a REST API composed of six integrated modules — Pay-In (cards, SEPA Core and B2B, BNPL, PayPal, Apple Pay, Google Pay, and local methods), Identification (KYC/KYB), Wallets (with segregation and split-payment logic), Pay-Out (including accelerated disbursements), Dashboard, and pre-built Plugins for platforms such as Mirakl and Adobe Commerce. The platform processes roughly 5 million API calls per day at >99.9% availability and is PCI-DSS Level 1 certified.
Lemonway monetizes primarily through transaction-based fees and marketplace commission management, with pricing negotiated per partner rather than publicly disclosed. Its go-to-market combines enterprise field sales for marquee clients (Decathlon, SNCF Connect & Tech, Eiffage, Arcelor Mittal, Drouot, Eurazeo) with an API-first developer experience for mid-market platforms. In 2025 the company processed €12.4 billion in transaction flows across 20.3 million transactions for 1,200+ e-merchants and platforms, with 1.4 million wallets opened to date. The June 2025 acquisition of PayGreen extended the platform into a dedicated E-Commerce Suite and added roughly €726 million in transaction volume across 20 countries, signaling a strategic pivot from pure marketplace payments toward broader online retail payment infrastructure.
Lemonway firmographics
Firmographics- Name
- Lemonway
- Legal name
- Lemonway SAS
- Website
- https://lemonway.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Lemonway is a French ACPR-licensed payment institution offering an API-first, modular payment platform purpose-built for marketplace operators and alternative finance platforms across Europe, processing €12.4 billion in flows in 2025.
- Ownership category
- akta.pro rank
Lemonway industry classification
Industry- Product category
- Marketplace Payment Infrastructure
- NAICS
- Credit Card Issuing (52221)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA), Merchant / Closed-Loop Wallets (Retail & Marketplace) (FSAMAEAF)
Keywords
Where Lemonway is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Lemonway business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Transaction / Payment Processing Fees: Lemonway charges transaction-based fees on payments processed through its platform. The company earns a commission on each Pay-In and Pay-Out operation, with fees negotiated between Lemonway and the partner (marketplace). This is the primary revenue stream, tied directly to transaction volumes (€12.4B managed in 2025).
- Marketplace Commission Management: Facilitates split payments and commission collection for marketplace operators, taking a take-rate on funds managed on behalf of third-party merchants. Supports commission deduction at the point of transaction.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transaction-based pricing for marketplace payment flows |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Lemonway product offering
Product offeringCore offering
Lemonway is an ACPR-licensed French payment institution that provides a modular payment platform purpose-built for marketplaces and e-commerce operators. Its API-based offering combines five core modules — Pay-In (multi-method payment acceptance), Identification (KYC/KYB), Wallets (escrow and segregation), Pay-Out (disbursement), and Dashboard (real-time monitoring) — enabling platforms to handle regulated fund collection, identity verification, multi-party payment splitting, and payout to third-party sellers across European markets.
Product overview
Lemonway is a French Payment Institution (agréé ACPR, CIB 16568) operating since 2012 as a modular payment platform purpose-built for marketplaces and e-commerce. Its offering is a platform-plus-modules architecture consisting of a core Payment API (5M calls/day, >99.9% uptime) layered with six integrated modules: Pay-In (multi-method payment acceptance), Identification (KYC/KYB and fraud prevention), Wallets (escrow and fund segregation), Pay-Out (accelerated disbursement), Dashboard (real-time monitoring and reporting), and Plugins (pre-built connectors for Mirakl, Adobe Commerce, etc.). On top of the core marketplace stack, Lemonway offers specialized vertical solutions for B2C, B2B, C2C, and Crowdfunding marketplaces, plus an E-Commerce Suite (launched June 2025 following the PayGreen acquisition). The platform processed €12.4 billion in transaction volume across 20.3 million transactions in 2025, serving 1,200+ merchants and platforms.
Differentiator
Problem solved
Functional benefit
Products and services
- Pay-In Payment acceptance module enabling marketplaces to collect funds from buyers via card (CB, MasterCard, Visa), SEPA direct debit (Core and B2B mandates), SEPA/wire transfer, virtual IBAN, Pay by Bank, BNPL, PayPal, Apple Pay, Google Pay, local payment methods (MB Way, MultiBanco), and cheque. Supports multicapture, capture-on-hold, one-click checkout, and recurring payments. PCI-DSS and DSP2 compliant with 3D Secure fraud protection. For marketplace operators and e-commerce platforms.
- Identification (KYC/KYB) Onboarding and identity verification module handling Know Your Customer (KYC) and Know Your Business (KYB) compliance checks for merchants and users on the marketplace. Includes sanctions screening, fraud prevention, and periodic KYC renewal to comply with anti-money laundering (LCB-FT) obligations. For marketplace operators requiring regulatory compliance.
- Wallets Digital wallet infrastructure for marketplace sellers and investors enabling fund collection, reconciliation, segregation (cantonnement), splitting, and rapid disbursement. Supports individual wallets, joint accounts, and minor accounts with parental authorization. Over 1.4 million wallets opened as of 2025. For marketplace and crowdfunding platform operators.
- Pay-Out Disbursement module enabling marketplaces to transfer funds from seller wallets to their bank accounts, including accelerated (Faster) Pay-Out options. Supports both individual seller payouts and mass refund operations for cancellations. For marketplace and platform operators.
- Dashboard Real-time transaction monitoring and business intelligence dashboard for marketplace operators, providing visibility into platform payment operations, KPIs, account management, document validation, and fee tracking. For marketplace and platform operators.
- E-Commerce Suite Extended e-commerce payment solution launched in June 2025 following the PayGreen acquisition, covering broader online retail use cases beyond marketplace-specific features. Includes online order carbon emission calculations and serves the expanded e-commerce merchant segment across Europe. For online retailers, direct-to-consumer brands, and omnichannel merchants.
- Crowdfunding Platform Payment Solution Payment infrastructure tailored for equity, lending, and donation-based crowdfunding platforms, supporting investor onboarding, fund collection, campaign disbursement to project owners, and reporting. Serves platforms including EstateGuru, Wiseed, Enerfip, Blast, Bricks.co, and Lendosphere. For crowdfunding and alternative finance platform operators.
- Marketplace B2C Payment Solution Payment module configured for business-to-consumer marketplaces, supporting individual consumer buyers and professional sellers. Addresses flexible payment methods, rapid seller onboarding, wallet management, and fast pay-out requirements typical of B2C platforms. For B2C marketplace operators.
- Marketplace B2B Payment Solution Payment solution for business-to-business marketplaces, supporting SEPA direct debit B2B mandates (non-reversible), IBAN virtual accounts for international transactions, Pay by Bank, and recurring payment workflows. Designed for enterprise procurement, vertical marketplaces (construction, agriculture, healthcare), and circular economy platforms. For B2B marketplace operators.
- Marketplace C2C Payment Solution Payment infrastructure for consumer-to-consumer marketplaces supporting second-hand goods sales, peer-to-peer rentals, service exchanges, and skill-sharing platforms. Addresses KYC for individual users, wallet segregation, and rapid fund transfer to seller accounts. For C2C marketplace operators such as Carizy.
Quantifiable outcome
- €12.4 billion in transaction flows managed in 2025
- +5 more outcomes
Companies that use Lemonway
Customer profileNamed customers18 records
Segments6 records
Ideal customer profiles5 records
Lemonway technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature6 records
Lemonway partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- PayGreencoreLemonway acquired PayGreen's business in June 2025, integrating its team and assets into Lemonway's e-commerce division. The acquisition expands Lemonway's e-commerce capabilities to include online order carbon emission calculations, adds ~EUR 726M in transaction volume, and brings 400+ platforms across 20 countries into Lemonway's portfolio.
- PayPalcoreLemonway and PayPal established a partnership to optimize B2C marketplace payments. PayPal payments are now settled directly to Lemonway, which handles fund collection, escrow, and distribution to marketplace merchants. This eliminates the need for double integration (separate PSP and PayPal) and streamlines fund flows for marketplace operators.
- MiraklcoreMirakl, a leading marketplace platform provider, has a pre-built plugin integration with Lemonway. Mirakl recommends Lemonway to its customers as a preferred PSP for marketplace payment flows, accelerating joint customer onboarding.
- Adobe CommercecoreAdobe Commerce has a pre-built integration with Lemonway's payment API, enabling e-commerce merchants on Adobe Commerce to leverage Lemonway's marketplace and multi-vendor payment capabilities.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
Lemonway competitors and assessment
Company assessmentDirect peers
- Mangopay: Mangopay is the most direct competitor to Lemonway — both are European payment institutions purpose-built for marketplaces with wallet-based escrow, KYC, and multi-party split-payment infrastructure. Mangopay was acquired by Worldline in 2019, giving it wider distribution but similar core functionality.
- Stripe (Stripe Connect): Stripe Connect offers marketplace-specific payment flows (connected accounts, split payments, instant payouts) that directly overlap with Lemonway's core offering. While Stripe is broader in scope, Connect is its dedicated marketplace product and a primary competitor for European marketplace clients.
- Adyen (for Platforms): Adyen for Platforms targets marketplace operators with unified commerce, split payments, and global payment method coverage. It competes head-to-head with Lemonway for enterprise marketplace clients (Decathlon, SNCF tier) while offering broader geographic reach.
- GoCardless: GoCardless specializes in SEPA Direct Debit and recurring B2B payments — directly overlapping with Lemonway's B2B marketplace module (SEPA B2B mandates, virtual IBANs). Moss, a Lemonway client, illustrates the overlap, and GoCardless competes for the same B2B marketplace payment flows.
Broad incumbents
- Mollie: Mollie is a major European PSP serving SMBs and mid-market e-commerce with multi-method payment acceptance. While not marketplace-specialized, Mollie overlaps with Lemonway's e-commerce suite post-PayGreen acquisition and competes for the same European platform customers.
- Worldline: Worldline is the largest European payment processor, offering acquiring, merchant services, and (post-Mangopay acquisition) marketplace payment infrastructure. As Lemonway's largest direct competitor's parent, Worldline represents a formidable incumbent with deep banking relationships and regulatory standing.
- Checkout.com: Checkout.com is a global PSP with strong European presence, offering payment orchestration and marketplace solutions. It competes with Lemonway at the enterprise end of the marketplace segment and has the scale to undercut on take-rates for high-volume merchants.
- Trustly: Trustly is a European payment method provider specializing in bank-to-bank transfers and Pay-by-Bank flows — directly overlapping with Lemonway's Pay-by-Bank offering. Its recent expansion into payouts and merchant services places it in direct competition with Lemonway's B2B module.
- PayPal (Braintree): While PayPal is also a Lemonway partner (PayPal offered as a payment method within Lemonway's stack), PayPal/Braintree's marketplace and split-payment capabilities compete with Lemonway for marketplace operators seeking a single PSP relationship.
Regional players
- Stancer: Stancer is a French payment service provider (subsidiary of Casino Group) targeting French and European merchants with low-cost payment acceptance. It is a smaller, regional competitor in Lemonway's home market, competing primarily on price for SMB e-commerce customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Lemonway social profiles
Digital presenceLemonway compliance and trust
Trust signalCompliance3 records
Lemonway financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lemonway leadership team
Management profileNumber of profiles
Profiles5 records
Lemonway subsidiaries and ownership
Company hierarchySubsidiaries1 record
Lemonway funding detail
Funding detailFunding overview
Funding rounds3 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lemonway M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Lemonway
What does Lemonway do?
Lemonway is an ACPR-licensed French payment institution that provides a modular payment platform purpose-built for marketplaces and e-commerce operators. Its API-based offering combines five core modules — Pay-In (multi-method payment acceptance), Identification (KYC/KYB), Wallets (escrow and segregation), Pay-Out (disbursement), and Dashboard (real-time monitoring) — enabling platforms to handle regulated fund collection, identity verification, multi-party payment splitting, and payout to third-party sellers across European markets.
Is Lemonway a public or private company?
Lemonway is a private company. It is classified as venture growth investor backed and is currently operating.
When was Lemonway founded?
Lemonway was founded in 2007. It employs 101 to 250 people.
Where is Lemonway based?
Lemonway is headquartered in Paris, France, in the Europe region.
How does Lemonway make money?
Two revenue lines are on record. Transaction / Payment Processing Fees are the primary driver. The others are marketplace Commission Management.
Who are Lemonway's main competitors?
Direct peers on record are Mangopay, Stripe (Stripe Connect), Adyen (for Platforms) and GoCardless. Broad incumbents are Mollie, Worldline, Checkout.com, Trustly and PayPal (Braintree). Stancer is listed as a regional player.
Does Lemonway have an API?
Yes. Lemonway exposes a REST API enabling marketplaces to handle the full payment lifecycle — from card-initiated payments and wallet management to Pay-Out disbursements and KYC/identity verification. The API supports multi-currency transactions in EUR, GBP, USD, CHF, and PLN. The platform processes approximately 5 million API calls per day with >99.9% uptime. Authentication is via Bearer token; the documentation is accessible at /developpeurs. SDKs are available in Node.js (JavaScript), Python, PHP, Java, and C#. A code sample is provided showing a card web-initiated payment (moneyIns_CardWebInitPost) with return URL, error URL, cancel URL, account ID, total amount, and commission amount parameters. Developer documentation is at www.lemonway.com/developpeurs.
What industry is Lemonway in?
Lemonway's product category is Marketplace Payment Infrastructure. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAGAIAA, Merchant-Integrated BNPL (Checkout POS Financing). Its NAICS code is 52221.