Lemonway

Lemonway's own site describes a modular payment service for marketplaces and e-commerce sites, and the product pages follow the life of a transaction: pay-in, wallet, identification, pay-out and a back-office dashboard. The legal notice names Lemonway SAS, registered in Paris under number 500 486 915 and approved as a payment institution by the ACPR (CIB 16568).

It reports 1.4 million wallets opened, EUR 10.5 billion in flows handled in 2024 and 20.3 million transactions processed in 2025. Customer stories on the site include Decathlon's marketplace, SNCF Connect Tech and EstateGuru, which gives a sense of the sectors it serves: retail marketplaces, travel, energy charging and lending platforms.

Wallets that hold seller money

A wallet is described as a payment account recording transactions between sellers and buyers while funds wait for pay-out. Lemonway says the funds are ringfenced at a regulated institution, which it presents as the way a marketplace stays within PSD2 rather than touching client money itself.

The commission logic is automated, so the platform's share is separated from each vendor's balance and billed through commission invoices created from the dashboard.

Onboarding sellers with KYC

The Online Onboarding service collects documents, opens the wallet and validates identity on pages hosted by Lemonway. The site gives validation targets of under 2 minutes for individuals and 48 hours for legal entities, plus checks against sanctions and politically exposed person lists.

A hybrid of automated detection and human review is used for fraud, with biometric verification and liveness checks when something looks suspicious.

Taking money in and paying it out

Pay-in covers cards (with multicapture, delayed capture, pay by link and one-click), SEPA Core and B2B direct debit, and domestic, SEPA and international transfers with virtual IBANs, in EUR, GBP, USD, CHF and PLN. The pay-out page offers a Faster Pay-Out option where merchants receive funds the same day, subject to cut-offs.

Limitations to Consider

The product pages are written for marketplaces and show no self-serve signup or price list, so a proof of concept starts with a sales contact. Pay-in currencies are limited to EUR, GBP, USD, CHF and PLN on the page checked, and the pay-out speed carries bank cut-off conditions. For platforms that mainly want to let their customers get paid under their own brand, Mollie or Adyen are structured differently from a wallet model.

Who Should Use Lemonway

Marketplace and crowd-lending operators in Europe that need seller wallets, KYC and payouts under a French regulated payment institution and are happy to negotiate pricing.