Scaling Europe: The Payments Report 2026

Europe is getting harder, not easier. Regulatory divergence between the UK and EU is rewriting the rules of liability, sophisticated fraud attacks are forcing your systems to evolve, and the sheer speed of the UK market is drowning your operations team in noise.

This friction has a price tag: wasted time, false declines, and stalled cross-border growth.

Mollie’s new report gives you the model to automate that complexity away. We show you how to use technology to handle the heavy lifting of routing, compliance, and APP fraud protection – allowing your human experts to stop fighting fires and start driving new growth.

Here’s what’s inside:

• The regulatory roadmap: A clear breakdown of the widening gap between UK APP fraud rules and EU PSD3 standards – and what it means for your liability.

• The fraud dilemma: How to handle the surge in digital wallet adoption (Apple Pay & Google Pay) without blocking legitimate customers or triggering false declines.

• The AI reality: An expert analysis of how automation delivers value today, and the role 'agentic commerce' will play in your business tomorrow.

• Commercial intelligence: How to turn payments from a utility into an asset, using transaction data to build richer customer profiles and drive loyalty.

• Exclusive benchmarks: Real data from across the continent on wallet adoption, fraud trends, and payment method splits.

• Lessons from the frontlines: Strategic advice from KPMG and case studies from European leaders who have already solved the puzzle.

European commerce is complex, but your operations shouldn't be. Download the report to turn that complexity into your greatest competitive advantage.