Netopia mobilPay vs EuPlătesc vs PayU, which Romanian gateway should I use?

Three serious players in Romania, each with a Magento module:

• Netopia mobilPay (PlatiOnline), the market leader by transaction volume. Owns ~40% of RO online card-processing. Native Magento 2 module from Netopia, supports recurring, 3DS2, Apple Pay / Google Pay. Best for medium-to-large RO merchants.
• EuPlătesc, second-largest, Romanian PSP, strong on SMEs. Magento 2 module is solid. Slightly lower fees than Netopia for low-volume merchants. Supports recurring + tokenization.
• PayU Romania, international PayU group with strong RO presence (especially via PayU LATAM / EE infrastructure). Magento 2 module excellent, multi-currency RON + EUR, instant settlement, broad PSP rail.
• Stripe, available in Romania since 2021 (Atlas), supports RON. Best if you also sell in other markets and want one rail. RO-issued cards work but Netopia / EuPlătesc routing fees are cheaper for domestic RO transactions.
• Klarna, available in Romania for BNPL since 2023, growing fast in fashion + electronics.

We typically wire Netopia + PayU + Stripe as a triple-rail (Netopia for domestic conversion, PayU for cross-border, Stripe for international). Klarna added if your AOV justifies BNPL.