Funilly enough, payment might be the area where it's the easiest to find a credible european alternative.
Adyen is an enormous PSP
Mollie is aiming at smaller companies.
Scaleway, OVH, Hetzner, Infomaniak and others do have pre-packaged, managed services, but you might not find "eveything and anything" that you find at, say, AWS. The other side of the same coin is that you're as vendor-locked if you buid something with one component at SCW, one at Hetzner and the third at Infomaniak... (but you have to manage 3 different invoices...)
Scaleway, OVH, Hetzner, Infomaniak and others do have pre-packaged, managed services, but you might not find "eveything and anything" that you find at, say, AWS. The other side of the same coin is that you're as vendor-locked if you buid something with one component at SCW, one at Hetzner and the third at Infomaniak... (but you have to manage 3 different invoices...)