Euronet Worldwide is a global payments company with three parts. Payments Infrastructure, formerly EFT, operates ATM networks, payment processing and merchant acquiring for banks, fintechs and merchants. Epay combines digital content, payments and prepaid distribution. Cross-Border Payments, the money transfer business, operates through Ria, Xe and the Dandelion network. Euronet delivers these as managed infrastructure and networks rather than as software you install yourself.
Euronet Worldwide, Inc. is a publicly listed US company headquartered in Leawood, Kansas. Euronet's public pages do not state where payment and customer data is processed. In its website privacy notice Euronet describes itself as the data controller, says it may share data with group companies outside the EEA and may process data in any country where it has a presence; authorities in other countries may be entitled to access it. No specific transfer mechanism is named. European financial institutions using Euronet services should settle these points contractually for each service.