Stripe vs SumUp: Is EU Data Security a Stronger Shield?
Explore how UK-based SumUp and US-based Stripe handle your payment data with a focus on privacy and security. Discover the safest choice for your business today.
Should You Switch to SumUp?
Gain EU-based servers, full GDPR compliance, and no Cloud Act exposure
Lose advanced features like subscription billing and developer APIs
Switch if privacy and EU compliance are priorities; stay for advanced features
At a Glance
US data laws
GDPR protected
Stripe
Pay Per Transaction
SumUp
Pay Per Transaction
Privacy & Compliance Comparison
Critical data sovereignty factors at a glance
| Criteria | Stripe | SumUp |
|---|---|---|
Server Location | US (AWS), EU (optional) | EU |
GDPR Compliance | Partial (SCCs) | Full |
Open Source | ||
E2E Encryption | Optional | Optional |
Data Portability | Partial | Partial |
CLOUD Act Notice
Stripe is a US company and must comply with CLOUD Act data requests, even for data stored in EU data centers. SumUp is not subject to US jurisdiction.
Stripe
🇺🇸Stripe Inc.
SumUp
🇬🇧SumUp Limited
US Data Storage
Data subject to US CLOUD Act and may be accessed by US authorities
EU Data Protection
Data protected under GDPR with EU-only data residency
Certifications & Compliance
No certifications listed
Reasons to Switch
- ✓No monthly fees with SumUp's business account
- ✓GDPR compliance ensures EU data protection
- ✓SumUp offers mobile POS for in-person sales
- ✓EU-based servers for local data storage
Things to Consider
- !Migration from Stripe's APIs may be complex
- !SumUp lacks advanced fraud detection tools
- !Learning curve for new invoicing features
Migration Overview
Depends on data size and complexity
Quick Steps
Create SumUp account and configure settings
Export and prepare data from Stripe
Import data, test integrations, and migrate users
Note: SumUp is more focused on mobile and in-person payments, which may require significant changes for online-only businesses.
Other alternatives to Stripe
Ready to make the switch?
Start using SumUp today and take control of your data privacy.