Leaving Stripe? Here's everything you need
Compare 4 EU alternatives side-by-side. Find the right fit based on migration difficulty, pricing, and privacy features.
Your data may be subject to US surveillance laws
Stripe is headquartered in the US. Under the CLOUD Act and FISA Section 702, US authorities can access your data without your knowledge. Switch to an EU alternative to keep your data protected under GDPR.
All EU Alternatives at a Glance
| Alternative | Country | Pricing | Difficulty | Time Estimate | Actions |
|---|---|---|---|---|---|
MollieRecommended Mollie is a payment service provider that facilitates online transactions for businesses. It supports various payment methods, including credit cards and digital wallets, to help streamline the checkout process. The platform offers easy integration with websites and provides tools for managing payments and analytics. | 🇳🇱Netherlands | Pay Per Transaction | Medium | Several hours to a few days, depending on data volume and complexity | |
AdyenRecommended Dutch payment platform providing end-to-end infrastructure for accepting payments anywhere in the world. | 🇳🇱Netherlands | Free plan available | Medium | Several hours to a few days, depending on data volume and complexity | |
GoCardless GoCardless is a payment processing platform that enables businesses to collect recurring payments directly from customers' bank accounts via Direct Debit. It simplifies the billing process, reduces transaction fees, and offers secure payment collection. Ideal for subscription services and invoice-based businesses. | 🇬🇧United Kingdom | Free plan available | Hard | Several days, depending on the volume of data and complexity of configurations | |
SumUp SumUp is a European mobile payment processing company headquartered in London, UK (founded 2012). It enables small businesses to accept card payments via portable card readers and a smartphone app. SumUp operates across 36 markets in Europe, the Americas, and globally. The platform includes card readers, mobile POS, online payments, invoicing, and a business account — all with no monthly fees on the standard plan. Merchants pay only per transaction (1.69% for in-person payments in Europe). | 🇬🇧United Kingdom | Pay Per Transaction | Medium | Several hours to a day, depending on the amount of data and complexity of subscriptions |
Our Top Picks
Best for Privacy
Mollie is a payment service provider that facilitates online transactions for businesses. It supports various payment methods, including credit cards and digital wallets, to help streamline the checkout process. The platform offers easy integration with websites and provides tools for managing payments and analytics.
Certifications:
Best Free Option
Dutch payment platform providing end-to-end infrastructure for accepting payments anywhere in the world.
- GDPR compliance ensures EU data protection.
- Unified commerce integrates online and offline sales.
- Adyen offers issuing services for custom cards.
Migration difficulty data is being enriched for these alternatives.
Detailed Comparison of Each Alternative
Mollie is a payment service provider that facilitates online transactions for businesses. It supports various payment methods, including credit cards and digital wallets, to help streamline the checkout process. The platform offers easy integration with websites and provides tools for managing payments and analytics.
Advantages
- EU servers ensure data stays within EU borders.
- Transparent pricing with no hidden fees.
- Supports multiple EU-specific payment methods.
- GDPR compliance ensures strict data protection.
Trade-offs
- Migration from Stripe may disrupt operations.
- Learning curve for Mollie's dashboard and APIs.
- Potentially fewer global payment options than Stripe.
Dutch payment platform providing end-to-end infrastructure for accepting payments anywhere in the world.
Advantages
- GDPR compliance ensures EU data protection.
- Unified commerce integrates online and offline sales.
- Adyen offers issuing services for custom cards.
- ISO 27001 certification enhances security protocols.
Trade-offs
- Migration may disrupt current payment flows.
- Learning curve for Adyen's platform and APIs.
- Potential loss of Stripe-specific features.
GoCardless is a payment processing platform that enables businesses to collect recurring payments directly from customers' bank accounts via Direct Debit. It simplifies the billing process, reduces transaction fees, and offers secure payment collection. Ideal for subscription services and invoice-based businesses.
Advantages
- Lower transaction fees with GoCardless direct debit
- EU-based servers ensure GDPR compliance
- Retry intelligence reduces payment failures
- ISO 27001 certification for strong data security
Trade-offs
- Migration from Stripe requires time and resources
- Limited support for one-time card payments
- Learning curve for GoCardless API integration
SumUp is a European mobile payment processing company headquartered in London, UK (founded 2012). It enables small businesses to accept card payments via portable card readers and a smartphone app. SumUp operates across 36 markets in Europe, the Americas, and globally. The platform includes card readers, mobile POS, online payments, invoicing, and a business account — all with no monthly fees on the standard plan. Merchants pay only per transaction (1.69% for in-person payments in Europe).
Advantages
- 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
Trade-offs
- Migration from Stripe's APIs may be complex
- SumUp lacks advanced fraud detection tools
- Learning curve for new invoicing features
Before You Switch
Export your data from Stripe before you start the migration. This ensures you have a backup and makes the transition smoother.
How to Export
Payments: Payments → Export (CSV). Customers: Customers → Export. Subscriptions: Billing → Subscriptions → Export. Invoices: Billing → Invoices → Export. Payouts: Balance → Payouts → Export. Reports: Reports section for financial summaries
Export Format
CSV for all exports. Choose Default, Custom, or All columns. Reports section also provides CSV
Time Required
Small datasets: instant. Large date ranges: a few minutes to generate server-side
Import Notes
No general import feature for transaction data. For processor migration, export customer data and recreate subscriptions. PAN (card number) export requires contacting Stripe Support + PCI DSS Level 1 compliance
Settings Path
Payments / Customers / Billing / Balance sections → Export button. Reports section for financial summaries
CSV exports do not include raw card numbers. PAN export requires formal request + PCI compliance. Webhook configs must be manually recreated
Frequently Asked Questions
What are the best EU alternatives to Stripe?
There are 4 European alternatives to Stripe. Mollie, Adyen, GoCardless are among the top-rated options. All are GDPR-compliant and store your data in European data centers.
How long does it take to switch from Stripe?
Migration time varies by alternative. Most migrations can be completed in under an hour with our step-by-step guides. We provide detailed migration guides for each alternative.
Can I export my data from Stripe?
Yes. Payments: Payments → Export (CSV). Customers: Customers → Export. Subscriptions: Billing → Subscriptions → Export. Invoices: Billing → Invoices → Export. Payouts: Balance → Payouts → Export. Reports: Reports section for financial summaries The exported data comes in CSV for all exports. Choose Default, Custom, or All columns. Reports section also provides CSV format. No general import feature for transaction data. For processor migration, export customer data and recreate subscriptions. PAN (card number) export requires contacting Stripe Support + PCI DSS Level 1 compliance
Is switching from Stripe to an EU alternative safe?
Yes, switching is safe when done correctly. We recommend: 1) Export your data from Stripe first, 2) Set up the new EU service, 3) Import your data, 4) Run both services in parallel for a transition period, 5) Update any linked accounts or integrations, and 6) Cancel your Stripe subscription only after verifying everything works.
Why should I switch from Stripe to an EU alternative?
EU alternatives provide stronger privacy protection under GDPR, keep your data in European data centers, and are not subject to US surveillance laws like the CLOUD Act or FISA Section 702. By switching, you gain true data sovereignty and support European tech innovation.