US-based service. Data subject to US jurisdiction
Best European Stripe Alternatives (2026)
🇺🇸US Companyby Stripe Inc. · Founded 2010
Payment processing platform for internet businesses with APIs for accepting payments and managing subscriptions.
pay per transaction💳Payment & Fintech
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Quick answer: 5 European alternatives to Stripe are listed, from 3 countries. 3 have a free plan. Top picks: Mollie, Adyen and SumUp.
| # | Product | Country | From | Pricing | Free plan | Open source | Self-host |
|---|---|---|---|---|---|---|---|
| 1 | Mollie | 🇳🇱Netherlands | €20 per month | Pay per transaction | Yes | No | No |
| 2 | Adyen | 🇳🇱Netherlands | Not verified | Freemium | No | No | No |
| 3 | SumUp | 🇬🇧United Kingdom | Not verified | Pay per transaction | Yes | No | No |
| 4 | Flatpay | 🇩🇰Denmark | Not verified | Paid | Not verified | No | No |
| 5 | Revolut | 🇬🇧United Kingdom | £3.99 per month | Freemium | Yes | Not verified | Not verified |
A dash means we have not verified that attribute. Migration difficulty is shown only where the editor tested the switch.
Mollie is platform for online and in-person payments.
Notable
- In-person payments in store, at events or on the move with one system
- Collects recurring and subscription payments
- Creates, sends and customises payment links
- Pay as you go in-person plan: maximum 1 hardware terminal, at €0 per month
- Pro in-person plan: 1 terminal license included, additional terminals €20 per month each
Pick Mollie if you want a business account with its own IBAN to pay suppliers and staff.(our assessment)
Checked against Mollie's homepage, legal notice and pricing page.
Adyen is fintech platform for enterprises.
Notable
- Customers all their preferred payment methods with a single integration
- One API that supports multiple use cases and channels
- Accept, settle and move funds on one platform, with automated payouts
Pick Adyen if you want local payment methods and to choose which currency to settle in.(our assessment)
Checked against Adyen's homepage, pricing page, privacy policy, legal notice and about page.
Notable
- Take payments with Tap to Pay on your phone or with SumUp card readers
- Payment links, reporting and invoicing
- Business account with a business Mastercard
Pick SumUp if you want Tap to Pay on your phone or SumUp card readers.(our assessment)
Checked against SumUp's en gb page, about page, pricing page, alternative payment methods list page and legal notice.
Notable
- Payment terminal with access to its own software
- Online payment solution integrated into a webshop
- Daily settlements for faster access to funds
Pick Flatpay if you want a POS with tables, saved orders and split orders for dine-in.(our assessment)
Checked against Flatpay's homepage, about page and pricing page.
Revolut
🇬🇧by Revolut Ltd
Revolut is a financial app that allows users to manage their money seamlessly across multiple currencies. It offers features such as currency exchange, spending analytics, and budgeting tools. Users can also access global payment services, cryptocurrency trading, and virtual or physical debit cards for secure transactions.
Free plan
freemium
Which should you choose?
- Pick Adyen if you want local payment methods and to choose which currency to settle in.
- Pick Flatpay if you want a POS with tables, saved orders and split orders for dine-in.
- Pick Mollie if you want a business account with its own IBAN to pay suppliers and staff.
- Pick SumUp if you want Tap to Pay on your phone or SumUp card readers.
Our assessment, based only on the checked statements above.
How we checked this
We checked 4 of the 5 alternatives on this page against each company's own website in September 2026. Every line in the grey panels comes from that company’s own site, and a second check tried to disprove it before we kept it. A dash in the table means we could not verify that detail. "Pick it if" lines are our own assessment, based only on those checked statements.
Why switch from Stripe?
US CLOUD Act
US authorities can access your data stored by US companies, even if stored in Europe.
Privacy Concerns
US companies may collect and use your data in ways not compliant with EU standards.
EU Alternatives
European providers are listed by headquarters. Verify privacy, hosting, security, and legal requirements for your use case.
Frequently Asked Questions
Are there European alternatives to Stripe?
Yes, there are European alternatives to Stripe. Headquarters, hosting, encryption, and compliance are separate facts, so compare features and verify each provider's current privacy, security, and hosting documentation.
Why switch from Stripe to a European alternative?
A European provider can support procurement or data-sovereignty goals, but it does not automatically guarantee European hosting, encryption, GDPR compliance, or immunity from foreign law. Verify the provider's policies and seek legal advice where required.
Is Stripe GDPR compliant?
As a US-based company, Stripe may transfer and process your data in the United States. While they may have GDPR compliance measures, your data could still be subject to US laws including the CLOUD Act.
How do I migrate from Stripe to a European alternative?
Start by exporting your data from Stripe. Import options differ by product, so check what each alternative documents before you commit. This page shows migration difficulty only where the switch has been tested.
Other Payment & Fintech you might want to replace
Ready to switch to a privacy-focused alternative?
Protect your data by moving to an EU-based service. Our migration guides make switching easy.
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