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Best European Stripe Alternatives (2026)

🇺🇸US Company

by 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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Best Stripe Alternatives

7 privacy-focused, GDPR-compliant alternatives

Curated by Sidney van den Boogaard, Founder of BuiltInEu · Updated

Mollie logo

Mollie

🇳🇱

by Mollie B.V.

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.

GDPR CompliantEU-BasedEU-hosted
pay per transaction
ClubCollect logo

ClubCollect

🇳🇱

by ClubCollect

ClubCollect simplifies membership fee collection for clubs and associations by automating invoicing and payment reminders. Designed for organizations of all sizes, this Dutch platform offers a unique feature allowing members to choose flexible payment plans, ensuring timely collections while accommodating individual financial situations.

EU-BasedGDPR Compliant
Adyen logo

Adyen

🇳🇱

by Adyen N.V.

Dutch payment platform providing end-to-end infrastructure for accepting payments anywhere in the world.

GDPR CompliantEU-BasedISO 27001
freemium
GoCardless logo

GoCardless

🇬🇧

by GoCardless Ltd

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.

GDPR CompliantEU-BasedISO 27001
freemium
SumUp logo

SumUp

🇬🇧

by SumUp Limited

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).

GDPR CompliantEU-Based
pay per transaction
Revolut logo

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.

GDPR CompliantEU-Based
freemium
Flatpay logo

Flatpay

🇩🇰

by Flatpay

Flatpay provides businesses with streamlined payment solutions and a powerful point of sale system, allowing merchants to easily accept payments anytime, anywhere, with no hidden fees.

EU-Based
paid

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 should I switch from Stripe to an EU 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 an EU alternative?
We provide detailed migration guides to help you switch from Stripe to European alternatives. These guides include step-by-step instructions, data export procedures, and tips for a smooth transition.

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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