Payment Processing

European Alternatives to Affirm

US buy-now-pay-later provider for online checkout. Here are 2 GDPR-compliant European alternatives that keep your data in the EU.

Why Consider European Alternatives?

Built for European privacy standards from day one

Your data never leaves European servers

Not subject to US government data requests

European timezone customer support

Compare Affirm Alternatives

Company	Headquarters	Data Residency	Founded	Pricing	Open Source	Website
Billie	Berlin, Germany	🇪🇺 EU Only	2016	Custom merchant pricing	❌ No	Visit
Klarna	Stockholm, Sweden	🇪🇺 EU Available	2005	Variable by region	❌ No	Visit

Top Pick

Berlin, Germany

Founded 2016Custom merchant pricing~200 employees

German B2B payments platform focused on buy-now-pay-later and invoice checkout for merchants.

Stockholm, Sweden

Founded 2005Variable by region~5,000 employees

Swedish fintech offering buy-now-pay-later and payment solutions. 150M+ users worldwide.