European Alternatives to Affirm
US buy-now-pay-later provider for online checkout. Below are 2 alternatives from companies headquartered in Germany and Sweden. 1 of them keeps data in the EU only.
Headquartered in Europe
Every company listed here has its headquarters in the EU, EEA, UK or Switzerland, not just a data centre there.
Data location you can check
The pricing table shows whether each one keeps data in the EU only, offers an EU region, or does not say.
Outside the US CLOUD Act
US providers can be ordered to hand over data held in their European data centres. A European company with no US parent or US operations is outside that reach.
Compare Affirm Alternatives
| Company | Headquarters | Data Residency | Founded | Pricing | Open Source | Employees | Funding | Replaces | Website |
|---|---|---|---|---|---|---|---|---|---|
| Berlin, Germany | 🇪🇺 EU Only | 2016 | Custom merchant pricing | ❌ No | ~200 | VC-backed growth company | Affirm, Afterpay | Visit | |
| Stockholm, Sweden | 🇪🇺 EU Available | 2005 | Variable by region | ❌ No | ~5,000 | Raised $4.6B+, IPO planned. Valued at $6.7B (2024) | Afterpay, Affirm | Visit |
Affirm Alternatives: Pricing and Hosting Compared
Starting prices are the lowest paid plan each vendor publishes. Check the vendor's pricing page before you buy, as plans change.
2 European Alternatives
Billie
German B2B payments platform focused on buy-now-pay-later and invoice checkout for merchants.
Swedish fintech offering buy-now-pay-later and payment solutions. 150M+ users worldwide.
What to Check Before Switching from Affirm
Where your data will be stored
1 of the 2 alternatives here says it keeps data in the EU only. Klarna offers an EU region alongside others, so choose it explicitly when you set up the account.
How you can try it
None of the alternatives here publishes a free plan, so plan for a paid trial period that overlaps with Affirm. Billie sells on custom quotes only, which usually means a sales call before you can try it.
Security certifications
We have not confirmed a security certification for any of these alternatives yet. If your procurement requires ISO 27001 or SOC 2, ask each vendor for its documentation.
What you need to bring from Affirm
List the data, templates and integrations you rely on in Affirm, then confirm each one can be exported and that the alternative can import it or offers an API to rebuild it.
Frequently Asked Questions
- What are the European alternatives to Affirm?
- We list 2 companies headquartered in Europe that replace Affirm: Billie (Germany) and Klarna (Sweden).
- Is there a free European alternative to Affirm?
- None of the alternatives listed here publishes a free plan.
- Which Affirm alternatives keep data in the EU?
- Billie keeps data in the EU only. Klarna lets you choose an EU region.