European Alternatives to Stripe
Payment processing platform. Below are 5 alternatives from companies headquartered in the Netherlands, Sweden and the United Kingdom. 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 Stripe Alternatives
| Company | Headquarters | Data Residency | Founded | Pricing | Open Source | Employees | Funding | Replaces | Website |
|---|---|---|---|---|---|---|---|---|---|
| Amsterdam, Netherlands | 🇪🇺 EU Only | 2004 | 1.8% + €0.25/transaction | ❌ No | ~800 | Raised €800M+, valued at €6.5B (2021) | Stripe, PayPal | Visit | |
| Amsterdam, Netherlands | 🇪🇺 EU Available | 2006 | Custom enterprise | ❌ No | ~4,000+ | Public company (Euronext: ADYEN), market cap ~€40B | Stripe | 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 | |
| London, United Kingdom | 🇪🇺 EU Available | 2011 | From per-transaction pricing | ❌ No | ~800 | VC-backed growth company | Stripe, Bill.com | Visit | |
| London, United Kingdom | 🇪🇺 EU Available | 2012 | Custom / usage-based | ❌ No | ~300 | VC-backed growth company | Stripe, Stripe Billing | Visit |
Stripe 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.
| Alternative | Country | Free plan | Paid plans | Open source | Data residency |
|---|---|---|---|---|---|
| Mollie | Netherlands | No | Not published | No | EU only |
| Adyen | Netherlands | No | Custom quote | No | EU region available |
| Klarna | Sweden | No | Not published | No | EU region available |
| GoCardless | United Kingdom | No | Not published | No | EU region available |
| Paddle | United Kingdom | No | Custom quote | No | EU region available |
5 European Alternatives
Mollie
Dutch payment service provider supporting all major payment methods. Simple API, transparent pricing, loved by developers.
Enterprise payment platform from Amsterdam. Powers Spotify, Uber, eBay. Full-stack payments with global reach.
Swedish fintech offering buy-now-pay-later and payment solutions. 150M+ users worldwide.
UK bank payment platform for recurring debits, invoice collection, and account-to-account payment flows.
UK merchant-of-record platform for SaaS billing, tax handling, and subscription operations.
What to Check Before Switching from Stripe
Where your data will be stored
1 of the 5 alternatives here says it keeps data in the EU only. Adyen, Klarna, GoCardless and Paddle offer 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 Stripe. Adyen and Paddle sell on custom quotes only, which usually means a sales call before you can try it.
Security certifications
Certifications we have confirmed on the vendor’s own site: Mollie (SOC 2); Paddle (SOC 2). If your procurement requires one, check the others directly.
What you need to bring from Stripe
List the data, templates and integrations you rely on in Stripe, 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 Stripe?
- We list 5 companies headquartered in Europe that replace Stripe: Mollie (Netherlands), Adyen (Netherlands), Klarna (Sweden), GoCardless (United Kingdom) and Paddle (United Kingdom).
- Is there a free European alternative to Stripe?
- None of the alternatives listed here publishes a free plan.
- Which Stripe alternatives keep data in the EU?
- Mollie keeps data in the EU only. Adyen, Klarna, GoCardless and Paddle let you choose an EU region.