European alternative

European alternatives to Stripe

Stripe is a US-based provider (Payment gateway, Card issuing software, Agentic payments & commerce, Click to Pay) operating outside the EEA (data residency: No). For teams that need European digital sovereignty — GDPR-safe, outside US CLOUD Act reach — here are 9 verified European providers covering the same ground.

Why look past Stripe? Under GDPR and CLOUD Act concerns, many European decision-makers require infrastructure and data inside the EEA. The providers below are matched on the same product categories and ranked European-origin first — each one verified at source (licence type, regulator, registry reference).

9 verified European alternatives

Adyen

EU core EEA: Yes Bank Verified Netherlands
Payment gatewayCard issuing softwareAgentic payments & commerceClick to Pay

🏦 Local IBANs: NL

Adyen (Netherlands) - global acquiring, card issuing and banking; Adyen Issuing offers BIN sponsorship for platforms plus business accounts with NL IBANs. Credit institution (bank), DNB; passported across the EEA (CRD IV). A rare EU-HQ global processor. Agentic-ready - named partner in Mastercard Agent Pay (AI-agent commerce).

View profile Visit site → Request intro

HiPay

EU core EEA: Yes Verified France
Payment gatewayClick to Pay

HiPay (France; Euronext Growth Paris: ALHYP; spun from HiMedia 2015) - PSP and acquirer; EUR 9.5bn payment volume, ~250 staff across five EU locations.

View profile Visit site → Request intro

IT Card

EU core EEA: Yes PI Verified Poland
Card issuing softwarePayment gateway

IT Card (Warsaw, Poland) - Poland's largest transaction processor (founded 2008); card issuing (1.6m+ cards), 3DS, the Planet Cash ATM network (~7,400) and Planet Pay POS acquiring. Licensed via Planet Pay - National Payment Institution (KNF), Visa Principal Member + Mastercard acquirer - offering 'fintech-in-a-box' BIN sponsorship. Operates PL/CZ/HR; SIBS (PT) took a majority stake (completed 2026). KRS 0000640662.

View profile Visit site → Request intro

Klarna

EU core EEA: Yes Bank Verified Sweden
Card issuing softwarePayment gateway

Klarna Bank AB (publ) (org. 556737-0431) - full banking licence Swedish FSA since 2017 (category 2 institution), passported EEA. BNPL pioneer; rolling out Klarna Card (debit) across 10 EU markets 2025; FCA authorisation UK (Jul 2025). NB: SFSA SEK 500m AML remark/fine 2025.

View profile Visit site → Request intro

Mangopay

EU core EEA: Yes EMI Verified Luxembourg
Card issuing softwarePayment gateway

🏦 Local IBANs: LU

Mangopay (Mangopay S.A., Luxembourg) - marketplace and platform payments with per-user virtual IBANs. EMI, CSSF.

View profile Visit site → Request intro

myPOS

EU core EEA: Partial EMI Verified Bulgaria / UK
Payment gatewayCard issuing software

myPOS (founded Varna, Bulgaria 2014; London HQ) - SME card payments for 350k+ merchants across 35+ countries; EMI, Central Bank of Ireland (Dublin) for EU settlement. Being acquired by Advent International (US PE). Bulgarian roots.

View profile Visit site → Request intro

Nexi

EU core EEA: Yes Vendor Verified Italy
Payment gatewayClick to Pay

Nexi (Italy; Borsa Italiana-listed 2019) - leading Italian acquirer and issuer processor, formed by merging Nets (2021) and SIA (2022); acquired Computop.

View profile Visit site → Request intro

Paysera

EU core EEA: Yes EMI Verified Lithuania
Card issuing softwarePayment gateway

🏦 Local IBANs: LT

Paysera (Lithuania; since 2012) - LT IBANs, SEPA, multi-currency accounts and cards. EMI LB000251 (Bank of Lithuania).

View profile Visit site → Request intro

Redsys

EU core EEA: Yes Vendor Verified Spain
Payment gatewayClick to Pay

Redsys (Spain; est. 2011) - Spain's interbank processor / switch, owned by Spanish banks (Santander, BBVA, CaixaBank, Sabadell and others); ~90% of Spanish e-commerce, 19.7bn+ transactions and EUR 505bn/yr. Supports cards and Bizum.

View profile Visit site → Request intro
How we picked these. Same product categories as Stripe (Payment gateway, Card issuing software, Agentic payments & commerce, Click to Pay), European origin (EU core or wider Europe), and not defunct. Ranked EU-core first, then by category overlap and verification. This is an objective filter — zero pay-to-rank. Need a tailored shortlist? Request a match and we'll hand-pick three.

FAQ

What is the best European alternative to Stripe?

It depends on which capability you need (Payment gateway, Card issuing software, Agentic payments & commerce, Click to Pay). Fintechnologica lists 9 verified European options above; the top-ranked European-origin match is Adyen (Netherlands). Request a match for a shortlist tailored to your licence, market and EEA requirements.

Are these alternatives fully European / EEA-based?

Each provider shows its origin and EEA data-residency status (Yes / Partial / No). European origin means the company's HQ and lineage are European; the EEA flag reflects where data and the operating rail actually sit. Both are shown so you can judge sovereignty for your own requirements.

How are these verified?

Every provider is verified at source: licence type, regulator and a registry reference — not a marketing page. That is the depth G2 and Capterra don't provide.