European alternatives to Stripe
Stripe is a US-headquartered provider (Payment gateway, Card issuing software, Agentic payments & commerce, Click to Pay); EEA data residency: No. For teams weighing European digital sovereignty — European origin and ownership, outside the direct reach of the US CLOUD Act — here are 9 verified European providers covering the same ground.
Who you would be replacing: Stripe (US) - PSP with issuing via partner banks (US/EU) and strong developer experience; EU IBANs limited. Agentic-ready - co-developed the Agentic Commerce Protocol (ACP) with OpenAI and a Machine Payments Protocol (MPP) with Tempo/Visa.
EEA data residency: No. Licence class in the catalogue: EMI. Licences in the official EEA/UK registers: E-money institution (EMI) - Central Bank of Ireland (Ref C187865). Verified profile of Stripe →
9 verified European alternatives
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).
Local IBANs: LT
Paysera (Lithuania; since 2012) - LT IBANs, SEPA, multi-currency accounts and cards. EMI LB000251 (Bank of Lithuania).
Enfuce (Finland) - card-as-a-service and BIN sponsorship across the EEA and UK; Visa & Mastercard Principal Member. Dual EMI (FIN-FSA + UK FCA, via Enfuce License Services). Visa holds a stake.
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.
Local IBANs: LU
Mangopay (Mangopay S.A., Luxembourg) - marketplace and platform payments with per-user virtual IBANs. EMI, CSSF.
Pliant (Germany) - corporate credit cards as a service, issued on its own regulatory setup. EMI and Visa Principal Member (EU).
Local IBANs: FR DE ES IT NL BE
Swan (France) - embedded banking, accounts and card issuing; Mastercard Principal Member sponsoring embedded card programmes. EMI, ACPR (ref 86245).
Local IBANs: GR
Viva.com (Greece) - payments, card issuing and business accounts across the EEA-31 and UK; ALL account IBANs are Greek (GR) - help centre (Jan 2026): "the option to select or issue a local IBAN is not supported" (earlier local-IBAN positioning withdrawn; the account product page no longer mentions IBANs at all). Greek banking licence (VIVABANK SA) + EMI, Bank of Greece; JPMorgan majority owner.
Local IBANs: EE
Wallester (Estonia) - card issuing and BIN sponsorship; Visa Principal Member (since 2018), Mastercard via partner. Estonian FSA payment institution; UK entity holds an FCA EMI. Wallester Business EUR IBAN accounts (issued via LHV Bank, EE).
FAQ
Which European providers cover the same products as Stripe?
Fintechnologica lists 9 verified European providers that share Stripe's product categories (Payment gateway, Card issuing software, Agentic payments & commerce, Click to Pay). They are ordered by verified overlap - product categories first, then licence class, MiCA authorisation and documented capabilities, European-origin first - so the order is a relevance filter, not a quality ranking. Which one fits depends on your markets, licence model and volumes; a match request answers that with three named providers.
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.