Leaving Stripe? Here's everything you need
Compare 4 EU alternatives side-by-side. Find the right fit based on migration difficulty, pricing, and privacy features.
Your data may be subject to US surveillance laws
Stripe is headquartered in the US. Under the CLOUD Act and FISA Section 702, US authorities can access your data without your knowledge. Switch to an EU alternative to keep your data protected under GDPR.
All EU Alternatives at a Glance
| Alternative | Country | Pricing | Difficulty | Time Estimate | Actions |
|---|---|---|---|---|---|
MollieRecommended Mollie is a payment service provider that facilitates online transactions for businesses. It supports various payment methods, including credit cards and digital wallets, to help streamline the checkout process. The platform offers easy integration with websites and provides tools for managing payments and analytics. | 🇳🇱Netherlands | Free plan available | Medium | 2-4 hours | |
AdyenRecommended Dutch payment platform providing end-to-end infrastructure for accepting payments anywhere in the world. | 🇳🇱Netherlands | Free plan available | Medium | 2-3 days | |
GoCardless GoCardless is a payment processing platform that enables businesses to collect recurring payments directly from customers' bank accounts via Direct Debit. It simplifies the billing process, reduces transaction fees, and offers secure payment collection. Ideal for subscription services and invoice-based businesses. | 🌍GB | Free plan available | Medium | 2-4 hours | |
SumUp SumUp is a mobile payment processing solution designed for small businesses. It allows merchants to accept card payments via a card reader connected to a smartphone or tablet. The service includes a user-friendly app for sales tracking and reporting, enabling efficient management of transactions and finances. | 🌍GB | Free plan available | Medium | 2-3 days |
Our Top Picks
Best for Privacy
Mollie is a payment service provider that facilitates online transactions for businesses. It supports various payment methods, including credit cards and digital wallets, to help streamline the checkout process. The platform offers easy integration with websites and provides tools for managing payments and analytics.
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Migration difficulty data is being enriched for these alternatives.
Detailed Comparison of Each Alternative
Mollie is a payment service provider that facilitates online transactions for businesses. It supports various payment methods, including credit cards and digital wallets, to help streamline the checkout process. The platform offers easy integration with websites and provides tools for managing payments and analytics.
Advantages
- Mollie has no setup fees, reducing initial costs for businesses.
- Mollie supports multiple payment methods, including local EU options.
- Mollie's dashboard analytics provide clear insights into transactions.
- Mollie is fully GDPR compliant, ensuring data protection for EU customers.
Trade-offs
- Migrating from Stripe may involve complex data transfer processes.
- Mollie lacks some advanced fraud detection tools found in Stripe.
- Learning Mollie's API may require time for developers familiar with Stripe.
Dutch payment platform providing end-to-end infrastructure for accepting payments anywhere in the world.
Advantages
- Adyen offers unified commerce for online and offline payments.
- Full GDPR compliance ensures data protection for EU customers.
- Adyen provides detailed data insights for better decision-making.
- Risk management tools are integrated for enhanced fraud detection.
Trade-offs
- Migration from Stripe may require significant development resources.
- Adyen's interface has a steeper learning curve for new users.
- Some features like subscription billing are less flexible than Stripe.
GoCardless is a payment processing platform that enables businesses to collect recurring payments directly from customers' bank accounts via Direct Debit. It simplifies the billing process, reduces transaction fees, and offers secure payment collection. Ideal for subscription services and invoice-based businesses.
Advantages
- GoCardless offers lower transaction fees for direct debits, averaging 1% + £0.20.
- Direct debit payments with GoCardless have a 98% success rate on first attempt.
- GoCardless is fully GDPR compliant, ensuring data protection for EU customers.
- Open banking integration allows for faster payments and better cash flow management.
Trade-offs
- Migrating from Stripe may require significant developer resources and time.
- GoCardless lacks advanced fraud detection features available in Stripe.
- Limited support for credit card payments compared to Stripe's offerings.
SumUp is a mobile payment processing solution designed for small businesses. It allows merchants to accept card payments via a card reader connected to a smartphone or tablet. The service includes a user-friendly app for sales tracking and reporting, enabling efficient management of transactions and finances.
Advantages
- No monthly fees with SumUp, unlike Stripe's variable costs.
- SumUp offers mobile POS with card readers for on-the-go payments.
- Invoicing feature in SumUp simplifies billing without extra tools.
- SumUp is fully GDPR compliant, ensuring data protection in the EU.
Trade-offs
- Migration may disrupt payment processing during the switch.
- Stripe's advanced fraud detection is not matched by SumUp.
- Limited developer APIs in SumUp compared to Stripe's extensive options.
Before You Switch
Export your data from Stripe before you start the migration. This ensures you have a backup and makes the transition smoother.
General Data Export Steps
- 1Log into your Stripe account and navigate to Settings or Privacy.
- 2Look for "Download your data", "Export", or "Data portability" options.
- 3Select all data you want to export and choose a standard format (ZIP, CSV, JSON).
- 4Wait for the export to complete — large accounts may take hours or days.
- 5Download and verify the export before proceeding with migration.
Under GDPR Article 20, you have the right to data portability. Stripe is required to provide your data in a structured, commonly used format upon request.
Frequently Asked Questions
What are the best EU alternatives to Stripe?
There are 4 European alternatives to Stripe. Mollie, Adyen, GoCardless are among the top-rated options. All are GDPR-compliant and store your data in European data centers.
How long does it take to switch from Stripe?
Migration time varies by alternative. Most migrations can be completed in under an hour with our step-by-step guides. We provide detailed migration guides for each alternative.
Can I export my data from Stripe?
Yes, most services including Stripe allow you to export your data. Check the settings or privacy section of your Stripe account for data export options. GDPR also grants you the right to data portability.
Is switching from Stripe to an EU alternative safe?
Yes, switching is safe when done correctly. We recommend: 1) Export your data from Stripe first, 2) Set up the new EU service, 3) Import your data, 4) Run both services in parallel for a transition period, 5) Update any linked accounts or integrations, and 6) Cancel your Stripe subscription only after verifying everything works.
Why should I switch from Stripe to an EU alternative?
EU alternatives provide stronger privacy protection under GDPR, keep your data in European data centers, and are not subject to US surveillance laws like the CLOUD Act or FISA Section 702. By switching, you gain true data sovereignty and support European tech innovation.