8 free and freemium payment & fintech — GDPR-compliant, no credit card required
Generous free tiers with optional paid upgrades — 8 products
For most individuals and small teams, the free EU payment & fintech listed above cover all essential features. If you need enterprise-level capabilities, browse all Payment & Fintech including paid options.
Looking for a free replacement? These EU tools can replace popular US services at no cost.
The payment & fintech listed here offer generous free plans that cover most personal and small-team use cases. They also offer paid plans for teams or advanced features. There is no hidden cost to get started.
Freemium payment & fintech offer a free tier with core features, but limit certain capabilities such as storage space, number of users, or advanced functionality. The free plan is typically sufficient for personal use or small teams. If you outgrow it, you can upgrade to a paid plan -- but unlike US freemium services, these EU-based products do not monetize your personal data.
The best free payment & fintech depends on your needs. Wise is our top-rated option based on quality score, features, and user feedback. SumUp is also excellent. All listed products are EU-based and GDPR-compliant, so your data stays protected regardless of which you choose.
Many free EU payment & fintech are comparable to or better than their US counterparts for core features. The main advantage is that EU-based services are natively GDPR-compliant and do not sell your data or expose it to US surveillance laws. While some US products may have larger ecosystems, the free EU alternatives listed here cover the essential features most users need.
