Stripe vs SumUp: Who Protects Your Payment Data Better?
Explore the data privacy and security features of Stripe (US) and SumUp (GB) to decide which payment solution suits your needs in today's digital age.
Should You Switch to SumUp?
Gain full GDPR compliance and no Cloud Act exposure with SumUp.
Lose advanced features like subscription billing and developer APIs.
Switch if privacy is a priority; stay with Stripe for advanced features.
At a Glance
US data laws
GDPR protected
Stripe
freemium
SumUp
freemium
Privacy & Compliance Comparison
Critical data sovereignty factors at a glance
| Criteria | Stripe | SumUp |
|---|---|---|
Server Location | US (AWS), EU (optional) | EU |
GDPR Compliance | Partial (SCCs) | Full |
Open Source | ||
E2E Encryption | Optional | Optional |
Data Portability | Partial | Partial |
CLOUD Act Notice
Stripe is a US company and must comply with CLOUD Act data requests, even for data stored in EU data centers. SumUp is not subject to US jurisdiction.
Stripe
🇺🇸Stripe Inc.
SumUp
🌍SumUp Limited
US Data Storage
Data subject to US CLOUD Act and may be accessed by US authorities
EU Data Protection
Data protected under GDPR with EU-only data residency
Certifications & Compliance
No certifications listed
Reasons to Switch
- ✓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.
Things to Consider
- !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.
Migration Overview
Depends on data size and complexity
Quick Steps
Create SumUp account and configure settings
Export and prepare data from Stripe
Import data, test integrations, and migrate users
Note: SumUp is more focused on mobile and in-person payments, which may require significant changes for online-only businesses.
Other alternatives to Stripe
Ready to make the switch?
Start using SumUp today and take control of your data privacy.