15 Best European Stripe Alternatives in 2026

Adyen is a global payments platform built for enterprises that need unified payment acceptance, data intelligence, and embedded financial products under one roof. Processing over €1.4 trillion annually with 99.999% uptime, it connects merchants to every payment method and market through a single integration.

The platform unifies in-store, online, and mobile payments with card issuing, payout capabilities, and risk management in a single API. 150+ currencies and 200+ local payment methods are available natively — no third-party aggregators needed — making Adyen the infrastructure layer for the world's leading businesses.

Key benefits:

• Unified payment platform covering online, in-store, and mobile in one integration
• 200+ local payment methods including cards, digital wallets, and bank transfers
• Card issuing for embedded financial products under your own brand
• Fraud and risk management with real-time scoring and authentication tools
• Data and analytics for cross-channel payment performance insights
• Global settlements across 150+ currencies with automated reconciliation

Adyen is headquartered in Amsterdam, Netherlands, founded in 2006, and holds EU, UK, and US banking licences. Listed on Euronext Amsterdam and subject to Dutch and EU financial regulation, it processes payments from European data centres with full GDPR compliance.

Mollie is a European payment service provider making it straightforward for businesses of every size to accept payments online and in person. It consolidates cards, SEPA transfers, iDEAL, PayPal, and dozens of local European methods behind a single clean API — with transparent per-transaction pricing and no hidden fees.

Beyond standard checkout, Mollie supports subscription and recurring billing, payment links, embeddable invoicing, and Tap to Pay on iPhone. Over 250,000 businesses use Mollie's unified dashboard to manage transactions, reconcile accounting, and access embedded financing through Mollie Capital.

Key benefits:

• 30+ payment methods including iDEAL, SEPA, Bancontact, and international cards
• Recurring billing for subscriptions and usage-based charging
• Payment links and invoicing for quick, no-checkout payment collection
• Fraud prevention with acceptance optimisation built in
• Embedded financing through Mollie Capital for eligible merchants
• Unified dashboard for transactions, insights, and accounting reconciliation

Mollie is headquartered in Amsterdam, Netherlands, founded in 2004, and regulated as a licensed Payment Institution under Dutch and EU financial law. It operates under GDPR and stores data within EU infrastructure, giving European merchants full compliance without extra configuration.

Payplug is a French payment gateway trusted by 18,000+ merchants for online and in-store payment acceptance across France and Europe. With native connectivity to Cartes Bancaires through parent company Groupe BPCE, it delivers 92.5% average net acceptance rates that international processors struggle to match on French card schemes.

The platform processes over €10.9 billion annually and provides a unified Cockpit dashboard for managing financial flows, fraud prevention, and omnichannel commerce. Its 3D Secure 2 implementation achieves 83% frictionless authentication across issuers — reducing cart abandonment while maintaining PSD2 compliance.

Key benefits:

• Cartes Bancaires native support via Groupe BPCE for superior French card acceptance
• 92.5% net acceptance rate across the merchant base
• Unified Cockpit dashboard centralising online and in-store financial flows
• Frictionless 3DS2 achieving 83% passwordless authentication
• Fraud prevention with adaptive scoring and chargeback management
• Omnichannel integration across e-commerce, in-store, and mobile channels

Payplug is headquartered in Paris, France, and is a subsidiary of Groupe BPCE, one of France's two largest banking groups. All payment data is processed under French and EU financial regulation with GDPR-compliant infrastructure and dedicated French customer support.

Secupay is a German payment service provider specialising in secure payment processing for e-commerce and point-of-sale environments. It offers multi-channel payment solutions for retailers and platforms, integrating online checkout, in-store card acceptance, and customer loyalty programmes into a single provider relationship.

Secupay supports multi-merchant platform models alongside standalone retailer integrations, offering white-label payment capabilities and customisable checkout flows. Its solutions are built for the DACH market with German-language support and PCI DSS-aligned processing for card transactions across all channels.

Key benefits:

• Multi-channel payments spanning e-commerce and POS terminals
• Customer loyalty programmes integrated directly into the payment flow
• Multi-merchant support for platforms and marketplace operators
• White-label capabilities for branded payment experiences
• DACH market focus with German-language support and local expertise
• PCI DSS-aligned processing for compliant card acceptance

Secupay AG is headquartered in Munich, Germany, operating as a licensed payment institution under BaFin, Germany's Federal Financial Supervisory Authority. All data processing takes place within the EU under GDPR and PSD2, ensuring compliance for German and European merchants.

Stancer is a French API-first payment platform backed by Iliad, the telecommunications group behind Free. Designed as a native European alternative to US payment processors, it offers competitive transaction rates, card tokenisation, and online checkout integration with GDPR compliance built in by design.

The Stancer API supports TLS 1.2 and HTTP/2, with libraries for major languages and full documentation for custom integrations. Card-on-file tokenisation enables recurring and subscription billing without merchants storing raw card data, while a physical Verifone terminal option extends the same API experience to in-store payments.

Key benefits:

• Card tokenisation for recurring billing without storing sensitive card data
• Developer API with TLS 1.2, HTTP/2, and multi-language SDKs
• Recurring and subscription billing via card-on-file tokens
• In-store terminal support alongside the online API
• GDPR-native compliance with European data residency by default
• Competitive pricing as a direct European alternative to US processors

Stancer is headquartered in France and built entirely within the EU, offering European data residency as a core feature. As a subsidiary of the French group Iliad, it operates under Banque de France oversight and PCI DSS compliance — a privacy-first payment infrastructure for European developers.

Payone is a German payment service provider delivering card acceptance and omnichannel commerce solutions for retail, hospitality, gastronomy, and e-commerce. Merchants can start accepting payments from €0/month on the promotional plan, scaling to full POS system integration with Tillhub or helloTESS! at higher subscription tiers.

The platform covers every payment scenario from Tap on Mobile — turning any NFC-enabled smartphone into a card reader — to full POS integration with inventory management and receipts. The Payone e-commerce gateway connects to Shopify, WooCommerce, and major German platforms, while PAYONE MOTO handles mail-order and telephone-order payments.

Key benefits:

• Tap on Mobile turns any smartphone into a contactless card reader
• POS terminal solutions with Tillhub and helloTESS! integrations
• E-commerce gateway for Shopify, WooCommerce, and German platforms
• Mail/telephone order (MOTO) for direct sales without a physical terminal
• Industry-specific solutions for retail, gastronomy, and healthcare
• Flexible subscription plans starting at €0/month

Payone is headquartered in Frankfurt am Main, Germany, regulated as a payment institution under BaFin, and is a subsidiary of the DSGV (German Savings Banks Association). All payment processing meets PCI DSS, PSD2, and GDPR requirements with data centres located in Germany and the EU.

Paytrail is Finland's most established online payment provider, enabling merchants to accept all Finnish and international payment methods through a single merchant agreement and integration. Covering bank transfers, mobile pay, card payments, and invoice or instalment services, it eliminates the complexity of managing multiple provider relationships.

Beyond standard checkout, Paytrail offers card tokenisation for one-click and recurring payments, a shop-in-shop model for multi-merchant platforms, and a mobile SDK for in-app payment flows — all backed by 99.98% service availability and Finnish-language support.

Key benefits:

• All Finnish payment methods under one merchant agreement
• Card tokenisation for one-click checkout and recurring billing
• Shop-in-shop model for marketplaces and multi-merchant platforms
• Mobile SDK for seamless in-app payment acceptance
• Merchant financing options for eligible businesses
• No setup fee with month-to-month cancellation

Paytrail is headquartered in Jyväskylä, Finland, and has operated since 2007 as a regulated payment institution under the Finnish Financial Supervisory Authority (FIN-FSA). As an EU-licensed PSP, all payments are processed under GDPR and EU financial regulation with customer data hosted in Europe.

QuickPay is a Danish payment gateway serving 30,000+ merchants across Scandinavia with over 4 million transactions processed every month. It accepts all major card schemes alongside local Nordic payment methods — MobilePay, Vipps, and Swish — and integrates out of the box with Shopify, WooCommerce, Magento, and PrestaShop.

The platform offers a RESTful API for developers building custom checkout experiences, alongside hosted payment forms and POS solutions for in-person sales. Multi-currency processing and support for alternative payment methods make it well-suited for Nordic merchants expanding across borders.

Key benefits:

• Local Nordic methods including MobilePay, Vipps, and Swish
• Visa, Mastercard, and Apple Pay for international card acceptance
• RESTful API for custom checkout and integration development
• E-commerce platform integrations for Shopify, WooCommerce, and Magento
• POS solutions for in-person card acceptance
• Multi-currency support for cross-border Nordic commerce

QuickPay is headquartered in Copenhagen, Denmark, operating under the Danish Financial Supervisory Authority (Finanstilsynet) and EU PSD2 regulation. Customer data is processed within the EU with full GDPR compliance, making it a trusted payment infrastructure for Danish, Norwegian, and Swedish merchants.

Worldline is one of the world's largest payment service providers, serving 1.4 million merchants and financial institutions across 170 countries. Headquartered in France and ranked the #4 largest PSP worldwide, it delivers in-store, online, and cross-border payment processing alongside card issuing, open banking (PSD2), ATM management, and digital currency solutions.

The platform covers retail, hospitality, mobility, petrol, and public sector verticals with dedicated payment products and terminals for each. Financial institutions benefit from Worldline's card issuing, account payment rails, and ATM network management, while merchants access omnichannel checkout, cross-border acquiring, and real-time transaction analytics.

Key benefits:

• Omnichannel merchant solutions spanning in-store, online, and mobile
• Card issuing and acquiring for financial institutions and enterprise merchants
• Open banking and PSD2 services for account-to-account payments
• ATM management for banks and independent deployers
• Cross-border payments across 170 countries and multiple currencies
• Industry-specific terminals for retail, hospitality, mobility, and public sector

Worldline is headquartered in Paris, France (Tour Voltaire, La Défense), listed on Euronext Paris, and subject to full EU financial regulation. With approximately 18,000 employees and infrastructure across Europe, all data processing meets GDPR requirements and EU payment directives.

Unzer is a German payment platform unifying online, mobile, and point-of-sale payment acceptance for European businesses. Born from the merger of 13 specialised payment companies and originally founded as Heidelpay in 2003, it offers the UnzerOne modular platform — a single integration covering cards, digital wallets, alternative methods, and Buy Now Pay Later across all channels.

UnzerOne accepts payments via a unified API serving web checkouts, native mobile apps, and POS hardware terminals from the same integration point. Recurring payment flows are natively supported for subscriptions, with transaction management tools and analytics available through a centralised merchant dashboard.

Key benefits:

• UnzerOne unified platform covering online, mobile, and POS from one API
• Cards, wallets, and BNPL across all supported payment methods
• POS hardware terminals with NFC and EMV card support
• Recurring payments and subscription billing built in
• Centralised merchant dashboard for transaction management and analytics
• Multi-country support across Germany, Austria, Denmark, and Luxembourg

Unzer is headquartered in Berlin, Germany, with offices in Austria, Denmark, and Luxembourg, and is licensed as a payment institution under BaFin. Operating since 2003, it serves European merchants under PCI DSS, PSD2, and GDPR compliance with all data centres located in the EU.

Viva Wallet is a cloud-native European payment platform and licensed bank headquartered in Athens, Greece. It serves merchants across 24 European countries with tap-to-device payments, card issuing, business accounts with local IBANs, and merchant cash advance — all built on a proprietary, fully cloud-based infrastructure with no legacy hardware dependencies.

The platform offers an omnichannel payment gateway for online stores, a POS application for in-store sales, and virtual debit card issuance from the same business account. Smart Checkout optimises conversion across device types, while open API access lets developers embed Viva Wallet's financial services into any application.

Key benefits:

• Tap-to-device payments using any Android or iOS device as a POS terminal
• Business IBAN accounts with local account numbers across 24 countries
• Card issuing for virtual and physical Mastercard debit cards
• Merchant cash advance for eligible businesses based on transaction history
• Online payment gateway with Smart Checkout conversion optimisation
• Open API for embedding financial services in custom applications

Viva Wallet is regulated as an EU-licensed banking institution by the Bank of Greece and is subject to full EU banking, PSD2, and GDPR compliance. Founded in 2010 and recognised as Greece's first fintech unicorn after a 2022 partnership with J.P. Morgan, it operates cloud infrastructure across EU data centres.

ePay is a European payment gateway created, owned, and operated entirely in Europe, offering merchants flexible checkout with support for 13+ payment methods — cards, Apple Pay, Google Pay, MobilePay, Klarna, Vipps, Swish, and more. Its multi-acquirer architecture avoids vendor lock-in by routing transactions through multiple providers to maximise acceptance rates.

The platform provides a customisable checkout window with no coding required, embedded payment blocks for direct website integration, payment links via email, and a comprehensive back-office dashboard. Pre-built integrations connect to Shopify, WooCommerce, Magento, and most major e-commerce platforms out of the box.

Key benefits:

• Multi-acquirer routing to maximise acceptance without vendor lock-in
• 13+ payment methods including cards, wallets, and Nordic local methods
• Custom checkout window — brandable with no coding required
• Embedded payment blocks for seamless website integration
• Payment links by email for invoice and remote payment collection
• Transparent pricing from €11/month with no hidden fees or long-term contracts

ePay is headquartered in Copenhagen, Denmark — "created, owned and operated in Europe" — operating under Danish Financial Supervisory Authority oversight and EU PSD2 regulation. Free testing is available with no credit card required, and all transaction data is processed within the EU under GDPR.

Outpost provides Merchant of Record and Tax of Record infrastructure, enabling businesses to sell globally while Outpost assumes all legal, tax, and compliance liability. By establishing dedicated local entities in each target market — rather than pooling merchants together — it unlocks region-specific payment methods like PIX (Brazil) and UPI (India) with approval rates 25–40% higher than shared MoR providers.

The Tax of Record service handles VAT, GST, and Sales Tax registration, real-time calculation, and filing across LATAM, EU, USA, and APAC — with Outpost accepting full audit liability and covering any penalties incurred. AI-powered compliance monitoring continuously tracks regulatory changes and adjusts processes automatically.

Key benefits:

• Dedicated local entities per market — no pooled merchant structures
• 25–40% higher approval rates via localised payment routing
• Local payment methods including PIX, UPI, and region-specific options
• VAT/GST/Sales Tax filing across LATAM, EU, USA, and APAC
• Full audit liability coverage — Outpost pays any penalties incurred
• AI compliance monitoring for real-time regulatory change detection

Outpost operates across LATAM, EU, USA, and APAC jurisdictions, establishing legal entities in each market to maximise payment performance and compliance coverage. Its EU infrastructure enables GDPR-compliant processing for European merchants, with dedicated legal teams handling local regulatory requirements in every supported region.

Checkout.com is a global end-to-end payment services provider processing transactions for enterprise merchants across 150+ currencies and a broad range of local payment methods. Its Unified Payments API covers online acceptance, payout disbursement, card issuing, fraud detection, and identity verification — replacing a fragmented stack with a single integration.

The Intelligent Acceptance module applies machine learning to maximise transaction approval rates in real time, while Flow provides customisable checkout UI blocks optimised across devices. Risk management and 3D Secure authentication operate simultaneously, reducing both fraud and friction at checkout.

Key benefits:

• Unified Payments API for acceptance, payouts, issuing, and verification
• Intelligent Acceptance — AI-driven optimisation of transaction approval rates
• Custom Flow checkout blocks for branded, conversion-optimised UIs
• Fraud detection and 3DS authentication in a single integrated layer
• Card issuing and payouts for embedded financial product use cases
• 150+ processing currencies with global local payment method coverage

Checkout.com is headquartered in London, UK, with offices across 19 global locations, and was named a Leader in the Forrester Wave for Merchant Payment Providers (Q1 2026). European merchant data is processed in compliant infrastructure across its global data centre network.

Polar is a developer-first billing platform for AI companies and SaaS products, providing usage-based billing with event ingestion that tracks API calls, token consumption, and any custom metric. With open-source roots and framework adapters for Next.js, BetterAuth, and TypeScript, it delivers production-ready billing in hours rather than weeks.

The platform acts as a global Merchant of Record, handling VAT and GST compliance and chargeback management so developers focus on the product, not tax filings. Subscription tiers, one-off purchases, and customer lifecycle management are fully automated, with feature flags tied directly to subscription status.

Key benefits:

• Usage-based billing with event ingestion for API calls and token tracking
• Subscription tier management with automatic feature flag assignment
• Merchant of Record — Polar files taxes globally on your behalf
• Global VAT/GST compliance across all major jurisdictions
• One-off purchases alongside recurring subscription products
• Open-source SDKs for Next.js, TypeScript, and BetterAuth integration

Polar is a Swedish company with a transparent, developer-friendly pricing model — 4% + $0.40 per transaction with no monthly or setup fees. As a global Merchant of Record, it handles EU VAT compliance for European sales alongside international tax jurisdictions, making it straightforward for European developers to monetise software globally.