PayPal Alternatives

Discover 23 sovereign European alternatives to PayPal with European data residency and digital sovereignty.

Why Switch from PayPal to an EU Alternative?

  • Data stored in the EU - Your data never leaves European borders
  • Built with GDPR in mind - Privacy-first design
  • Digital sovereignty - Reduce dependency on non-EU tech providers
  • Self-hosting options - Many alternatives offer on-premise deployment

European PayPal Alternatives (23)

  • GoCardless

    Direct debit payments platform.

    📍 United Kingdom • Accounting & Finance
  • iBanFirst

    A financial services platform (PSP) providing cross-border payments, currency exchange, and risk management solutions for international businesses.

    📍 Belgium • Accounting & Finance
  • Paysera

    Payments and finance services.

    📍 Lithuania • Accounting & Finance
  • Qonto

    Business banking for SMEs.

    📍 France • Accounting & Finance
  • Zettle by PayPal

    Zettle by PayPal is on a mission to help small businesses succeed in a world of giants. Founded in Stockholm in 2010, the financial technology company revolutio

    📍 Sweden • Accounting & Finance
  • Zaver

    Zaver is a Swedish fintech redefining the future of finance with innovative services we’d want to use ourselves. Trusted by Porsche, Loewe, Trek, Tibber, and mo

    📍 Sweden • E-commerce
  • SOFORT

    Sofort: Direct payment via online banking When shopping online, select Online Bank Transfer with Sofort as the payment method. This automatically redirects you

    📍 Germany • Accounting & Finance
  • Zimpler

    On paper, we’re a market-leading provider of instant bank payments, authorized by Sweden’s financial supervisory authority. But really, we’re Zimpler – literal

    📍 Sweden • E-commerce
  • Valuno

    At Valuno we're shaping the future of finance. Founded in 2016, we're a Swedish fintech company on a mission to make cryptocurrency an integral part of everyd

    📍 Sweden • Accounting & Finance
  • Revolut Business

    Business banking and cards.

    📍 Lithuania • Accounting & Finance
  • Adyen

    Payment platform for enterprises.

    📍 Netherlands • Accounting & Finance
  • bunq

    We are bunq, bank of The Free. We’re here to break free from the status quo, and create a bank with our users in mind. Giving them the freedom to live life on t

    📍 Netherlands • Accounting & Finance
  • Unzer

    Payments platform for merchants and platforms.

    📍 Germany • Accounting & Finance
  • Wise

    International payments and business accounts.

    📍 United Kingdom • Accounting & Finance
  • Paysafe

    ItStartsHere. For 29 years, Paysafe has been a leading payments platform, enabling merchants and consumers to connect and transact seamlessly. Supporting 260 p

    📍 United Kingdom • E-commerce
  • Payrexx – Digital Payments

    Payrexx has been operating as a Swiss payment service provider since 2015 and specializes in technical payment processing in the area of online payment methods.

    📍 Switzerland • E-commerce
  • Klarna

    Payments and checkout platform.

    📍 Sweden • Accounting & Finance
  • Swan

    Swan is the leading European fintech specialized in embedded banking. Companies of all kinds can unlock the full potential of their product by embedding Swan's

    📍 France • E-commerce
  • TrueLayer

    TrueLayer is Europe’s leading open banking payments network. We power smarter, safer and faster online payments by combining real-time bank payments with fina

    📍 United Kingdom • E-commerce
  • Solvimon

    Solvimon is the EU's billing infrastructure for companies that have outgrown Stripe. One system handles hybrid pricing, AI credits, multi-entity invoicing, and enterprise contracts — no glue code, no reconciliation spreadsheets. Built by the team behind Adyen's billing engine. Companies like Yapily, Hawk:ai, Gigs and Booking.com use it to launch pricing faster and close books on time.

    📍 Netherlands • Accounting & Finance
  • Aircash

    Aircash is a mobile digital wallet providing instant money transfers, payments, and gift cards, enabling users to manage cash and digital transactions in one app.

    📍 Croatia • Accounting & Finance
  • Field39

    Field39 provides cutting-edge, cloud-based payment infrastructure solutions through its Cloud39 platform to ensure seamless and secure transaction processing.

    📍 Croatia • Accounting & Finance
  • Riverty

    A financial services provider offering flexible payment solutions: Buy Now Pay Later, monthly billing, and installments for consumers and merchants.

    📍 Germany • Accounting & Finance

Frequently Asked Questions

What are the best European alternatives to PayPal?
The top European alternatives to PayPal include GoCardless, iBanFirst, Paysera. All are sovereign, EU-built options with European data hosting.
Do these PayPal alternatives offer EU data residency?
Yes, the European alternatives listed on European Tech Map are EU-built and offer European data hosting options to keep your data in the EU. Many are also built with GDPR in mind.
Can I self-host these PayPal alternatives?
Many European alternatives offer self-hosting options for complete data control. Check each company's page for specific deployment options.
Why switch from PayPal to a European alternative?
European alternatives offer digital sovereignty, EU data residency, independence from US tech, and often stronger privacy protections than US-based services.

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