Category: Payments

8 European alternatives to Klarna — GDPR-compliant & EU-hosted.

Swedish buy-now-pay-later fintech providing flexible payment options for consumers and merchants

Visit website ↗Assessment

Facts

Headquarters: SE (EU)
Category: Payments
Type: Product
GDPR-compliant: Yes
Open-source: No
Data hosting: EU

Top EU-based & GDPR-compliant alternatives to Klarna

Adyen
Dutch global payments platform serving enterprise merchants with unified commerce
NL · commercial
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Alma
French payment platform for instalment payment and buy-now-pay-later
FR · commercial
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Bancontact Company
Belgian debit card payment scheme and mobile payment provider used across Belgium
BE · commercial
↗
Billie
German B2B payment platform for buy-now-pay-later and trade financing
DE · commercial
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BLIK
Polish mobile payment platform for online and contactless payments
PL · commercial
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Brite Payments
Swedish payment platform for direct bank payments and instant payouts
SE · commercial
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Buckaroo
Dutch payment service provider offering a wide range of payment methods for online merchants
NL · commercial
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CCV
CCV is a Dutch payment solutions provider (terminals, acquiring, online payments) serving 600,000+ businesses in NL, BE and DE. Since March 2025 a wholly owned subsidiary of US-based Fiserv (NYSE: FI).
NL · commercial
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Frequently asked questions

What is the best European alternative to Klarna?

It depends on your use case. Strong EU alternatives to Klarna include Adyen, Alma and Bancontact Company. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to Klarna?

Our list of EU alternatives to Klarna is mostly commercial options. Browse the category on the map for open-source choices.

Is Klarna GDPR-compliant and where is the data hosted?

Klarna is headquartered in SE (EU) and hosts data in EU. That makes Klarna an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

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