European Stripe Alternatives

Complete financial technology platform that combines payments, data analytics, and financial management in a single integrated solution. Built for businesses looking to scale globally and optimize their financial operations.

Accept payments everywhere with support for online, in-app, and point-of-sale transactions. Connect your cross-channel payment data to create superior customer experiences and gain deeper insights into customer behavior across all touchpoints.

Advanced fraud protection uses machine learning to detect and prevent fraudulent transactions at scale without impacting legitimate purchases. Protect your revenue while maintaining smooth customer experiences.

Data-driven insights from millions of transactions help you identify growth opportunities and make smarter business decisions. Access comprehensive analytics to understand where and how to expand your business next.

Financial infrastructure includes banking capabilities, virtual and physical payment cards, and automated fund management. Particularly valuable for platforms and marketplaces needing fast payouts in preferred currencies.

Industry-specific solutions tailored for digital businesses, omnichannel retailers, and platforms. Whether you're optimizing conversion rates, connecting online and offline operations, or building marketplace experiences, the platform adapts to your business model and growth ambitions.

Complete financial infrastructure designed for modern SaaS businesses and indie hackers. Save up to 50% on payment processing fees while handling global operations seamlessly.

Key features include:

• Global Merchant of Record - Handle tax compliance across 100+ countries automatically
• Competitive Pricing - Significant cost savings compared to traditional payment processors
• AI-Powered Fraud Prevention - Advanced risk analysis and fraud detection
• Failed Payment Recovery - Automated systems to recover lost revenue
• Instant Payment Methods - Support for multiple payment options globally
• 24/7 Global Support - Dedicated specialists who understand your business

Perfect for scaling teams who need robust financial infrastructure without the complexity. Handle international payments, currency conversions, VAT/sales tax collection, and compliance automatically. Built specifically for the next generation of efficient companies achieving big outcomes with small teams.

Advanced capabilities include customizable financial workflows, dynamic pricing engines, revenue sharing for partnerships, and AI-powered business insights. Get your complete payment infrastructure running in minutes, not months.

Polar is a comprehensive payment infrastructure platform designed specifically for SaaS and digital product businesses. The platform offers seamless integration with popular frameworks like Next.js, allowing developers to implement secure checkouts in under a minute.

Key Features:

• Framework Adapters: Quick integration with Next.js, BetterAuth, and TypeScript support
• Usage-Based Billing: Automated ingestion strategies including LLM token consumption tracking with Vercel AI SDK support
• Merchant of Record Services: Complete handling of sales tax, VAT, GST, and international compliance
• Automated Product Benefits: License keys, digital downloads, GitHub repository access, and Discord server integration
• Command Line Tools: Bootstrap products and migrate from competitors like LemonSqueezy

The platform excels in simplicity and automation, offering features like integrated customer portals, granular webhook handlers, and detailed transaction ledgers. With Stripe Connect integration for withdrawals and comprehensive analytics, Polar handles the complex aspects of digital commerce while maintaining developer-friendly APIs.

Pricing starts at 4% + 40¢ per transaction with early member rates, making it accessible for businesses of all sizes looking to modernize their payment infrastructure.

Wero enables fast and secure digital payments, allowing you to send and receive money between bank accounts in under 10 seconds, 24/7. It's designed for simplicity and seamless transactions across Belgium, France, and Germany, with all you need being a phone number.

Key benefits include:

• Super fast payments: Transactions complete in less than 10 seconds.
• Always available: Send and receive money day or night, including weekends.
• Easy access: Available to most bank customers in initial launch countries.
• Borderless banking: Effortlessly send money to friends and family across supported European countries.
• Made in Europe: A proudly European solution.

Wero is just getting started, with plans to expand to more European countries like the Netherlands in 2025. Future updates will also introduce capabilities for in-store and online purchases, as well as managing subscriptions directly from your Wero digital wallet. This makes it easier to settle up with family and friends, pay your share for group activities, or quickly reimburse someone.

Mollie provides a comprehensive solution for businesses of all sizes to manage online and in-person payments effortlessly. Powering growth for over 250,000 businesses, from startups to enterprises, it offers a single platform to drive revenue, reduce costs, and simplify financial management.

Key benefits include:

• Effortless Payments: Accept all leading payment methods online and in-person, including innovative options like Tap to Pay on iPhone.
• Simplified Finances: Manage payments, subscriptions, financing, reconciliation, and fraud prevention all in one place.
• Business Growth: Increase conversion with a personalized checkout experience and get paid faster using secure payment links.
• Seamless Integration: Connect easily with prebuilt integrations for popular ecommerce platforms and tech stacks, or utilize ready-to-go client and server libraries.
• Dedicated Support: Access industry-leading support whenever your business requires it.

Use the centralized dashboard for managing payments, gaining insights, accessing funding, and streamlining accounting. This platform helps you accept online payments, set up terminals for in-person transactions, simplify subscription billing, and effectively combat fraud.

This platform offers a comprehensive solution for businesses aiming to optimize their payment processes and drive growth. It provides a global payments network with local acquiring capabilities in over 50 countries, enabling businesses to accept payments online and disburse funds efficiently. Key advantages include:

• Increased acceptance rates: Demonstrated improvements such as a 6% uplift in specific European markets and a general 4.15% increase.
• Robust fraud protection: Utilizes AI and a flexible fraud engine to secure transactions and ensure compliance in a dynamic regulatory environment.
• Unified platform: A single API grants access to a full suite of modular payment capabilities, including global payins/payouts, risk management, and performance optimization tools.
• Enhanced customer experience: Facilitates seamless transactions with support for major card schemes and popular local payment methods worldwide.

The system is built on a highly resilient, cloud-native architecture with self-healing capabilities, ensuring reliable uptime. Businesses can manage and monitor money movement worldwide through an intuitive dashboard, benefiting from transparent pricing and dedicated expertise to unlock revenue.

Klarna helps you save by comparing prices on 3.4 million products from 6,400 Spanish stores. Discover the best deals and choose how you want to pay: immediately, in 30 days, or in flexible installments (3, 6, or 12 months). Shop with confidence online, in your favorite physical stores using the app, or directly within the Klarna app itself.

Key benefits include:

• Flexible Payments: Tailor your payments to your budget.
• Interest-Free Options: Pay on time and avoid interest on select plans.
• Simple Checkout: Enjoy a quick and hassle-free payment process.
• Security and Buyer Protection: Shop securely knowing your purchases are protected.
• Cashback and Exclusive Offers: Get more value with cashback and special deals available in the app.
• Save and Manage Finances: Some account options allow you to save and earn interest.

Control your spending, find great deals, and enjoy a smoother shopping experience.