The European Stripe alternative
Stripe locks your tokenized cards inside its own network. PCI Proxy gives you the same PCI scope reduction with 100% EU data residency, portable tokens that work with any processor, and transparent interchange++ pricing from 0.45%.
Why European teams choose PCI Proxy over Stripe
Same PCI scope reduction — with EU-only data storage, tokens that work with any acquirer, and pricing you can read without a sales call.
EU data residency
Card data is stored only in European data centres. No transatlantic transfers — simpler GDPR compliance for EU merchants and their customers.
Processor-agnostic tokens
PCI Proxy tokens work with Stripe, Adyen, Nexi, or any other acquirer. Switch or multi-home processors without re-collecting card data.
Transparent IC++ pricing
Interchange++ from 0.45%, published and itemised. No blended rates, no hidden markups — just the real cost of each transaction.
Vault and acquiring in one
Use PCI Proxy as a standalone vault with your existing PSP, or add our acquiring engine and run everything from one European provider.
Every collection channel
Hosted fields, mobile SDKs, MOTO phone collection, email payment links, and API — far beyond Stripe's web-only hosted fields.
European support
A provider that understands EU regulation, with direct support from a team that operates under GDPR and DORA every day.
Side by side
| Dimension | Stripe | PCI Proxy (EU) RECOMMENDED |
|---|---|---|
| Data residency | US-headquartered / global | EU only |
| Token portability | Stripe network only | Any processor |
| Pricing model | Blended flat rate | IC++ from 0.45% |
| Vaulting + acquiring | Tied to Stripe acquiring | Standalone or combined |
| PCI scope reduction | SAQ A eligible | SAQ D to SAQ A |
| Collection channels | Web / API | Web, phone, MOTO, API |
| Certifications | PCI DSS Level 1 | PCI L1, ISO 27001/9001, DORA |
Comparison based on publicly available information as of 2026. Check each provider for current details.
Move your vault without re-collecting cards
Switching from Stripe should not mean asking customers to re-enter their card details. We run secure vault-to-vault migrations so your existing tokenized cards transfer across with no downtime and no disruption to recurring payments.
Plan your migrationNo re-collection
Existing cards move as tokens — customers notice nothing.
No downtime
Recurring and card-on-file payments keep running through the switch.
Exit-friendly
We make leaving as easy as joining. Your data is never held hostage.
Stripe alternative, answered
01 What is the best European alternative to Stripe for card tokenization?
PCI Proxy is a European PCI DSS Level 1 tokenization vault built for EU merchants. Card data stays in EU data centres, tokens are portable across any payment processor, and you get transparent interchange++ pricing from 0.45% — without being locked into a single acquiring network.
02 How is PCI Proxy different from Stripe tokenization?
Stripe tokens are proprietary and only work within Stripe's network. PCI Proxy tokens are processor-agnostic and work with Stripe, Adyen, Nexi, or any other PSP. PCI Proxy also provides 100% EU data residency, transparent IC++ pricing, and lets you route to multiple acquirers simultaneously.
03 Can I migrate my card data from Stripe to PCI Proxy?
Yes. We run secure vault-to-vault migrations so existing tokenized cards transfer without customers needing to re-enter their details and without any downtime to recurring payments.
04 Does PCI Proxy reduce PCI scope like Stripe?
Yes. Because raw card data never touches your servers, most merchants qualify for SAQ A instead of SAQ D — the same scope reduction as Stripe, with EU data residency and portable tokens.
05 Can I keep using Stripe as my payment processor with PCI Proxy?
Yes. PCI Proxy is processor-agnostic. You can vault cards with PCI Proxy and continue routing payments to Stripe, or add Adyen, Nexi, or any other acquirer. You are never locked into one processor.
Tokens that work with any processor, priced with full transparency
Tell us about your current Stripe setup and we will map a migration — vault, tokens and EU data residency in one place.