The European Stripe Radar alternative
PCI Proxy is a processor-agnostic PCI DSS Level 1 vault that stores card data in the EU and issues portable tokens you can route to Stripe, Adyen, or any acquirer. Break out of a single-processor dependency while cutting your PCI scope to SAQ A.
Why European teams choose PCI Proxy over Stripe Radar
An independent EU vault keeps your card data out of any single processor's ecosystem while giving you the flexibility to route payments wherever rates are best.
EU data residency
Card data is stored only in European data centres. No transatlantic transfers, no dependency on US-based infrastructure, and simpler GDPR compliance for EU merchants.
Processor independence
Unlike Stripe Radar which ties your card data to the Stripe ecosystem, PCI Proxy tokens work with Stripe, Adyen, Nexi, or any other acquirer simultaneously.
Transparent IC++ pricing
Interchange++ from 0.45%, fully itemised. No bundled Stripe fees or opaque blended rates — you see exactly what you pay at every step.
Vault + acquiring in one
Use the vault standalone alongside Stripe, or add our acquiring engine and run vaulting and processing through a single European provider.
European support
Direct European support that understands EU regulation, PSD2, and GDPR — not global ticket queues measured in business days.
Every collection channel
Hosted fields, mobile SDKs, MOTO/call-centre, email pay links and API — collect cards securely across web, phone and back office.
Side by side
| Dimension | Stripe Radar | PCI Proxy (EU) RECOMMENDED |
|---|---|---|
| Data residency | US-based / global | EU only |
| Processor lock-in | Stripe ecosystem only | Any processor |
| Pricing | Bundled / blended rates | IC++ from 0.45% |
| PCI scope reduction | Within Stripe | SAQ D to SAQ A |
| Multi-acquirer routing | Stripe only | Any acquirer |
| Collection channels | Web / API | Web, phone, API, MOTO |
| 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 vaults should not mean asking customers to re-enter their cards. We handle secure vault-to-vault migrations from Stripe and any PCI-compliant provider — your tokens arrive 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 Radar alternative, answered
01 What is the best European alternative to Stripe Radar for card vaulting?
PCI Proxy is a European PCI DSS Level 1 tokenization vault that is completely processor-agnostic. Unlike Stripe Radar, which is part of the Stripe ecosystem, PCI Proxy stores card data in EU data centres only and lets you route the same token to Stripe, Adyen, or any other acquirer.
02 How is PCI Proxy different from Stripe Radar?
Stripe Radar is primarily a machine-learning fraud detection layer built into the Stripe payment stack. PCI Proxy is an independent PCI DSS Level 1 vault that tokenizes card data before it reaches any processor. You get EU data residency, portable tokens usable with multiple acquirers, and transparent interchange++ pricing.
03 Can I use PCI Proxy alongside Stripe?
Yes. PCI Proxy integrates with Stripe as one of many acquiring options. You tokenize the card in PCI Proxy's EU vault and then send the detokenized PAN to Stripe only at the moment of charging. This keeps your data in the EU while still using Stripe's processing network.
04 Does PCI Proxy reduce PCI DSS scope?
Yes. Because raw card data never touches your servers, most merchants move from SAQ D to SAQ A. PCI Proxy operates as a PCI DSS Level 1 certified service provider, the highest level of the standard.
05 Can I migrate cards from Stripe to PCI Proxy?
Yes. We handle secure vault-to-vault migrations. Cards stored in Stripe's vault can be transferred to PCI Proxy's EU vault through a PCI-compliant migration process without requiring customers to re-enter their card details.
A European vault that works with every processor
Tell us about your current Stripe setup and we'll show you how to vault and route payments from a single EU-based provider.