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Independently verified · Quarterly re-audit
EU VETTED
Alternatives to

European alternatives to Affirm.

US-incorporated BNPL provider, NASDAQ-listed (AFRM).

ALTERNATIVES
3
CLOUD-ACT · NONE
0
WITH BSI C5
0
FREE TIER
0

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TOP PICKS

Which are the closest Affirm alternatives?

Ordered by feature parity and migration friction, which is weighted higher than feature breadth.

Alma
France · Founded 2019
EU-HOSTED
★ #1 PICK

Paris-area French BNPL for merchants: 2/3/4/10/12 installments + Pay Later; 21,800+ merchants across 8 EU countries; Alma SAS, EU-owned.

Public DPA Sub-processors Open source
FROM
—
CLOUD ACT
MATERIAL
View profile →
Scalapay
Italy · Founded 2019
EU-HOSTED
★ #2 PICK

Milan-based Italian BNPL (Scalapay S.r.l., 2019): 3 interest-free installments, 1,500+ merchants, 9 EU markets; US-VC-funded at $700M Series B.

Public DPA Sub-processors Open source
FROM
—
CLOUD ACT
MATERIAL
View profile →
Klarna
Sweden · Founded 2005
EU-HOSTED
★ #3 PICK

Stockholm-based Klarna Bank AB (Finansinspektionen-licensed Swedish bank): BNPL + checkout giant, 150M+ consumers, US IPO pending.

Public DPA Sub-processors Open source
FROM
€0/mo
CLOUD ACT
MATERIAL
View profile →
SIDE-BY-SIDE

How do the 3 European alternatives to Affirm compare?

All 3 alternatives, benchmarked against Affirm.

Feature comparison

Beyond compliance: how these alternatives compare on the capabilities you actually use day to day.

Feature Alma Scalapay Klarna
Card payments No No Yes
SEPA Direct Debit No No No
Buy now, pay later Yes Yes Yes
Open banking (A2A) No No Yes
Recurring / subscriptions No No Yes
Payment links Yes Yes
In-person / POS Yes Yes Yes
Marketplace / split No No No
WHAT YOU'RE LEAVING
What are you leaving behind with Affirm?

Listed for transparency. Every product on this page is benchmarked against this baseline.

Affirm US-incorporated

US-incorporated BNPL provider, NASDAQ-listed (AFRM).

US-based
OWNERSHIP
US-OWNED
CLOUD ACT
DIRECT
HOSTING
Likely AWS · US
SCHREMS II
Default SCC + supp.
METHODOLOGY

How we verified each row above.

For every product we read the public DPA, sub-processors document, hosting region declaration, and corporate ownership records. Each is timestamped. Signals are editorial, re-verified quarterly. We never accept self-attestation.

Reviewed by the EU Vetted editorial team · Editorial guidelines

Read methodology →