Skip to content
Independently verified · Quarterly re-audit
EU VETTED
Alternatives to

European alternatives to Afterpay.

Australian-founded BNPL, acquired by Block (US) in 2022.

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

DISCLOSURE   Some links on this site are affiliate links. We may earn a commission at no extra cost to you. Editorial signals and rankings are never influenced by affiliate relationships.

TOP PICKS

Which are the closest Afterpay alternatives?

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

Klarna
Sweden · Founded 2005
EU-HOSTED
★ #1 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 →
Alma
France · Founded 2019
EU-HOSTED
★ #2 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
★ #3 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 →
SIDE-BY-SIDE

How do the 3 European alternatives to Afterpay compare?

All 3 alternatives, benchmarked against Afterpay.

Feature comparison

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

Feature Klarna Alma Scalapay
Card payments Yes No No
SEPA Direct Debit No No No
Buy now, pay later Yes Yes Yes
Open banking (A2A) Yes No No
Recurring / subscriptions Yes No No
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 Afterpay?

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

Afterpay US-incorporated

Australian-founded BNPL, acquired by Block (US) in 2022.

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 →