Australian-founded BNPL, acquired by Block (US) in 2022.
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Listed for transparency. Every product on this page is benchmarked against this baseline.
Australian-founded BNPL, acquired by Block (US) in 2022.
All 3 alternatives ranked by compliance score, benchmarked against Afterpay.
| Product | Score | Owner | CLOUD Act | Cert. | Pricing | Action |
|---|---|---|---|---|---|---|
|
Afterpay
benchmark · US
|
1.0/5 | OWNERSHIP
Where ultimate control over the operating company sits.
|
CLOUD ACT EXPOSURE
How exposed customer data is to US authorities under the CLOUD Act.
|
SOC 2 no EU framework |
Freemium | your current |
|
Klarna
Sweden
|
VERIFIED SIGNALS
Jurisdiction
Transparency
|
OWNERSHIP
Where ultimate control over the operating company sits.
|
CLOUD ACT EXPOSURE
How exposed customer data is to US authorities under the CLOUD Act.
|
— |
Paid
€0 / mo
|
View profile → |
|
Alma
France
|
VERIFIED SIGNALS
Jurisdiction
Transparency
|
OWNERSHIP
Where ultimate control over the operating company sits.
|
CLOUD ACT EXPOSURE
How exposed customer data is to US authorities under the CLOUD Act.
|
— | Paid | View profile → |
|
Scalapay
Italy
|
VERIFIED SIGNALS
Jurisdiction
Transparency
|
OWNERSHIP
Where ultimate control over the operating company sits.
|
CLOUD ACT EXPOSURE
How exposed customer data is to US authorities under the CLOUD Act.
|
— | Paid | View profile → |
Ranked by feature parity + compliance score. Migration friction is weighted higher than feature breadth.
Stockholm-based Klarna Bank AB (Finansinspektionen-licensed Swedish bank) — BNPL + checkout giant, 150M+ consumers, US IPO pending.
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.
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.
For every product we read the public DPA, sub-processors document, hosting region declaration, and corporate ownership records. Each is timestamped. Compliance score is editorial, re-verified quarterly. We never accept self-attestation.
Reviewed by the EU Vetted editorial team · Editorial guidelines