EU Sovereignty Score
EU sovereignPaymentsHeadquarters: CH

Amiko: sovereignty score and 8 European alternatives

Amiko is a SaaS product from Rivero AG for payment disputes and chargebacks at card-issuing banks. A virtual agent talks to cardholders, collects the data and deflects unfounded claims. The software then supports the whole life cycle of a case, from fraud report and pre-dispute to arbitration, with automation of repetitive steps and guidance for staff. According to the vendor, Amiko connects directly to Visa, Mastercard, Ethoca and Verifi and is a fully managed cloud service.

Rivero AG is based in Schaffhausen, Switzerland; no parent company is named. The hosting location of Amiko is not stated, so ask the vendor; Switzerland is assumed from the company's seat. For its sister product Kajo, the vendor describes a dedicated environment per customer in a Google Cloud cluster, without a region. Switzerland is not an EU member but an EFTA country with an EU adequacy decision. Fix the hosting region, sub-processors and exit terms in the contract.

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Sovereignty score
67 / 1000 = high exposure
100 = sovereign
  • Jurisdiction SOV-2100
    Headquartered in Switzerland: Swiss law, recognised by the EU as adequate
  • Data residency SOV-380
    Hosting in Switzerland only (recognised by the EU as adequate)
  • Cryptographic key sovereignty SOV-360
    Key management with a European vendor
  • Freedom from lock-in SOV-640
    Closed source: switching requires data migration
  • Source & runtime sovereignty SOV-4 · SOV-655
    Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked October 14, 2026
Headquarters
CH (EU)Verified by hand
Sovereignty model
Vendor-hosted (EU)Verified by hand
Data hosting
CHVerified by hand
Open-source
NoVerified by hand
GDPR-compliant
NoVendor-stated
Category
Payments
Type
Product
Website
rivero.tech ↗

How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to Amiko

The European alternatives to Amiko come from our knowledge base of over 9,200 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

113 European Payments vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with Amiko

Amiko is headquartered in Switzerland and falls under Swiss law, including the revised Swiss data protection act. Switzerland is not an EU member, but the European Commission recognises its level of data protection as adequate. Its Swiss headquarters does not by itself bring it under US legislation such as the CLOUD Act.

Amiko hosts data in Switzerland only. Switzerland is not part of the EU or the EEA, so the GDPR does not apply there directly; the European Commission does recognise Swiss data protection as adequate, so personal data can go there without extra safeguards. Our model therefore scores it between EU hosting and hosting outside Europe. If you require strictly EU hosting, take this into account.

Amiko is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs Amiko together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to Amiko?

It depends on your use case. Strong EU alternatives to Amiko include Adyen, Alma and Autopay. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to Amiko?

Our list of EU alternatives to Amiko is mostly commercial options. Browse the category on the map for open-source choices.

Is Amiko GDPR-compliant and where is the data hosted?

Amiko is headquartered in CH (EFTA) and hosts data in CH. That makes Amiko an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on October 14, 2026.

Sources

Public sources used in the latest check of this record.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

In the changelog

Earlier changes to this page, as listed in the public changelog.

Digital sovereignty in Payments

Payments: Payment services, payment gateways, online payments and financial transactions. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

Also in this category

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8 European alternatives to Amiko — GDPR-compliant & EU-hosted · EU Sovereignty Score