EU Sovereignty Score
EU sovereignPaymentsHeadquarters: DE

Billie: sovereignty score and 8 European alternatives

Billie is a B2B payment platform for online shops, marketplaces and platforms that sell to business customers. Its offering covers payment on invoice, instalment purchase and a trade account, so that business buyers pay after delivery. Billie can be used in online shops, telesales and in-person sales, and it connects through payment providers and platforms such as Stripe, Klarna, Mollie, Adyen and Kustom. It also offers business cards. The service is hosted, and merchants connect to it through those integrations.

Billie GmbH is based in Berlin, Germany, and its founders are also its managing directors. Billie's website does not name a parent company or a foreign owner. The software is not open source and there is no self-hosting option. The sources consulted do not state where Billie hosts its data, so a European organisation that needs a data-residency guarantee should ask for the processing locations and subprocessors in the data processing agreement.

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Sovereignty score
71 / 1000 = high exposure
100 = sovereign
  • Jurisdiction SOV-2100
    Headquartered in the EU: European law applies
  • Data residency SOV-3100
    EU-only hosting
  • 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 1, 2026
Headquarters
DE (EU)Verified by hand
Sovereignty model
Vendor-hosted (EU)Verified by hand
Data hosting
EUVerified by hand
Open-source
NoVerified by hand
GDPR-compliant
YesVendor-stated
Hosting signal
AMAZON-02 - Amazon.com, Inc., US (US)Technically measured
Category
Payments
Type
Product
Website
billie.io ↗

The hosting signal shows the network that serves the vendor's website, often a CDN, and not necessarily where the service or your data is hosted. How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to Billie

The European alternatives to Billie come from our knowledge base of over 6,800 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

99 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 Billie

Billie is headquartered in DE and therefore falls under European law: the GDPR, NIS2 and the Data Act. No foreign legislation can compel access to your data.

Data is hosted exclusively in the EU, so Billie scores best on data residency.

Billie 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 Billie 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 Billie?

It depends on your use case. Strong EU alternatives to Billie 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 Billie?

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

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

Billie is headquartered in DE (EU) and hosts data in EU. That makes Billie 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 1, 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

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 Billie — GDPR-compliant & EU-hosted · EU Sovereignty Score