EU Sovereignty Score
EU sovereignPaymentsHeadquarters: BG

ePay.bg: sovereignty score and 8 European alternatives

ePay.bg is a Bulgarian online payment platform. Consumers use it to pay for goods and services with registered merchants and to pay by card, including through the B-pay card system at ATMs and automatic periodic payments. The service is available on the web and as a mobile app, and it sends SMS notifications of card transactions for partner banks' cardholders. The operator is Ipay AD, which is also the registered representative of the payment institution Izipay AD.

Ipay AD has its seat and management address in Sofia, Bulgaria, and is registered in Bulgaria as a joint-stock company. The sources consulted do not identify its shareholders, so no parent company is confirmed. The pages consulted do not state where data is hosted; the operator's PCI DSS certification concerns card-data security rather than location. A European organisation should review the processing terms before use. Bulgaria is an EU member state, so EU data-protection law applies to processing carried out there.

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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 11, 2026
Headquarters
BG (EU)Verified by hand
Sovereignty model
Vendor-hosted (EU)Verified by hand
Data hosting
EUVerified by hand
Open-source
NoVerified by hand
GDPR-compliant
NoVendor-stated
Category
Payments
Type
Product
Website
epay.bg ↗

How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to ePay.bg

The European alternatives to ePay.bg 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 ePay.bg

ePay.bg is headquartered in BG 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 ePay.bg scores best on data residency.

ePay.bg 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 ePay.bg 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 ePay.bg?

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

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

Is ePay.bg GDPR-compliant and where is the data hosted?

ePay.bg is headquartered in BG (EU) and hosts data in EU. That makes ePay.bg 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 11, 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 ePay.bg — GDPR-compliant & EU-hosted · EU Sovereignty Score