EU Sovereignty Score
EU sovereignPaymentsHeadquarters: AT

EPS: sovereignty score and 8 European alternatives

eps Online-Überweisung (eps stands for electronic payment standard) is an Austrian online payment method for webshops. At checkout the customer selects eps, chooses their bank from a central list, logs in to online banking and approves the transfer with a TAN or electronic signature. The merchant receives an immediate payment confirmation, and eps includes a real-time execution guarantee. In Austria the method is also used for e-government services. Merchants sign an agreement with their bank and connect their shop through an XML interface to the servers of the participating banks; a test system is available.

eps was developed by Austrian banks together with STUZZA, the Austrian payments cooperation body. Participating banks include Bank Austria, Bawag, Erste Bank und Sparkassen, Raiffeisen, Volksbank and Oberbank. The sources name no foreign parent company and no hosting location, and eps is not open source.

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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 July 2, 2026
HeadquartersAT (EU)Verified by hand
Sovereignty modelVendor-hosted (EU)Verified by hand
Data hostingEUVerified by hand
Open-sourceNoVerified by hand
GDPR-compliantYesVendor-stated
Hosting signalANLX-AS - Antares-NetlogiX Netzwerkberatung GmbH, AT (AT)Technically measured
CategoryPayments
TypeProduct
Websiteeservice.stuzza.at ↗

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 EPS

The European alternatives to EPS come from our knowledge base of over 6,200 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

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 EPS

EPS is headquartered in AT 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 EPS scores best on data residency.

EPS 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 EPS 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 EPS?

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

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

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

EPS is headquartered in AT (EU) and hosts data in EU. That makes EPS 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 July 2, 2026.

Sources

This record was checked via the vendor's website and legal notice during the full audit of June and July 2026. Source links have been recorded per record since 20 September 2026.

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