EU sovereignPaymentsHeadquarters: ES

MONEI: sovereignty score and 8 European alternatives

MONEI is a payment platform with a payment gateway for online and in-person payments. Its offer includes payment orchestration, a virtual point-of-sale terminal, online payments, QR code payments and a point-of-sale system without its own hardware. The website also refers to pages on PCI DSS Level 1, PSD2 and 3D Secure. The service is offered as a hosted offering to which merchants connect through the gateway.

MONEI Digital Payments S.L. is based in Málaga, Spain. Its privacy policy names no hosting provider and no hosting region. According to the policy, data processing agreements are in place with all processors under Article 28 GDPR, and, as a general rule, no personal data is transferred internationally; for providers outside the EEA, contractual safeguards apply. The footer names AWS among its infrastructure providers without a region. The website describes no self-hosted option. For a European organisation this is a Spanish provider under the GDPR, although the hosting location is not specified.

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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 12, 2026

Headquarters	ES (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
Category	Payments
Type	Product
Website	monei.com ↗

How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to MONEI

The European alternatives to MONEI come from our knowledge base of over 7,800 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

109 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 MONEI

MONEI is headquartered in ES 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 MONEI scores best on data residency.

MONEI 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 MONEI 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 MONEI?

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

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

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

MONEI is headquartered in ES (EU) and hosts data in EU. That makes MONEI 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 12, 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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