EU sovereignPaymentsHeadquarters: PT

SIBS: sovereignty score and 8 European alternatives

SIBS is a Portuguese payment services company. Its website lists card processing, acquiring and online and in-store payments among its services, and presents Multibanco and MB WAY as part of its product range. The company describes itself as a 'Partner in Payments' and states that it provides value-added payment services. Portuguese banks are named as clients on the website.

Press reports describe SIBS as controlled by the main Portuguese banks, in a model of cooperation between competitors. The company is established in Portugal. The public information reviewed does not state where customer data is hosted. For a European organisation, the Portuguese ownership structure and the company's presence in the EU are relevant points; the hosting location and processing terms should be confirmed directly with SIBS.

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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	PT (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	sibs.com ↗

How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to SIBS

The European alternatives to SIBS 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 SIBS

SIBS is headquartered in PT 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 SIBS scores best on data residency.

SIBS 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 SIBS 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 SIBS?

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

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

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

SIBS is headquartered in PT (EU) and hosts data in EU. That makes SIBS 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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