Business & Finance

HubSpot 🇺🇸 non-EU

Free CRM, expensive marketing hub.

• Brevo Paris marketing and CRM platform with EU data residency. 🇫🇷
• Efficy European CRM with marketing automation built in. 🇧🇪
• Odoo CRM, marketing, invoicing and site builder in one open suite. 🇧🇪
• weclapp German all-in-one for sales, stock and invoicing. 🇩🇪

Patreon / Buy Me a Coffee 🇺🇸 non-EU

Fan funding, with a US platform between you and your supporters.

• Steady Berlin membership platform built for European publishers and creators. 🇩🇪
• Tipeee French tipping and membership platform. 🇫🇷
• Liberapay French non-profit recurring donations; it takes no cut at all. 🇫🇷

PayPal 🇺🇸 non-EU

Everyone's fallback wallet, everyone's least favourite fee schedule.

• Mollie Amsterdam. Merchant-side: shops accept payments with it, but there is no consumer wallet to pay from. 🇳🇱
• Adyen Dutch platform behind much of European checkout — merchant-side only. 🇳🇱
• Klarna Swedish payments, invoicing and instalments. 🇸🇪
• SumUp London card readers and online payments. For taking money, not for paying. 🇬🇧

QuickBooks 🇺🇸 non-EU

Intuit's books, with US tax logic bolted on.

• Sage Newcastle-founded accounting, the European incumbent for SMEs. 🇬🇧
• Odoo Accounting Open-source accounting with localisations for most EU countries. 🇧🇪
• Pennylane French accounting platform built with accountants, not against them. 🇫🇷
• Fortnox Sweden's dominant cloud accounting platform. 🇸🇪

Robinhood, Coinbase & eToro 🇺🇸🇮🇱 non-EU

Your broker decides which rules protect you.

• Trade Republic Berlin, holds a full German banking licence, and deposits sit under German protection. 🇩🇪
• Scalable Capital Munich. Flat-fee broker and robo-advisor in one. 🇩🇪
• Bitpanda Vienna, MiCA-licensed, crypto alongside stocks and metals. 🇦🇹
• DEGIRO Amsterdam, part of flatexDEGIRO of Frankfurt. Very low commissions. 🇳🇱

Salesforce 🇺🇸 non-EU

CRM as a way of life, licensed per seat per month.

• SAP Sales Cloud Walldorf's CRM, integrated with the ERP most of European industry runs. 🇩🇪
• Odoo CRM Belgian open-source business suite; CRM is one module of many. 🇧🇪
• Efficy Brussels CRM group serving mid-market European companies. 🇧🇪
• weclapp German cloud ERP and CRM for SMEs. 🇩🇪

Shopify 🇨🇦 non-EU

The easiest way to build a shop you do not own.

• Shopware German e-commerce platform used across European mid-market retail. 🇩🇪
• PrestaShop French open-source shop software with a huge module ecosystem. 🇫🇷
• Spryker Berlin headless commerce for complex B2B and B2C models. 🇩🇪
• Sylius Polish Symfony-based headless commerce framework. 🇵🇱

Stripe 🇺🇸 non-EU

The developer's payment API, incorporated in Delaware.

• Mollie The closest European equivalent for developer experience. 🇳🇱
• Adyen Enterprise-grade, unified across online, in-app and in-store. 🇳🇱
• Worldline French payment giant covering acquiring across the whole EU. 🇫🇷
• Nexi Italian paytech, dominant in southern Europe. 🇮🇹

Visa, Mastercard & Amex 🇺🇸 non-EU

Two American companies sitting between Europe and its own money.

• Wero The pan-European wallet from 16 banks and payment providers. 🇧🇪
• iDEAL The Dutch bank-transfer standard, now folding into Wero. 🇳🇱
• Bancontact Payconiq Belgium's domestic card and QR payment scheme. 🇧🇪
• BLIK Poland's phone-based payment system, used by most of the country. 🇵🇱

Workday, BambooHR & Gusto 🇺🇸 non-EU

Your employer's copy of your entire working life.

• Personio Munich. The European mid-market default. 🇩🇪
• Factorial Barcelona, and strong on payroll. 🇪🇸
• Lucca Paris. Modular, French payroll built in. 🇫🇷
• Sage HR Newcastle, from the accounting house. 🇬🇧

Zendesk 🇺🇸 non-EU

Support tickets as a subscription.

• Zammad German open-source helpdesk; self-host or use the EU cloud. 🇩🇪
• OTRS Long-established German service-management platform. 🇩🇪
• Userlike Cologne live chat and messaging built for GDPR compliance. 🇩🇪
• Crisp Nantes-built customer messaging with a generous free plan. 🇫🇷