You're not choosing between "Hans with a server in his closest in Germany" and Stripe here, you're choosing between two almost equally established companies that just happen to have different geographic locations and different names. Companies like Adyen are even older than Stripe by some years, and there are tons of examples like this.

That's why I meet with them. I have the mobile number of the ceo of Mollie and can call him in the weekend; compared to the US, we are DEFINITELY not big. But haven't had issues since using them since 2006.