Yes, this can be used safely for Ecom in Europe if you follow our guidelines and instructions provided with the setup. However, the risks of holds remain the same whether you use your personal account and can be associated with your chargeback rate if it exceeds 1 percent. Additionally, it's important to note that there is a gradual warm-up period for an account, which would take 6-9 weeks to properly make it work. Please DM so I can share more detailed information regarding this.