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APIs · head to head

Brite Payments vs Mollie

Brite Payments logo

Brite Payments

APIs

Instant account to account payments and payouts across Europe

From
On request
Rated
-
Full reviewWebsite
Mollie logo

Mollie

E-Commerce

European payment service provider with published per-transaction rates and no monthly fee on the online plan

From
£0.3/transaction
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Brite Payments because Brite fronts settlement it underwrites the merchant, so higher risk sectors face volume caps, reserves or delayed settlement that undo the instant advantage they bought it for.; Mollie non-European cards cost 3.25% plus 20p against 1.20% plus 20p for UK domestic consumer cards, so a merchant with significant traffic from the US or Asia pays close to triple the domestic rate on that revenue.
  • They diverge on capability: Brite Payments covers Instant pay ins, Mollie covers Local payment methods.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Brite Payments and Mollie actually diverge.

Attributes where Brite Payments and Mollie differ
AttributeBrite PaymentsMollie
Starting priceOn request£0.3/transaction
Pricing modelquotePer transaction by payment method
PlatformsWeb, APIWeb, iOS, Android, API
CategoryAPIsE-Commerce

Identical on both: free tier (No), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Brite Payments

  • Instant pay ins
  • Instant payouts
  • Proprietary settlement network
  • European bank coverage
  • Recurring and one click
  • Risk and verification
  • Merchant reporting
  • Hosted checkout

Only in Mollie

  • Local payment methods
  • Published rate card
  • Hosted checkout and payment links
  • Subscriptions API
  • Point of sale terminals
  • Plugin ecosystem
  • Multicurrency settlement

What people use each for

The jobs each tool is most often brought in to do.

Brite Payments

  • A gambling operator that needs deposits confirmed instantly and withdrawals paid out in seconds to retain playersnot Mollie
  • A trading platform funding customer accounts without card chargeback exposurenot Mollie
  • A marketplace paying sellers on demand rather than in weekly batchesnot Mollie
  • A Nordic retailer replacing card acceptance on high value baskets to cut interchange costnot Mollie

Mollie

  • A Dutch or Belgian shop where most customers pay by iDEAL or Bancontact and the flat 30p beats a percentage rate on high-value basketsnot Brite Payments
  • A small merchant that wants published pricing rather than a sales call before it can model card costsnot Brite Payments
  • A subscription business in the EEA collecting by SEPA Direct Debit mandate instead of cardnot Brite Payments
  • A marketplace or platform that needs one integration covering the main European local methodsnot Brite Payments

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Brite Payments

  • Because Brite fronts settlement it underwrites the merchant, so higher risk sectors face volume caps, reserves or delayed settlement that undo the instant advantage they bought it for.
  • There is no chargeback scheme, so refunds, disputes and fraud recovery are processes the merchant has to build and staff itself.
  • Coverage and instant capability differ markedly by country, with the Nordics far stronger than southern and eastern Europe, so a pan European rollout gives inconsistent customer experience.
  • Conversion depends on each bank's authentication journey, and the merchant cannot fix a slow or unreliable bank redirect that is costing it sales.
  • A large share of Brite's volume comes from gambling and trading, which concentrates regulatory exposure: a change in gambling payment rules in a key market would affect the provider as well as the merchant.

Mollie

  • Non-European cards cost 3.25% plus 20p against 1.20% plus 20p for UK domestic consumer cards, so a merchant with significant traffic from the US or Asia pays close to triple the domestic rate on that revenue.
  • Coverage is built around European methods, so if you expand into Latin America or Southeast Asia you will need a second processor and a second reconciliation process rather than extending Mollie.
  • The in-person Pro plan requires a one-year contract and charges 20 pounds a month per additional terminal, so a shop with four tills pays 80 pounds a month in terminal fees before any transaction cost.
  • Mollie offers no interchange-plus option publicly, so large merchants cannot see or benefit from falling interchange the way they could on a cost-plus contract with an acquirer.
  • The developer tooling and reporting are lighter than the largest processors, so finance teams that want detailed fee breakdowns or granular reconciliation exports often end up building that layer themselves.

Pricing, plan by plan

Brite Payments

On request
  • Brite instant payments$undefined/year
    • Quoted per merchant, typically per transaction
    • Pay ins and payouts priced separately
    • Merchant underwriting may impose volume limits, reserves or delayed settlement

Mollie

£0.3/transaction
  • Online paymentsFree
    • No monthly fee
    • UK domestic consumer cards 1.20% + 20p
    • European and commercial cards 2.90% + 20p
  • In person, pay as you goFree
    • No monthly commitment
    • Per-transaction terminal rates
    • One terminal
  • In person, Pro$20/month
    • Lower per-transaction terminal rates
    • One-year contract required
    • Each additional terminal 20 pounds per month

Which should you pick?

Choose Brite Payments if

  • You need instant pay ins.
  • You work on Web, API.
  • You also want instant payouts.
Brite Payments review

Choose Mollie if

  • You need local payment methods.
  • You work on Web, iOS, Android, API.
  • You also want published rate card.
Mollie review

Questions people ask

Is Brite Payments or Mollie better?
Neither clearly leads. Brite Payments starts at On request and Mollie at £0.3/transaction, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Brite Payments or Mollie?
Brite Payments starts at On request and Mollie at £0.3/transaction.
Does Brite Payments or Mollie run on more platforms?
Brite Payments runs on Web, API. Mollie runs on Web, iOS, Android, API.
What is Brite Payments best used for?
Brite Payments is most often used for a gambling operator that needs deposits confirmed instantly and withdrawals paid out in seconds to retain players, a trading platform funding customer accounts without card chargeback exposure, a marketplace paying sellers on demand rather than in weekly batches, a nordic retailer replacing card acceptance on high value baskets to cut interchange cost. Of those, a gambling operator that needs deposits confirmed instantly and withdrawals paid out in seconds to retain players and a trading platform funding customer accounts without card chargeback exposure are not what Mollie is typically brought in for.
What can Brite Payments do that Mollie cannot?
Brite Payments covers Instant pay ins, Instant payouts, Proprietary settlement network, European bank coverage. Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API.

Answered from the vendors’ own pages

Brite Payments: How is Brite different from a standard open banking initiator?

It settles on its own network, so the merchant sees funds as final in seconds rather than waiting for the bank transfer to clear.

Mollie: Does Mollie charge a monthly fee?

Not on the online payments plan. You pay only per successful transaction. In-person Pro is 20 pounds a month.

Brite Payments: Are payouts really instant?

In markets with mature instant payment schemes, yes. Elsewhere the speed depends on local rails, so check country by country.

Mollie: Is iDEAL really a flat fee?

Yes, 30p per transaction regardless of the amount, which is why it is cheaper than cards on high-value baskets.

Brite Payments: What about disputes?

There is no chargeback framework on account to account payments. Refunds and disputes are entirely your own process.

Mollie: Can I use Mollie outside Europe?

You can accept non-European cards but at 3.25% plus 20p, and merchant accounts are aimed at European businesses. It is not a global processor.

Mollie: Does Mollie do interchange plus?

Not publicly. The published rates are blended, so falling interchange does not flow through to you automatically.

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