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APIs · head to head

Dwolla vs Mollie

Dwolla logo

Dwolla

APIs

Account to account payment API for ACH, RTP and FedNow with pay by bank and instant payment routing

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: Dwolla nothing is published: there are no per-transaction rates, no platform fee and no minimum on the pricing page, so every buyer negotiates blind and small platforms have no way to sanity check what they are quoted.; 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: Dwolla covers ACH transfers, Mollie covers Local payment methods.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Dwolla and Mollie actually diverge.

Attributes where Dwolla and Mollie differ
AttributeDwollaMollie
Starting priceOn request£0.3/transaction
Pricing modelquotePer transaction by payment method
PlatformsWebWeb, 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 Dwolla

  • ACH transfers
  • Instant payments
  • Rail orchestration
  • Bank account verification
  • Dwolla Balance
  • Webhooks and reconciliation
  • Pay by bank
  • White label flows

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.

Dwolla

  • An insurance or lending platform disbursing funds to customer bank accounts where card payout fees would destroy the marginnot Mollie
  • A B2B marketplace collecting large invoice payments by bank transfer rather than paying interchange on cardsnot Mollie
  • A payroll or gig platform that needs to pay workers instantly and wants the rail chosen automatically by receiving bank capabilitynot Mollie
  • A property management system collecting rent by ACH with verified bank accounts and reliable return handlingnot 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 Dwolla
  • A small merchant that wants published pricing rather than a sales call before it can model card costsnot Dwolla
  • A subscription business in the EEA collecting by SEPA Direct Debit mandate instead of cardnot Dwolla
  • A marketplace or platform that needs one integration covering the main European local methodsnot Dwolla

Where each one falls short

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

Dwolla

  • Nothing is published: there are no per-transaction rates, no platform fee and no minimum on the pricing page, so every buyer negotiates blind and small platforms have no way to sanity check what they are quoted.
  • It is payments only, with no deposit accounts, card issuing or general ledger, so companies embedding financial products need at least one further vendor and the reconciliation between them.
  • Instant payment reach depends on the receiving institution supporting RTP or FedNow, so a meaningful share of payouts still fall back to ACH timing regardless of what the API can do.
  • ACH returns and administrative returns remain your operational problem, and platforms new to bank rails routinely underestimate the customer support load that failed debits generate.
  • Access to instant rails runs through Dwolla banking partner, which reintroduces a bank dependency into a product that otherwise avoids sponsor bank programme risk.

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

Dwolla

On request
  • Dwolla Payment API$undefined/year
    • Custom pricing built around transaction volume, rails used and integration needs
    • No published per-transaction rates or platform fees
    • Volume based plans for platforms and enterprises

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 Dwolla if

  • You need ach transfers.
  • You also want instant payments.
Dwolla 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 Dwolla or Mollie better?
Neither clearly leads. Dwolla 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, Dwolla or Mollie?
Dwolla starts at On request and Mollie at £0.3/transaction.
Does Dwolla or Mollie run on more platforms?
Dwolla runs on Web. Mollie runs on Web, iOS, Android, API.
What is Dwolla best used for?
Dwolla is most often used for an insurance or lending platform disbursing funds to customer bank accounts where card payout fees would destroy the margin, a b2b marketplace collecting large invoice payments by bank transfer rather than paying interchange on cards, a payroll or gig platform that needs to pay workers instantly and wants the rail chosen automatically by receiving bank capability, a property management system collecting rent by ach with verified bank accounts and reliable return handling. Of those, an insurance or lending platform disbursing funds to customer bank accounts where card payout fees would destroy the margin and a b2b marketplace collecting large invoice payments by bank transfer rather than paying interchange on cards are not what Mollie is typically brought in for.
What can Dwolla do that Mollie cannot?
Dwolla covers ACH transfers, Instant payments, Rail orchestration, Bank account verification. Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API.

Answered from the vendors’ own pages

Dwolla: What does Dwolla cost?

It does not publish anything. Pricing is custom and built around volume, rails and integration. Establish the monthly platform fee and any minimum before negotiating per-transaction rates.

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.

Dwolla: Does it support instant payments?

Yes, through both the RTP network and the FedNow Service, with automatic selection based on the receiving bank. Where neither is supported, payments fall back to ACH.

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.

Dwolla: Is Dwolla a bank?

No. It is a payments platform that works through banking partners. It does not offer deposit accounts or card issuing.

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.

Dwolla: How does bank account verification work?

Either instantly through open banking connections or by micro-deposit verification, which takes a day or two but works where instant linking fails.

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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