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Personal Finance · head to head

Google Pay vs Mollie

Google Pay logo

Google Pay

Personal Finance

Fast, simple and secure payments

From
Free
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

  • Only Google Pay has a free tier, so it costs nothing to try first.
  • Each has a real cost: Google Pay limited to Android devices and Chrome browser; lacks native support for iOS devices; 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: Google Pay covers Digital wallet, Mollie covers Local payment methods.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Google Pay and Mollie actually diverge.

Attributes where Google Pay and Mollie differ
AttributeGoogle PayMollie
Starting priceFree£0.3/transaction
Pricing modelfreePer transaction by payment method
Free tierYesNo
PlatformsAndroid, Chrome browserWeb, iOS, Android, API
CategoryPersonal FinanceE-Commerce
Founded2015Unknown

Identical on both: 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 Google Pay

  • Digital wallet
  • Contactless payments
  • Online shopping
  • P2P money transfers
  • Credit cards
  • Debit cards
  • Bank accounts
  • Android support

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.

Google Pay

  • Android users making contactless payments at supported retailersnot Mollie
  • Chrome browser users utilising payment autofill at checkoutnot 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 Google Pay
  • A small merchant that wants published pricing rather than a sales call before it can model card costsnot Google Pay
  • A subscription business in the EEA collecting by SEPA Direct Debit mandate instead of cardnot Google Pay
  • A marketplace or platform that needs one integration covering the main European local methodsnot Google Pay

Where each one falls short

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

Google Pay

  • Limited to Android devices and Chrome browser; lacks native support for iOS devices
  • International money transfer through third-party provider (Wise Inc.) with limited details on coverage

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

Google Pay

Free

No published plan breakdown. See the Google Pay review.

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 Google Pay if

  • You need digital wallet.
  • You want to start without paying.
  • You work on Android, Chrome browser.
  • You also want contactless payments.
Google Pay 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 Google Pay or Mollie better?
Neither clearly leads. Google Pay starts at Free and Mollie at £0.3/transaction, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Google Pay or Mollie?
Google Pay has a free tier; the other does not. Paid plans start at Free for Google Pay and £0.3/transaction for Mollie.
Does Google Pay or Mollie run on more platforms?
Google Pay runs on Android, Chrome browser. Mollie runs on Web, iOS, Android, API.
Can I use Google Pay for free?
Yes. Google Pay has a free tier, so you can try it without paying. Mollie starts at £0.3/transaction.
What is Google Pay best used for?
Google Pay is most often used for android users making contactless payments at supported retailers, chrome browser users utilising payment autofill at checkout. Of those, android users making contactless payments at supported retailers and chrome browser users utilising payment autofill at checkout are not what Mollie is typically brought in for.
What can Google Pay do that Mollie cannot?
Google Pay covers Digital wallet, Contactless payments, Online shopping, P2P money transfers. Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API.

Answered from the vendors’ own pages

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.

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.

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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