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E-Commerce · head to head

Heartland Retail vs Mollie

Heartland Retail logo

Heartland Retail

E-Commerce

Cloud point of sale and inventory management sold alongside Heartland card processing

From
$150/month
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: Heartland Retail the software is sold as part of a card processing relationship, so the monthly licence understates the real cost and the processing rate is the number that determines what you pay over a year.; 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: Heartland Retail covers Multi-store inventory, Mollie covers Local payment methods.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Heartland Retail and Mollie actually diverge.

Attributes where Heartland Retail and Mollie differ
AttributeHeartland RetailMollie
Starting price$150/month£0.3/transaction
Pricing modelsubscriptionPer transaction by payment method
PlatformsWebWeb, iOS, Android, API
Founded1997Unknown

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

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 Heartland Retail

  • Multi-store inventory
  • Cloud point of sale
  • Purchasing and receiving
  • Customer records
  • Sales and stock reporting
  • Integrated card processing
  • E-commerce integrations

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.

Heartland Retail

  • A specialty retailer opening a third or fourth site that needs one stock position across all of themnot Mollie
  • Replacing a legacy on-premise till system that requires a server in the back office of every storenot Mollie
  • A retailer whose buying team needs purchase orders and receiving rather than just a cash registernot Mollie
  • An existing Heartland processing customer consolidating software and payments under one suppliernot 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 Heartland Retail
  • A small merchant that wants published pricing rather than a sales call before it can model card costsnot Heartland Retail
  • A subscription business in the EEA collecting by SEPA Direct Debit mandate instead of cardnot Heartland Retail
  • A marketplace or platform that needs one integration covering the main European local methodsnot Heartland Retail

Where each one falls short

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

Heartland Retail

  • The software is sold as part of a card processing relationship, so the monthly licence understates the real cost and the processing rate is the number that determines what you pay over a year.
  • Leaving means changing till software and merchant account together, and since the payment terminals, the reporting history and the staff training are all tied to the same supplier, the switching cost is far higher than a software migration alone.
  • It is not an online store platform, so a merchant selling on the web still buys and maintains a separate e-commerce platform, and the stock and order integration between the two is an ongoing operational dependency rather than a one-off setup.
  • Historical sales and customer purchase history rarely migrate cleanly out of a point of sale system, so a retailer who switches typically starts with an empty history and keeps the old system read-only, paying for it, for years.
  • Heartland sits within Global Payments, a group that has repeatedly restructured its portfolio through acquisitions and divestitures, so which entity owns and invests in this specific product is not stable over a long contract term.

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

Heartland Retail

$150/month
  • Core$150/month
    • POS system
    • Inventory management
    • Customer management
  • Professional$350/month
    • All Core features
    • Omnichannel
    • Advanced analytics

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 Heartland Retail if

  • You need multi-store inventory.
  • You also want cloud point of sale.
Heartland Retail 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 Heartland Retail or Mollie better?
Neither clearly leads. Heartland Retail starts at $150/month and Mollie at £0.3/transaction, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Heartland Retail or Mollie?
Heartland Retail starts at $150/month and Mollie at £0.3/transaction.
Does Heartland Retail or Mollie run on more platforms?
Heartland Retail runs on Web. Mollie runs on Web, iOS, Android, API.
What is Heartland Retail best used for?
Heartland Retail is most often used for a specialty retailer opening a third or fourth site that needs one stock position across all of them, replacing a legacy on-premise till system that requires a server in the back office of every store, a retailer whose buying team needs purchase orders and receiving rather than just a cash register, an existing heartland processing customer consolidating software and payments under one supplier. Of those, a specialty retailer opening a third or fourth site that needs one stock position across all of them and replacing a legacy on-premise till system that requires a server in the back office of every store are not what Mollie is typically brought in for.
What can Heartland Retail do that Mollie cannot?
Heartland Retail covers Multi-store inventory, Cloud point of sale, Purchasing and receiving, Customer records. Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API.

Answered from the vendors’ own pages

Heartland Retail: Can I use it as my online store?

No. It manages the shop floor and stock. Selling online means a separate e-commerce platform and an integration to keep the catalogue and stock aligned.

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.

Heartland Retail: Do I have to use Heartland for card processing?

The product is sold as part of a payments relationship, and that is where the supplier's margin sits. Ask explicitly what the software costs standalone before assuming you have a choice.

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.

Heartland Retail: What should I negotiate hardest on?

The card processing rate and the contract term, not the software subscription. Ask for interchange-plus pricing in writing rather than a blended rate.

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.

Heartland Retail: What happens to my sales history if I leave?

Assume products and current stock export cleanly and that years of transaction history do not. Budget for keeping the old system available read-only during any transition.

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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