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E-Commerce · head to head

Klarna vs Mollie

Klarna logo

Klarna

E-Commerce

Buy now pay later and instalment checkout for online and in-store merchants

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: Klarna merchant fees for the short-term products run around 5.99% plus a fixed fee in the United States, roughly double a standard card rate, so unless Klarna measurably lifts average order value or conversion it is a straight margin loss.; 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: Klarna covers Pay in 4, Mollie covers Local payment methods.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Klarna and Mollie actually diverge.

Attributes where Klarna and Mollie differ
AttributeKlarnaMollie
Starting priceOn request£0.3/transaction
Pricing modelquotePer transaction by payment method
PlatformsWeb, iOS, AndroidWeb, iOS, Android, API

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 Klarna

  • Pay in 4
  • Pay in 30 days
  • Longer-term financing
  • Klarna app placement
  • Klarna Checkout
  • In-store payments
  • On-site messaging
  • Merchant portal

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.

Klarna

  • A fashion or furniture retailer with average order values high enough that a 3% fee uplift is repaid by a larger basketnot Mollie
  • A merchant selling to younger shoppers who have low credit card penetration and would otherwise abandon at checkoutnot Mollie
  • A European retailer wanting a single hosted checkout that handles instalments, invoice and card in one flownot Mollie
  • A brand that wants distribution inside Klarna's shopping app as an acquisition channel rather than only a payment optionnot 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 Klarna
  • A small merchant that wants published pricing rather than a sales call before it can model card costsnot Klarna
  • A subscription business in the EEA collecting by SEPA Direct Debit mandate instead of cardnot Klarna
  • A marketplace or platform that needs one integration covering the main European local methodsnot Klarna

Where each one falls short

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

Klarna

  • Merchant fees for the short-term products run around 5.99% plus a fixed fee in the United States, roughly double a standard card rate, so unless Klarna measurably lifts average order value or conversion it is a straight margin loss.
  • Rates are negotiated and unpublished, which means small merchants pay the standard rate while large ones negotiate down, and you cannot benchmark what you are being charged without going to market.
  • Returns and partial refunds are handled through Klarna's systems rather than your payment processor, so your finance team reconciles a second settlement flow and customer service handles a second dispute process.
  • Buy now pay later is being brought under consumer credit regulation in the UK, the EU and Australia, which is already changing affordability checks and disclosures; the checkout experience that converts today may be legally required to add friction.
  • Klarna owns the post-purchase relationship, sending payment reminders and marketing in its own name, so a shopper who has a poor collections experience associates it with your brand while you have no control over the messaging.

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

Klarna

On request
  • Klarna for Business$undefined/year
    • Per-transaction percentage plus a fixed fee, negotiated by merchant
    • No published rate card; rates vary by market, product and volume
    • Short-term products priced materially above card interchange

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 Klarna if

  • You need pay in 4.
  • You work on Web, iOS, Android.
  • You also want pay in 30 days.
Klarna 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 Klarna or Mollie better?
Neither clearly leads. Klarna 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, Klarna or Mollie?
Klarna starts at On request and Mollie at £0.3/transaction.
Does Klarna or Mollie run on more platforms?
Klarna runs on Web, iOS, Android. Mollie runs on Web, iOS, Android, API.
What is Klarna best used for?
Klarna is most often used for a fashion or furniture retailer with average order values high enough that a 3% fee uplift is repaid by a larger basket, a merchant selling to younger shoppers who have low credit card penetration and would otherwise abandon at checkout, a european retailer wanting a single hosted checkout that handles instalments, invoice and card in one flow, a brand that wants distribution inside klarna's shopping app as an acquisition channel rather than only a payment option. Of those, a fashion or furniture retailer with average order values high enough that a 3% fee uplift is repaid by a larger basket and a merchant selling to younger shoppers who have low credit card penetration and would otherwise abandon at checkout are not what Mollie is typically brought in for.
What can Klarna do that Mollie cannot?
Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement. Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API.

Answered from the vendors’ own pages

Klarna: What does Klarna cost a merchant?

Klarna does not publish a rate card. In the United States most merchants pay around 5.99% plus $0.30 for short-term products, with longer-term financing nearer 3.29% plus $0.30, and large merchants negotiate lower.

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.

Klarna: Does the merchant carry the credit risk?

No. Klarna pays the merchant the full amount less fees and takes the risk of the shopper not paying.

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.

Klarna: Can I use Klarna alongside my existing processor?

Yes. It is normally added as an additional payment method through Shopify, Adyen, Stripe or a direct integration rather than replacing your card acquirer.

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.

Klarna: Is Klarna still independent?

Yes. It listed on the New York Stock Exchange in September 2025 and holds a Swedish banking licence.

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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