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E-Commerce · head to head

Mollie vs Moss

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
Moss logo

Moss

Accounting

European corporate cards, invoice management and accounting automation

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; Moss pricing is not published anywhere, so the only way to compare Moss with Pleo or Payhawk is to run parallel sales processes and reveal your spend volume to all of them.
  • They diverge on capability: Mollie covers Local payment methods, Moss covers Corporate credit cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Mollie and Moss actually diverge.

Attributes where Mollie and Moss differ
AttributeMollieMoss
Starting price£0.3/transactionOn request
Pricing modelPer transaction by payment methodquote
PlatformsWeb, iOS, Android, APIWeb, iOS, Android
CategoryE-CommerceAccounting

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 Mollie

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

Only in Moss

  • Corporate credit cards
  • Invoice management
  • Employee reimbursements
  • DATEV export
  • Accounting preparation
  • Budgets and teams
  • Receipt matching
  • Multi entity

What people use each for

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

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 Moss
  • A small merchant that wants published pricing rather than a sales call before it can model card costsnot Moss
  • A subscription business in the EEA collecting by SEPA Direct Debit mandate instead of cardnot Moss
  • A marketplace or platform that needs one integration covering the main European local methodsnot Moss

Moss

  • A German company whose tax adviser works in DATEV and needs card and invoice data exported without manual rekeyingnot Mollie
  • A finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capitalnot Mollie
  • A business consolidating supplier invoice approval and card spend into one approval chainnot Mollie
  • A group with entities in Germany, the Netherlands and Spain wanting one spend view across themnot Mollie

Where each one falls short

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

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.

Moss

  • Pricing is not published anywhere, so the only way to compare Moss with Pleo or Payhawk is to run parallel sales processes and reveal your spend volume to all of them.
  • Card limits are underwritten, so early stage companies and businesses with thin filed accounts are routinely offered limits well below what they need and the limit can be reduced on review.
  • Coverage is European and weighted to DACH, so any group with United States or Asian entities has to run a second card programme and reconcile two systems.
  • Invoice management is capable but not a full procurement or purchase order system, so businesses needing three way matching against goods receipts will find it thin.
  • As a non bank the credit product depends on partner banks and funding lines, which means the terms behind your limit are set by a party you do not contract with and can change without you being the cause.

Pricing, plan by plan

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

Moss

On request
  • Moss$undefined/year
    • Platform fee plus per user components, quoted per customer
    • Card limits set by underwriting against company financials
    • DATEV export and accounting preparation included in core plans

Which should you pick?

Choose Mollie if

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

Choose Moss if

  • You need corporate credit cards.
  • You work on Web, iOS, Android.
  • You also want invoice management.
Moss review

Questions people ask

Is Mollie or Moss better?
Neither clearly leads. Mollie starts at £0.3/transaction and Moss at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mollie or Moss?
Mollie starts at £0.3/transaction and Moss at On request.
Does Mollie or Moss run on more platforms?
Mollie runs on Web, iOS, Android, API. Moss runs on Web, iOS, Android.
What is Mollie best used for?
Mollie is most often used for a dutch or belgian shop where most customers pay by ideal or bancontact and the flat 30p beats a percentage rate on high-value baskets, a small merchant that wants published pricing rather than a sales call before it can model card costs, a subscription business in the eea collecting by sepa direct debit mandate instead of card, a marketplace or platform that needs one integration covering the main european local methods. Of those, a dutch or belgian shop where most customers pay by ideal or bancontact and the flat 30p beats a percentage rate on high-value baskets and a small merchant that wants published pricing rather than a sales call before it can model card costs are not what Moss is typically brought in for.
What can Mollie do that Moss cannot?
Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API. Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export.

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.

Moss: Does Moss issue credit or prepaid cards?

Credit in its core German offer, settled monthly against an underwritten limit, rather than requiring a pre funded balance.

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.

Moss: Is DATEV export genuinely automatic?

Yes, bookings and receipt images export in DATEV format, which is the main reason German finance teams choose it over non German tools.

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.

Moss: Does Moss work outside Europe?

Not meaningfully. Coverage centres on Germany, Austria, the Netherlands, the UK and Spain, so global groups need a second provider.

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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