Is Mollie or Pleo better?

Neither clearly leads. Mollie starts at £0.3/transaction and Pleo at £9.5/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Mollie or Pleo?

Mollie starts at £0.3/transaction and Pleo at £9.5/month.

Does Mollie or Pleo run on more platforms?

Mollie runs on Web, iOS, Android, API. Pleo runs on iOS, Android, Web.

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 Pleo is typically brought in for.

What can Mollie do that Pleo cannot?

Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API. Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits.

E-Commerce · head to head

Mollie vs Pleo

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 review Website

Pleo

Accounting

Smart company cards for forward-thinking teams

From: £9.5/month
Rated: -

Full review Website

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.; Pleo card delays and transaction limits impact usability, with limited regional acceptance in some areas
They diverge on capability: Mollie covers Local payment methods, Pleo covers Company cards.
Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Mollie and Pleo actually diverge.

Attributes where Mollie and Pleo differ
Attribute	Mollie	Pleo
Starting price	£0.3/transaction	£9.5/month
Pricing model	Per transaction by payment method	Unknown
Platforms	Web, iOS, Android, API	iOS, Android, Web
Category	E-Commerce	Accounting
Founded	Unknown	2015

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 Pleo

Company cards
Receipt capture
Expense categorization
Spend limits
Accounting sync
Xero
QuickBooks
Sage

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

Pleo

Employee expensesnot Mollie
Spending autonomynot Mollie
Expense automationnot 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.

Pleo

Card delays and transaction limits impact usability, with limited regional acceptance in some areas
Receipt capture OCR inaccuracies and upload lag/glitches complicate expense categorization
Limited expense categories and tags reduce flexibility for complex accounting structures
Transaction approval workflows have minimal customization options
Lacks in-built forecasting tools and reporting is basic, providing limited insights into trends

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

Pleo

£9.5/month

Starter$9.5/month
- Company cards
- Real-time expense tracking
- Automated reports
Essential$39/month
- Reimbursements
- Mileage and per diem
- Vendor cards
Advanced$89/month
- Cashback
- Budgets
- Multi-entity management
Beyond$179/month
- Spending insights
- Sub-wallets
- Dedicated success manager

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 Pleo if

You need company cards.
You work on iOS, Android, Web.
You also want receipt capture.

Pleo review

Questions people ask

Is Mollie or Pleo better?: Neither clearly leads. Mollie starts at £0.3/transaction and Pleo at £9.5/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mollie or Pleo?: Mollie starts at £0.3/transaction and Pleo at £9.5/month.
Does Mollie or Pleo run on more platforms?: Mollie runs on Web, iOS, Android, API. Pleo runs on iOS, Android, Web.
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 Pleo is typically brought in for.
What can Mollie do that Pleo cannot?: Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API. Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits.

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.

Pleo: What are Pleo's pricing tiers?

Pleo offers four pricing tiers: Starter (GBP 9.50/month), Essential (GBP 39.00/month), Advanced (GBP 89.00/month), and Beyond (GBP 179.00/month). Annual billing provides equivalent of two free months.

Source

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.

Pleo: Does Pleo have a free tier?

No, Pleo does not offer a free tier or permanent free plan. All plans require payment with a free trial available for evaluation.

Source

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.

Pleo: What integrations does Pleo support for accounting?

Pleo integrates directly with Xero and QuickBooks, plus Sage 200, Sage 50, Microsoft Dynamics 365 Business Central, Datev, and Visma e-conomic. Zapier integrations are also available.

Source

Mollie: Does Mollie do interchange plus?

Not publicly. The published rates are blended, so falling interchange does not flow through to you automatically.

Pleo: What platforms can access Pleo?

Pleo is accessible via iOS and Android mobile apps, and through a web interface. Physical and virtual cards are issued for spending.

Source

Pleo: Does Pleo support multiple currencies?

Yes, Pleo supports multi-currency spending and transactions. The platform is particularly strong for European teams with local payment methods.

Source

Mollie vs Pleo

Mollie

Pleo

The short version

Where they differ

What each one covers

Only in Mollie

Only in Pleo

What people use each for

Mollie

Pleo

Where each one falls short

Mollie

Pleo

Pricing, plan by plan

Mollie

Pleo

Which should you pick?

Choose Mollie if

Choose Pleo if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Mollie

More on Pleo

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