Softwr

E-Commerce · head to head

Mollie vs Sila

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
Sila logo

Sila

APIs

US money movement API for ACH, RTP and FedNow with KYC and ledgering built in

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.; Sila no pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
  • They diverge on capability: Mollie covers Local payment methods, Sila covers ACH origination.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Mollie and Sila actually diverge.

Attributes where Mollie and Sila differ
AttributeMollieSila
Starting price£0.3/transactionOn request
Pricing modelPer transaction by payment methodquote
PlatformsWeb, iOS, Android, APIWeb, API
CategoryE-CommerceAPIs

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 Sila

  • ACH origination
  • Instant rails
  • KYC and KYB
  • Virtual accounts
  • Ledger
  • Wallets and holds
  • Webhooks
  • Bank-side deployment

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

Sila

  • A small fintech that needs ACH, identity verification and a ledger from one vendor because it has no compliance team to assemble threenot Mollie
  • A marketplace paying out to sellers that wants same-day ACH and instant push options without becoming a money transmitter itselfnot Mollie
  • A community bank replacing batch file ACH processing with an API so it can offer real-time payments to business customersnot Mollie
  • A lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integrationnot 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.

Sila

  • No pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
  • Sila is materially smaller and less well capitalised than the banking-as-a-service names it competes with, which matters because your customer funds and your payment rails depend on the vendor still trading in three years.
  • The sponsor bank behind your programme determines what you can offer and how fast you can change it, and bank partnerships in this sector have been reshuffled repeatedly since 2023, so a bank change during your contract is a realistic risk rather than a theoretical one.
  • Coverage is United States only, so any product with cross-border ambitions needs a second payments vendor and a second reconciliation process from the outset.
  • Onboarding involves compliance diligence on your own programme, and teams routinely underestimate this, with weeks lost between signing and first live transaction while policies, flow of funds diagrams and BSA arrangements are reviewed.

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

Sila

On request
  • Sila Payments Platform$undefined/month
    • ACH, RTP and FedNow
    • KYC and KYB verification
    • Virtual accounts and ledger

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 Sila if

  • You need ach origination.
  • You work on Web, API.
  • You also want instant rails.
Sila review

Questions people ask

Is Mollie or Sila better?
Neither clearly leads. Mollie starts at £0.3/transaction and Sila at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mollie or Sila?
Mollie starts at £0.3/transaction and Sila at On request.
Does Mollie or Sila run on more platforms?
Mollie runs on Web, iOS, Android, API. Sila runs on Web, API.
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 Sila is typically brought in for.
What can Mollie do that Sila cannot?
Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API. Sila covers ACH origination, Instant rails, KYC and KYB, Virtual accounts.

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.

Sila: Does Sila require a sponsor bank?

Yes. Funds sit at a partner bank, and which bank that is affects your product features and your regulatory exposure, so ask before signing.

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.

Sila: Is Sila still operating?

Yes. It continues to trade and announced an API integration with GBank in 2025 covering ACH, RTP and FedNow.

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.

Sila: What does it cost?

Sila does not publish rates. Expect per-transaction pricing plus a monthly minimum, quoted after a compliance conversation.

Mollie: Does Mollie do interchange plus?

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

Sila: Can I use it outside the United States?

No. Sila covers US rails only.

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