Is Mollie or Spendesk better?

Neither clearly leads. Mollie starts at £0.3/transaction and Spendesk at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Mollie or Spendesk?

Mollie starts at £0.3/transaction and Spendesk at $29/month.

Does Mollie or Spendesk run on more platforms?

Mollie runs on Web, iOS, Android, API. Spendesk runs on Web, Mobile iOS, Mobile 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 Spendesk is typically brought in for.

What can Mollie do that Spendesk cannot?

Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API. Spendesk covers Company cards, Expense management, Invoice payments, Budget management.

E-Commerce · head to head

Mollie vs Spendesk

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

Spendesk

Accounting

Smart spend management for modern teams

From: $29/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.; Spendesk no publicly available pricing, requires custom quote
They diverge on capability: Mollie covers Local payment methods, Spendesk covers Company cards.
Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Mollie and Spendesk actually diverge.

Attributes where Mollie and Spendesk differ
Attribute	Mollie	Spendesk
Starting price	£0.3/transaction	$29/month
Pricing model	Per transaction by payment method	subscription
Platforms	Web, iOS, Android, API	Web, Mobile iOS, Mobile Android
Category	E-Commerce	Accounting
Founded	Unknown	2016

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 Spendesk

Company cards
Expense management
Invoice payments
Budget management
Spend analytics
Xero
Sage
NetSuite

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

Spendesk

Expense managementnot Mollie
Spend controlnot Mollie
Finance 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.

Spendesk

No publicly available pricing, requires custom quote
Strong European presence but limited in some non-EU markets
High implementation costs due to extensive integration requirements

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

Spendesk

$29/month

EssentialsFree
- Virtual cards
- Expense tracking
- Approvals

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 Spendesk if

You need company cards.
You work on Web, Mobile iOS, Mobile Android.
You also want expense management.

Spendesk review

Questions people ask

Is Mollie or Spendesk better?: Neither clearly leads. Mollie starts at £0.3/transaction and Spendesk at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mollie or Spendesk?: Mollie starts at £0.3/transaction and Spendesk at $29/month.
Does Mollie or Spendesk run on more platforms?: Mollie runs on Web, iOS, Android, API. Spendesk runs on Web, Mobile iOS, Mobile 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 Spendesk is typically brought in for.
What can Mollie do that Spendesk cannot?: Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API. Spendesk covers Company cards, Expense management, Invoice payments, Budget management.

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.

Spendesk: What is included in Spendesk's platform?

Spendesk combines corporate cards, a mobile receipts app, approval workflows, automated reconciliation, accounts payable, procurement, and spend controls into one platform.

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.

Spendesk: How does Spendesk handle expense receipts?

Spendesk captures receipts via mobile photo upload with OCR technology, automatically matching receipts to transactions and generating automated expense reports with 98% of expense receipts collected on time.

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.

Spendesk: What integrations does Spendesk offer?

Spendesk integrates with accounting software including Sage, Xero, NetSuite, and SAP, plus HR systems and tools like Slack for comprehensive spend management.

Source

Mollie: Does Mollie do interchange plus?

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

Spendesk: Is Spendesk profitable?

Yes. Spendesk became the first spend management platform to reach profitability in 2025, processing over £10 billion in spend across 35+ countries.

Source

Spendesk: What is Spendesk's valuation?

Spendesk is a unicorn company with a valuation of $1.5 billion, with 2025 revenue of $52 million ARR.

Source

Spendesk: How much time can Spendesk save on bookkeeping?

Organizations using Spendesk save an average of 4 days per month on bookkeeping, equivalent to over 380 hours per year returned to the business.

Source

Mollie vs Spendesk

Mollie

Spendesk

The short version

Where they differ

What each one covers

Only in Mollie

Only in Spendesk

What people use each for

Mollie

Spendesk

Where each one falls short

Mollie

Spendesk

Pricing, plan by plan

Mollie

Spendesk

Which should you pick?

Choose Mollie if

Choose Spendesk if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Mollie

More on Spendesk

Keep looking

Other head to heads