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E-Commerce · head to head

Mollie vs Tink

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
Tink logo

Tink

APIs

European open banking platform for account data and payment initiation

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.; Tink visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
  • They diverge on capability: Mollie covers Local payment methods, Tink covers Account data access.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Mollie and Tink actually diverge.

Attributes where Mollie and Tink differ
AttributeMollieTink
Starting price£0.3/transactionOn request
Pricing modelPer transaction by payment methodquote
PlatformsWeb, iOS, Android, APIAPI, Web
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 Tink

  • Account data access
  • Payment initiation
  • EEA passporting
  • Categorisation
  • Account verification
  • Risk and affordability signals
  • Variable recurring payments support
  • Consent management

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

Tink

  • A European lender that needs verified income and expense data from a borrower bank account across several EEA markets under one licencenot Mollie
  • A merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value basketsnot Mollie
  • A fintech that does not hold its own PSD2 licence and needs to operate under an authorised provider passported across the EEAnot Mollie
  • A bank building an account aggregation view of a customer external accounts without negotiating with each institution individuallynot 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.

Tink

  • Visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
  • Coverage is Europe only, so a product serving both European and United States users runs a second aggregator with a different data model and a separate contract.
  • PSD2 connection quality varies sharply by bank, and headline connection counts hide wide differences in success rate, consent lifetime and re-authentication frequency that determine what users actually experience.
  • Consent under PSD2 expires and requires periodic re-authentication, so any product depending on continuous data access has a recurring user friction it cannot design away, and drop-off at re-consent is a real product problem.
  • Pricing is quoted with data access and payment initiation priced separately, and there is no published rate card, so small merchants cannot compare pay-by-bank economics against card acceptance without a sales process.

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

Tink

On request
  • Tink Platform$undefined/year
    • Priced by product, market and volume
    • Data access and payment initiation priced separately
    • Annual commitments typical for enterprise agreements

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 Tink if

  • You need account data access.
  • You work on API, Web.
  • You also want payment initiation.
Tink review

Questions people ask

Is Mollie or Tink better?
Neither clearly leads. Mollie starts at £0.3/transaction and Tink at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mollie or Tink?
Mollie starts at £0.3/transaction and Tink at On request.
Does Mollie or Tink run on more platforms?
Mollie runs on Web, iOS, Android, API. Tink runs on API, 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 Tink is typically brought in for.
What can Mollie do that Tink cannot?
Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API. Tink covers Account data access, Payment initiation, EEA passporting, Categorisation.

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.

Tink: Who owns Tink?

Visa, since 2022. That is directly relevant if you are adopting pay-by-bank specifically to reduce card costs.

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.

Tink: Do I need my own PSD2 licence?

No. Tink holds AIS and PIS licences from the Swedish FSA passported across the EEA, and customers can operate as its agent rather than obtaining their own authorisation.

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.

Tink: Does Tink cover the United States?

No. It is a European platform. US coverage requires a separate provider.

Mollie: Does Mollie do interchange plus?

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

Tink: How reliable are the bank connections?

It varies by institution far more than the headline count of roughly 6,000 connections suggests. Ask for per market and per bank success rates and consent lifetimes for the banks your users actually hold accounts with.

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