Is Mollie or Toast better?

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

Which is cheaper, Mollie or Toast?

Toast has a free tier; the other does not. Paid plans start at £0.3/transaction for Mollie and Free for Toast.

Does Mollie or Toast run on more platforms?

Mollie runs on Web, iOS, Android, API. Toast runs on Web, iOS, Android, Tablets, Web browsers.

Can I use Toast for free?

Yes. Toast has a free tier, so you can try it without paying. Mollie starts at £0.3/transaction.

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 Toast is typically brought in for.

What can Mollie do that Toast cannot?

Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API. Toast covers Point of sale, Order management, Kitchen display system, Employee scheduling.

E-Commerce · head to head

Mollie vs Toast

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

Toast

E-Commerce

Cloud POS platform for restaurants and hospitality

From: Free
Rated: -

Full review Website

The short version

Only Toast has a free tier, so it costs nothing to try first.
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.; Toast starter tier lacks advanced features; most capabilities require paid plans above $69/month
They diverge on capability: Mollie covers Local payment methods, Toast covers Point of sale.
Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Mollie and Toast actually diverge.

Attributes where Mollie and Toast differ
Attribute	Mollie	Toast
Starting price	£0.3/transaction	Free
Pricing model	Per transaction by payment method	Unknown
Free tier	No	Yes
Platforms	Web, iOS, Android, API	Web, iOS, Android, Tablets, Web browsers
Founded	Unknown	2011

Identical on both: user rating (Not yet rated), category (E-Commerce).

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 Toast

Point of sale
Order management
Kitchen display system
Employee scheduling
Customer management
Inventory tracking
Analytics & reporting
Delivery integration

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

Toast

No use cases recorded yet. See the Toast review.

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.

Toast

Starter tier lacks advanced features; most capabilities require paid plans above $69/month
No free tier for advanced features like employee scheduling, inventory, or loyalty programs
Setup and training time required for complex multi-location deployments
Payment processing tied to Toast ecosystem; limited flexibility for alternative payment processors
Hardware costs can be substantial for full-featured setups with multiple terminals and kitchen displays

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

Toast

Free

Starter KitFree
- Cloud-based POS
- Payment processing
- 1-2 terminals
Point of Sale$69/month
- Custom hardware configurations
- Advanced reporting
- Core POS features

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 Toast if

You need point of sale.
You want to start without paying.
You work on Web, iOS, Android, Tablets, Web browsers.
You also want order management.

Toast review

Questions people ask

Is Mollie or Toast better?: Neither clearly leads. Mollie starts at £0.3/transaction and Toast at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mollie or Toast?: Toast has a free tier; the other does not. Paid plans start at £0.3/transaction for Mollie and Free for Toast.
Does Mollie or Toast run on more platforms?: Mollie runs on Web, iOS, Android, API. Toast runs on Web, iOS, Android, Tablets, Web browsers.
Can I use Toast for free?: Yes. Toast has a free tier, so you can try it without paying. Mollie starts at £0.3/transaction.
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 Toast is typically brought in for.
What can Mollie do that Toast cannot?: Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API. Toast covers Point of sale, Order management, Kitchen display system, Employee scheduling.

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.

Toast: What is the cost of Toast POS?

Toast offers a free Starter Kit tier for one or two terminals with POS and payment processing at no upfront cost, though costs are built into payment processing rates. Paid plans start at $69/month for the Point of Sale plan, with Custom tier available via quote for advanced features.

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.

Toast: Does Toast include online ordering?

Yes. Toast offers online ordering capabilities where customers can order via QR code while seated (Order & Pay) or through standalone online ordering integrated with the POS for kitchen automation.

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.

Toast: Does Toast offer drive-through capabilities?

Yes. In April 2026, Toast launched a drive-thru product supporting voice ordering through integrations, allowing restaurants to automate drive-through workflows.

Source

Mollie: Does Mollie do interchange plus?

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

Mollie vs Toast

Mollie

Toast

The short version

Where they differ

What each one covers

Only in Mollie

Only in Toast

What people use each for

Mollie

Toast

Where each one falls short

Mollie

Toast

Pricing, plan by plan

Mollie

Toast

Which should you pick?

Choose Mollie if

Choose Toast if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Mollie

More on Toast

Keep looking

Other head to heads