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E-Commerce · head to head

Mollie vs Very Good Security

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
Very Good Security logo

Very Good Security

Cybersecurity

Tokenisation proxy that keeps card and personal data out of your own systems and out of PCI scope

From
$1000/month
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.; Very Good Security vGS sits in the live path of every request carrying sensitive data, so its latency and availability become yours, and an outage in the proxy is a payment outage no matter how healthy your own systems are.
  • They diverge on capability: Mollie covers Local payment methods, Very Good Security covers Aliasing proxy.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Mollie and Very Good Security actually diverge.

Attributes where Mollie and Very Good Security differ
AttributeMollieVery Good Security
Starting price£0.3/transaction$1000/month
Pricing modelPer transaction by payment methodPer month
PlatformsWeb, iOS, Android, APIWeb, API
CategoryE-CommerceCybersecurity

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 Very Good Security

  • Aliasing proxy
  • PCI scope reduction
  • Network tokenisation
  • Processor optionality
  • Card issuing data
  • Vault and access controls
  • Data residency options
  • Compliance artefacts

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

Very Good Security

  • A marketplace facing its first PCI DSS Level 1 assessment that wants to keep card data off its own estate rather than harden a dozen servicesnot Mollie
  • A merchant negotiating with a second acquirer that needs card credentials portable so the negotiation is real rather than theoreticalnot Mollie
  • A fintech collecting bank account and identity documents that wants sensitive fields absent from logs, backups and analytics warehouses by constructionnot Mollie
  • A card issuer that must display a full PAN in its own mobile app without the app or its backend touching cardholder datanot 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.

Very Good Security

  • VGS sits in the live path of every request carrying sensitive data, so its latency and availability become yours, and an outage in the proxy is a payment outage no matter how healthy your own systems are.
  • Token portability is the whole selling point yet leaving VGS means migrating tokens back out, a project the vendor has no incentive to streamline, so the lock-in you removed from your acquirer partly moves to VGS.
  • Entry pricing at around one thousand US dollars a month is real money for a pre-revenue fintech, and it buys volume-limited throughput, so cost scales with exactly the growth that made you buy it.
  • Scope reduction is not scope elimination: your QSA still assesses how you integrate, and teams regularly discover that a support tool or an internal admin screen pulled plaintext back in and dragged systems into scope again.
  • Proxy-based interception constrains how you design request flows, and non-standard payloads, streaming uploads or binary formats often need custom routing rules that make debugging production issues noticeably harder.

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

Very Good Security

$1000/month
  • Starter$1000/month
    • Aliasing proxy
    • Vault storage
    • PCI scope reduction
  • Growth$undefined/month
    • Network tokenisation
    • Multiple processors
    • Data residency options
  • Enterprise$undefined/year
    • Custom vault architecture
    • Dedicated support and SLA
    • Contractual compliance coverage

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 Very Good Security if

  • You need aliasing proxy.
  • You work on Web, API.
  • You also want pci scope reduction.
Very Good Security review

Questions people ask

Is Mollie or Very Good Security better?
Neither clearly leads. Mollie starts at £0.3/transaction and Very Good Security at $1000/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mollie or Very Good Security?
Mollie starts at £0.3/transaction and Very Good Security at $1000/month.
Does Mollie or Very Good Security run on more platforms?
Mollie runs on Web, iOS, Android, API. Very Good Security 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 Very Good Security is typically brought in for.
What can Mollie do that Very Good Security cannot?
Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API. Very Good Security covers Aliasing proxy, PCI scope reduction, Network tokenisation, Processor optionality.

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.

Very Good Security: Does VGS make me PCI compliant?

No. It removes cardholder data from your systems so your assessment covers a far smaller boundary, but you still complete an assessment and your integration is part of it.

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.

Very Good Security: Can I move to another processor without re-collecting cards?

Yes, that is a core reason people buy it. The vault reveals stored credentials to whichever processor you route to.

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.

Very Good Security: What does it cost?

Published entry pricing is about one thousand US dollars per month; growth and enterprise tiers are quoted.

Mollie: Does Mollie do interchange plus?

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

Very Good Security: Is it only for card data?

No. The proxy handles any sensitive field, including bank details, national identifiers and documents, though payments is where the product is now focused.

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