Mollievs
Stripe
Stripe: If you sell globally or want the deepest developer tooling and reporting, rather than the best European local-method rates
Mollie
European payment service provider with published per-transaction rates and no monthly fee on the online plan
As of 31 August 2026, Mollie starts at £0.3/transaction. A Dutch payment service provider that publishes its full rate card per payment method rather than quoting on volume. Softwr lists it under E-Commerce. Mollie is made by Mollie B.V., available on Web, iOS, Android, API.
Overview
What Mollie does
Mollie processes online and in-person payments for European merchants. It supports cards, iDEAL, Bancontact, SEPA Direct Debit and bank transfer, PayPal, Apple Pay and Google Pay, and offers hosted checkout, links, subscriptions and a plugin set for the usual shop platforms. It holds its own payment institution permissions rather than reselling another acquirer. What distinguishes it commercially is that the rate card is public and per method, not per contract. UK domestic consumer cards run at 1.20% plus 20p, iDEAL and SEPA are a flat 30p irrespective of basket size, and the online plan has no monthly fee. For a Dutch or Belgian merchant whose customers mostly pay by iDEAL or Bancontact, the effective blended rate lands well below a percentage-based card processor, because a 400 euro basket paid by iDEAL still costs 30p. In-person is separate: pay as you go at zero per month, or a Pro plan at 20 pounds a month on a one-year contract with each extra terminal at another 20 pounds a month. Buyers are small and mid-sized European online merchants, particularly in the Benelux, plus platforms that want a single integration across local methods. The trade-off is geography. Non-European cards are charged at 3.25% plus 20p, more than double the domestic rate, so a merchant with meaningful US or Asian traffic pays a penalty that a global processor would not levy. Support and the settlement model are also built around European banking hours rather than a follow-the-sun operation.
What people use it 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
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about 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.
Cross-shopped
What people choose instead of Mollie
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- MollievsAdyen
Adyen: If you are large enough to want interchange plus pricing and a single acquirer across Europe, the Americas and Asia
- MollievsCheckout.com
Checkout.com: If you want direct acquiring with negotiated rates and are willing to go through a sales process to get them
Pricing
What Mollie costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Online payments
Free
- No monthly fee
- UK domestic consumer cards 1.20% + 20p
- European and commercial cards 2.90% + 20p
- Non-European cards 3.25% + 20p
- iDEAL, SEPA Direct Debit and SEPA transfer 30p flat
- Bancontact 1.40% + 20p
In person, pay as you go
Free
- No monthly commitment
- Per-transaction terminal rates
- One terminal
In person, Pro
£20 /mo
- Lower per-transaction terminal rates
- One-year contract required
- Each additional terminal 20 pounds per month
Capabilities
Features
Local payment methods
iDEAL, Bancontact, SEPA Direct Debit, Wero and Bacs alongside cards
Published rate card
Per-method fees listed publicly instead of quoted per merchant
Hosted checkout and payment links
Take payments without building a card form or holding card data
Subscriptions API
Recurring charges built on stored SEPA mandates and card tokens
Point of sale terminals
Card terminals on a pay as you go or 20 pounds a month Pro plan
Plugin ecosystem
Prebuilt connectors for WooCommerce, Shopify, Magento and similar
Multicurrency settlement
Accept in several currencies with settlement to a European bank account
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
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.
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.
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.
Does Mollie do interchange plus?
Not publicly. The published rates are blended, so falling interchange does not flow through to you automatically.
Keep looking
Where to go from Mollie
- Mollie alternativesEvery product people weigh against it
- Mollie pricingPlans, floors and what the tiers exclude
- Mollie badgesWhich rules it meets, and the figure behind each
- All E-Commerce softwareThe full category
- Best E-Commerce softwareThe shortlist, and how it was cut
Best E-Commerce software for
Compare Mollie with
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- Vinted
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Softwr does not host reviews and shows no star rating for Mollie, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
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