Mollie

Overview

Founded in 2004 and headquartered in Amsterdam, Mollie says it serves more than 250,000 businesses across Europe. Its products cover online payments, checkout, payment links, in-person acceptance, recurring payments, invoicing, business accounts, capital, outbound payments, and acceptance and risk. It is a business service: payment services are for organizations acting in a business capacity, not personal, family, or household users.

Mollie serves ecommerce businesses, franchises, marketplaces, and SaaS companies. Businesses can use its web app, mobile apps, or API, though the breadth of its offering will matter most to companies that need more than a basic way to take payments.

Key features

Online and in-person acceptance

Mollie supports card and local payment methods, recurring payments, and marketplace payments. Its catalog covers 28 currencies, with payouts to 31 countries. That reach and recurring-payment support make it relevant to merchants serving customers across markets; the specific transaction rates still need to be weighed against a business's sales mix.

For in-person sales, businesses can use terminals or Mollie's Tap app. Tap to Pay works on iPhone and Android, and the app can turn a phone, tablet, or kiosk into a contactless terminal. Using an existing device offers an alternative to buying dedicated hardware, while businesses that need a terminal must account for both its purchase price and any monthly active-terminal charge.

Payouts, integrations, and controls

Businesses can choose payouts every business day, weekly on a selected business day, or monthly on the first business day. Mollie supports payouts in EUR, GBP, AUD, CAD, CZK, DKK, HUF, NOK, PLN, SEK, CHF, and USD, with up to 11 additional payout currencies. That choice helps businesses align payout timing with their cash-flow needs.

Developers get a customizable API, ready-made plugins, and client and server libraries for JavaScript, PHP, .NET, and Python. Integrations include Shopify, WooCommerce, Magento, Odoo, HubSpot, Chargebee, Jotform, QuickBooks, and Zapier. Mollie states that it is SOC 2 Type 2 and PCI-DSS Level 1 compliant, and that its operational controls are ISAE 3402 Type 2 audited. Mollie B.V. is licensed as an electronic money institution by the Dutch Central Bank, while Mollie UK Ltd is licensed by the UK Financial Conduct Authority. A help centre, customer support, and a partnerships team support users and platform integrations.

Pricing

Pay as you go costs 0.00 EUR per month, billed €0 per month, with no contract or commitment. Domestic consumer debit and credit cards cost 1.20%, other consumer cards 1.80%, American Express 2.10%, and commercial cards 2.90%. The plan allows one hardware terminal maximum. This suits businesses starting out or with modest terminal needs, but the commercial-card rate and one-terminal ceiling may be a poor fit for higher-volume or multi-location operations.

Business accounts cost 9.00 EUR per month, billed €9/mo, with 12 months free. The plan includes five accounts, unlimited incoming transfers, 100 free outgoing transfers per month, €0.20 per additional transfer, and five Mollie debit cards. It is aimed at businesses that want account and transfer services as well as payment acceptance; the outgoing-transfer allowance matters if they regularly make more than 100 transfers monthly.

Pro costs 20.00 EUR per month, billed €20 per month. Domestic consumer debit and credit cards cost 0.10 € + 0.85%, other consumer cards 0.10 € + 1.50%, American Express 0.10 € + 1.80%, and commercial cards 0.10 € + 2.50%. One terminal license is included, with additional terminals at €20/mo each. The lower percentage rates may suit businesses processing enough card volume to offset the monthly charge and per-transaction fixed fee; each additional terminal adds a recurring cost.

Tap terminal costs 95.00 EUR per once, billed €95, and accepts cards and wallets over 4G or Wi-Fi, with front-facing NFC and digital receipts by QR or email. Fixed terminal and Mobile terminal each cost 350.00 EUR per once, billed €350, and start at €20 per month per active terminal. Fixed is vandal-proof and designed for kiosks and unattended payment setups, while Mobile is portable and has an embedded receipt printer. These hardware options address different settings, but the active-terminal charge makes them more expensive to keep running than the purchase price alone suggests.

Online payments has custom pricing, billed per transaction: Mastercard/Visa EEA consumer cards cost 1.80% + €0.25, EEA commercial cards 2.90% + €0.25, non-EEA cards 3.25% + €0.25, SEPA Direct Debit €0.35, and SEPA Bank Transfer €0.25. That structure gives online merchants rates by payment type, but the fixed €0.25 card charge is relevant when average order values are low.

Platforms

Mollie is available on Android, iOS, web, and through its API. Its platform and mobile-device options cover both online workflows and face-to-face acceptance.

Who it's for

Mollie is best suited to European and UK businesses that need a mix of online and in-person acceptance, recurring or marketplace payments, and payout options. Ecommerce, franchise, marketplace, and SaaS operators can also draw on its plugins and developer libraries. It is not for personal or household payment use, and businesses requiring several terminals should compare the ongoing hardware charges with their operating needs.

Pros and cons

• Broad payment offering: Online, in-person, recurring, and marketplace payments sit alongside invoicing and money-management products, which can serve businesses with varied needs.
• Flexible in-person acceptance: Tap to Pay on iPhone and Android can use an existing device, while dedicated terminals cover mobile, fixed, and kiosk-oriented setups.
• Useful developer and commerce connections: The API, language libraries, plugins, and integrations with services such as Shopify and WooCommerce give businesses several ways to connect payment operations.
• Terminal limits and costs: Pay as you go allows one hardware terminal at most; Pro charges €20/mo for each additional terminal, and fixed and mobile hardware starts at €20 per month per active terminal.
• Rates vary by payment type: Card and transfer charges differ, and Pro's fixed fee per card transaction may weigh more heavily on lower-value orders.
• Business-only use: Mollie's payment services do not serve personal, family, or household users.

Alternatives

Choose PayPal Invoicing if the priority is creating and sending invoices without setup or subscription fees; its Free plan still charges transaction fees when customers pay.

Airwallex Payments is another option for businesses seeking online card and local payment acceptance on a freemium platform; its Explore plan is free per user/month, with processing fees applying.

Checkout.com may suit registered charities eligible for free processing in the countries where it operates, while its tailored pricing is based on business profile.

Consider Wise for personal accounts and transfers with no subscriptions or plans and free account registration; it is a broader alternative to Mollie's business payment services.

Nium for Platforms is an API and web platform with fees set out in a separate Fee Schedule.

Currencycloud offers custom pricing for businesses discussing a live account.

Paymentwall charges revenue share on successful charges, with no setup fees or monthly payments.

Adyen uses a per-transaction model with a fixed processing fee plus a payment-method fee and no setup or monthly fees.

Browse Cross-Border Payment Platforms, Payment Gateways, Hosted Checkout Software, Payment Facilitation Platforms, Payment Processing Software, and Payment Link Software to compare categories.

Verdict

Mollie is a strong choice for businesses in Europe and the UK that want online and in-person payment acceptance alongside payout, recurring-payment, and money-management options. Its developer tools and Tap app broaden the ways businesses can integrate and accept payments. The main reason to look elsewhere is cost or scale: card rates differ by type, and terminal limits or monthly charges can make another setup a better fit for businesses with high transaction volumes or many locations.