Mollie

Mollie suits businesses in Europe and the UK that want online and in-person payments alongside tools for managing business money. Its broad product range and developer options are compelling, but transaction fees and terminal costs make the best fit depend on how you take payments.

Overview

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

Key features

Payments across channels

Mollie combines online and in-person acceptance through its web app or API, dedicated terminals, and the Mollie Tap app. Tap to Pay works on iPhone and Android; the Tap app can also turn a phone, tablet, or kiosk into a contactless terminal. That gives businesses a way to accept in person without relying exclusively on dedicated hardware, while terminal options serve setups that need purpose-built equipment.

Recurring and marketplace payments are supported, alongside cards and local payment methods. Mollie supports 28 currencies and payouts to 31 countries, a useful combination for businesses selling across borders. Payout timing can be set to every business day, a chosen business day each week, or the first business day of each month. Payout currencies include EUR, GBP, AUD, CAD, CZK, DKK, HUF, NOK, PLN, SEK, CHF, and USD, with up to 11 additional currencies.

Developer tools, integrations, and safeguards

Developers can use a customizable API, ready-made plugins, and client and server libraries for JavaScript, PHP, .NET, and Python. The integrations directory includes Shopify, WooCommerce, Magento, Odoo, HubSpot, Chargebee, Jotform, QuickBooks, and Zapier. This breadth makes Mollie relevant to both custom builds and businesses connecting an existing commerce or finance stack.

Mollie states that it is SOC 2 Type 2 and PCI-DSS Level 1 compliant, with ISAE 3402 Type 2 audited operational controls. Mollie B.V. is licensed as an electronic money institution by the Dutch Central Bank, and Mollie UK Ltd is licensed by the UK Financial Conduct Authority. Support includes a help centre, customer support, and a partnerships team for platform integrations.

Pricing

Mollie's pricing combines monthly plans, transaction charges, and one-time terminal purchases. The right comparison is not just the monthly fee: card mix, transfer volume, and the need for physical terminals all affect the cost.

• Pay as you go: €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 one-terminal maximum suits a small operation that wants to avoid a monthly plan, but caps hardware use.
• Business accounts: €9/mo, with 12 months free. It includes 5 accounts, unlimited incoming transfers, 100 free outgoing transfers per month, then €0.20 per additional transfer, and 5 Mollie debit cards. This is the option for businesses that want business accounts and a defined allowance of outgoing transfers.
• Pro: €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; each additional terminal is €20/mo. The lower stated percentage rates than Pay as you go may suit higher-volume acceptance, but the fixed per-transaction amount and monthly charge matter when comparing costs.
• Tap terminal: €95 once for card and wallet acceptance, 4G/Wi-Fi, front-facing NFC, and digital receipts by QR or email.
• Fixed terminal: €350 once, with Ethernet, vandal-proof construction, and a design for kiosks and unattended payment setups. Active terminals start at €20 per month each.
• Mobile terminal: €350 once, with fast, secure transactions, portable construction, and an embedded receipt printer. Active terminals start at €20 per month each.
• Online payments: 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.

Platforms

Mollie is available on web, iOS, and Android, with an API for developer integrations. Its API, libraries, and plugins give businesses options beyond using the apps directly.

Who it's for

Mollie's stated customer categories are ecommerce businesses, franchises, marketplaces, and SaaS companies. It is best suited to businesses that can use its combination of payment acceptance, payout options, money-management products, and integrations. It is not intended for personal or household payments.

Pros and cons

• Pro: Online and in-person acceptance, recurring and marketplace payments, and business money-management products sit within one offering.
• Pro: Tap to Pay on iPhone and Android, plus a Tap app that can use an existing device, offers an alternative to buying dedicated terminal hardware.
• Pro: Customizable APIs, language libraries, plugins, and named commerce and finance integrations accommodate different technical setups.
• Con: Costs vary with payment method and card type, and the Pro plan adds a monthly fee and fixed transaction amounts.
• Con: Fixed and mobile terminals require a €350 upfront purchase, with active-terminal charges starting at €20 per month.
• Con: Pay as you go allows a maximum of one hardware terminal, limiting businesses that need several devices.

Alternatives

Hosted Checkout Software is a category to compare if hosted checkout is the priority. For international payment needs, compare the Cross-Border Payment Platforms category; businesses focused on payment facilitation can browse Payment Facilitation Platforms. If sending payment links is the main requirement, see Payment Link Software; for a broader gateway comparison, see Payment Gateways or Payment Processing Software.

• PayHere Checkout is an alternative with a free plan and a government-payments plan with no monthly fees and a 1.99% processing fee.
• PayPal Invoicing is a free-plan alternative for creating and sending invoices without setup or subscription fees; transaction fees apply when customers pay.
• Checkout.com offers free payment processing for registered charities in countries where it operates, as well as tailored pricing.
• Airwallex Billing offers free invoicing and usage-based billing at $0.50 per successful transaction.
• Zoho Checkout may suit a small organization that can work within its free tier of 3 payment pages, 50 payments overall, and 1 user.
• Checkout Page has a free plan capped at $3,000 in sales per 30 days and 1 team member.
• Lemon Squeezy is an ecommerce option with no monthly fee and a 5% + $0.50 per-transaction fee.
• Paystack is another payment platform to consider.

Verdict

Mollie is a strong choice for European and UK businesses that want payment acceptance across online and in-person channels, with developer integrations and business money-management products alongside it. Its breadth is the main reason to choose it; businesses should look elsewhere or compare plans closely if terminal costs, transaction charges, or business-use eligibility do not fit their setup.