Mollie

Mollie is a payments and money-management platform for businesses operating in Europe and the UK. It suits merchants that need online and in-person acceptance alongside payouts, recurring payments, or developer integrations. Its breadth is a strength, but transaction charges and, for some uses, terminal costs make the right plan important.

Overview

Founded in 2004 and based in Amsterdam, Mollie says it serves more than 250,000 businesses across Europe. Its products span online checkout, payment links, in-person payments, recurring payments, invoicing, business accounts, capital, outbound payments, and acceptance and risk services. Customer categories include ecommerce, franchises, marketplaces, and SaaS businesses.

This is a business service, not a personal payment app: Mollie's payment services are for organizations acting in a business capacity, rather than personal, family, or household users.

Key features

Online and in-person acceptance

Mollie supports card and local payment methods, recurring payments, and marketplace payments. The platform covers 28 currencies and payouts to 31 countries, making it relevant to businesses selling across borders. In-person acceptance is available through the web app or API, dedicated terminals, and the Mollie Tap app. Tap to Pay works on iPhone and Android, and the app can turn a phone, tablet, or kiosk into a contactless terminal. That flexibility can reduce the need for dedicated hardware, while businesses that need a fixed or mobile terminal must account for device and ongoing charges.

Payouts and developer options

Payouts can be scheduled every business day, weekly on a chosen business day, or monthly on the first business day. Supported payout currencies include EUR, GBP, AUD, CAD, CZK, DKK, HUF, NOK, PLN, SEK, CHF, and USD, with up to 11 additional payout currencies. 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, 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. Help-centre, customer-support, and integration-partnership teams round out the service.

Pricing

Acceptance and account plans

Pay as you go costs €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%. It includes a maximum of one hardware terminal. This is the clearest fit for businesses avoiding a monthly commitment, though transaction fees still apply and terminal capacity is limited.

Pro costs €20 per month. Its card rates are 0.10 € + 0.85% for domestic consumer debit and credit cards, 0.10 € + 1.50% for other consumer cards, 0.10 € + 1.80% for American Express, and 0.10 € + 2.50% for commercial cards. One terminal license is included; each additional terminal is €20/mo. The lower percentage rates may suit businesses comparing transaction costs, but the fixed monthly fee and per-transaction charge need to be weighed against volume.

Business accounts costs €9/mo, with 12 months free. It includes five accounts, unlimited incoming transfers, 100 free outgoing transfers per month, and five Mollie debit cards. Additional outgoing transfers cost €0.20 each. This plan is aimed at businesses that need account and transfer features; the free outgoing allowance is a meaningful cap for higher-transfer operations.

Terminals and online payment rates

The Tap terminal costs €95 once and accepts cards and wallets, connects over 4G or Wi-Fi, has front-facing NFC, and provides digital receipts by QR or email. Fixed and Mobile terminals each cost €350 once and start at €20 per month per active terminal. The Fixed model has Ethernet and vandal-proof construction for kiosks and unattended setups; the Mobile model is lightweight, portable, and has an embedded receipt printer. These hardware plans make sense when the use case calls for a dedicated device, but the ongoing active-terminal charge adds to the upfront cost.

Online payments are billed per transaction: Mastercard/Visa EEA consumer cards cost 1.80% + €0.25, EEA commercial cards 2.90% + €0.25, and non-EEA cards 3.25% + €0.25. SEPA Direct Debit costs €0.35 and SEPA Bank Transfer €0.25. Businesses should compare these per-transaction rates with their payment mix rather than assume a single flat rate.

Platforms

Mollie supports web, Android, iOS, and API access. That combination serves both operators managing payments through apps and teams building payment flows into their own software.

Who it's for

Mollie is strongest for European and UK businesses that want one provider spanning online checkout, in-person acceptance, payouts, and integrations. Ecommerce shops can connect through ready-made plugins, while marketplaces and SaaS businesses can use recurring and marketplace payments with API options. A small business with occasional transactions may prefer the no-monthly-charge Pay as you go plan; businesses needing business accounts, multiple terminals, or more tailored transaction economics should assess the relevant monthly and per-use costs. It is not intended for personal or household payment use.

Pros and cons

• Broad payment coverage: Online and in-person acceptance, recurring payments, and marketplace payments address several business models within one platform.
• Flexible in-person options: Tap to Pay on iPhone and Android can use an existing device, while dedicated terminal models cover portable, fixed, and kiosk setups.
• Useful integration and developer coverage: Plugins, SDK libraries, and named commerce and business integrations give merchants multiple routes to connect Mollie.
• Costs vary by plan and payment mix: Pay as you go avoids a monthly charge but has percentage fees; Pro adds a monthly fee and fixed per-transaction charges, while online payments have separate rates.
• Hardware can add recurring expense: Fixed and Mobile terminals have upfront prices and start at €20 per month per active terminal; Pay as you go allows one hardware terminal maximum.

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.

PayHere Checkout is another freemium payment option, with a no-monthly-fee Government plan charging a 1.99% processing fee for government payments.

Consider Checkout.com if a business qualifies as a registered charity for its free payment processing in countries where it operates, or needs tailored pricing.

Airwallex Billing may suit teams focused on global invoicing or usage-based billing, including a $0.50 charge per successful transaction on that usage plan.

Zoho Checkout is a fit for a small payment-page setup: its free plan allows three payment pages, up to 50 payments overall, one user, and Stripe integration.

For a sales-capped free option, Checkout Page allows $3,000 in sales per 30 days and one team member on its Free plan.

Lemon Squeezy offers ecommerce without a monthly fee, charging 5% + $0.50 per transaction when sales are generated.

Adyen is an alternative with pay-per-transaction pricing and no setup or monthly fees; other products are priced separately.

For category-specific comparisons, browse Hosted Checkout Software, Payment Gateways, Payment Link Software, Cross-Border Payment Platforms, Payment Facilitation Platforms, and Payment Processing Software.

Verdict

Mollie is a strong choice for a business that wants online and in-person payment acceptance, payout controls, and developer or commerce integrations under one roof. Its main advantage is breadth across payment channels and business use cases; its main reason to look elsewhere is that transaction mix, account fees, and terminal costs can make the total materially different from the €0-per-month entry point.