Mollie alternatives in Europe: providers compared on pricing, methods and contracts

Mollie and its alternatives at a glance (prices checked October 2026)

What is Mollie and who does it fit?

This comparison covers what Mollie is, documented reasons merchants look for a Mollie alternative, how other providers compare, and how to switch or add a second provider without losing stored payment details. Prices are quoted only where the provider publishes them, with the date we checked. Related comparisons: Stripe alternatives, Adyen alternatives, Worldpay alternatives.

Mollie is a payments company based in Amsterdam that serves European businesses with online and in-person payments, payment links, recurring payments, business accounts and financing. On 1 September 2026 Mollie completed its acquisition of GoCardless, which continues as "GoCardless, a Mollie company" (mollie.com news, 1 September 2026).

Mollie fits European SMBs and growing merchants who want self-service onboarding, published flat prices for local methods and support in local languages. Its strongest markets are the Netherlands, Belgium and Germany.

Published standard pricing: 1.80% + €0.25 for EEA consumer Visa and Mastercard, 2.90% + €0.25 for EEA commercial cards, 3.25% + €0.25 for non-EEA cards, iDEAL | Wero €0.32 for Dutch payments, Bancontact 1.40% + €0.25 and SEPA Direct Debit €0.35. Mollie states no minimum costs and no lock-in, offers volume pricing with interchange++ above €100,000 a month, and charges €0.25 per payout after five payouts a month for merchants under €500,000 a year (mollie.com/pricing, checked 23 October 2026).

Why do merchants look for a Mollie alternative?

Merchants usually look for an alternative for documented, practical reasons rather than one single problem. The common ones:

Blended card pricing. Mollie's standard card rate is blended. Merchants below the €100,000 monthly threshold for volume pricing pay the published rate regardless of the underlying interchange.

Account reviews. Like other providers, Mollie reviews accounts and may ask for documents or pause payouts when risk checks require it, as described in its user agreement. Merchants who depend on steady payouts sometimes add a second provider.

Coverage outside Europe. Mollie is built for the EEA, the UK and Switzerland. Merchants with large non-European volume look at global providers.

Changes after the GoCardless deal. Mollie states that pricing, contracts and terms remain unchanged for existing customers. Some merchants still review their setup when a provider changes ownership.

None of these means Mollie is a poor choice. They describe situations in which a different or an additional provider can fit better.

Mollie alternatives at a glance: how do the main providers compare?

The table lists providers often compared with Mollie in Europe. Prices are shown only where the provider publishes them; "quote-based" means the price depends on a negotiated offer.

OrsunPay is a payment orchestration platform that connects you to licensed PSPs; it does not process or hold funds itself.

For iDEAL and Bancontact, check each provider's method list; see the iDEAL and Bancontact pages. For a breakdown of interchange, scheme fees and margins, see payment processing fees.

Is Mollie cheaper than Stripe or Adyen?

On standard published prices, Stripe is cheaper for EEA cards and iDEAL, while Mollie and Stripe charge the same for Bancontact and SEPA Direct Debit. On a €100 EEA consumer card payment, Mollie typically charges €2.05 and Stripe €1.75.

Adyen passes interchange through at cost. EU rules cap interchange at 0.2% for consumer debit cards and 0.3% for consumer credit cards, so for larger merchants a fixed fee plus interchange, scheme fees and 0.60% often lands below blended rates. Adyen may apply a minimum monthly invoice depending on industry.

Which Mollie alternatives suit larger merchants?

Larger merchants usually compare providers that offer interchange++ pricing, local acquiring in several countries and account management.

At this size, the main questions are acquiring licences in your key countries, authorisation rates by market, reporting detail and the notice period of the contract. See what a payment service provider is for the roles behind these offers.

• Adyen combines gateway, risk tools and acquiring, with interchange++ pricing and a minimum invoice by industry (adyen.com/pricing).
• Checkout.com serves large online merchants with negotiated pricing and acquiring in many markets.
• Worldpay, now part of Global Payments, offers enterprise acquiring online and in store.
• Nexi is strong in Italy, the Nordics and German-speaking markets after its acquisitions of local acquirers.
• Stripe offers custom pricing and account management to large merchants on top of its standard platform.

Which Mollie alternatives suit small and mid-size businesses?

Smaller merchants usually want published prices, self-service onboarding and no monthly minimum.

At this size, read the contract for payout schedules, reserve clauses and termination terms as carefully as the headline rate.

• Mollie publishes flat prices for cards and many local methods and states no minimum costs (mollie.com/pricing).
• Stripe publishes standard prices and has no setup or monthly fees on standard pricing (stripe.com/ie/pricing).
• SumUp focuses on small businesses, especially in-store, with published rates.
• Payone and Unzer serve German and Austrian merchants with local contracts and support.
• PayPal and Braintree add the PayPal wallet, which shoppers in Germany use widely; see PayPal alternatives for business.

Mollie vs Stripe and Mollie vs Adyen: what is the difference?

Mollie vs Stripe. Mollie's published EEA consumer card rate is 1.80% + €0.25 (mollie.com/pricing, checked 23 October 2026); Stripe's standard EEA card rate in Ireland is 1.5% + €0.25, with 2.8% + €0.25 for premium cards (stripe.com/ie/pricing). Mollie publishes flat prices for many local methods, offers a Europe-focused product and local-language support; Stripe offers a wider developer platform, Billing and Connect, and global reach.

Mollie vs Adyen. Adyen targets larger merchants with interchange++ and a minimum invoice by industry (adyen.com/pricing). Mollie targets SMBs with published blended pricing and no minimum costs, and moves larger merchants to interchange++ above €100,000 a month.

What should you check before signing with a Mollie alternative?

Headline rates are only part of the cost. Before you sign, check these points in the offer and the contract:

Pricing model. Blended, interchange++ or tiered, and which card types fall into which rate. See payment processing fees.

Fixed charges. Monthly fees, minimum invoice or minimum monthly service charge, PCI DSS fees and terminal rental.

Event fees. Chargeback, refund, payout and currency conversion fees.

Reserves and payout schedule. Whether the provider can hold a rolling reserve, under which conditions, and how often you are paid out.

Methods by country. Whether the local methods you need are live in your markets, and at what price.

Business eligibility. The provider's published restricted business list.

Exit terms. Notice period, closure fees and the process for exporting card data.

Support. Channels, languages and whether you get a named contact.

Ask for answers in writing. A provider that cannot state its fees clearly before you sign is unlikely to make them clearer afterwards.

Is Mollie available in Germany and other EU countries?

Yes. Mollie serves German merchants, offers its dashboard and support in German, and supports methods used in Germany such as cards, PayPal, Klarna, SEPA Direct Debit and Wero. Merchants comparing Mollie in Germany usually also look at Stripe, Payone and Unzer.

Should you replace Mollie or add a second provider?

Many merchants add a second provider instead of replacing the first. The decision depends on what problem you want to solve:

Running two providers adds work: two contracts, two settlement files and two dashboards. A payment orchestration layer reduces that work by giving you one integration and one set of reports across providers.

How does OrsunPay help you avoid depending on a single provider like Mollie?

OrsunPay is payment orchestration software: instead of depending on a single provider like Mollie, you can connect Stripe, Adyen and Worldpay through one integration and decide which payments go where.

Provider connections let you add or remove providers without rebuilding checkout.

Rule-based routing and retries across connected providers let you decide which provider handles each payment and retry declined payments on another connection.

One set of reports shows payments across providers.

Your contracts, pricing, payouts and dispute handling stay with each provider. OrsunPay connects you to licensed PSPs and acquirers.

How do you switch from Mollie to another provider?

1. Choose the new provider and sign Compare price lists, method coverage and contract terms, and check that the provider accepts your business type.
2. Request the card data export Ask Mollie to export stored card data to the new provider's PCI DSS compliant environment. Both providers must agree on format and timing.
3. Map subscriptions List active subscriptions with their billing dates and amounts, and recreate them on the new provider with the imported card tokens.
4. Move SEPA mandates If your mandates were set up under Mollie's creditor identifier, you need new mandates from your customers with the new provider. If they were set up under your own creditor identifier, they can be transferred by agreement between the old and new provider; inform customers if the collecting provider or the name on the statement changes. See SEPA Direct Debit.
5. Run both in parallel Route a share of new payments to the new provider, compare authorisation rates and settlement, then increase the share.
6. Close the old account Keep it open long enough to handle refunds and disputes on old payments, then end the contract under its notice terms.