What is Mollie?
| Category | Payments |
|---|---|
| Company | Mollie B.V. |
| Headquarters | Netherlands (EU) |
| Founded | 2004 |
| Ownership | Private company; investors include Blackstone |
| Price | 1.80% + €0.25 per EEA card, no monthly fee · free plan: no |
| Platforms | Web · API · iOS · Android · plugins |
| Open source | No |
| Data hosted in | Google Cloud (region not stated) |
| Alternative to | Stripe |
Who is behind Mollie
Mollie is a payment service provider run by Mollie B.V., headquartered on the Keizersgracht in Amsterdam and registered with the Dutch Chamber of Commerce under number 30204462. It was founded in Amsterdam in 2004. Mollie B.V. is licensed as an electronic money institution by De Nederlandsche Bank (relationship number F0038), and Mollie UK Ltd is licensed by the FCA as a payment institution. Koen Köppen is CEO.
Mollie says it serves more than 350,000 businesses across Europe with a team of about 1,000 people. In December 2025 it agreed to buy the British bank-payments company GoCardless for €1.05 billion, mostly in shares, according to Tech.eu, which also names Blackstone among Mollie’s investors.
Where Mollie hosts your data
Mollie runs on Google Cloud. Google’s own case study describes how Mollie moved its applications to Google Kubernetes Engine, Cloud SQL and Cloud Storage, and both mollie.com and api.mollie.com resolve to a Google Cloud load balancer (AS396982). Mollie does not name a Google Cloud region on its security or privacy pages. Its privacy statement says data may in some cases be processed by third parties outside the EEA, with safeguards such as EU Standard Contractual Clauses. So Mollie is a Dutch company, but its infrastructure belongs to a US cloud provider.
| Domain | Used for | Hosting provider | ASN | Country |
|---|---|---|---|---|
| mollie.com | website and dashboard | Google Cloud | AS396982 | anycast |
| api.mollie.com | payment API | Google Cloud | AS396982 | anycast |
Checked 25 Oct 2026. Hosting can change – report a change.
Mollie pricing
Mollie has no monthly fee, no setup fee and no lock-in contract for online payments: you pay per successful transaction. The main rates in euros are:
- EEA consumer cards (Visa, Mastercard): 1.80% + €0.25
- EEA business cards and American Express: 2.90% + €0.25
- Non-EEA cards: 3.25% + €0.25
- iDEAL: €0.32 in the Netherlands, €0.39 in Belgium, 0.90% + €0.25 elsewhere
- SEPA Direct Debit: €0.35 · Bancontact: 1.40% + €0.25
- Klarna: varies by country, e.g. 2.99% + €0.35 in Germany, Austria and Switzerland
- PayPal: PayPal’s own fees + €0.10
Five payouts a month are free, then €0.25 each; payouts in another currency cost 1%. An optional business account costs €9 a month after 12 free months. Compared with Stripe’s 1.5% + €0.25 for standard EEA cards, Mollie is about 0.3 percentage points dearer on cards, and the same price for SEPA Direct Debit.
Features and security
Mollie is built around one Payments API with a hosted checkout, payment links you can share by email or social media, refunds and chargeback handling. Its recurring suite – Customers, Mandates and Subscriptions APIs – covers subscription billing with retries for failed payments. Mollie Connect lets platforms and marketplaces onboard merchants through OAuth and set their own margin. Mollie lists 35+ payment methods and 30+ currencies, plus card terminals for in-person sales, with API packages for the most popular languages and frameworks.
On security, Mollie says it is PCI DSS Level 1 with an Attestation of Compliance, and holds SOC 2 Type 2 and ISAE 3402 Type 2 reports. It does not name a tax engine like Stripe Tax.
What users say about Mollie
On Trustpilot Mollie has 4.3/5 from 12,950 reviews (checked 25 October 2026), and it replies to 97% of negative reviews. Reviewers praise fast onboarding, a clean dashboard and helpful, often named, support agents. The complaints are about payouts paused during risk reviews, sometimes for months, long waits for a human after the chatbot, and a seven-day payout schedule some find slow. For comparison, Stripe has 1.6/5 from 17,549 reviews.
Pros and cons
Pros of Mollie
- Easy self-serve sign-up – no monthly fee, setup fee or contract
- Strong European payment methods – iDEAL, Bancontact, SEPA Direct Debit, Klarna
- Excellent user rating – 4.3/5 from 12,950 reviews
- Useful developer tools – subscriptions, payment links and Connect for platforms
- Trustworthy licence from the Dutch central bank
Cons of Mollie
- Slightly higher card rate than Stripe – 1.80% vs 1.5% + €0.25
- Not EU-hosted – runs on Google Cloud
- No built-in tax engine like Stripe Tax
- Restricted payouts during risk reviews are a common complaint
Verdict on Mollie
Verdict: Mollie is the European payment provider that works most like Stripe: you sign up online, integrate a clean API and pay a published rate with no monthly fee. It is Dutch, licensed by DNB and far better rated than Stripe. The trade-offs are a slightly higher card fee and infrastructure on Google Cloud. Best for: European shops, SaaS and platforms that want Stripe-style self-service. Not for: businesses that need global acquiring or automatic sales-tax handling.
Mollie is ranked #1 in Best European alternatives to Stripe and in Best European payment providers.
Similar European payment providers
Mollie: FAQ
Is Mollie a Dutch company?
Yes. Mollie B.V. is headquartered in Amsterdam, was founded there in 2004 and is licensed as an electronic money institution by De Nederlandsche Bank.
How much does Mollie charge per transaction?
1.80% + €0.25 for EEA consumer cards, 2.90% + €0.25 for business cards and American Express, 3.25% + €0.25 for non-EEA cards and €0.35 for SEPA Direct Debit. There is no monthly fee.
Is Mollie better than Stripe?
Mollie is European, has stronger local payment methods and a far better Trustpilot rating (4.3 vs 1.6). Stripe is cheaper for standard EEA cards, covers more countries and adds tools such as Stripe Tax.
What are alternatives to Mollie?
Adyen for enterprise volume, Viva.com for online plus in-store sales, Unzer for German invoice payments and Paddle if you sell software and want tax handled for you.
Rate Mollie
Based on public pricing, documentation and user reviews · Changelog · Oct 2026: first version