Comparison · Updated September 30, 2026
Mollie vs Adyen for European businesses
Mollie
B+
One of Europe's largest independent payment service providers, serving more than 250,000 businesses from Amsterdam and authorised by the Dutch central bank as an electronic money institution. It publishes its full price list, which almost nobody at its scale does, and it is in the middle of absorbing GoCardless in a €1.05 billion deal. It processes for Europe and the UK only, and account freezes are the recurring complaint.
Adyen
A-
Adyen is a global, enterprise-grade payments platform that unifies acquiring, processing, routing and risk management into a single stack for merchants with international and omnichannel needs.
VS
Overview
Both are Amsterdam payment companies, but they sell to different merchants. Mollie publishes a blended price per payment method, lets a business sign itself up and process its first payments before its account review, and charges nothing monthly on online payments: 1.80% + €0.25 for an EEA consumer Visa or Mastercard on its Dutch price list. Adyen prices cards at €0.11 plus interchange, scheme fees and 0.60%, with no setup or monthly fee but an unpublished minimum invoice that depends on industry or business model, and live accounts go through its sales team. On a €50 EU consumer credit card, Adyen's published formula comes to €0.56 plus scheme fees against Mollie's €1.15, so for a merchant Adyen takes on it is cheaper per card sale unless its pass-through scheme fees exceed €0.59 on that sale. Mollie is cheaper on American Express above about €13, on iDEAL and on SEPA Direct Debit, charges only for successful transactions, and has a far stronger Trustpilot record. Neither has a minimum term, and both terms set two months' notice to leave. Adyen pays out card sales faster, serves merchants in many countries outside Europe, and runs on its own banking licences. Payment Review grades Adyen A- and Mollie B+.
Key Takeaways
- ✓Adyen's published formula is cheaper per EU consumer card sale: on a €50 credit card it gives €0.56 plus scheme fees (€0.11 + 0.3% capped interchange + 0.60%) against Mollie's €1.15 (1.80% + €0.25), so scheme fees would have to exceed €0.59 for Mollie to win.
- ✓Mollie is the easier start: self-serve sign-up, an account review that takes up to 2–3 business days, published prices for every payment method and terminal, and no minimum term. Adyen onboards live merchants through sales, with a minimum invoice it does not publish.
- ✓Mollie is cheaper on American Express (2.90% + €0.25 against €0.11 + 3.95%) for any sale above about €13.33, and by a cent or three on iDEAL (€0.32 against €0.33) and SEPA Direct Debit (€0.35 against €0.38).
- ✓Adyen pays out card sales sooner: its default payout delay is two business days when at least 80% of transactions are in a major currency such as EUR and acquired domestically, against four business days before Mollie card funds reach the Mollie balance.
- ✓Mollie's Trustpilot standing is far stronger: 4.4 from 12,914 reviews against Adyen's 1.3 from 445, checked 30 September 2026.
Mollie
Mollie suits small and mid-sized businesses based in the EEA, Switzerland or the UK that want to sign up themselves, see every price before they start, pay nothing monthly on online payments and sign no minimum term, including shops that need one or two terminals at published prices.
Adyen
Adyen suits larger merchants with the volume to benefit from Interchange++, those selling or operating outside Europe, and omnichannel businesses that want online, in-store and platform payments on one acquirer with its own banking licences, and that can clear its sales-led onboarding and minimum invoice.
The Verdict
It Depends on Your Needs
Why?
It depends on size and footprint, which matches the site's grades (Adyen A-, Mollie B+). For a merchant Adyen will take on, its Interchange++ formula comes to less than Mollie's blended rate per EU consumer card sale unless scheme fees are unusually high, it pays out card sales faster, and it operates in many countries on its own banking licences, which is why it is the stronger platform for larger and international businesses. Mollie is the better fit for small and mid-sized businesses in the EEA, Switzerland and the UK: it publishes every price, lets you sign up and start trading yourself, charges only for successful transactions, and has a far better Trustpilot record. Adyen's unpublished minimum invoice and sales-led onboarding are the crossover: below the volume where its per-sale saving covers that minimum, Mollie's higher published rate can cost less in total.
Feature by feature
Detailed Comparison
Filter Options
Online card and payment-method pricing (Netherlands price lists, EUR)
| Feature | Mollie | Adyen |
|---|---|---|
| Pricing model | Blended rate per payment method; IC++ offered above €100,000 a month | €0.11 per transaction plus a payment-method fee; Interchange++ on cards |
| Both read on the Dutch-market pages on 30 September 2026: mollie.com/nl/pricing and adyen.com/nl_NL/tarieven, both in euros. Mollie's rates vary by country and its English-language page shows a different, pound-denominated per-method table, so this comparison uses the Dutch list throughout. Mollie offers IC++ volume pricing with an account manager above €100,000 a month; Adyen's English pricing page says its fees are indicative and can be discussed with sales. | ||
| EEA consumer Visa or Mastercard | 1.80% + €0.25 | €0.11 + interchange + scheme fees + 0.60% |
| Different shapes. Mollie's figure is all-in. Adyen passes interchange and scheme fees through at cost and adds 0.60% plus its €0.11 processing fee. The EU Interchange Fee Regulation (Regulation (EU) 2015/751, Articles 3 and 4, applied since 9 December 2015 and still in force) caps interchange on consumer cards at 0.2% for debit and 0.3% for credit where both the card issuer and the acquirer are in the EU; Adyen's Dutch price list describes European interchange as around 0.3–0.4%. See the worked example below. | ||
| Worked example: €50 EU consumer credit card | €1.15 | €0.56 plus scheme fees Winner |
| Mollie: 1.80% × €50 + €0.25 = €1.15. Adyen: €0.11 + €0.15 interchange at the 0.3% cap + €0.30 (0.60%) = €0.56, plus scheme fees, which Adyen passes through and neither company publishes. For a consumer debit card (0.2% cap) Adyen's figure is €0.51 plus scheme fees. At any sale size Mollie is cheaper only if scheme fees exceed 0.90% of the sale plus €0.14 (€0.59, or 1.2%, on €50), about three times the credit-card interchange cap; the winner rests on that break-even, not on a published scheme-fee figure. The comparison holds only for a merchant Adyen accepts: it onboards through sales, charges €0.11 on declined attempts too, and bills a minimum invoice by industry or business model that it does not publish, which can outweigh the per-sale saving at low volume. | ||
| EEA commercial card | 2.90% + €0.25 | €0.11 + interchange + scheme fees + 0.60% |
| No winner: the Interchange Fee Regulation's caps do not apply to commercial cards (Article 1(3)(a)), so Adyen's cost depends on interchange that neither company publishes. | ||
| Card issued outside the EEA | 3.25% + €0.25 | €0.11 + interchange + scheme fees + 0.60% |
| No winner: interchange on cards issued outside the EEA is not capped by the Interchange Fee Regulation and neither company publishes a figure for it. | ||
| American Express | 2.90% + €0.25 Winner | €0.11 + 3.95% |
| Adyen's 3.95% is its Global rate; North America is priced separately. On a €50 sale Mollie charges €1.70 and Adyen €2.09. The two cross at about €13.33: below that Adyen is cheaper, above it Mollie is. | ||
| iDEAL | €0.32 Winner | €0.11 + €0.22 (€0.33) |
| A one-cent difference. Mollie's Dutch list prices iDEAL and Wero together; Adyen's Dutch list does not show a Wero row. | ||
| SEPA Direct Debit | €0.35 Winner | €0.11 + €0.27 (€0.38) |
| Bancontact | 1.40% + €0.25 | €0.11 + interchange + scheme fees + 0.60% |
| Adyen prices Bancontact as a card scheme at Interchange++; no winner without a published interchange figure. | ||
Pricing model
Mollie
Blended rate per payment method; IC++ offered above €100,000 a month
Adyen
€0.11 per transaction plus a payment-method fee; Interchange++ on cards
Both read on the Dutch-market pages on 30 September 2026: mollie.com/nl/pricing and adyen.com/nl_NL/tarieven, both in euros. Mollie's rates vary by country and its English-language page shows a different, pound-denominated per-method table, so this comparison uses the Dutch list throughout. Mollie offers IC++ volume pricing with an account manager above €100,000 a month; Adyen's English pricing page says its fees are indicative and can be discussed with sales.
EEA consumer Visa or Mastercard
Mollie
1.80% + €0.25
Adyen
€0.11 + interchange + scheme fees + 0.60%
Different shapes. Mollie's figure is all-in. Adyen passes interchange and scheme fees through at cost and adds 0.60% plus its €0.11 processing fee. The EU Interchange Fee Regulation (Regulation (EU) 2015/751, Articles 3 and 4, applied since 9 December 2015 and still in force) caps interchange on consumer cards at 0.2% for debit and 0.3% for credit where both the card issuer and the acquirer are in the EU; Adyen's Dutch price list describes European interchange as around 0.3–0.4%. See the worked example below.
Worked example: €50 EU consumer credit card
Mollie
€1.15
Adyen
€0.56 plus scheme fees
Winner
Mollie: 1.80% × €50 + €0.25 = €1.15. Adyen: €0.11 + €0.15 interchange at the 0.3% cap + €0.30 (0.60%) = €0.56, plus scheme fees, which Adyen passes through and neither company publishes. For a consumer debit card (0.2% cap) Adyen's figure is €0.51 plus scheme fees. At any sale size Mollie is cheaper only if scheme fees exceed 0.90% of the sale plus €0.14 (€0.59, or 1.2%, on €50), about three times the credit-card interchange cap; the winner rests on that break-even, not on a published scheme-fee figure. The comparison holds only for a merchant Adyen accepts: it onboards through sales, charges €0.11 on declined attempts too, and bills a minimum invoice by industry or business model that it does not publish, which can outweigh the per-sale saving at low volume.
EEA commercial card
Mollie
2.90% + €0.25
Adyen
€0.11 + interchange + scheme fees + 0.60%
No winner: the Interchange Fee Regulation's caps do not apply to commercial cards (Article 1(3)(a)), so Adyen's cost depends on interchange that neither company publishes.
Card issued outside the EEA
Mollie
3.25% + €0.25
Adyen
€0.11 + interchange + scheme fees + 0.60%
No winner: interchange on cards issued outside the EEA is not capped by the Interchange Fee Regulation and neither company publishes a figure for it.
American Express
Mollie
2.90% + €0.25
Winner
Adyen
€0.11 + 3.95%
Adyen's 3.95% is its Global rate; North America is priced separately. On a €50 sale Mollie charges €1.70 and Adyen €2.09. The two cross at about €13.33: below that Adyen is cheaper, above it Mollie is.
iDEAL
Mollie
€0.32
Winner
Adyen
€0.11 + €0.22 (€0.33)
A one-cent difference. Mollie's Dutch list prices iDEAL and Wero together; Adyen's Dutch list does not show a Wero row.
SEPA Direct Debit
Mollie
€0.35
Winner
Adyen
€0.11 + €0.27 (€0.38)
Bancontact
Mollie
1.40% + €0.25
Adyen
€0.11 + interchange + scheme fees + 0.60%
Adyen prices Bancontact as a card scheme at Interchange++; no winner without a published interchange figure.
Best For Your Business
Recommendations based on your business type
Small Dutch or Belgian webshop starting out
Recommended
Mollie
Mollie lets you sign up yourself, process your first payments before the account review, and price iDEAL, Bancontact and cards to the cent from its published list, with no monthly fee on online payments and no minimum term. Adyen onboards live merchants through sales and bills a minimum invoice it does not publish.
Enterprise retailer selling across Europe and beyond
Recommended
Adyen
Adyen serves merchants in many countries, acquires on its own licences in many markets, pays out card sales on a two-business-day delay by default for a mostly domestic major-currency mix, and charges €0.11 plus interchange, scheme fees and 0.60%, which on an EU consumer card comes to well under Mollie's standard blended rate unless scheme fees are unusually high. Mollie serves only businesses based in the EEA, Switzerland and the UK.
European merchant processing over €100,000 a month
Both offer Interchange++ at this size: Mollie offers volume pricing on IC++ above €100,000 a month, and Adyen prices cards that way from the first transaction. Get written quotes from both, including the chargeback fee and any minimum invoice.
Business based outside Europe
Recommended
Adyen
Mollie accepts only businesses based in the EEA, Switzerland or the UK. Adyen onboards merchants in many countries outside Europe.
Café or small shop in the Netherlands needing a card terminal
Recommended
Mollie
Mollie publishes its terminals (€95 and €350) and in-person rates, with a pay-as-you-go plan at no monthly fee. Adyen does not publish terminal or in-person pricing and sells through its sales team.
Mollie: Best for 2 use cases
Adyen: Best for 2 use cases
Frequently Asked Questions
Common questions about this comparison
Per EU consumer card sale, usually, if Adyen accepts you. On a €50 consumer credit card, Mollie's Dutch price list gives €1.15 (1.80% + €0.25) and Adyen's formula gives €0.56 plus scheme fees (€0.11 + 0.3% capped interchange + 0.60%); neither publishes scheme fees, which would have to exceed €0.59 on that sale for Mollie to be cheaper. Mollie is cheaper on American Express above about €13, and by a few cents on iDEAL and SEPA Direct Debit. Adyen also charges an unpublished minimum invoice by industry or business model and charges its €0.11 on declined attempts, so a low-volume merchant can pay more in total.
Interchange++ passes the card issuer's interchange fee and the card scheme's fees through at cost and adds the processor's own margin on top, which is 0.60% plus a €0.11 processing fee on Adyen's Dutch price list. In the EU, interchange on consumer cards is capped at 0.2% for debit and 0.3% for credit, so the total moves with your card mix. Mollie's standard pricing is blended, one rate per method, and it offers Interchange++ volume pricing to merchants processing more than €100,000 a month.
Adyen's sign-up page offers developers a self-serve test account, but live merchants are onboarded through its sales team, and it bills a minimum invoice that depends on industry or business model without publishing the amount. Mollie is built for self-serve sign-up: you can process a first transaction before its review, which it says takes up to 2–3 business days.
Adyen's default payout delay is two business days when at least 80% of transactions are in a major currency such as EUR and acquired in that currency's country or region, three otherwise, and it pays out daily by default. Mollie card payments take four business days to reach your Mollie balance (iDEAL and Bancontact are immediate), then pay out on your schedule, weekly on Wednesdays by default. Daily payouts are free for Mollie merchants above €500,000 a year; below it, five a month are free and each further one costs €0.25.
Neither publishes it. Mollie's help centre lists dispute fees only for Klarna (€25 per lost dispute) and €10 for a SEPA Direct Debit chargeback. Adyen's terms charge a non-refundable fee on every chargeback at the amount in your agreement. Ask either for the card figure in writing before signing.
No. Mollie accepts businesses based in the 30 EEA countries, Switzerland and the UK, with an IBAN or UK bank account. Adyen onboards merchants in many countries outside Europe.
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