Comparison · Updated October 27, 2026
Mollie vs MultiSafepay for Dutch online shops
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.
MultiSafepay
B-
MultiSafepay is an Amsterdam payment service provider for European small and mid-size businesses. It is licensed by De Nederlandsche Bank (DNB) as a payment institution, is authorised to acquire payment transactions, and says it acts as acquirer and processor for Visa, Mastercard and Bancontact. Merchants sign directly with MultiSafepay B.V. One contract covers online payments, in-person terminals and about 40 payment methods, including iDEAL | Wero, Bancontact, cards, Apple Pay, Google Pay, PayPal, Klarna, in3 and Riverty. It does not publish rates. As of October 2026 its pricing pages for the Netherlands, Belgium, Spain and Italy all ask you to request a quote. They say you pay per successful transaction with no set setup or monthly fee. Payouts reach Dutch and Belgian bank accounts in one business day by default, and other countries in three to five. The company dates its business to 1999, when founder Olaf Geurs set up MultiPay, although its own timeline gives 2005 as the year MultiSafepay was founded. It has been a wholly-owned subsidiary of Ant International, the owner of Antom, since 1 July 2024. The general terms run for an indefinite period, and you can end them at any time. However, they let MultiSafepay set up a security deposit whenever it chooses and keep it for up to 12 months after you leave. In 2016 DNB fined MultiSafepay EUR 50,000 over its compliance function. DNB also placed a curator at the firm from November 2016 to June 2017.
VS
Overview
We compare the two for a Dutch online shop taking payments in euros, using each provider's own published Netherlands pricing, terms and documentation as of October 2026. Both are Amsterdam payment companies licensed by De Nederlandsche Bank (DNB). Mollie B.V. is an electronic money institution, and MultiSafepay B.V. is a payment institution. Both offer iDEAL | Wero, Visa, Mastercard, Bancontact, Apple Pay, Google Pay, PayPal, Klarna, in3, Riverty and Billink. The difference that matters most is price disclosure. Mollie publishes its whole Dutch price list: €0.32 per iDEAL | Wero payment, 1.80% + €0.25 on EEA consumer Visa and Mastercard, 1.40% + €0.25 on Bancontact and 2.99% + €0.45 on Klarna in the Netherlands, with no monthly fee. MultiSafepay publishes no price list. Its English and Dutch pricing pages ask you to request a quote and say only that you pay per successful transaction, with no set setup or monthly fee. The one rate we found on its site is an advertised €0.20 + 1.5% per Visa transaction on a Dutch Visa landing page, which does not say which cards it covers. Both providers' terms say their prices exclude VAT. On contract terms MultiSafepay is the more flexible: its general terms let you end the agreement at any time and require two months' notice of a rate increase. Mollie's user agreement in force since 7 September 2026 asks for two calendar months' notice from you and gives one month's notice of fee increases. Each can hold back part of your money at its discretion, and MultiSafepay can keep a security deposit for up to 12 months after you leave. Mollie completed its acquisition of GoCardless on 1 September 2026. MultiSafepay has been a wholly owned subsidiary of Ant International since 1 July 2024. On Trustpilot Mollie scores 4.3 from 13,012 reviews and MultiSafepay 3.6 from 517.
Key Takeaways
- ✓It depends on whether you need to know your costs before you apply. Mollie publishes a full Dutch price list, while MultiSafepay quotes almost every rate after you contact sales, so only Mollie can be fully costed in advance.
- ✓On Mollie, a €75 order costs €0.32 by iDEAL | Wero, €1.60 on an EEA consumer card and €2.69 through Klarna, excluding VAT. MultiSafepay publishes no iDEAL or Klarna price, and its only advertised card rate is €0.20 + 1.5% on Visa.
- ✓MultiSafepay's general terms are easier to leave: you can end the agreement at any time, against two calendar months' written notice at Mollie.
- ✓Both can hold back money at their discretion. MultiSafepay may keep a security deposit for up to 12 months after you leave, and Mollie says it typically keeps chargeback-related funds for at most 180 days.
- ✓Mollie has the stronger Trustpilot record: 4.3 from 13,012 reviews against MultiSafepay's 3.6 from 517, checked on 27 October 2026.
Mollie
Mollie suits a Dutch webshop that wants to see every price before signing up. It publishes per-method rates for iDEAL | Wero, cards, Bancontact, Klarna and many other methods, charges no monthly fee for online payments and lets you choose daily, weekly or monthly payouts. The trade-offs are a two-month notice period to leave, a €0.25 charge per daily or manual payout beyond five a month below €500,000 of yearly volume, and no published card chargeback fee.
MultiSafepay
MultiSafepay suits a Dutch or Belgian webshop that is happy to negotiate a quote and wants terms it can walk away from at any time. It covers the same main Dutch methods, has its own plugins for the common shop systems, and pays out to Dutch bank accounts within one business day by default. Because it publishes no price list, get a written quote for each payment method, the chargeback fee and any monthly fee, and ask how large a security deposit it would hold.
The Verdict
It Depends on Your Needs
Why?
For most Dutch webshops Mollie is the easier provider to choose, because it is the only one of the two whose full price list you can see before applying. Its published rates (€0.32 per iDEAL | Wero payment, 1.80% + €0.25 on EEA consumer cards, 2.99% + €0.45 on Dutch Klarna) let you work out your bill to the cent, and it has the much larger and stronger Trustpilot record. MultiSafepay advertises €0.20 + 1.5% on Visa but publishes nothing for iDEAL or Klarna, so it may still be cheaper for your business, but only a written quote will tell you. Its terms are the more flexible ones: you can leave at any time and it gives two months' notice of a rate rise. Its terms also let it hold a security deposit of its choosing for up to 12 months after you leave. If you want published pricing, choose Mollie. If you are willing to negotiate and value being able to leave without notice, get a MultiSafepay quote and compare it against Mollie's list.
Feature by feature
Detailed Comparison
Filter Options
Online fees in the Netherlands (EUR, excluding VAT, October 2026)
| Feature | Mollie | MultiSafepay |
|---|---|---|
| iDEAL | Wero | €0.32 | Not disclosed |
| Mollie's Dutch pricing page lists iDEAL | Wero and domestic Dutch Wero at €0.32 per payment (domestic Belgian Wero €0.39). MultiSafepay's pricing pages show only a quote form. Several Dutch comparison sites print MultiSafepay iDEAL figures, but MultiSafepay itself does not publish one, so we do not use them. | ||
| Visa and Mastercard | 1.80% + €0.25 (EEA consumer cards) | Visa 1.5% + €0.20 (advertised) |
| Mollie charges 2.90% + €0.25 on EEA commercial cards and American Express, and 3.25% + €0.25 on cards issued outside the EEA. Apple Pay and Google Pay take the rate of the card used. MultiSafepay's Dutch Visa landing page (multisafepay.com/nl-nl/visa-multisafepay, unchanged since at least June 2025) advertises 'slechts € 0,20 + 1,5% per transactie' but does not say whether this covers consumer, commercial or non-EEA cards, and its pricing pages do not repeat it. Its documentation says card pricing is set in your offer, as a blended rate or Interchange++. Because the two figures may not cover the same cards, we award no winner. On a €75 order Mollie's EEA consumer rate gives €1.60, and MultiSafepay's advertised Visa rate €1.33. MultiSafepay advertises no Mastercard rate. | ||
| Bancontact | 1.40% + €0.25 | Not disclosed |
| Relevant for Dutch shops selling to Belgian customers. | ||
| Klarna (Dutch customers) | 2.99% + €0.45 | Not disclosed |
| Mollie's rate for Klarna in the Netherlands and Belgium. It also lists in3 at 3.99% + €0.95, Riverty and Billink at 2.99% + €0.35, and PayPal at PayPal's own fees plus €0.10. MultiSafepay offers Klarna, in3, Riverty, Billink and PayPal but publishes no rate for any of them. | ||
| A €75 order: iDEAL | Wero / Klarna | €0.32 / €2.69 | Not disclosed |
| Our arithmetic from Mollie's published Dutch rates: iDEAL | Wero €0.32; Klarna 2.99% of €75 (€2.24) plus €0.45. Mollie's user agreement (art. 5.3.3) says its listed rates exclude VAT, and MultiSafepay's general terms (art. 2.8) say the same of its prices, so any quote you receive is on the same basis. | ||
| Setup and monthly fee | €0 | No set fee |
| Mollie states no monthly fee, no minimum and no lock-in for online payments, although its user agreement lets it apply a minimum monthly invoice amount to some businesses on notice. MultiSafepay's pricing FAQ says it has no set setup or monthly fees, but its general terms provide for monthly fixed fees 'if applicable' and its developer documentation says it starts charging monthly fees once you go live, so confirm this in your quote. | ||
iDEAL | Wero
Mollie
€0.32
MultiSafepay
Not disclosed
Mollie's Dutch pricing page lists iDEAL | Wero and domestic Dutch Wero at €0.32 per payment (domestic Belgian Wero €0.39). MultiSafepay's pricing pages show only a quote form. Several Dutch comparison sites print MultiSafepay iDEAL figures, but MultiSafepay itself does not publish one, so we do not use them.
Visa and Mastercard
Mollie
1.80% + €0.25 (EEA consumer cards)
MultiSafepay
Visa 1.5% + €0.20 (advertised)
Mollie charges 2.90% + €0.25 on EEA commercial cards and American Express, and 3.25% + €0.25 on cards issued outside the EEA. Apple Pay and Google Pay take the rate of the card used. MultiSafepay's Dutch Visa landing page (multisafepay.com/nl-nl/visa-multisafepay, unchanged since at least June 2025) advertises 'slechts € 0,20 + 1,5% per transactie' but does not say whether this covers consumer, commercial or non-EEA cards, and its pricing pages do not repeat it. Its documentation says card pricing is set in your offer, as a blended rate or Interchange++. Because the two figures may not cover the same cards, we award no winner. On a €75 order Mollie's EEA consumer rate gives €1.60, and MultiSafepay's advertised Visa rate €1.33. MultiSafepay advertises no Mastercard rate.
Bancontact
Mollie
1.40% + €0.25
MultiSafepay
Not disclosed
Relevant for Dutch shops selling to Belgian customers.
Klarna (Dutch customers)
Mollie
2.99% + €0.45
MultiSafepay
Not disclosed
Mollie's rate for Klarna in the Netherlands and Belgium. It also lists in3 at 3.99% + €0.95, Riverty and Billink at 2.99% + €0.35, and PayPal at PayPal's own fees plus €0.10. MultiSafepay offers Klarna, in3, Riverty, Billink and PayPal but publishes no rate for any of them.
A €75 order: iDEAL | Wero / Klarna
Mollie
€0.32 / €2.69
MultiSafepay
Not disclosed
Our arithmetic from Mollie's published Dutch rates: iDEAL | Wero €0.32; Klarna 2.99% of €75 (€2.24) plus €0.45. Mollie's user agreement (art. 5.3.3) says its listed rates exclude VAT, and MultiSafepay's general terms (art. 2.8) say the same of its prices, so any quote you receive is on the same basis.
Setup and monthly fee
Mollie
€0
MultiSafepay
No set fee
Mollie states no monthly fee, no minimum and no lock-in for online payments, although its user agreement lets it apply a minimum monthly invoice amount to some businesses on notice. MultiSafepay's pricing FAQ says it has no set setup or monthly fees, but its general terms provide for monthly fixed fees 'if applicable' and its developer documentation says it starts charging monthly fees once you go live, so confirm this in your quote.
Best For Your Business
Recommendations based on your business type
New Dutch webshop that wants to know its costs before applying
Recommended
Mollie
Mollie publishes every rate a Dutch shop is likely to use, from €0.32 per iDEAL | Wero payment to 2.99% + €0.45 on Klarna, with no monthly fee. MultiSafepay advertises only a Visa rate and quotes everything else after you contact sales.
Shop that mostly takes iDEAL | Wero
Both. Mollie charges a flat €0.32 per iDEAL | Wero payment and settles iDEAL to your balance immediately. MultiSafepay publishes no iDEAL price or settlement time, so ask it for both in writing and compare them with Mollie's €0.32.
Merchant that wants to be able to leave without a notice period
Recommended
MultiSafepay
MultiSafepay's general terms let you end the agreement at any time. Mollie's user agreement requires two calendar months' written notice. Note that MultiSafepay can keep a security deposit for up to 12 months after you leave.
Established shop with enough volume to negotiate
Both. Mollie offers quoted volume pricing, including Interchange++, to businesses processing over €100,000 a month, and MultiSafepay quotes every merchant, offering blended or Interchange++ card pricing. Get written quotes from both, including chargeback fees and payout fees, and compare them on the same basis, excluding VAT.
Mollie: Best for 1 use case
MultiSafepay: Best for 1 use case
Frequently Asked Questions
Common questions about this comparison
We cannot say, because MultiSafepay does not publish a price list. As of October 2026 Mollie charges €0.32 per iDEAL | Wero payment, 1.80% + €0.25 on EEA consumer Visa and Mastercard, 1.40% + €0.25 on Bancontact and 2.99% + €0.45 on Klarna in the Netherlands, with no monthly fee. MultiSafepay advertises €0.20 + 1.5% per Visa transaction on one Dutch landing page, without saying which cards it covers, and sets every other price per merchant after you request a quote. Ask MultiSafepay for a written rate for each method you use and compare it with Mollie's list. Both providers' prices exclude VAT.
Not as a price list. As of October 2026 its English pricing page and Dutch tarieven page show only a quote request form. They say you pay only for successful transactions and that there are no set setup or monthly fees. The only rate we found on its site is €0.20 + 1.5% per Visa transaction on a Dutch Visa landing page. Its general terms provide for monthly fixed fees where applicable, and its documentation says monthly fees start once you go live, so check this in your quote.
€0.32 per payment, excluding VAT, as of October 2026. The same price applies to domestic Dutch Wero payments. Domestic Belgian Wero costs €0.39, and Wero payments from other countries cost 0.90% + €0.25.
Mollie lets you choose payouts every business day, weekly or monthly; the default is weekly on Wednesdays. iDEAL money is available for payout immediately and card money after 4 business days, and a payout reaches your bank within 1–2 hours of being sent. Weekly and monthly payouts are free; below €500,000 of yearly volume, only five daily or manual payouts a month are free and each extra one costs €0.25. MultiSafepay lets you pick payout days, says funds reach a Dutch or Belgian bank account within one business day by default, and has its risk team set each account's payout delay.
You can cancel MultiSafepay at any time under its general terms. Mollie's user agreement runs indefinitely and asks for at least two calendar months' written notice from you. Neither names an early-termination fee. Both can hold back money for chargebacks after you leave: Mollie says typically for at most 180 days, and MultiSafepay can keep a security deposit for up to 12 months.
Mollie is a privately held Amsterdam company. It completed its acquisition of GoCardless on 1 September 2026, and GoCardless now operates as 'GoCardless, a Mollie company'. MultiSafepay has been a wholly owned subsidiary of Ant International, the owner of Antom, since 1 July 2024. Both are licensed by De Nederlandsche Bank: Mollie as an electronic money institution and MultiSafepay as a payment institution.
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