Comparison · Updated September 11, 2026
Stripe vs Mollie for European businesses
Stripe
A
Stripe is a leading payment processor known for its developer-friendly API, transparent pricing, and comprehensive suite of payment solutions for businesses of all sizes.
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.
VS
Overview
This is a European comparison, because it has to be: Mollie processes for the EEA and the UK only, so the Stripe figures here are from its Dutch price list, not the US one. On that basis Stripe is cheaper on the row that matters most - 1.5% + €0.25 for a standard EEA card against Mollie's 1.80% + €0.25 - and cheaper again on iDEAL, Klarna and in-person EEA cards. Neither charges a monthly fee, a setup fee or an exit fee on online payments. What Mollie sells instead is the experience around the rate: chat support 24/7 and a phone line until midnight CET, a payout schedule you set yourself, a 4.4 Trustpilot score across 12,840 reviews against Stripe's 1.6 across 17,478, and roughly thirty European payment methods under one contract. Stripe's platform is broader - 100+ payment methods, Terminal, Billing, Connect, and global reach when you outgrow Europe - and it is the one to build on. Payment Review grades Stripe A and Mollie B+.
Key Takeaways
- ✓Stripe is cheaper on standard EEA cards - 1.5% + €0.25 against Mollie's 1.80% + €0.25 - and on iDEAL (€0.29 against €0.32) and Klarna (from 2.99% + €0.35 against 2.99% + €0.45).
- ✓Mollie wins on independent standing by a wide margin: 4.4 on Trustpilot from 12,840 reviews against Stripe's 1.6 from 17,478, checked 11 September 2026.
- ✓Mollie's support is reachable by phone from 09:00 to midnight CET and by chat around the clock; Stripe offers live chat and email 24/7, with no phone line advertised to a signed-out visitor.
- ✓Stripe publishes a card dispute fee (€20 per dispute received); Mollie publishes a dispute fee for Klarna only, so its card chargeback cost is not disclosed.
- ✓Neither charges monthly, setup or exit fees on online payments; Mollie's one exception is its in-person Pro plan, a one-year contract at €20 a month.
Stripe
Stripe suits a business with developers, ambitions beyond Europe, or a need for subscriptions, marketplace payouts or a unified in-person and online stack - and any merchant for whom the lower EEA card rate is decisive.
Mollie
Mollie suits a European merchant selling mainly to European customers who wants local payment methods first, a person to call, a payout schedule of their own choosing, and a provider whose customers rate it well.
Overall Winner
🏆 Winner
Stripe
Aexpert grade
Runner-up
Mollie
Why?
On its European price list Stripe undercuts Mollie on the standard EEA card rate, on iDEAL and on Klarna, matches it on monthly and exit fees, and offers a far broader platform - 100+ payment methods, Terminal, Billing and Connect - with a path outside Europe that Mollie does not have. That is why Stripe carries the A grade. Mollie's case is real, though, and it is not about price: its customers rate it 4.4 where Stripe's rate it 1.6, it answers the phone, and it lets you choose your own payout day. A European merchant who has been burned by an unreachable processor, or who sells mainly through local methods to local customers, can reasonably pick Mollie and pay a fraction of a percent more for it.
Feature by feature
Detailed Comparison
Filter Options
Online card and payment-method rates (Netherlands price lists)
| Feature | Stripe | Mollie |
|---|---|---|
| Standard EEA consumer card | 1.5% + €0.25 Winner | 1.80% + €0.25 |
| Stripe's rate is for 'standard European Economic Area cards'; Mollie's is for EEA-issued Visa and Mastercard consumer cards. Both are the headline online rate for a domestic European sale. | ||
| Premium or commercial EEA card | 2.8% + €0.25 Winner | 2.90% + €0.25 |
| Stripe calls these 'premium' EEA cards and Mollie 'commercial' cards. The categories overlap heavily but are not defined identically, so treat this row as near-parity rather than a decisive gap. | ||
| Card issued outside the EEA | 3.15% + €0.25 Winner | 3.25% + €0.25 |
| Stripe adds 2% when currency conversion is required; Mollie charges conversion at 1% of the payout amount instead (see Payouts). A UK card on Stripe is a separate 2.5% + €0.25 tier. | ||
| American Express | Not disclosed on the pricing page | 2.90% + €0.25 |
| Stripe's Dutch price list does not name American Express or print a rate for it; Mollie lists it explicitly. No winner marked because one side is unknown. | ||
| iDEAL | €0.29 Winner | €0.32 |
| Klarna | From 2.99% + €0.35 Winner | 2.99% + €0.45 (Netherlands and Belgium) |
| SEPA Direct Debit | Not disclosed on the pricing page | €0.35 flat |
| Stripe supports SEPA Direct Debit but its Dutch pricing page does not print the rate; Mollie's is a published flat fee. No winner marked because one side is unknown. | ||
| Number of payment methods | 100+ (global) Winner | Around thirty, European |
| Different products. Stripe's count spans every market it operates in; Mollie's list is deliberately European - iDEAL, Wero, Bancontact, Klarna, BLIK, TWINT, Przelewy24, Vipps, MobilePay - and for a merchant selling only in Europe the practical coverage is similar. | ||
Standard EEA consumer card
Stripe
1.5% + €0.25
Winner
Mollie
1.80% + €0.25
Stripe's rate is for 'standard European Economic Area cards'; Mollie's is for EEA-issued Visa and Mastercard consumer cards. Both are the headline online rate for a domestic European sale.
Premium or commercial EEA card
Stripe
2.8% + €0.25
Winner
Mollie
2.90% + €0.25
Stripe calls these 'premium' EEA cards and Mollie 'commercial' cards. The categories overlap heavily but are not defined identically, so treat this row as near-parity rather than a decisive gap.
Card issued outside the EEA
Stripe
3.15% + €0.25
Winner
Mollie
3.25% + €0.25
Stripe adds 2% when currency conversion is required; Mollie charges conversion at 1% of the payout amount instead (see Payouts). A UK card on Stripe is a separate 2.5% + €0.25 tier.
American Express
Stripe
Not disclosed on the pricing page
Mollie
2.90% + €0.25
Stripe's Dutch price list does not name American Express or print a rate for it; Mollie lists it explicitly. No winner marked because one side is unknown.
iDEAL
Stripe
€0.29
Winner
Mollie
€0.32
Klarna
Stripe
From 2.99% + €0.35
Winner
Mollie
2.99% + €0.45 (Netherlands and Belgium)
SEPA Direct Debit
Stripe
Not disclosed on the pricing page
Mollie
€0.35 flat
Stripe supports SEPA Direct Debit but its Dutch pricing page does not print the rate; Mollie's is a published flat fee. No winner marked because one side is unknown.
Number of payment methods
Stripe
100+ (global)
Winner
Mollie
Around thirty, European
Different products. Stripe's count spans every market it operates in; Mollie's list is deliberately European - iDEAL, Wero, Bancontact, Klarna, BLIK, TWINT, Przelewy24, Vipps, MobilePay - and for a merchant selling only in Europe the practical coverage is similar.
Best For Your Business
Recommendations based on your business type
SaaS or subscription business selling across Europe and beyond
Recommended
Stripe
Stripe Billing, a lower standard EEA card rate and global reach when the customer base spreads outside Europe. Mollie offers recurring payments but stops at the EEA and UK border.
Dutch or Belgian web shop selling mainly through iDEAL, Bancontact and Klarna
Recommended
Stripe
Stripe is cheaper on iDEAL (€0.29 against €0.32) and Klarna (from 2.99% + €0.35 against 2.99% + €0.45), and its 3-business-day rolling payout is predictable. Mollie's plug-ins and local onboarding are the reason many such shops choose it anyway - but on the numbers, Stripe wins this one.
European merchant who wants to reach a person when something goes wrong
Recommended
Mollie
A phone line open until midnight CET, chat around the clock, and a 4.4 Trustpilot score from nearly 13,000 reviews. Stripe's 1.6 is dominated by exactly this complaint.
Cafe or shop taking mostly domestic debit cards in person
Recommended
Mollie
Mollie's pay-as-you-go terminal rate for domestic consumer cards is 1.20% with no per-transaction cents, against Stripe Terminal's 1.4% + €0.10 - and the Pro plan takes it to 0.85% + €0.10 for €20 a month. A shop with many foreign EEA cards should re-run the sums, because Mollie's 'other consumer card' rate is 1.80%.
Marketplace or platform paying out to sellers
Recommended
Stripe
Stripe Connect is the established product for split payments and seller onboarding, with the deepest documentation. Mollie offers a marketplaces product too; for a platform whose sellers are all in Europe it is worth a look, but Connect is the safer default.
Business with US customers or plans to enter the US
Recommended
Stripe
Mollie is not a route to US acquiring at all. Stripe is.
Stripe: Best for 4 use cases
Mollie: Best for 2 use cases
Frequently Asked Questions
Common questions about this comparison
Not on the headline rate. In the Netherlands Stripe charges 1.5% + €0.25 for a standard EEA card and Mollie charges 1.80% + €0.25; Stripe is also cheaper on iDEAL and Klarna. Mollie can be cheaper in person for domestic debit cards, and both move to interchange-plus for larger merchants - Mollie above €100,000 a month, Stripe by negotiation.
No. Mollie processes for businesses in the European Economic Area and the UK only. Stripe operates globally, including the US.
Neither charges a monthly fee, setup fee or exit fee on online payments, and neither has a contract term. The one exception is Mollie's in-person Pro plan, which is €20 a month on a one-year contract in exchange for lower terminal rates.
Stripe sits at 1.6 from 17,478 reviews and Mollie at 4.4 from 12,840, as of 11 September 2026. Mollie holds a paid Trustpilot subscription and actively invites reviews, which lifts scores; Stripe does not. Both companies' negative reviews are dominated by the same complaint - accounts paused and payouts held during reviews - so the gap says more about how each company handles that moment than about how often it happens.
Stripe charges €20 for each dispute received, and a further €20 to counter it that is refunded if you win. Mollie publishes a dispute fee only for Klarna - €25 per lost dispute - and does not print a card chargeback fee anywhere on its pricing or dispute pages. Ask Mollie for the figure in writing before you sign.
Stripe's first payout in the Netherlands arrives 7 calendar days after your first successful payment, then on a rolling 3-business-day schedule, or weekly or monthly if you prefer. Mollie lets you choose daily, weekly or monthly payouts, but below €500,000 of annual volume only five payouts a month are free and each additional one costs €0.25.
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