💳 Mollie Review 2025 – Omnichannel PSP for online & in‑person
Mollie is an omnichannel payments platform (PSP) for ecommerce and in‑person sales. You get a broad set of local & global payment methods, terminals and Tap to Pay (iPhone & Android), Subscriptions/SEPA Direct Debit, advanced fraud & risk (Dynamic 3DS), and unified reporting. Plug‑and‑play integrations include WooCommerce, Shopify, Magento, Lightspeed, Shopware and more.
🎯 At a glance
What you get
- ✅ Omnichannel PSP: online + in‑person with unified reporting
- ✅ Local & global methods incl. cards, PayPal, iDEAL, Bancontact, Wero, Apple/Google Pay
- ✅ Terminals plus Tap to Pay on iPhone & Android
- ✅ Subscriptions (SEPA Direct Debit & cards) and customer tokenization
- ✅ Fraud & risk: Dynamic 3DS and configurable risk controls
- ✅ Payment links (now with BNPL options) & refunds
What it’s not
- ❌ Not a funnel/site builder (pure PSP focus)
- ❌ No “smart multi‑acquirer routing” product (Mollie optimises within its stack)
- ⚠️ Fees vary by method & country; BNPL rates are higher than bank‑based methods
Core value: strong European coverage, easy plugins, in‑person + ecommerce in one dashboard.
🧭 Product tour
🛒 Online checkout
Hosted checkout or build with APIs/Components. Offer cards, iDEAL, Bancontact, Apple/Google Pay, PayPal, Wero and more.
🏪 In‑person & Tap to Pay
Use compact terminals—or accept contactless on iPhone/Android without extra hardware. Settlements and reporting roll into one place.
🔁 Subscriptions & invoicing
Subscriptions via SEPA Direct Debit and cards. Store customer profiles, handle mandates, and automate retries.
🛡️ Fraud & risk
Acceptance & Risk with Dynamic 3DS and configurable rules reduces friction for trusted buyers while blocking fraud.
💳 Payment methods & channels
Offer the best method per market: cards (Visa/Mastercard/Amex), Apple Pay/Google Pay, PayPal, bank‑based options such as iDEAL, Bancontact, SEPA, and the new European wallet Wero—all via one PSP. Use hosted checkout, API, payment links, QR, or in‑person terminals/Tap to Pay.
💶 Fees, terminals & Tap to Pay (quick view)
Mollie uses pay‑as‑you‑go pricing for online payments (no monthly fee). For in‑person, choose Pay‑as‑you‑go or Pro (€20/month) with lower card rates.
Online payments (examples)
- iDEAL: €0.32 per transaction
- Bancontact: €0.39 per transaction
- SEPA Direct Debit: €0.35
- Cards (EEA consumer): 1.80% + €0.25
In‑person options
- Pay as you go: 1.20% / 1.80% / 2.90% (by card type), max 1 hardware terminal
- Pro (€20/month): from 0.85% + €0.10 (domestic consumer) incl. 1 terminal license
- Tap terminal: €45 (or €95 with Pay as you go)
- Mobile & Fixed terminals: €350
Fees vary by country/volume/method (BNPL costs more). Always confirm on the live pricing page and your offer.
🔗 Integrations & for developers
🔌 Plugins
- ✅ WooCommerce, Magento 2, Lightspeed, Shopware
- ✅ Shopify, OpenCart, Odoo and many more
- ✅ POS connections & marketplace tooling
👩💻 Developers
- ✅ API & SDKs (Payments, Customers, Mandates, Subscriptions, Refunds, Connect, Terminal)
- ✅ Tokens & one‑click payments, partial refunds, webhooks
- ✅ Payment Links API (now supports BNPL methods)
🆕 2025 highlights
📱 Tap to Pay on iPhone expands in Europe
Apple lists Mollie among supported platforms for Tap to Pay on iPhone in new EU markets.
🤝 Payment Links with BNPL
Offer Klarna, Riverty, Billie, and in3 straight from Payment Links—handy for invoices/quotes.
🛡️ Acceptance & Risk
Dynamic 3DS and configurable risk rules to balance conversion and fraud reduction.
🌍 Wero support
Add EPI’s Wero wallet for Germany, France & Belgium as it rolls out to ecommerce.
🔒 Security, compliance & operations
- ✅ PSD2‑licensed in the Netherlands; supervised by De Nederlandsche Bank (DNB)
- ✅ Customer funds safeguarded via Stichting Mollie Payments
- ✅ PCI‑DSS Level 1; 3‑D Secure 2 with Dynamic 3DS; 2FA on accounts
- ✅ Public status page, detailed reporting & exports
Availability of specific methods (e.g., Tap to Pay, Wero, terminals) depends on your country.
🚀 Getting started (fast)
- Open a Mollie account and complete onboarding.
- Enable preferred methods (cards, bank‑based, wallets, BNPL, Wero).
- Install your plugin (or integrate via API) and test a payment.
- Use Payment Links/QR for quotes, phone orders, or B2B invoices.
- Configure Subscriptions/SEPA Direct Debit if needed.
- Set up terminals or Tap to Pay for in‑person acceptance.
- Tune Acceptance & Risk and set up dashboards/exports.
🧪 Real‑world scenarios
Webshop + POS (terminal/Tap to Pay). One settlement flow and unified reporting.
SEPA Direct Debit + saved cards; automatic retries and reminders.
Klarna/Riverty and Billie for B2B—provider bears credit/fraud risk where supported.
📐 Quick ROI calculator
Estimate extra monthly revenue from a small conversion uplift + adding one new method (e.g., Apple Pay/BNPL), after package/hardware costs.
🔍 Mollie vs other PSPs
Mollie stands out for European coverage, local methods, and in‑person options incl. Tap to Pay.
| Aspect | Mollie | Pay. | Stripe | Adyen |
|---|---|---|---|---|
| Type | PSP (omnichannel, EU‑focused) | PSP (omnichannel) | PSP (global/dev‑first) | PSP (enterprise) |
| Online checkout | Hosted + API; strong EU methods | Hosted + API | API‑first + Elements | Custom |
| In‑person | Terminals + Tap to Pay (iOS/Android) | Terminals + SoftPOS/Tap to Pay | Stripe Terminal + Tap to Pay (regions) | Broad POS |
| Recurring | SEPA Direct Debit + cards | SEPA + tokens | Advanced | Advanced |
| BNPL | Klarna, Riverty, in3, Billie | Broad BNPL set | Global BNPLs | Enterprise mix |
| Cost model | Per method (no online monthly fees) | Package + per‑transaction | Per‑transaction | IC++/custom |
| Best fit | EU SMEs/scale‑ups incl. retail | SME omnichannel | Tech/SaaS/global | High‑volume/enterprise |
✅ Pros & ❗ Watch‑outs
✅ Pros
- ✅ Strong EU coverage with many local methods
- ✅ In‑person acceptance via terminals + Tap to Pay (iPhone & Android)
- ✅ Subscriptions (SEPA & cards), Payment Links, refunds
- ✅ Acceptance & Risk with Dynamic 3DS
- ✅ Plugins + comprehensive APIs/SDKs (incl. Terminal & Connect)
- ✅ Wero support as it grows in ecommerce
❗ Watch‑outs
- ❌ BNPL typically carries higher fees vs bank‑based methods
- ⚠️ Availability for Tap to Pay/Wero/terminals varies by country
- ⚠️ No multi‑acquirer “smart routing” feature
🏁 Verdict
If you want one platform for webshop and in‑person payments—with the right mix of EU‑local methods, BNPL options, Tap to Pay, and solid subscriptions & fraud controls—Mollie is a compelling choice. It’s easy to integrate, scales with you across countries, and keeps reporting tidy.
❓ FAQ
Does Mollie charge a monthly fee?
For online payments: no monthly fee (pay per method). For in‑person you can use Pay‑as‑you‑go (€0/month) or the Pro plan (€20/month) with lower card rates and one terminal license included.
Does Mollie support Tap to Pay and SoftPOS?
Yes. Tap to Pay on iPhone is available in supported EU markets, and Tap to Pay on Android works via the Mollie app/Terminal app.
Can I run subscriptions?
Yes. Subscriptions via SEPA Direct Debit and cards, with customer tokens, mandates and retries.
Can I combine online and in‑person?
Yes. Terminals and Tap to Pay settle into the same dashboard, alongside your webshop transactions.
How is it safeguarded and certified?
Mollie is supervised by DNB; customer funds are safeguarded via Stichting Mollie Payments; PCI‑DSS Level 1; Dynamic 3DS and 2FA.