Businesses look past Mollie when card costs climb, when they need a payout setup that suits a non-euro business, or when they want a different shape of product: bank collections, a merchant of record, or a quote-based enterprise acquirer. Replacements range from small European specialists to global processors, and each trades Mollie's single published price list for something else.
Short answer: The first three alternatives to Mollie in our payment processing software ranking are GoCardless, SumUp and Paddle. Where a category has smaller vendors worth recommending, they occupy the first three places and the big brands come below them. Choose GoCardless if most of your revenue is repeat invoices or subscriptions. These 11 products are all in Best Payment Processing Software in 2026; the notes say how each one compares with Mollie.
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Pricing: Published per-transaction fees; volume pricing on request above a monthly threshold
Established in: Netherlands
Built for: European online shops wanting listed prices, no monthly fee and no lock-in contract.
Not for: Merchants who need to settle mainly in US dollars or Asia.
01
Why buyers look past Mollie
01
Commercial and foreign cards cost more
Mollie's online price list charges 1.80% + 0.25 euros on Mastercard and Visa consumer cards from the European Economic Area, 2.90% + 0.25 euros on EEA commercial cards and 3.25% + 0.25 euros on cards from outside the EEA. A shop that sells to businesses or to buyers abroad sees the higher lines more often than the headline rate.
02
Rates drop only through a sales conversation
The page offers volume pricing for merchants processing more than 100,000 euros a month, with IC++ pricing, country-specific rates and an account manager. Below that, the blended standard rate applies and the page does not show a lower tier you can reach on your own.
03
Payout fees and currency conversion
Accounts processing under 500,000 euros a year get five payouts a month free and pay 0.25 euros for each extra one. A payout in a currency other than the primary balance carries 1% of the amount, and payments in currencies you have not added are converted before payout.
you want a large acquirer and can accept a fixed contract term
#11
03
What each one does differently
1
GoCardless
United Kingdom · Published
GoCardless pulls money from bank accounts, so a recurring invoice costs far less than a card payment, and its tiers are public. It handles subscriptions and B2B billing well. Anyone who also takes one-off consumer card purchases needs a second processor, and some branding and checkout features are monthly add-ons.
Switch from Mollie if most of your revenue is repeat invoices or subscriptions.
SumUp opens with a flat rate and no monthly fee, then moves to a paid tier that cuts the rate after monthly takings pass the threshold on its pricing page. The in-person side is its home ground. The online side is lighter than a developer processor, and the top volume band is tailored, not listed.
Switch from Mollie if you take payments at a counter or by link and want a flat rate.
Paddle becomes the seller of record to your buyers, taking over sales tax, fraud checks, chargebacks and buyer support for one all-in rate per checkout. That removes a tax workload Mollie leaves with you. The rate sits well above plain card processing, and its pages are aimed at software and digital goods.
Switch from Mollie if you sell software or digital products and want someone else to carry the tax.
Checkout.com quotes each business individually, either as a flat rate or as interchange++, with no setup or account maintenance fees. Registered charities are processed at no charge in its operating countries. Nothing is published, so any comparison with Mollie waits for a sales call.
Switch from Mollie if you have the volume to negotiate and want interchange++ pricing.
Adyen adds a fixed processing fee to a fee that depends on the payment method, and many cards run at interchange++ with a stated markup. No setup or monthly fee applies. The fixed part weighs on small baskets, and other Adyen products are priced on their own.
Switch from Mollie if your baskets are large enough that a fixed fee is minor.
Lemon Squeezy covers tax compliance and fraud for sellers of digital goods, with a per-sale fee and no monthly charge. Stripe acquired it and is moving merchants to Stripe Managed Payments. The company itself warns of slower support and fewer updates meanwhile, so treat it as a short stop.
Switch from Mollie if you need a quick digital storefront and accept an upcoming migration.
Stripe publishes a standard rate with no setup or monthly fee and reaches 195 countries and over 135 currencies. Interchange-plus is offered to larger merchants. Billing, tax, fraud and terminal products are priced separately, and cards from the UK cost more than standard EEA cards.
Switch from Mollie if you sell in many countries and currencies and want developer tooling.
Square prices in-person, online and invoiced card payments on separate lines, and the rate falls on higher plans, with an entry plan that has no monthly fee. Online card payments cost more than in-person ones, and keyed or card-on-file payments have their own line, which hurts a mostly online seller.
Switch from Mollie if you run a US shop and want software, hardware and payments from one vendor.
Braintree, now branded PayPal Enterprise Payments, publishes US card, ACH and Venmo rates and ties approval to PayPal. Cards issued outside the United States and non-USD presentment each add a percentage point, and a chargeback fee is listed.
Switch from Mollie if you sell mainly in the US and want Venmo and PayPal beside cards.
PayPal publishes a business fee schedule with a standard commercial rate plus a fixed fee, a lower rate for card payments without a PayPal account and a higher one for buy now pay later. Fixed fees, currency conversion and dispute fees stack, so small baskets cost more than the headline suggests.
Switch from Mollie if buyers ask for a PayPal button and trust it at checkout.
Worldpay shows two online packages with card rates and no setup fee on its UK page, while its small-business page notes a minimum 18-month contract on online applications. Global Payments owns it since January 2026. The quote sets what you pay, so read the contract term first.
Switch from Mollie if you want a large acquirer and can accept a fixed contract term.
GoCardless: It collects from bank accounts, so a recurring invoice costs a fraction of a card fee, though one-off consumer card sales need another processor.
02
You sell software and do not want to run sales tax
Paddle: It acts as merchant of record for tax, fraud, chargebacks and buyer support, at one all-in rate per checkout.
03
You mostly take payments in person and by link
SumUp: It starts with a flat rate and no monthly fee, with a paid tier that lowers the rate past the stated monthly threshold.
04
You sell across many countries and currencies
Stripe: It covers 195 countries and over 135 currencies, with billing, tax and fraud modules priced separately.
05
You process enough volume to negotiate
Checkout.com: Pricing is quoted per business as flat rate or interchange++, with no setup or maintenance fees.
04
When Mollie is still the right choice
Mollie remains a sound choice for a European merchant who wants one price list covering cards, SEPA Direct Debit at 0.35 euros, SEPA bank transfer at 0.25 euros, payment links, invoicing and recurring billing, with no monthly fee, no lock-in contract and a choice between daily, weekly and monthly payouts. If most of your buyers pay by consumer card from the EEA, the standard rate is easy to forecast and the move rarely saves money.
05
What moving off Mollie involves
01
Stored payment details do not travel by themselves
Recurring customers and mandates sit in Mollie. Ask the new provider how tokens or mandates are migrated before you cancel, because customers may otherwise need to authorise again, and plan the switch around your billing dates.
02
Local payment methods need re-enabling one by one
Mollie lists many regional methods on its price page. Compare that list with what the new provider activates for your countries, and test a payment in each method before redirecting live traffic. Keep Mollie open until pending payouts and refunds have cleared.
06
Questions about replacing Mollie
6 answers
What does Mollie charge for cards?
The online price list shows 1.80% + 0.25 euros for EEA consumer Mastercard and Visa cards, 2.90% + 0.25 euros for EEA commercial cards and 3.25% + 0.25 euros for non-EEA cards. American Express is 2.90% + 0.25 euros.
Does Mollie have a monthly fee?
Not on the online plan we read: the page states no minimum costs and no lock-in contracts, with payment links, invoicing, checkout and recurring included. In-person payments have a separate 0 euro pay-as-you-go plan and a Pro plan at 20 euros a month.
When does Mollie negotiate prices?
The page offers volume pricing for businesses processing over 100,000 euros a month, with IC++ pricing and volume discounts. It also lists waived fees up to 1,000,000 euros for startups, depending on funding levels.
Which alternative is cheapest for recurring invoices?
GoCardless collects from bank accounts instead of cards, so repeat invoices cost a fraction of a card fee. It does not replace a card checkout for one-off consumer sales.
Which alternative takes over sales tax?
Paddle acts as merchant of record and handles sales tax, fraud and chargebacks, as does Lemon Squeezy for digital products. Both charge a higher all-in rate than plain processing, and Lemon Squeezy is being steered towards Stripe Managed Payments.
Can I get a lower rate by moving to Stripe or Adyen?
Not automatically. Stripe offers interchange-plus to larger merchants, and Adyen charges a fixed fee plus a method fee. Compare your real mix of consumer, commercial and non-EEA cards, not the headline rates.
—
Sources
Checked 6 November 2026
Mollie pricing: Card, SEPA and in-person rates, no lock-in, 100,000 euro volume pricing, payout fees, startup programme.
Founder of The Knowledge Engineers and of 2 Steps Ahead, an AI search visibility agency. Editorially responsible for every page on this site; research and drafting are AI-assisted.
Sebastiaan Smits wrote and checked this page, most recently on 6 November 2026. See how we review.
