Mollie vs Adyen
Mollie and Adyen are both Dutch payment companies, but they serve different sizes. Mollie publishes per-method rates with no minimum costs or lock-in and says it serves more than 250,000 businesses across Europe. Adyen, founded in Amsterdam in 2006, charges a fixed processing fee plus a payment-method fee on an Interchange++ model, with no monthly or set-up fees and acquiring licences in many regions.
Choose Mollie if
you are a small or mid-sized business in Europe that wants published rates per payment method, payment links, invoicing and checkout included, and no contract to sign.
Read the Mollie reviewChoose Adyen if
you process high volumes or sell globally, want Interchange++ pricing that follows interchange and scheme fees, and are happy to negotiate terms.
Read the Adyen reviewMollie and Adyen side by side
| Mollie | Adyen | |
|---|---|---|
| Company | Mollie B.V. | Adyen N.V. |
| Headquarters | Amsterdam, Netherlands | Amsterdam, Netherlands |
| Founded | 2004 | 2006 |
| Jurisdiction | EU (Netherlands) | EU (Netherlands) |
| Where the data sits | EU data centres | EU data centres |
| Pricing | Per method, from €0.29 (iDEAL); cards from €0.29 + 1.8% | Interchange-plus; about €0.11 + scheme fee per transaction |
| Entry-level list price (vendor site, checked 8 October 2026) | No monthly fee; EEA consumer Visa/Mastercard 1.80% + EUR 0.25, iDEAL/Wero EUR 0.32 | No monthly fee; USD 0.13 fixed fee + payment-method fee (Visa/Mastercard: Interchange + 0.60%) |
| Free tier or trial | No monthly fee, pay per transaction | Sales process, no self-serve trial |
| Certifications and checks | PCI DSS, PSD2/SCA | PCI DSS Level 1 |
| Source code | Closed source | Closed source |
| Usually replaces | Stripe, PayPal | Stripe, Braintree |
| Position in our Payment Processing guide | #3 of 12 | #2 of 12 |
Both are listed in our European Payment Processing guide. The table is built from the same directory data as those entries, except the list price, which is quoted from each vendor's own pricing page (see Sources below); how we check it is described in the editorial process.
Where Mollie and Adyen differ
Across the five points below, Mollie has the edge on 2 points, Adyen on 2 points and one is a tie. A count like that is a summary, not a verdict: the point that matters to you may be the one the other product wins.
Pricing transparency
Mollie's pricing page lists rates per method: for example 1.80% + EUR 0.25 for EEA consumer Visa and Mastercard, EUR 0.32 for iDEAL/Wero and EUR 0.35 for SEPA Direct Debit. Adyen lists a fixed fee of USD 0.13 plus a method fee, calls its figures indicative and invites you to discuss pricing. Mollie is easier to price up front.
Edge: Mollie
Pricing model at scale
Adyen says its Interchange++ model tracks interchange rates and scheme fees down to the transaction level, and for cards lists USD 0.13 + interchange + 0.60%. Mollie quotes custom rates for merchants over EUR 100,000 monthly volume. Adyen's model is the more transparent one for large card volumes.
Edge: Adyen
Fees outside the transaction
Mollie lists no minimum costs, with the first 5 payouts a month free for merchants under EUR 500k annual volume, then EUR 0.25 each, and 1% on multi-currency conversions. Adyen says it has no monthly, set-up, integration or closure fees, though a minimum invoice may apply depending on industry. Each has a small catch.
No clear winner on this point.
Included tooling
Mollie says Payment Links, Invoicing, Checkout and Recurring payments are included at no extra cost, and lists in-person plans from EUR 0 a month (Pay as You Go) to EUR 20 (Pro). The Adyen pricing page we checked lists no comparable bundled tools.
Edge: Mollie
Global reach and licences
Adyen was founded in Amsterdam in 2006 and its about page lists acquiring licences from Europe (2012) to Singapore, Hong Kong, Australia, New Zealand, Malaysia, Puerto Rico, Japan, UAE and a US branch, with 28 offices and EUR 970.1 BN processed in 2023. Mollie describes its mission as serving businesses in Europe and the UK.
Edge: Adyen
When neither Mollie nor Adyen fits
If neither fits, compare the other providers in our payment processing guide, which lists European options side by side with the same fact table.
Mollie vs Adyen: questions
For a small business with published rates, Mollie is easier to price: EEA consumer Visa and Mastercard cost 1.80% + EUR 0.25. Adyen charges USD 0.13 plus a method fee, and for cards interchange plus 0.60% on top, with figures it calls indicative. At high volume, Interchange++ can work out lower, so ask both for a quote.
Adyen's pricing page says it has no monthly fees, set-up fees, integration fees or closure fees, but notes that a minimum invoice may apply depending on industry. Mollie says it has no minimum costs, no lock-in contracts and no hidden fees.
Adyen says it was founded in 2006 in Amsterdam, the Netherlands. Mollie's about page says it serves more than 250,000 businesses across Europe with a team of about 1,000; we could not confirm its headquarters from the pages we checked.
Mollie is built around European payment methods and lists iDEAL/Wero, SEPA Direct Debit, SEPA bank transfer, PayPal and Klarna with their rates. Adyen lists payment methods such as Visa, Mastercard, PayPal, Klarna and Apple Pay with a fixed fee plus a method fee. Smaller shops tend to start with Mollie; global sellers look at Adyen.
Sources
Facts, prices and plan details on this page were checked on the vendors' own websites on . Prices and plans change; the vendor's current page is authoritative.
- Mollie pricing page: per-method rates, no minimum costs, payout fees, in-person plans, included tooling (checked 8 October 2026)
- Mollie about page: 250,000+ businesses across Europe, team of about 1,000, mission (checked 8 October 2026)
- Adyen pricing page: fixed fee USD 0.13, method fees, Interchange++, no monthly or set-up fees, minimum invoice (checked 8 October 2026)
- Adyen about page: founded 2006 in Amsterdam, licences, 28 offices, 2023 volume (checked 8 October 2026)