SumUp vs Mollie
SumUp and Mollie both take card payments under a European payment licence, but they start from different places. SumUp is built around card readers and a pay-as-you-go in-person rate, with online payments as an add-on. Mollie is built around online checkout, with in-person terminals as a second product. Which fits depends on whether your till or your website brings in most of the money.
Choose SumUp if
most of your sales happen face to face, you want a flat in-person rate with no monthly fee, and a reader or phone-based Tap to Pay is how you take payments.
Read the SumUp reviewChoose Mollie if
most of your sales happen on a website, you want payment links, invoicing and recurring payments included in one per-transaction price, and you may add a terminal later.
Read the Mollie reviewSumUp and Mollie side by side
| SumUp | Mollie | |
|---|---|---|
| Company | SumUp | Mollie B.V. |
| Headquarters | Berlin, Germany | Amsterdam, Netherlands |
| Founded | 2012 | 2004 |
| Jurisdiction | EU (Germany) | EU (Netherlands) |
| Where the data sits | EU/UK | EU data centres |
| Pricing | From 1.69% per in-person transaction | Per method, from €0.29 (iDEAL); cards from €0.29 + 1.8% |
| Entry-level list price (vendor site, checked 13 November 2026) | €0 a month, 1.69% per in-person transaction (pay-as-you-go); €19 a month at 0.95% on a 12-month commitment; online payments 2.50% per transaction; Tap to Pay €0 (SumUp Ireland price page). | Online: EEA consumer Visa and Mastercard 1.80% + €0.25, SEPA bank transfer €0.25, no monthly fee. In person: €0 a month with 1.20% on domestic consumer cards, or Pro at €20 a month per terminal with €0.10 + 0.85% (Mollie pricing page, English). |
| Free tier or trial | No subscription; reader from about €39 | No monthly fee, pay per transaction |
| Certifications and checks | PCI DSS | PCI DSS, PSD2/SCA |
| Source code | Closed source | Closed source |
| Usually replaces | Square, iZettle | Stripe, PayPal |
| Position in our Payment Processing guide | #1 of 12 | #3 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 SumUp and Mollie differ
Across the five points below, SumUp has the edge on 2 points, Mollie 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.
In-person fees
SumUp's Irish price page shows pay-as-you-go at €0 a month with 1.69% per in-person transaction, and a €19 a month plan at 0.95% on a 12-month commitment. Mollie's in-person Pay as you go plan is €0 a month with 1.20% on domestic consumer cards and a terminal limit of one; Pro costs €20 a month per terminal with €0.10 plus 0.85%. Mollie's headline card rate is lower, but SumUp's plans are simpler to read.
Edge: SumUp
Online payment fees
SumUp's online payments page states one price: 2.50% per transaction, no set-up or monthly fee. Mollie's pricing page lists European Economic Area consumer Visa and Mastercard at 1.80% plus €0.25, commercial cards at 2.90% plus €0.25, and SEPA bank transfer at €0.25. For a typical consumer card sale Mollie costs less on tickets above about €36; below that the fixed fee weighs more.
Edge: Mollie
Hardware and getting started
SumUp's card readers page lists Tap to Pay at €0, plus Solo Lite, Solo and Terminal readers, each with a 30-day money-back guarantee and next-day payouts to a SumUp Business Account. Mollie sells terminals too, and its Pay as you go plan supports one terminal (PAX not supported), but its pricing page puts the online side first. SumUp is the easier way to start in a shop.
Edge: SumUp
Online toolkit
Mollie's pricing page says Payment Links, Invoicing, Checkout and Recurring come at no extra cost, and it offers volume pricing with IC++ above €100,000 a month and a platform product for marketplaces. SumUp also has payment links, invoices and an online store, but its invoice tier Invoices Plus costs €10 a month. Mollie is the deeper choice for web shops.
Edge: Mollie
Cost of scaling up
Both vendors move large merchants to custom terms. SumUp offers a tailored plan for larger businesses and says it can discuss custom online pricing if you use its SDK or API. Mollie offers volume pricing above €100,000 a month with a dedicated account manager. Neither publishes a rate for that tier, so the comparison has to be done in a sales call.
No clear winner on this point.
When neither SumUp nor Mollie fits
If neither fits, Adyen and Worldline are also in the payment processing category, and both are aimed at larger merchants with sales-led pricing.
SumUp vs Mollie: questions
For in-person card sales Mollie's domestic consumer rate of 1.20% is below SumUp's 1.69% pay-as-you-go rate, but it limits you to one terminal. Online, Mollie's 1.80% plus €0.25 beats SumUp's 2.50% on most consumer card orders.
Both have a €0 a month entry plan. SumUp adds an optional €19 a month plan with a lower in-person rate, and Mollie's Pro in-person plan costs €20 a month per terminal.
SumUp's site says SumUp Limited is regulated by the Central Bank of Ireland. Mollie's imprint says Mollie B.V. is licensed as an e-money institution by De Nederlandsche Bank, and Mollie UK Ltd is authorised by the FCA.
Mollie lists Recurring as included at no extra cost. SumUp's pages checked for this comparison do not state a recurring-billing price, so check with SumUp before relying on it.
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.
- SumUp pricing page (Ireland): In-person plans, Payments Plus fee, POS Plus and Invoices Plus prices (checked 13 November 2026)
- SumUp online payments page (Ireland): 2.50% online transaction fee, no monthly cost (checked 13 November 2026)
- SumUp card readers page (Ireland): Tap to Pay and reader lineup, 30-day money-back guarantee (checked 13 November 2026)
- Mollie pricing page: Online card, SEPA and in-person plan fees, volume pricing (checked 13 November 2026)
- Mollie imprint: Mollie B.V., Amsterdam, DNB-licensed e-money institution (checked 13 November 2026)