Mollie vs Stripe

Fees, tax handling, payouts and coverage side by side, plus how many verified RevMRR startups use each.

The short version

Neither is a merchant of record, so with either one you register for and remit sales tax and VAT yourself.
On the standard published rate, Mollie (1.8% + €0.25) is cheaper per transaction than Stripe (2.9% + $0.30).
Pick Mollie for: european and UK businesses, especially in the Netherlands and Benelux, that want one contract covering iDEAL, Bancontact, cards, Klarna and SEPA, with published pricing and no commitment..
Pick Stripe for: online-first businesses — SaaS, ecommerce, subscriptions, marketplaces — with access to developer talent, and any company selling internationally that needs multi-currency support and rich analytics..

	Mollie

RevMRR Score	B73	B74
Type	Payment Processor	Payment Processor
Standard fee	1.8% + €0.25	2.9% + $0.30
Monthly fee	€0	None
Merchant of record	No	No
Sales tax / VAT	You handle it	Paid add-on
Subscriptions	Supported	Supported
Payouts	You choose the schedule: every business day, we…	First payout 7-14 days; then a rolling schedule…
Who can sign up	Founded in 2004, based in Amsterdam, Netherlands	Founded in 2010, based in San Francisco, CA
Payment methods	Cards, Apple Pay, Google Pay, Local Payment Methods	Cards, Apple Pay, Google Pay, Local Payment Methods
Best for	European and UK businesses, especially in the Netherlands and Benelux, that want one contract covering iDEAL, Bancontact, cards, Klarna and SEPA, with published pricing and no commitment.	Online-first businesses — SaaS, ecommerce, subscriptions, marketplaces — with access to developer talent, and any company selling internationally that needs multi-currency support and rich analytics.
Used on RevMRR	Not connectable yet	0 verified startups

Mollie

Mollie does the thing this industry almost never does: it publishes the whole price list, per payment method, and lets you cost your business before you sign anything. Add a Dutch central bank e-money authorisation, 250,000 merchants, no lock-in on the online product and by far the best Trustpilot standing of any European PSP at its scale, and it is an easy provider to recommend — inside its footprint. Outside Europe and the UK it simply is not an option, and the complaints that do exist are the serious kind: accounts suspended and balances held.

+ Publishes its full price list per payment method, so you can calculate your true cost before applying — genuinely rare at this scale.
+ Authorised by De Nederlandsche Bank as an electronic money institution (relation number F0038), with e-money issuing, acquiring, payment initiation and account information services all on the register since 16 January 2025, passportable across the EEA.
+ No lock-in, no minimum and no monthly fee on the online product — you pay only for successful transactions and can cancel at any time.
+ Around thirty European payment methods under one contract and one API, including iDEAL, Wero, Bancontact, Klarna, BLIK, TWINT, Przelewy24, Vipps and MobilePay — the local-method coverage is the real product.
+ 4.4 on Trustpilot across 12,690 reviews, with the company replying to 98% of negative reviews usually within 24 hours. Stripe and Adyen sit at 1.6 and 1.3 on the same platform.
+ Volume pricing moves to IC++ above €100,000 a month, so a growing merchant can get to interchange-plus without changing provider.
– Europe and the UK only. Mollie is not a route to US acquiring, and its pricing, licensing and payment methods are all built around the EEA.
– No card chargeback fee is published anywhere. The only dispute pricing Mollie publishes is for Klarna: €25 per lost dispute, plus up to €30 more if your dispute rate goes above 1.5%.
– The GoCardless integration is unfinished. Mollie said in December 2025 that products would be merged in a phased way; its June 2026 announcement refers to closing the deal, but we could not confirm a completion date. Two payment platforms merging is a period of migration work and support strain, and you would be signing up during it.
– Suspended accounts and withheld balances are the consistent theme of the negative reviews. Mollie is an e-money institution, not a bank, and account reviews can stop your payouts while they run.
– Below €500,000 of annual volume only five payouts a month are free; after that each one costs €0.25, so a daily payout schedule quietly costs a small merchant money.
– Cross-currency payouts cost 1% of the payout amount, which is a meaningful drag for a merchant selling outside its home currency.

Mollie pricing ↗

Stripe

Stripe earns its A grade: transparent flat-rate pricing with no fixed fees, an unmatched developer platform, and product breadth that covers everything from subscriptions to marketplace payouts. The honest caveats are the 7-14 day first payout, the possibility of holds while underwriting catches up with instant onboarding, and pricing that stops being a bargain at serious volume until you negotiate custom rates.

+ Best-in-class developer experience: clean APIs, SDKs, and documentation that set the industry standard
+ Transparent flat-rate pricing with no monthly, setup, PCI, or statement fees
+ Global reach with broad payment-method and multi-currency support
+ Deep feature set — subscriptions, invoicing, marketplace tools, virtual terminal — on one platform
+ No contract or early-termination fee on standard pay-as-you-go service
– First payout takes 7-14 days, and new or unusual accounts can face holds and verification friction
– Flat-rate 2.9% + $0.30 gets expensive at volume compared with negotiated interchange-plus pricing
– Complex for non-technical users — much of the value assumes you will build on the API
– Prohibits many high-risk categories and is not available in every country

Stripe pricing ↗