Mollie payments: how it works, costs and the alternative for merchants
Mollie built a reputation on simplicity: an account opened in a few steps, ready-made plugins for the main CMSs and a hosted checkout that takes cards, wallets and European bank methods. For a merchant evaluating Mollie payments two practical questions remain: what it actually costs, since every payment method carries its own rate, and what happens when an in-person store gets added to the online collection. This guide answers both questions and compares the Mollie model with RoxPay's integrated pricing (€0.15 + 0.35% to 0.85% (IC++)), designed for ecommerce and terminal under the same contract.
Cost structure: rate per method vs IC++ pricing
| Provider | Pricing model | POS hardware | In-person sales |
|---|---|---|---|
| Mollie | Dedicated rate for each payment method | No | Not included in the gateway contract |
| RoxPay | €0.15 + 0.35% to 0.85% (IC++) | Yes (Android POS) | Included under the same contract |
Mollie rates differ per payment method: the effective cost depends on the mix of methods your customers use (cards, PayPal, wallets, European bank methods).
What Mollie is and where it stands in Europe
Mollie is a payment provider headquartered in Amsterdam, active since 2004 on European online-commerce markets. The model is pure gateway: no hardware sold or rented, everything goes through the online checkout, with certified plugins for WooCommerce, Shopify, PrestaShop and Magento that shorten integration time.
This identity explains both the strengths and the limits. The positive side: fast setup and European local methods, from wallets to cards through SEPA transfers, covered by the same contract, which is an advantage for merchants selling in several countries. The limiting side: there is no physical component, so a merchant that also opens a store needs a second provider for the POS, with separate fees and statements.
Compared with a gateway that applies one percentage to everything, Mollie does not publish a single universal rate: every payment method has its own card. To estimate total cost, work on the real mix of transactions, not on the headline method.
Mollie fees: estimating costs with rates per payment method
The most common question about Mollie fees has no single answer: the price list is organized per payment method, so cards, PayPal, Apple Pay and European bank methods follow different rates documented on the provider's pricing page. To estimate the monthly cost you need two data points: the volume collected and the mix of methods customers use.
A practical example: an ecommerce with 10,000 euro monthly turnover and a 50 euro average ticket generates 200 transactions, so the rates valid for each method in the mix must be summed. The total moves according to the share of credit cards versus the cheaper bank methods. With IC++ pricing the structure is a fixed €0.15 per transaction (30 euro on 200 operations) plus a variable between 0.35% and 0.85%: on 10,000 euro the indicative total is 65-115 euro.
Compare the two models on real volume, as the [gateway fees comparison](/en/resources/payment-gateway-fees-comparison) shows; the line-by-line calculation is described in the guide on [calculating IC++ fees](/en/resources/calculating-payment-fees-ic-plus-plus).
Mollie vs RoxPay: which model fits
Mollie remains a reference for the merchant who works only online, sells across European countries and values a ready plugin more than the decimal cost per transaction. Alternatives come into play in three precise situations.
The first: the merchant with an in-person store too. RoxPay covers the Android POS terminal and ecommerce under the same contract, removing the second agreement needed when in-person sales fall outside the online gateway's scope. The second: total cost on volume, where on typical EEA debit mixes the IC++ total stays below the sum of the per-method rates; the simulation on your volume sits on the [RoxPay vs Mollie](/en/comparison/roxpay-vs-mollie) landing page. The third concerns cost transparency: with IC++ pricing, interchange, scheme fee and markup appear as separate lines on the statement, the starting point of the [fees comparison](/en/resources/payment-gateway-fees-comparison).
Frequently Asked Questions
What is Mollie and who owns it?
Mollie is a European online payment provider headquartered in Amsterdam, active since 2004. It is a gateway built for ecommerce: hosted checkout, European local methods and certified plugins for the main CMSs, with no hardware in the contract.
What are Mollie's fees?
The Mollie price list is structured per payment method: cards, PayPal, Apple Pay and European bank methods follow separate rates documented on the provider's pricing page. The effective cost depends on the mix of methods customers use and must be estimated on your own volume.
Does Mollie offer POS terminals for in-person sales?
No: Mollie's model centers on the online checkout and does not include POS hardware in the gateway contract. A merchant with a physical shop must activate a second provider for the POS, with separate terms and statements.
Mollie or RoxPay for an ecommerce business?
It depends on priorities: for cross-border sales with a quick checkout Mollie is competent, but the comparison must be made on the total cost of the method mix. RoxPay integrates gateway and Android POS terminal under one contract with pricing from €0.15 + 0.35% to 0.85% (IC++), and on typical ecommerce mixes produces a lower total cost.
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