Mollie vs Stripe

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Mollie vs Stripe: What are the differences?

Mollie and Stripe are leading payment processing platforms, each offering tailored solutions for businesses. Let's explore the key differences between them.

  1. Pricing structure: Mollie offers a simpler and more transparent pricing structure with no setup, monthly, or recurring fees. They charge per transaction, which makes it easier for small businesses to budget their payment processing costs. On the other hand, Stripe has a tiered pricing model that includes setup fees, monthly fees, and a percentage fee per transaction. This can be beneficial for businesses with higher transaction volumes and specific needs.

  2. Supported countries: Mollie primarily focuses on serving businesses in Europe, offering extensive coverage across European countries. They provide a local payment experience by supporting various payment methods specific to each country. In contrast, Stripe has a broader global reach, enabling businesses to accept payments from customers worldwide. They support multiple currencies and have operations in various countries, including the United States, Canada, Australia, and many European nations.

  3. Payment methods: Mollie supports a wide range of local and international payment methods, such as credit cards, iDEAL, Bancontact, SOFORT, and SEPA direct debit. They place a strong emphasis on serving the specific payment preferences of each country they operate in. Stripe, while offering various payment methods, primarily focuses on credit card processing and enabling businesses to accept online payments securely.

  4. Integration complexity: Mollie provides a developer-friendly API and comprehensive documentation, making it relatively straightforward to integrate their payment system into websites or applications. They offer plugins and libraries for popular programming languages and e-commerce platforms. Stripe also offers a robust API, but its integration can be more complex for less experienced developers due to its extensive feature set and flexibility.

  5. Subscription and recurring billing management: Stripe provides advanced subscription and recurring billing management tools, making it suitable for businesses with subscription-based models or recurring payments. They offer flexible billing periods, proration for mid-cycle upgrades/downgrades, and built-in support for trial periods. Mollie does not provide extensive subscription management features, focusing more on regular payment processing.

  6. Customization and branding: Stripe offers more flexibility for businesses to design custom payment forms and integrate them seamlessly into their websites or applications. They provide more control over the user interface, allowing customization to match the branding and design preferences of the business. Mollie, while supporting basic customization options, may have limitations in terms of branding and design control.

In summary, Mollie specializes in providing customizable payment solutions for European markets, supporting various payment methods like iDEAL, SEPA Direct Debit, and credit cards. In contrast, Stripe offers a comprehensive global payment infrastructure with features such as subscription billing, customizable checkout, and support for over 135 currencies, making it a preferred choice for businesses worldwide.

Decisions about Mollie and Stripe
Lucas Litton
Founder & CEO at Macombey · | 4 upvotes · 268.7K views

We use GoCardless to simplify the way clients and partners pay for our services. What intrigued us is the quick and easy ACH feature that gives our clients the option to log in with their bank account and shoot the funds directly to our account. The fee, compared to Stripe is less. Stripe and PayPal charge 2.9% + 30c and Stripe also forces the client to enter in all of their payment details manually and then if the payment doesn't work, the client has to try all over again. GoCardless charges 1% + 25c which is much more reasonable dealing with the large projects that we are currently working on.

We integrate GoCardless with Xero to easily send out quick invoices, receive the funds and track all revenue in one place.

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With COVID-19 looming over us, businesses are, more than ever, looking for ways to set up online payments.

And having recently gone through implementing both Stripe and GoCardless to get monthly subscriptions set up and automated on my company website, I felt there was no better time to write this blog post!

If you're currently looking at working with a Payment Gateway provider API, or you're currently working with one but are not a fan, are looking to automate things a bit more, or are just generally thinking about changing, then you should have a read of my latest blog post where I compare Stripe and GoCardless.

I compare APIs in depth, specifically the subscription checkout flow that both offer (they're very similar, with some BIG differences).

There are plenty of code examples on how to set it up in a Node.js environment and right at the end, I rate each API based on the following factors:

  • API ease of use
  • API documentation
  • Payment pages
  • Costs / fees
  • Security
  • Developer appeal
  • Customer experience
  • Free Trial

So feel free to check it out, and I hope you like it. Please leave any feedback as it is very helpful. Thanks!

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Stripe was made with developers in mind first so the extensibility of it is great! This makes it very easy for us to integrate and automate as much as we need with its APIs and SDK. It allows a lot of customization of exactly what we need to build our applications. They also manage all of our customers from a tax and accounting perspective which makes it easy from a business standpoint.

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Pros of Mollie
Pros of Stripe
    Be the first to leave a pro
    • 302
      Easy setup
    • 292
      Developer friendly
    • 248
      Well-designed api
    • 191
      Great documentation
    • 169
      Clear pricing
    • 75
    • 74
    • 63
      Full integration with webhooks
    • 43
      Amazing api
    • 38
      Great customer support
    • 11
    • 6
      Credit cards never hit your server - no pci worries
    • 5
      Recurring billing
    • 4
      No merchant account/gateway required
    • 3
    • 3
      Easy to integrate
    • 2
      Support for SCA (Strong Customer Authentication)
    • 2
      Fast UI
    • 2
      Great app
    • 1
    • 1
      Payments without own backend (using Stripe Products)
    • 1
    • 1
    • 1
      Great UI
    • 1
      So easy to use

    Sign up to add or upvote prosMake informed product decisions

    Cons of Mollie
    Cons of Stripe
      Be the first to leave a con
      • 4
      • 2
        CANNOT withdraw USD to a Canadian Bank Account
      • 2
        Does NOT have a currency conversion option like Paypal
      • 2
        They keep 25% of the income for 60 days

      Sign up to add or upvote consMake informed product decisions

      What is Mollie?

      Helps businesses of all sizes to sell and build more efficiently with a solid but easy-to-use payment solution.

      What is Stripe?

      Stripe makes it easy for developers to accept credit cards on the web.

      Need advice about which tool to choose?Ask the StackShare community!

      What companies use Mollie?
      What companies use Stripe?
      See which teams inside your own company are using Mollie or Stripe.
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      Sign up to get full access to all the companiesMake informed product decisions

      What tools integrate with Mollie?
      What tools integrate with Stripe?

      Sign up to get full access to all the tool integrationsMake informed product decisions

      Blog Posts

      Sep 29 2020 at 7:36PM


      PythonSlackG Suite+17
      Jun 19 2015 at 6:37AM

      What are some alternatives to Mollie and Stripe?
      A payments technology company that provides a single global platform to accept payments anywhere in the world. Businesses can process payments across online, mobile and in-store (POS) with over 250 payment methods and 187 currencies.
      Accept payments online, anytime, anywhere. is an online payment processing service that helps you accept credit cards, PayPal, and debit cards.
      PayPal is an online payments and money transfer service that allows you to send money via email, phone, text message or Skype. They offer products to both individuals and businesses alike, including online vendors, auction sites and corporate users. PayPal connects effortlessly to bank accounts and credit cards. PayPal Mobile is one of PayPal’s newest products. It allows you to send payments by text message or by using PayPal’s mobile browser.
      Braintree replaces traditional payment gateways and merchant accounts. From one touch payments, to mobile SDKs and international sales, we provide everything you need to start accepting payments today.
      It is a Payment Service Provider enabling webshops to easily accept online payments. Benefit from higher acceptance rates, better security, more insightful aggregate data and faster payments.
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