Stripe vs Mollie
Stripe vs Mollie: 2.9% + 30¢ (Payment processor) and 1.8% + €0.25 (Payment processor). Compare seller eligibility, tax responsibilities, payouts and subscription portability.
The useful answer
Both sit in the payment processor category, but that does not make their fees or eligibility identical. Investigate Stripe for teams building a custom payment and billing experience; investigate Mollie for european merchants comparing local payment methods. Neither wins for every country or workflow.
| Decision factor | Stripe | Mollie |
|---|---|---|
| Model | Payment processor | Payment processor |
| Public headline | 2.9% + 30¢ US domestic cards · Payments | 1.8% + €0.25 EEA consumer cards · EUR market quote |
| Best investigated for | Teams building a custom payment and billing experience Businesses in supported merchant markets | European merchants comparing local payment methods |
| Stripe relationship | This is the Stripe Payments baseline. Stripe also offers Managed Payments, a separate merchant-of-record product. | A merchant’s own Stripe account is not part of the documented Mollie onboarding. The full upstream stack is not assessed here. |
| Seller eligibility | The country filter uses a documented subset of Stripe merchant markets, not all buyer countries. India is conditional/preview. Approval, legal entity, owners and bank requirements still apply. | The mapped subset covers researched European merchant markets. Product-specific payment-method lists are not a universal merchant-country list. |
| Payout considerations | Standard payout timing and first-payout delays depend on market, business and account. Stripe can set reserves. Standard scheduled payouts and optional instant payouts have different fees and eligibility. | Read the payout and settlement conditions for your legal entity and payment method. Local methods can have different settlement, refund and recurring constraints. |
| Refunds and disputes | Original processing, Connect and currency-conversion fees are not returned on refunds under the US pricing reviewed. Dispute-received and dispute-response charges are separate; review the current product-specific rules. | Review the product’s refund authority, fee retention and dispute process. For a platform over an external gateway, the gateway’s dispute and settlement rules remain relevant; a platform subscription does not remove them. |
| Portability | Payment-data migration must follow a supported secure process between processors. CSV customer export alone does not move card credentials or make subscriptions continue automatically. | Plan for customer and invoice export, subscription state, entitlement delivery and secure payment-data migration. A list of customer emails is not a portable recurring-payment mandate. |
Before you decide
- Confirm seller, owner and payout-bank eligibility for the exact product.
- Identify who is the contractual seller and who handles taxes, refunds and disputes.
- Model your real checkout and payout volume, including fixed and add-on fees.
- Check subscription portability, data access and retained balances on exit.
Compare fees at your sales volume → · Compare tax responsibilities →
Primary sources
Sources: Stripe US pricing · Stripe merchant availability · Stripe Managed Payments · Stripe reserves · Stripe: compatibility review source · Stripe: supporting feature documentation · Mollie official product documentation · Mollie additional conditions · Mollie: compatibility review source · Mollie: supporting feature documentation · Mollie: supporting feature documentation · Mollie: supporting feature documentation · Mollie scoped pricing