Mollie vs Adyen: Which Payment Provider to Choose

Note that the information about Mollie and Adyen found in this article was taken from their respective websites on 13 May 2024. This information is subject to change.

Adyen and Mollie are the leading payment providers in European and global business landscapes. This makes the choice between them a difficult task for merchants.

Adyen payment provider was founded in 2006 in Amsterdam, the Netherlands. In 2009 it signed its first global merchant, Groupon. By 2012, the company opened office locations in San Francisco, London, Paris and Stockholm. Today, Adyen’s payment solutions are some of the top-level in the business world.

Mollie was founded in 2004, in Amsterdam too. Today, the company serves over 200,000 businesses across Europe. Mollie’s team includes 750 professionals working from Lisbon to London.

Here, we compare Adyen and Mollie to help you choose a payment provider. We review the product range, integrations, pricing and coverage.

Mollie vs Adyen for Online Payments

Mollie offers 29 payment methods, including key bank card networks, popular digital wallets, buy now pay later (BNLP), and other alternative options.

Mollie Payment Links enable merchants to get paid via a customisable payment link. It can be sent to the customer via a channel such as social media, message, etc.

Meanwhile, Mollie Checkout offers a branded checkout including a no-code solution and customisable checkout components.

Mollie Recurring Payments enable merchants to create flexible, scalable subscription plans and streamline billing.

Adyen payment methods offer merchants with 92 online options, including bank cards, popular digital wallets and BNLP.

Adyen Web Payments allow merchants to build optimised checkouts for their customers. Adyen payment gateway includes in-browser payments on any device (desktop, laptop, tablet, mobile) and location-based checkout.

Adyen In-App Payments enable businesses to create in-app and mobile flows. Adyen Pay-by-Link, meanwhile, lets customers pay using a secure link that’s hosted by the provider but made by the merchant.

Payment Security

Mollie’s Acceptance & Risk Solutions include services like customisable block lists, dynamic 3DS, intelligent fraud screening and configurable risk controls.

Adyen's security suite allows merchants to block fraud, prevent disputes and set cutomisable risk rules. It also includes block lists, as well as velocity & consistency rules, dynamic 3D secure, automated risk assessment, and more. Note that some features are only available for premium clients.

Other Payment Features

Mollie Invoicing feature is currently in beta. It allows merchants to create, edit and send fully branded digital invoices. Merchants can manage invoices from the dashboard.

Mollie Connect is an advanced solution for SaaS platforms and marketplaces to accept and monetise payments, onboard users, and manage funds.

Adyen Unified Commerce allows merchants to connect online and offline payments in one system, which enables valuable cross-channel insights.

Adyen Embedded Payments is a solution for marketplaces to embed payments. Businesses can let their users sign up, sell and get paid all through one product.

Mollie vs Adyen: In-Person Payment Solutions

Mollie offers two in-person payment hardware products. Mollie Mobile Terminal is a point-of-sale (PoS) solution for retail, food and drink, booking platforms, and more. Meanwhile, with Mollie Kiosk Terminal merchants can create a custom in-person checkout experience for self-serve and ticket sales.

Adyen PoS include a wider range of devices from tap-to-pay, to mobile solutions and countertop terminals.

More Features

Mollie Dashboard is a digital interface that helps merchants oversee and manage their payments and payouts. The dashboard provides a centralised hub to view and manage transactions and access other features, including reports, accounting data, and fraud prevention and payment optimisation tools.

With Mollie Capital, businesses can get up to£250,000 capital. They can apply in minutes, access funds in hours, and enjoy flexible repayments based on sales.

Adyen Revenue Optimisation offers an all-in-one payments optimisation toolkit, including routing, messaging and recovery features within Adyen’s payments platform.

Adyen Impact allows merchants to add a donation prompt to in-person payments. Donations can be either a fixed amount or a round-up. The feature is available in NA, APAC and EMEA.

Adyen Customers Area provides user insights from real time data across all channels. Merchants can get insights into channel performance and real time payment behaviour, assign users to manage risk, perform refunds, add payment methods, while connecting online and offline payments.

Adyen Capital is an invite-only feature that gives users on the merchant’s platform access to fast and flexible cash advances. It includes proactive risk assessments and automated repayments.

Adyen Card Issuing allows merchants to issue physical or virtual cards with their own branding. Merchants are compliant by default, which prevents fraud with card controls and custom authorisation. They can leverage the interchange share as well as actionable, connected data insights.

Mollie vs Adyen: Integrations & Coverage

In terms of third-party integrations, Mollie Plugins allows users to connect to more than 120 ready-made integrations. These include e-commerce platforms such as WooCommerce and OpenCart, as well as other business tools such as invoicing and accounting.

Similarly, Adyen offers a range of plugins for leading technology solutions. These include popular e-commerce platforms, such as WooCommerce and Shopify, as well as business tools such as Salesforce.

In terms of coverage, Mollie offers services to companies based within the European Economic Area (EEA), Switzerland or the United Kingdom. Meanwhile, Adyen accepts payments in almost 100 countries across all continents. In-person payments are available in the Americas, APAC, Europe and the Middle East.

Mollie vs Adyen: Fees

In terms of Mollie vs Adyen pricing, the providers use slightly different approaches. Mollie offers two pricing plans. The standard pricing has no minimum costs, you can access all features and pay per transaction. Meanwhile, the volume pricing is for businesses that process more than £50,000 a month and includes a dedicated account manager, IC++ pricing, volume discounts, multi-product discounts and country-specific rates.

For example, here is the breakdown of some of Mollie’s fees per transaction. For full fee structure, visit the provider’s website.

Similarly, Adyen charges we charge a fixed processing fee + a fee determined by the payment method for each transaction. Other Adyen products, besides payment methods, are priced separately. As Adyen operates in a wider geography, the fees are dependent on the merchant’s and shopper’s countries. For the full breakdown, of the fee structure, visit Adyen’s website.

Alternatives to Mollie and Adyen: Noda

​​Noda is a global open banking provider that assists online merchants with end-user KYC, payment processing, LTV forecasting and UX optimisation. We partner with 2,000 banks across 28 countries, spanning over 30,000 bank branches. Noda supports a wide range of currencies for globally-minded clients. We offer scalable plans to fuel your business growth and e-commerce plugins for easy integration.

With Noda's advanced Open Banking API, online businesses can easily integrate direct bank payments, offering their customers a seamless and secure payment experience with lower fees. Whether you're looking to enhance customer verification processes, optimise payment systems, forecast long-term value, or refine the user experience, Noda is your partner in growth.