Mollie vs PAYONE

Mollie

Named pricing shows broad European coverage — BLIK, TWINT, Przelewy24, EPS, iDEAL|Wero, Bancontact, Swish, Bacs, plus Klarna and Billie split by country — alongside SEPA Direct Debit and Visa and Mastercard tiered by EEA consumer, EEA commercial and non-EEA. We found no public information on settlement currencies, on which individual methods support refunds or recurring charges, or on Google Pay, which keeps this below the top band.

PAYONE

The homepage promises "alle gängigen Bezahlverfahren" without naming them, while the developer documentation names Klarna's variants with twelve countries and seven currencies, and SEPA Direct Debit with its own country list; girocard participation terms exist as a download, which hints at German debit coverage. We found no public information on Apple Pay, Google Pay, iDEAL, Bancontact, BLIK or TWINT with the countries they cover, so a merchant cannot plan per-market coverage from these pages.

Mollie

A checkout is listed as included at no extra cost and fraud prevention is named as a product module, with dashboard tools for disputing chargebacks and recovering failed payments. We found no public information on hosted versus embedded options, 3-D Secure or SCA exemption handling, PCI DSS scope per integration, or liability shift.

PAYONE

The Exemption Engine is documented in unusual depth — low-value exemptions below 30 €, acquirer transaction risk analysis, automatic soft-decline recovery and merchant liability for fraudulent exemptions are all stated — and hosted checkout plus server-to-server with a test environment, webhooks and documented test cases are available. Card-on-file transactions are explicitly out of the engine's scope, and we found no public information on an embedded checkout at reduced PCI scope, network tokens, an account updater or authorisation-rate reporting.

Mollie

Subscriptions are named as a capability, recurring payments are listed as included at no additional cost, SEPA Direct Debit is priced at 0,35 €, and the dashboard advertises recovery of failed payments. We found no public information on SEPA mandate handling and pre-notification, merchant-initiated transaction documentation, account updater, or any process for exporting stored payment tokens to another provider.

PAYONE

SEPA mandate handling is first-class: mandate creation via three API paths, a dedicated revocation endpoint, a 36-month mandate lifecycle, recurring validity for an indefinite number of subsequent transactions, and reuse of existing mandates including card-on-file, with an eight-week contestation period for valid mandates. We found no public information on subscription plan logic such as trials or proration, on dunning and smart retries, or on exporting stored payment credentials to another provider, so recurring support stops at the mandate layer.

Mollie

Balance reconciliation is named as a platform module, developer documentation with a changelog and status page is public, test keys run against the same endpoints as live, and payout pricing is published including five free payouts per month below 500.000 € annual volume and a 1% fee for payouts outside the main balance currency. We found no public information on payout frequency or delay, per-transaction fee itemisation, webhooks, or exports linking each payout to its transactions.

PAYONE

The developer platform documents an API with webhooks and a test environment, and the help centre addresses payout timing, changing the payout cycle, and payout limits and fees as topics, but the captured pages state no actual payout frequency, delay or fee values. We found no public information on per-transaction fee breakdowns, reports linking payouts to their transactions, or reconciliation exports that match bank lines.

Mollie

This is the strongest area for my purposes: Mollie B.V. is named as an e-money institution licensed and registered by the Dutch central bank under register number F0038, with chamber of commerce number 302.04.462 and a Keizersgracht, Amsterdam address, and Mollie UK Ltd is registered with the FCA under FRN 977968. We found no public information on safeguarding of merchant funds, chargeback fees and dispute timelines, reserve or rolling-hold conditions with limits, or notice periods and appeal routes for freezes and termination.

PAYONE

The imprint does what I always ask for: PAYONE GmbH is named as an E-Geld-Institut admitted and supervised by BaFin, with commercial register entry HRB 116860 at Amtsgericht Frankfurt am Main and ownership stated as Worldline and the DSV-Gruppe. We found no public information on safeguarding of merchant funds, reserve or rolling-hold conditions, termination notice periods or chargeback fees — only FAQ topics on handling chargebacks, a downloadable PCI DSS page without a stated level, and an online cancellation link.

Mollie

The contracting and regulated entity is Mollie B.V. in Amsterdam under DNB licence F0038, the privacy policy states transfers outside the EEA under safeguards such as EU standard contractual clauses, and it discloses that Mollie acts as controller for the processing described there and as processor only for its invoicing product. We found no public information on where payment or cardholder data are processed or stored, on locations for the named fraud-prevention subprocessor Ekata (Mastercard), or on a merchant data processing agreement; subprocessors are published only as categories such as infrastructure, customer service, marketing, CRM and email management.

PAYONE

The contracting and regulated entity is German with a BaFin e-money licence, the parent Worldline is seated in Paris, and the privacy policy states that all group companies are seated within the EU/EWR, with standard contractual clauses and adequacy decisions cited for third-country recipients. What matters most for my file is missing: we found no public information on where transaction and cardholder data are processed or stored, and the published recipient list covers website analytics and hosting rather than the payment-processing chain, so the payment subprocessors remain unnamed.

Mollie

Rates are published per method with card tiers split into EEA consumer, EEA commercial and non-EEA, local methods from iDEAL|Wero to TWINT each priced, Klarna and Billie given per country, plus payout terms, a 1% foreign-currency payout fee, terminal prices, a 20 €/month POS plan, and the standard model stated as no monthly fees with IC++ available from 100.000 € monthly volume. We found no public information on chargeback or refund fees, which a merchant needs to compute an effective rate.

PAYONE

Packages are priced publicly — 49,00 € setup for Starter, 99,00 € setup and 19,00 € monthly for Pro, with transaction fees of 0,99 € + Disagio and ab 0,09 € + Disagio — but the Disagio itself, per-method rates, cross-border and currency conversion markups and chargeback fees are not stated on the captured pages. Downloadable price and service schedules exist for the POS tariffs, though their contents are not shown, so a merchant cannot compute an effective fee from what is visible.