Mollie vs PAYONE

Mollie

More than 38 payment methods are claimed and the price list names iDEAL and Wero, Bancontact, Klarna, BLIK, TWINT, Przelewy24 and EPS, with Klarna and Billie even priced per country group — breadth I could plan a European rollout against. But we found no public information on settlement currencies, on which methods support refunds or recurring charges, or on Google Pay, so the planning matrix a finance team needs is not on the pages.

PAYONE

The homepage sells "alle gängigen Bezahlverfahren" without naming anything, while the developer pages do better: Klarna's methods come with a twelve-country list and seven currencies, and SEPA Direct Debit with its scheme countries and mandate flow. We found no public information on wallets such as Apple Pay or Google Pay, on iDEAL, Bancontact or EPS, or on refund and recurring support stated per method beyond Klarna and SEPA.

Mollie

A checkout is included and fraud prevention is named as a module, and the dashboard advertises rescuing failed payments — but we found no public information on 3-D Secure, SCA exemptions, PCI scope per integration or authorisation handling. I would not hand over authorisation flows on marketing copy alone.

PAYONE

The exemption documentation is the best part of this file: low-value thresholds, acquirer transaction risk analysis, soft-decline recovery and who is liable when an exemption turns fraudulent are all written down, with hosted and server-to-server integration modes and a low-PCI claim. We found no public information on network tokens, an account updater, authorisation-rate reporting, or fraud rules and risk scores exposed to the merchant — the fraud modules are only named.

Mollie

Recurring payments are included at no extra cost, subscriptions are a named product module and failed-payment recovery is advertised, so the basics are visibly covered. We found no public information on SEPA mandate management, merchant-initiated transactions, dunning behaviour, or any documented process for taking stored payment tokens to another provider.

PAYONE

SEPA mandates are handled as a first-class product — creation, reuse, a dedicated revocation endpoint, a 36-month lifecycle and recurring charges for an indefinite number of transactions are all documented, plus an 8-week contestation window on valid mandates. But that is where it ends: we found no public information on subscription plans with scheduled charges, dunning or retries, an account updater, or any process for exporting stored credentials to another provider.

Mollie

Developer documentation, libraries, a status link and test keys on the same endpoints as live are published, balance reconciliation is named as a product module, and payouts are priced at up to five free per month with 0,25 € per additional payout for merchants under 500.000 € a year. But we found no public information on payout delay, per-transaction fee itemisation in reports, webhooks, or exports tying each payout to its transactions — I could not close a month from what is shown.

PAYONE

The payouts help pages read as a list of unanswered questions — viewing payouts, timing, changing the cycle, limits and fees — with no payout cadence, delay or figures stated anywhere I could find, and nothing on per-transaction fee itemisation or reports linking a payout to its transactions. The developer API with webhooks, documented status codes and a real test environment is what lifts this above the bare minimum.

Mollie

Identification is first class: Mollie B.V. of Amsterdam is named as an e-money institution under the Dutch central bank with register number F0038 and chamber number 30204462, alongside an FCA-registered UK entity, and the dashboard at least advertises disputing a chargeback. But we found no public information on reserve or rolling-hold limits, termination notice, chargeback fees or safeguarding of merchant funds — the bad-day terms I want in writing before signing are not in the captured pages.

PAYONE

The imprint names PAYONE GmbH in Frankfurt as a BaFin-supervised e-money institution with a commercial register entry, and the terms page carries the full AGB set including girocard and factoring conditions plus an online cancellation route. What I cannot find is what matters on a bad day: safeguarding of merchant funds, chargeback fee figures and a dispute process, notice periods for termination, and any reserve or rolling-hold conditions with limits.

Mollie

The contracting and licensed entity is the Amsterdam-based Mollie B.V. supervised by DNB, and transfers outside the EEA are acknowledged with EU standard contractual clauses as the stated safeguard. We found no public information on where payment or cardholder data is processed or stored, and subprocessors appear only as categories plus a single named provider (Ekata of Mastercard) without locations.

PAYONE

A German contracting entity with a BaFin e-money licence is on the imprint, and the privacy page states all group companies sit within the EU and EEA, with standard contractual clauses or adequacy decisions covering the third-country recipients — which the page says are website analytics, marketing and hosting only. The silence is on the core question: we found no public information on where payment and cardholder data are processed and stored.

Mollie

This is the strongest part of the file: every captured method carries an exact rate, cards are split by EEA consumer, EEA commercial and non-EEA, payouts carry 0,25 € after five free per month (under 500.000 € a year) plus 1 % for payouts in another currency, and the standard model is plainly pay-per-successful-transaction with no monthly fee. What holds it back is that we found no public information on chargeback or refund fees, the in-transaction currency conversion markup is not stated, and Apple Pay is only given as a rate that depends on the underlying credit card.

PAYONE

Setup and monthly fees are published plainly — "49,00 € einmalige Einrichtungsgebühr" with "0,99 € + Disagio" per transaction at Starter, "99,00 €" once and "19,00 € monatliche Grundgebühr" with "ab 0,09 € + Disagio" at Pro — but the Disagio itself is never quantified, the top package is "individuell" throughout, and the captured pages give no figures for payout limits and fees, chargebacks or currency conversion. I cannot compute an effective fee for any card or country mix from what is public.