Mollie vs PAYONE

Mollie

The named list runs genuinely broad — BLIK, TWINT, Przelewy24, EPS and iDEAL|Wero at 0,42 € sit beside Bancontact, Klarna tiered by country group and SEPA Direct Debit at 0,35 € — well past the DACH/Benelux baseline. But we found no public information on settlement currencies, and none on which methods support refunds or recurring charges, so the breadth is not a matrix a merchant can plan against. "Über 38 Zahlungsmethoden" is a count, not a per-market plan.

PAYONE

SEPA Direct Debit and the Klarna suite are documented method by method with their countries and currencies, and the cards appear by name in the security pages; but the homepage still sells 'alle gängigen Bezahlverfahren' with no list, we found no public information on Apple Pay, Google Pay, iDEAL, Bancontact or other local methods named per country, and the SEPA country list is cut off behind a 'Show all' control.

Mollie

The pages name a checkout, a fraud-prevention module and automated decisions "zur Aufdeckung und Verhinderung von Finanzkriminalität" — and that is the entire story. We found no public information on 3-D Secure, SCA exemptions, hosted versus embedded integration, or PCI DSS scope. Fraud screening appears as a bullet, and a bullet is not something a merchant can audit or configure.

PAYONE

The Exemption Engine documentation is unusually concrete: low-value exemptions with the 30 and 100 euro limits, acquirer transaction risk analysis, 3-D Secure rolled in or out per transaction, and automatic soft-decline recovery, with liability written down — the merchant stands the cost of a fraudulent exemption. We found no public information on network tokens, an account updater, authorisation-rate reporting by issuer country, or the PCI DSS scope per integration type.

Mollie

Subscriptions are a named module, recurring payments are listed as included without extra cost, the dashboard claims to "rette eine fehlgeschlagene Zahlung", and SEPA Direct Debit is priced at 0,35 €. Beyond those names the pages go quiet: we found no public information on mandate handling, dunning, card account updater, or any process for exporting payment tokens to another provider. Feature names are claims, not documentation.

PAYONE

SEPA mandate handling is first-class: dedicated create and revoke endpoints, mandates valid for an indefinite run of subsequent transactions, a reduced eight-week contestation window, and webhook codes for declines. But we found no public information on subscription plans with scheduled charges, proration, smart retries or dunning, a card account updater, or any documented process for exporting stored credentials to another provider.

Mollie

Payout costs are public — five free per month below 500.000 € annual processing, then 0,25 € each, plus 1 % when the payout currency differs from the main balance — but the schedule and delay behind those payouts are not stated. Developer resources include documentation, libraries, a changelog, a status page and test keys on the same endpoints as live, which is more than a thin shell. We found no public information on per-transaction fee itemisation, webhook coverage, or reports that tie a payout to its transactions; "Saldenabgleich" is a product word, not a specification.

PAYONE

The developer pages show a documented API with webhooks, a test environment and test cases, but the captured payout pages are a list of unanswered questions — 'When will I receive my payouts?', 'Are there limits or fees for withdrawals?' — with no payout schedule or delay stated, no fee itemisation per transaction, and no report linking a payout to its transactions in evidence.

Mollie

The licence paper is unusually clean: Mollie B.V., E-money institution under the DNB with register number F0038, commercial register Amsterdam 302.04.462, plus Mollie UK Ltd under the FCA at FRN 977968. Then the bad-day terms are absent from the captured pages — we found no public information on reserves, fund freezes, termination notice, safeguarding of merchant funds, or chargeback fees; the only complaint route named runs to the data protection authority, not the prudential supervisor. A register number is an answer; the rest of the question stays open.

PAYONE

The imprint names PAYONE GmbH in Frankfurt with its commercial register entry, VAT ID and a BaFin licence as an e-money institution — an identified, supervised entity. We found no public information on safeguarding of merchant funds, chargeback fees, reserve or freeze terms, or the notice period for termination; the general terms exist only as downloads whose contents the captured pages do not show, and no BaFin register number appears.

Mollie

An Amsterdam entity with a DNB e-money licence contracts for the service and the imprint publishes the register number, so the European part of the chain is on paper. But the captured pages state that transfers outside the EEA occur under EU standard contractual clauses without naming where, and we found no public information on where payment and cardholder data are processed or stored. Subprocessors appear only as categories — infrastructure, customer service, marketing, CRM, email — with a single named party, Ekata of Mastercard, and no locations.

PAYONE

A German contracting entity under BaFin supervision, a French parent in Worldline, and a statement that all group companies sit within the EU and EEA — the chain that is named is European. But there is no statement of where payment and cardholder data are processed or stored, and the published subprocessor list covers website analytics, marketing and video tools rather than the payment platform; the independently sourced attributes likewise leave data residency unknown.

Mollie

Per-method rates are public down to country tiers — Klarna at 2,99% + 0,45 € for the Netherlands and Belgium versus 4,50 % + 0,35 € for France — and cards are split into EEA consumer, EEA commercial and non-EEA at 1,80 %, 2,90 % and 3,25 % plus 0,25 €, with payout fees, terminal prices and a stated zero monthly fee. But the chargeback fee and the refund fee are where a merchant bleeds, and we found no public information on either; Apple Pay defers to "der verwendeten Kreditkarte" and PayPal to "PayPal-Gebühren". IC++ and volume prices exist on the page, but only from 100.000 € monthly — past that line everything becomes a conversation.

PAYONE

Two e-commerce packages publish setup and monthly fees — '49,00 € einmalige Einrichtungsgebühr', '19,00 € monatliche Grundgebühr' — with per-transaction fees of '0,99 € + Disagio' and 'ab 0,09 € + Disagio', where the Disagio, the card charge itself, is left unquantified in the captured pages. We found no public information on cross-border rates, currency conversion markups, chargeback fees or whether the model is blended or interchange-plus; the price lists exist only as downloads whose contents are not shown.