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Honest comparison · 2026

Paybyrd vs Mollie

Mollie is the Dutch default. It's also expensive at scale, and its APM rates don't scale down with volume.

Savings vs Mollie
€6,415 / yr
at €1M annual volume · blended mix
Cost reduction
37.8%
lower processing cost
Approval lift
+4–7%
vs benchmark · multi-acquiring
Migration
18 days
typical · parallel-processed
Book a 30-min demo Run your real numbers
Rates at a glance

The numbers, side by side.

Blended rates against a typical EU merchant card mix (85% EEA consumer, 10% non-EEA, 5% business). Published pricing as of April 2026.

P
Paybyrd
Online cards
1.25% + €0.08
APMs
€0.2
Card-present
0.5%
Chargeback fee
€7.5
Monthly minimum
None
M
Mollie
Online cards
1.8% + €0.25
APMs
€0.29
Card-present
1.2%
Chargeback fee
€15
Monthly minimum
None

Rates are blended against a typical EU merchant mix (85% EEA consumer, 10% non-EEA, 5% business). Headline rates in Mollie's own published materials don't include the non-EEA and business-card surcharges that apply to most real merchant volume. These numbers do.

Where Mollie still wins

We won't pretend Mollie is all bad.

Mollie has a real business and serious strengths. Here's the honest list, so you can weigh it against what Paybyrd changes.

✓ Mollie is strong at
  • Excellent developer experience for small-to-mid NL merchants — clean docs, quick setup.
  • Strong iDEAL + Bancontact coverage at flat fees.
  • Friendly brand, pay-as-you-go pricing with no commitment.
→ Where Paybyrd wins
  • 1.80% + €0.25 online vs Paybyrd 1.25% + €0.08 — 0.55% lower rate AND €0.17 lower fixed on every transaction. At €1M/yr that's €6,500+ back in your pocket.
  • iDEAL flat €0.29 forever, no matter the volume. Paybyrd's iDEAL starts at €0.19 and drops further above €10M/yr — you get economies of scale Mollie doesn't pass through.
  • Single-acquirer routing on Mollie. Paybyrd's multi-acquiring recovers an additional 4–7% of otherwise-lost transactions (soft declines retry on a second acquirer in under 200ms). On a €1M/yr Dutch merchant that's ~€20K–€35K of recovered revenue.
  • €15 chargeback fee vs Paybyrd €7.50 — cut dispute cost in half.
  • 99.999% uptime SLA with contractual credits (10% / 25% / 50% tiers). Sub-200ms failover to hot-standby. Mollie operates on best-effort SLAs with no credit-backed commitments.
  • Paybyrd Antifraud: 47ms p95 decisions, 55+ signals per transaction, −16.8% chargebacks average. Shadow mode lets you run alongside your current fraud stack for 2–3 months before flipping decisioning over. Mollie's fraud tooling is rule-based only.
  • Per-outlet / per-SKU / per-channel reconciliation in the dashboard. Finance teams close the day in hours, not Mondays (Vila Galé's phrase). Mollie's single payout line forces manual splits.
  • Card-present payments from 0.50% with Paybyrd terminals (PAX A77 from €199, rent or buy, OTA updates, InstaTax for tax-free refunds, offline store-and-forward with 500-txn buffer). Mollie is online-only.
  • Up to 80% DCC revenue share back to the merchant on international-card volume. Useful for NL merchants with any cross-border exposure (EU tourism, UK spill-over, US buyers).
How the switch works

18 days from contract to live traffic.

We don't ask you to flip a switch. Parallel-processing means you compare diff reports against your incumbent before committing. Rollback is always one config flag away.

  1. Phase 1 · Week 1–2
    Sandbox + integrations

    Your integrations team pairs with ours. Paybyrd sandbox certified. Existing card tokens, recurring IDs, and APM references mapped 1:1 on our side so no customer re-auth is needed.

  2. Phase 2 · Week 3–4
    Parallel processing

    Paybyrd handles 5–20% of live traffic while Mollie processes the rest. You compare approval rates, cost per transaction, and reconciliation against your incumbent in real time.

  3. Phase 3 · Week 4+
    Graduated cutover

    You hold the rollback switch. Scale Paybyrd traffic at whatever pace you're comfortable with — 50%, 80%, 100%. Most merchants finish cutover within 18 business days of contract sign.

Common questions

About switching from Mollie.

We're processing >€1M/year on Mollie. How much would we save on Paybyrd?
At €1M annual volume with a typical NL card-heavy mix (40% card / 50% iDEAL / 10% wallet), the blended Mollie cost is around €18,000/year. Paybyrd at the same volume is around €11,500/year. €6,500 in year-one savings, before the 4–7% approval-rate lift from multi-acquiring routing.
Does Paybyrd offer iDEAL at competitive rates?
Yes — iDEAL is a flat €0.29 on Mollie regardless of scale. Paybyrd offers iDEAL at volume-tiered rates starting from €0.19 and dropping further above €10M/year. We also support the new iDEAL 2.0 specifications ahead of schedule.
Can we migrate our subscription / recurring setup without re-tokenising?
In most cases yes — Paybyrd supports network-token imports from Mollie, Stripe, and Adyen so your existing card-on-file relationships survive the move. Our migration team runs this as a parallel process over 2-4 weeks with zero card re-authentication required from customers.
Is there a minimum commitment?
No — Essential plan is pure pay-as-you-go, no setup fee, no monthly minimum. Custom plans (volume tiers) are typically 12-month commitments for the better rates, but include a 30-day SLA-breach exit clause. We'd rather you stay because the platform works than because you're locked in.
Can I keep my existing acquirer contracts?
Yes. Paybyrd is acquirer-agnostic — keep your negotiated rates and in-flight volume commitments. We orchestrate on top. If you later choose to consolidate, we can act as your acquirer across 90+ markets, but it's a separate decision on a separate contract.

30 minutes with a payment engineer,
your numbers, no slides.

Bring your most recent Mollie statement. We'll benchmark your actual approval rate against Paybyrd's multi-acquiring routing (typical lift: 4–7% on EU card volume), and map the migration path.

Book a 30-min demo Or run your numbers first