Find out more about the different payment methods that we offer our customers.

Apple Pay

Apple Pay is a popular e-wallet that lets customers store their preferred credit and debit cards

• Type: Pass-through wallet

• Countries: Global

• Business model: Ecommerce, marketplaces

• Recurring payments: Yes

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: Yes

Apple’s payment method, Apple Pay, is available all over the world. Consumers place their payment cards in Apple’s Wallet app, which means that the actual payment method depends on the cards that are placed in the app. The app stores all details and preferences of the various payment cards it holds. Payment is completed with a fingerprint or face scan, which means Apple Pay complies with the Strong Customer Authentication (SCA) regulations required under the Payment Services Directive 2 (PSD2).

Credit and debit cards

Credit card payments are still the world’s most popular way to pay. For consumers, they are one of the most secure payment methods.

• Type: Global card scheme

• Countries: Global

• Business model: Ecommerce, SaaS, subscription, marketplaces

• Recurring payments: Yes

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: Yes 

The world’s most widely used online payment method, cards allow customers to receive a line of credit and pay back the amount they spent in one go. This sum is generally paid back at the end of the month.

Many of the world’s leading credit card brands offer extensive buyer’s protection and insurance, resulting in higher conversions for online businesses. Accepting payments through credit cards allows you to sell to customers all over the world. Mollie supports all the world’s leading credit card brands, including Visa, Mastercard, and American Express.

PayPal

With PayPal, customers pay using their PayPal account. They can also use PayPal as a wallet, storing their cards for purchases. 

• Type: E-wallet

• Countries: Global

• Business model: Ecommerce, marketplaces

• Recurring payments: Yes

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: Yes

The world’s most used online wallet, PayPal can be used as a payment method in more than 200 countries. Customers can add credit to their PayPal account or connect it to their credit card or bank account.

When using it to pay, the customer logs in and authorises the payment using their email address and password. This means that they don’t need to share any other personal or financial details. Payments can also be made through a smartphone or tablet, which allows customers to pay anywhere with ease.

Customers can reimburse the purchase amount if they don’t receive an item or if they receive an item that doesn’t fit the description. Sellers are protected against receiving fraudulent payments and false claims of products not being delivered. This all helps PayPal act as a safe and easy way for customers to make online payments that protect the buyer and seller.

PayPal is also quickly expanding beyond webshops to ticket-buying platforms, travel agencies and marketplaces. It can also be used to receive recurring payments for subscription customers.

SEPA Bank Transfer

SEPA Bank Transfer is a secure European cross-border payment method available in 34 countries.

• Type: Bank transfer

• Countries: Europe wide

• Business model: Ecommerce, SaaS, subscriptions, marketplaces

• Recurring payments: No

• Refunds: Yes

• Partial refunds: No

• Chargebacks: Yes

The Single Euro Payments Area (SEPA) was introduced by the European Council to streamline the structure of European payments. With SEPA, transfers can be done from any European checking account to any other European checking account. It offers a familiar and safe way for customers to pay online – using their trusted online banking environment to transfer money. It is especially popular in the Netherlands, Belgium, France, Germany, and Poland.

The EU developed SEPA and implemented the adoption of consistent and uniform bank account numbers called IBAN. This allows for the quick processing of transfers and equal costs for bank transfers across borders, allowing merchants to receive payments from customers all over Europe. Customers benefit from widespread availability, quick payment processing and low transaction costs. Payments are usually settled within 1-3 business days.

SEPA Direct Debit

SEPA Direct Debit is a European payment method offering one-off and recurring transactions.

• Type: Direct Debit

• Countries: Europe wide

• Business model: SaaS, subscription

• Recurring payments: Yes

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: Yes

SEPA Direct Debit makes it possible to collect recurring payments – including subscription fees or monthly payments – easily. It also makes it easy for creditors to collect funds from a payer’s accounts, such as for one-click payments and amounts due in instalments. All of this is possible throughout 36 European countries, making it a powerful tool for subscription businesses operating around Europe.

To collect recurring funds using SEPA Direct Debit, a customer needs to provide a signed mandate. With Mollie, mandates can be signed through iDEAL, Belfius, credit card, Bancontact, SOFORT Banking, and the KBC/CBC Payment Button. SEPA Direct Debit is widely used in Germany and the Netherlands.

Klarna

Klarna offers a streamlined checkout experience that combines all of Klarna's payment methods into a single, user-friendly option, offering consumers flexibility and convenience.

• Type: Mobile payments, buy now, pay later (BNPL)

• Relevant countries: Global (available in countries where Klarna operates)

• Business model: Ecommerce, SaaS, subscription, marketplaces

• Recurring payments: Yes

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: Yes

Customers can easily access all of Klarna's payment options through a single click at checkout, including:

• Klarna: Pay Later – Allows customers to settle their invoice up to 30 days after purchase, providing them with flexibility and improving customer experience. This option is available in select European countries such as the Netherlands, Austria, Germany, Belgium, and Finland.

• Klarna: Slice It – Offers customers the ability to pay in installments over a period of 3 to 36 months, making larger purchases more manageable. This option is available globally and is ideal for customers looking to spread the cost of their purchases.

• Klarna: Pay Now – A secure method where customers can make instant payments via direct debit or bank transfer. This option is available in countries including the Netherlands, Belgium, Germany, Austria, and Finland, and is suitable for one-off transactions.

• Klarna: Pay in 3 – Enables customers to pay in three equal, interest-free instalments over 60 days. This option is available globally and supports payments using VISA, Mastercard, and Direct Debit.

This approach simplifies the user experience, making it easier for consumers to choose their preferred payment method while improving conversion rates for merchants. It also offers businesses protection against non-payment risk, ensuring they receive payments promptly.

iDEAL

iDEAL is a guaranteed online bank transfer payment option supported by all major Dutch consumer banks.

• Type: Bank transfer

• Relevant countries: Netherlands

• Business model: Ecommerce, SaaS, subscriptions, marketplaces

• Recurring payments: Yes, via the SEPA Direct Debit scheme

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: No

iDEAL is the most popular payment method in the Netherlands – Around 70% of Dutch online shoppers use iDEAL frequently. It is a trusted, secure and convenient way for shoppers to pay online. Customers transfer money directly from their bank account, guaranteeing a successful payment that can’t be reversed by the customer. The customer’s bank guarantees that the transaction is secure.

Customers can also safely pay using QR-codes and payment requests shared through an invoice, WhatsApp, or SMS. With Mollie, you can start receiving iDEAL payments within 10 minutes, and you only pay for successful transactions.

Bancontact

Bancontact is the most popular payment option for online and point-of-sale purchases in Belgium.

• Type: Bank Transfer 

• Countries: Belgium

• Business model: Ecommerce, Saas, subscription, marketplaces

• Recurring payments: Yes

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: No

Bancontact processes more than 150,000 transactions a day, making it the most used payment method in Belgium. In addition to online payments, it offers a wide variety of payment services such as in-store card transactions. This means Bancontact is a well-known, trusted, and growing payment method.

By offering Bancontact as a payment method, you can take advantage of this growing user base. Bancontact payments are guaranteed, confirmed immediately, and always protected by 3D-secure technology. In 2015, Bancontact introduced an app that makes paying online even easier.

Riverty 

Riverty is a European buy now, pay later (BNPL) payment method, offering customers flexible payment options while managing financial risk and dunning processes for businesses.

• Type: Buy now, pay later (BNPL)

• Relevant countries: The Netherlands, Belgium, Germany, Austria

• Business model: Ecommerce, SaaS, subscription, marketplaces

• Recurring payments: No

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: Yes

Riverty offers consumers to pay up to 30 days later, making purchases more accessible while ensuring businesses are protected from financial risk. By handling consumer risk and dunning processes, Riverty lets merchants focus on their core business, improving the overall customer experience and boosting sales.

Trustly

Trustly is a European leader in Open Banking, offering an account-to-account payment platform that allows consumers to pay businesses directly from their bank accounts.

• Type: Account-to-account payments

• Relevant countries: EU, currently limited to AT, DE, NL, EE, ES, FI, LT, LV

• Business model: Ecommerce, SaaS, subscription, marketplaces

• Recurring payments: No

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: Yes

Trustly provides a fast and secure way for consumers to make payments directly from their bank accounts, eliminating the need for cards or intermediaries. This method benefits businesses by reducing transaction costs and offering a reliable payment solution while giving consumers a seamless and straightforward payment experience.

KBC/CBC Button Payment

KBC/CBC is a payment method for two of Belgium’s largest banks and reaches millions of Belgian shoppers.

• Type: Bank transfer

• Countries: Belgian

• Business model: Ecommerce, marketplaces

• Recurring payments: No

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: No

The KBC/CBC Payment Button is an online payment method for customers of the KBC and CBC. When customers pay through the KBC/CBC Payment Button, they transfer the payment directly from their own trusted online banking environment.

A secure and guaranteed payment method, it allows users to pay amounts between 50 and 1,250 euro up to two months later, which drives conversions. Customers can choose when the amount is withdrawn from their accounts, but merchants are credited instantly. As a merchant, you’ll receive the full amount as KBC/CBC pre-finances the amount due on behalf of the customer.

Belfius Pay Button

Belfius is one of Belgium’s largest banks and enables its customers to make real-time payments in their trusted online banking environment.

• Type: Bank transfer

• Countries: Belgium

• Business model: Ecommerce, marketplaces

• Recurring payments: No

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: No

Belfius is one of Belgium’s biggest banks and provides its customers with its own online payment method, the Belfius Pay Button. Customers can use it to transfer payments directly from Belfius’s online banking environment or smartphone app. Payments are guaranteed and can’t be reversed by the customer, so merchants can process orders as soon as the payment is authorised. It is a vital addition to your checkout if you’re based in or looking to expand to Belgium.

Satispay 

Satispay is an innovative mobile payment platform from Italy that allows consumers to make secure, real-time payments directly from their bank accounts without the need for credit or debit cards.

• Type: Mobile payments

• Relevant countries: Italy, expanding across Europe

• Business model: Ecommerce, SaaS, subscription, marketplaces

• Recurring payments: No

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: No

Satispay provides a seamless and cost-effective payment solution, allowing users to pay at physical stores, online shops, or transfer money to friends. It’s known for its simplicity and direct connection to bank accounts, bypassing traditional payment networks. Merchants benefit from lower transaction fees, and consumers enjoy the ease of managing their spending through the Satispay app, enhancing the overall shopping experience.

Blik

Blik is a mobile payment system that allows consumers to pay in-store and online, deposit and withdraw money from their Blik account, and send money to others.

• Type: Bank transfer

• Relevant countries: Poland

• Business model: Ecommerce

• Recurring payments: No

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: Yes, with the corresponding bank

BLIK is a unique mobile payment service and Poland's most popular payment method. It is embedded in banking applications and available to more than 90% of all Polish consumers. It's a must-have local payment method for businesses operating in Poland.

TWINT

TWINT, Switzerland’s most popular mobile payment method, allows users to connect their bank account or cards and the TWINT app to make secure online and in-person payments.

• Type: Mobile payments

• Relevant countries: Switzerland

• Business model: Ecommerce, SaaS, subscription, marketplaces

• Recurring payments: Yes

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: Yes

With over five million active users, TWINT is the leading payment app in Switzerland. More than half of the Swiss population regularly uses the TWINT app. Users can pay through the app or online platform using their mobile phone. They confirm payments through text messages or QR codes, and businesses receive the money as soon as a transaction is authorised.

BANCOMAT Pay

Bancomat Pay is a widely-used mobile payment service in Italy, allowing users to connect their bank accounts to the Bancomat Pay app for secure online and in-person payments.

• Type: Mobile payments

• Relevant countries: Italy

• Business model: Ecommerce, SaaS, subscription, marketplaces

• Recurring payments: Yes

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: Yes

Bancomat Pay uses the extensive Bancomat and PagoBANCOMAT networks, offering users a seamless and secure payment experience across a wide range of merchants and services. Users can confirm payments via the app, with funds transferred instantly upon authorization.

iDEAL in3 

iDEAL in3 is a popular payment method in the Netherlands that allows users to split their online purchases into three equal installments over 60 says without any interest or fees.

• Type: Installment payments

• Relevant countries: Netherlands

• Business model: Ecommerce, SaaS, subscription, marketplaces

• Recurring payments: No

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: Yes

iDEAL in3 is widely accepted across various online stores in the Netherlands. Users can choose the in3 option at checkout, making it easier to manage larger purchases by spreading the cost over three payments. The first installment is paid at the time of purchase, with the remaining two paid over the following months.

Cartes Bancaires

Cartes Bancaires is France’s local card scheme and the most widely used payment method in France.

• Type: Local card scheme 

• Countries: France

• Business model: Ecommerce, SaaS, subscription, marketplaces

• Recurring payments: Yes

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: Yes

With more than 70 million cards in circulation, offering Cartes Bancaires in France is crucial to selling online in the country. Almost all of the cards are co-branded with Visa. Using it works the same as paying with other credit cards: customers fill in their card details and authorise the payment. Customers pay for their purchases later, but you don’t have to wait to receive the funds.

Though payments aren’t guaranteed, this increased customer confidence can boost conversions. Customers paying with Cartes Bancaires must verify the payment with 3D-secure, lowering the chances of fraudulent payments.

EPS

Developed by Austrian banks, EPS is the main bank transfer payment method in Austria.

• Type: Bank Transfer

• Countries: Austria

• Business model: Ecommerce, SaaS, subscription, marketplaces

• Recurring payments: Yes

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: No

The Electronic Payment Standard (EPS) is a highly popular payment method with Austrian shoppers. Trust is of high importance to the country’s consumers, so EPS’s position as an initiative of Austrian banks and Government help make it more trusted. More than 80% of online merchants in Austria offer EPS, and it is a must-have if you’re planning to sell in the country. EPS is a guaranteed payment method; the customer cannot reverse the transaction.

Przelewy24

Przelewy24 (P24) is the most popular payment method in Poland, with support from all of the country’s major banks.

• Type: Bank Transfer

• Countries: Poland

• Business model: Ecommerce, marketplaces

• Recurring payments: No

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: No

Bank transfer is the most popular way to pay online in Poland: 80-90% of online payments are made using a form of bank transfer. To facilitate this for as many customers as possible, Przelewy24 provides support for 165 Polish banks. It also supports international credit cards and various other payment methods, including SMS payments.

Payments using Przelewy24 are guaranteed and confirmed immediately, which means the consumer can’t reverse them. P24 payments are also securely authenticated using 3D-secure. With P24 activated, you can accept BLIK, credit cards, Apple Pay, and other Polish payment methods.

PostePay

PostePay is a prepaid card co-branded with Visa or Mastercard. It can be used in-person or virtually stored in an e-wallet. 

• Type: Pre-paid card

• Countries: Italy

• Business model: Ecommerce, SaaS, subscription, marketplaces

• Recurring payments: Yes

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: No

PostePay is a prepaid card service that is co-branded with VISA and Mastercard. There are millions of these prepaid cards in circulation. Like with a credit or a debit card, the payment is instantaneous, though consumers can request a chargeback. Offering the Postepay payment method will allow you to expand your business and offer services and products throughout Italy.

B2B Buy now, pay later (BNPL)

Businesses can use buy now, pay later to purchase goods and pay at a later date. Billie and in3 Business are examples of B2B BNPL providers.

in3 Business   

in3 Business is a payment method operated by in3 and Rabobank, allowing businesses to pay for purchases in three installments without any interest or additional costs.

• Type: Installment payments

• Relevant countries: Netherlands

• Business model: Ecommerce, B2B, marketplaces

• Recurring payments: No

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: Yes

in3 Business offers companies the flexibility to spread payments over three installments, making it easier to manage cash flow without incurring interest or extra fees. This payment method supports business purchases, providing a convenient and cost-effective solution for managing expenses.

Billie

Billie is a leading European B2B buy now‚ pay later payment method. With Billie, business buyers get flexible payment terms while merchants receive a guaranteed payout.

• Type: B2B buy now, pay later (BNPL)

• Relevant countries: Germany, Austria, Netherlands, France, Sweden 

• Business model: Ecommerce, SaaS, subscription, marketplaces

• Recurring payments: Yes

• Refunds: Yes

• Partial refunds: Yes

• Chargebacks: Yes

Billie allows businesses to offer their customers the option to pay for purchases in installments or after delivery, improving customer satisfaction and conversion rates. It is particularly popular among B2B companies, providing them with tools to manage payment terms, risk, and collections efficiently.