Onboarding
This is the most immediate difference. Payone operates like a traditional bank, and their onboarding process follows traditional banking compliance protocols. You may be required to submit physical copies of your commercial registry extract (Handelsregisterauszug) and tax IDs before your account is manually reviewed. This process can take days or weeks.
Mollie is built for speed. Our automated onboarding checks allow you to upload your documents digitally and get approved in hours, not weeks.
Pricing & transparency: Payone vs Mollie fees
Payone uses traditional pricing models:
Quotes often include one-time setup fees (starting from €49 to €199) and monthly maintenance fees.
Standard contracts typically include a 12 to 24-month term. If you want to leave, you often need to provide notice.
Fraud protection and analytics often incur additional costs.
Mollie uses a transparent pricing structure.
No startup fees
No monthly subscription for standard accounts.
No lock-in contracts. You stay because you choose to, not because you signed a binding contract.
Integrations
If you are weighing up Mollie vs Payone for ecommerce, your developers will likely have a preference. To put it simply, your developers (or your agency) will thank you for choosing Mollie.
Payone offers robust plugins for traditional systems like Magento and Shopware. However, for modern SaaS platforms like Shopify, their integration often relies on a "Hosted Checkout Page." This means your customers are redirected away from your website to a Payone URL to pay, which can impact conversion rates.
Mollie offers native, plug-and-play integrations.
We offer a fully integrated Shopify experience.
We have first-party support for Wix, BigCommerce, and Sylius – platforms that Payone often lacks native support for.
Our API is open-source and widely regarded as the industry standard for clarity.
European focus
Accepting Visa and Mastercard is the standard baseline. To sell in Europe, you need to offer the payment methods locals actually trust.
Payone covers the global basics well and supports DACH-specific methods like Giropay.
Mollie specialises in offering local European payment methods. From iDEAL | Wero in the Netherlands and Bancontact in Belgium, to Cartes Bancaires in France and TWINT in Switzerland, we ensure you look like a local business in every market.
