A quick guide to payments for startups

Get your startup payments right from day one. Join the Mollie Startup Program for access to payment solutions for every type of business model.

Get your startup payments right from day one. Join the Mollie Startup Program for access to payment solutions for every type of business model.

Dec 15, 2025

Getting payments right is one of the most important steps in every startup’s journey. It’s the moment your idea turns into a business.

Whether you're setting up for your very first customer or you’re scaling fast, the challenge is the same: you need a fast startup payments solution that’s built for where your business is heading.

The good news is, you’ve come to the right place. 

This guide will help you understand the different payment needs for your specific business model so that you can build the perfect Mollie payments experience from day one.

Payments built for your business

Your business model is unique. Your payment solution should be too. 

We’ve helped over 250,000 European businesses with their payments, and here’s how we can help you, based on your business model:

If you’re selling directly to consumers…

This is the classic online store, and making it easy for customers to buy is everything. We give you the flexibility to build the perfect experience.

How you accept payments: You want a seamless checkout experience on your website, via email, or even over the phone.

Your toolkit with Mollie:

  • Use our pre-built Checkout to offer over 35 local and global payment methods with no code.

  • For a fully branded experience, use our API to build a custom checkout.

  • Send a simple Payment Link in an email or a chat message to close a sale instantly.

  • Take payments in-person with our Terminal or Tap to Pay solutions.

  • Boost your conversion rates with intelligent card routing for higher acceptance rates of all major business credit cards (Visa, Mastercard, AMEx, etc),

  • Our unified commerce approach means all online sales and in-person payments are handled through one dashboard, simplifying the entire process.

If you’re a Subscription business… 

Predictable revenue is your lifeblood. Your focus is on acquiring customers and reducing churn, and your payments should make that easier, not harder.

  • How you accept payments: You need to bill customers automatically on a recurring basis and manage invoices effortlessly.

  • Your toolkit with Mollie:

    • All the tools for selling to consumers, plus our powerful Recurring billing engine.

    • It helps you automate subscriptions and reduce failed payments, so you can protect your revenue and focus on growth.

If you’re building a Marketplace or Platform… 

Your success depends on creating a smooth system for the sellers, restaurants, or service providers who use your platform. You need to onboard them, split payments, and get them paid, all while monetising your platform.

  • How you accept payments: You need to onboard sellers, split funds between multiple people, and allow your users to accept payments from their own customers.

  • Your toolkit with Mollie:

    • Mollie Connect is our complete payment solution for marketplaces and platforms.

    • Onboard sellers in minutes, not weeks, across Europe.

    • Automatically split payments between you and your sellers for every transaction. No manual payouts or reconciliation headaches.

    • Monetise your platform by setting your own transaction rates for your customers.

Ensure payment security with Mollie

Your ongoing success as a business is built on trust, but we know how complex payments can get, especially in Europe. That’s why we handle all the complex PSD2, PCI-DSS compliance, and fraud monitoring so you can focus 100% on building your product, rather than dealing with regulatory liability yourself. "

Getting payments right is one of the most important steps in every startup’s journey. It’s the moment your idea turns into a business.

Whether you're setting up for your very first customer or you’re scaling fast, the challenge is the same: you need a fast startup payments solution that’s built for where your business is heading.

The good news is, you’ve come to the right place. 

This guide will help you understand the different payment needs for your specific business model so that you can build the perfect Mollie payments experience from day one.

Payments built for your business

Your business model is unique. Your payment solution should be too. 

We’ve helped over 250,000 European businesses with their payments, and here’s how we can help you, based on your business model:

If you’re selling directly to consumers…

This is the classic online store, and making it easy for customers to buy is everything. We give you the flexibility to build the perfect experience.

How you accept payments: You want a seamless checkout experience on your website, via email, or even over the phone.

Your toolkit with Mollie:

  • Use our pre-built Checkout to offer over 35 local and global payment methods with no code.

  • For a fully branded experience, use our API to build a custom checkout.

  • Send a simple Payment Link in an email or a chat message to close a sale instantly.

  • Take payments in-person with our Terminal or Tap to Pay solutions.

  • Boost your conversion rates with intelligent card routing for higher acceptance rates of all major business credit cards (Visa, Mastercard, AMEx, etc),

  • Our unified commerce approach means all online sales and in-person payments are handled through one dashboard, simplifying the entire process.

If you’re a Subscription business… 

Predictable revenue is your lifeblood. Your focus is on acquiring customers and reducing churn, and your payments should make that easier, not harder.

  • How you accept payments: You need to bill customers automatically on a recurring basis and manage invoices effortlessly.

  • Your toolkit with Mollie:

    • All the tools for selling to consumers, plus our powerful Recurring billing engine.

    • It helps you automate subscriptions and reduce failed payments, so you can protect your revenue and focus on growth.

If you’re building a Marketplace or Platform… 

Your success depends on creating a smooth system for the sellers, restaurants, or service providers who use your platform. You need to onboard them, split payments, and get them paid, all while monetising your platform.

  • How you accept payments: You need to onboard sellers, split funds between multiple people, and allow your users to accept payments from their own customers.

  • Your toolkit with Mollie:

    • Mollie Connect is our complete payment solution for marketplaces and platforms.

    • Onboard sellers in minutes, not weeks, across Europe.

    • Automatically split payments between you and your sellers for every transaction. No manual payouts or reconciliation headaches.

    • Monetise your platform by setting your own transaction rates for your customers.

Ensure payment security with Mollie

Your ongoing success as a business is built on trust, but we know how complex payments can get, especially in Europe. That’s why we handle all the complex PSD2, PCI-DSS compliance, and fraud monitoring so you can focus 100% on building your product, rather than dealing with regulatory liability yourself. "

Getting payments right is one of the most important steps in every startup’s journey. It’s the moment your idea turns into a business.

Whether you're setting up for your very first customer or you’re scaling fast, the challenge is the same: you need a fast startup payments solution that’s built for where your business is heading.

The good news is, you’ve come to the right place. 

This guide will help you understand the different payment needs for your specific business model so that you can build the perfect Mollie payments experience from day one.

Payments built for your business

Your business model is unique. Your payment solution should be too. 

We’ve helped over 250,000 European businesses with their payments, and here’s how we can help you, based on your business model:

If you’re selling directly to consumers…

This is the classic online store, and making it easy for customers to buy is everything. We give you the flexibility to build the perfect experience.

How you accept payments: You want a seamless checkout experience on your website, via email, or even over the phone.

Your toolkit with Mollie:

  • Use our pre-built Checkout to offer over 35 local and global payment methods with no code.

  • For a fully branded experience, use our API to build a custom checkout.

  • Send a simple Payment Link in an email or a chat message to close a sale instantly.

  • Take payments in-person with our Terminal or Tap to Pay solutions.

  • Boost your conversion rates with intelligent card routing for higher acceptance rates of all major business credit cards (Visa, Mastercard, AMEx, etc),

  • Our unified commerce approach means all online sales and in-person payments are handled through one dashboard, simplifying the entire process.

If you’re a Subscription business… 

Predictable revenue is your lifeblood. Your focus is on acquiring customers and reducing churn, and your payments should make that easier, not harder.

  • How you accept payments: You need to bill customers automatically on a recurring basis and manage invoices effortlessly.

  • Your toolkit with Mollie:

    • All the tools for selling to consumers, plus our powerful Recurring billing engine.

    • It helps you automate subscriptions and reduce failed payments, so you can protect your revenue and focus on growth.

If you’re building a Marketplace or Platform… 

Your success depends on creating a smooth system for the sellers, restaurants, or service providers who use your platform. You need to onboard them, split payments, and get them paid, all while monetising your platform.

  • How you accept payments: You need to onboard sellers, split funds between multiple people, and allow your users to accept payments from their own customers.

  • Your toolkit with Mollie:

    • Mollie Connect is our complete payment solution for marketplaces and platforms.

    • Onboard sellers in minutes, not weeks, across Europe.

    • Automatically split payments between you and your sellers for every transaction. No manual payouts or reconciliation headaches.

    • Monetise your platform by setting your own transaction rates for your customers.

Ensure payment security with Mollie

Your ongoing success as a business is built on trust, but we know how complex payments can get, especially in Europe. That’s why we handle all the complex PSD2, PCI-DSS compliance, and fraud monitoring so you can focus 100% on building your product, rather than dealing with regulatory liability yourself. "

Getting payments right is one of the most important steps in every startup’s journey. It’s the moment your idea turns into a business.

Whether you're setting up for your very first customer or you’re scaling fast, the challenge is the same: you need a fast startup payments solution that’s built for where your business is heading.

The good news is, you’ve come to the right place. 

This guide will help you understand the different payment needs for your specific business model so that you can build the perfect Mollie payments experience from day one.

Payments built for your business

Your business model is unique. Your payment solution should be too. 

We’ve helped over 250,000 European businesses with their payments, and here’s how we can help you, based on your business model:

If you’re selling directly to consumers…

This is the classic online store, and making it easy for customers to buy is everything. We give you the flexibility to build the perfect experience.

How you accept payments: You want a seamless checkout experience on your website, via email, or even over the phone.

Your toolkit with Mollie:

  • Use our pre-built Checkout to offer over 35 local and global payment methods with no code.

  • For a fully branded experience, use our API to build a custom checkout.

  • Send a simple Payment Link in an email or a chat message to close a sale instantly.

  • Take payments in-person with our Terminal or Tap to Pay solutions.

  • Boost your conversion rates with intelligent card routing for higher acceptance rates of all major business credit cards (Visa, Mastercard, AMEx, etc),

  • Our unified commerce approach means all online sales and in-person payments are handled through one dashboard, simplifying the entire process.

If you’re a Subscription business… 

Predictable revenue is your lifeblood. Your focus is on acquiring customers and reducing churn, and your payments should make that easier, not harder.

  • How you accept payments: You need to bill customers automatically on a recurring basis and manage invoices effortlessly.

  • Your toolkit with Mollie:

    • All the tools for selling to consumers, plus our powerful Recurring billing engine.

    • It helps you automate subscriptions and reduce failed payments, so you can protect your revenue and focus on growth.

If you’re building a Marketplace or Platform… 

Your success depends on creating a smooth system for the sellers, restaurants, or service providers who use your platform. You need to onboard them, split payments, and get them paid, all while monetising your platform.

  • How you accept payments: You need to onboard sellers, split funds between multiple people, and allow your users to accept payments from their own customers.

  • Your toolkit with Mollie:

    • Mollie Connect is our complete payment solution for marketplaces and platforms.

    • Onboard sellers in minutes, not weeks, across Europe.

    • Automatically split payments between you and your sellers for every transaction. No manual payouts or reconciliation headaches.

    • Monetise your platform by setting your own transaction rates for your customers.

Ensure payment security with Mollie

Your ongoing success as a business is built on trust, but we know how complex payments can get, especially in Europe. That’s why we handle all the complex PSD2, PCI-DSS compliance, and fraud monitoring so you can focus 100% on building your product, rather than dealing with regulatory liability yourself. "

Your focus is growth. Let us handle the payments.

Choosing a payment provider should be a strategic one. 

You should be looking for a partner who understands the European landscape, answers the phone when you call, and provides simple, powerful solutions that work for your business model. 

Ready for a payments partner that grows with you? 

Explore the Mollie Startup Program

Choosing a payment provider should be a strategic one. 

You should be looking for a partner who understands the European landscape, answers the phone when you call, and provides simple, powerful solutions that work for your business model. 

Ready for a payments partner that grows with you? 

Explore the Mollie Startup Program

Choosing a payment provider should be a strategic one. 

You should be looking for a partner who understands the European landscape, answers the phone when you call, and provides simple, powerful solutions that work for your business model. 

Ready for a payments partner that grows with you? 

Explore the Mollie Startup Program

Choosing a payment provider should be a strategic one. 

You should be looking for a partner who understands the European landscape, answers the phone when you call, and provides simple, powerful solutions that work for your business model. 

Ready for a payments partner that grows with you? 

Explore the Mollie Startup Program

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Table of contents

Table of contents

Table of contents

Table of contents

MollieGrowthA quick guide to payments for startups
MollieGrowthA quick guide to payments for startups
MollieGrowthA quick guide to payments for startups
MollieGrowthA quick guide to payments for startups