Mollie vs. Flatpay: Which one is better for your business?

Customer support 

Flatpay offers 24/7 support via phone and email, which is excellent if you need to troubleshoot a hardware issue on the weekend. Their human-centric model relies on accessibility, ensuring someone is always there to answer the phone for basic troubleshooting or payment processing queries.

Mollie takes a more strategic, localised approach. Our support teams are based across Europe, meaning you speak to experts who understand the nuances of your specific region – whether that’s German tax regulations or French consumer preferences. For volume merchants, we provide dedicated Customer Success Managers (CSMs) who proactively help you optimise your checkout flow to boost revenue and reduce false declines. 

Pricing & transparency 

Flatpay offers a 0.99% flat rate for European cards and 1.99% for non-EU and corporate cards; plus, their terminals are marketed with no upfront rental. Their goal is to simplify the decision-making process for busy business owners through in-person demos. However, the hardware terms are conditional. If your terminal processes less than €1,300 (including VAT) per month, you are charged a fee of €50 per terminal per month. For seasonal businesses or those with fluctuating footfall, this can lead to unexpected monthly liabilities.

At Mollie, we don’t view payments as a low-cost commodity, but as a growth lever. We believe your provider should scale with you, not specialise in fixed-cost traps.

• Operational clarity: No monthly maintenance fees for standard online accounts.

• No locked doors: While we offer tailored contracts for larger upmarket partners, our standard offering is built on transparency. We earn your business’s trust every month through performance and product depth, providing an agile alternative to the traditional three-year legal commitment.

European focus

Flatpay is a regional acquirer focused on delivering simple card acceptance across selected European markets. Their model is built for simplicity, but that simplicity can be limiting if you want to grow.

Mollie helps you scale in Europe by offering the exact local and alternative payment methods your customers trust – whether that’s iDEAL | Wero in the Netherlands, Bancontact in Belgium, or PayPal and Klarna in Germany. We optimise your checkout flow to reduce abandoned carts and fix the engine of your conversion strategy.

Integration & ease of use 

Flatpay relies on a high-touch sales model to get you up and running. While this supports a quick initial setup, the integration depth for wider business operations is focused on their specific hardware ecosystem.

Mollie is a product-led platform. Our API-first approach means we integrate deeply with the software you already use, from accounting tools to ERPs. For small and medium businesses, our 30+ in-house maintained plugins (like WooCommerce or Magento) allow you to develop a sophisticated, multi-channel payment strategy.

Checkout experience & conversion

Flatpay provides a functional online payment window that covers the basics: standard cards and a handful of local wallets, such as MobilePay and Vipps. It is a straightforward tool for businesses that simply need to accept online payments.

Mollie Checkout is built as a conversion engine. Our checkout doesn’t just list payment methods; it intelligently displays the ones your customers trust most based on their location and device. We offer:

• One-click payments for returning customers to remove friction.

• Pre-built, battle-tested UI components that match your brand’s look and feel.

• Smart retries: If a payment fails, we make it easy for the customer to try again with a different method, such as payment links or QR codes, without restarting the process.

• Localisation as standard: From language to the specific mix of 20+ European payment methods, every detail is tuned to turn visitors into buyers.