OCTIS vs Mollie vs Stripe vs Adyen for Dutch online payments
iDEAL, card and Bancontact fees, payout rules and setup costs for a Dutch webshop.
Last checked · 3 sources
Otty's short answer
For a typical Dutch shop, iDEAL is the main cost: €0.29 at Stripe, €0.32 at Mollie and $0.13 plus €0.22 at Adyen. Stripe lists the lowest standard EEA card rate (1.5% plus €0.25 against Mollie's 1.8% plus €0.25). Adyen uses interchange-plus pricing and suits higher volumes with a sales conversation. None lists a monthly fee for online payments.
Side by side
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| What matters | OCTISHong Kong company + OCTIS global plan | Mollie | Stripe | Adyen |
|---|---|---|---|---|
| iDEAL per payment | Set by our licensed partner; quoted before you commit | €0.32 | €0.29 | $0.13 + €0.22 |
| EEA consumer card | Set by our licensed partner; quoted before you commit | 1.80% + €0.25 | 1.5% + €0.25 | Interchange++ + 0.60% + $0.13 |
| EEA commercial card | Set by our licensed partner; quoted before you commit | 2.90% + €0.25 | Not stated on page | Interchange++ + 0.60% + $0.13 |
| Non-EEA card | Set by our licensed partner; quoted before you commit | 3.25% + €0.25 | Not stated on page | Interchange++ + 0.60% + $0.13 |
| Bancontact | Set by our licensed partner; quoted before you commit | 1.40% + €0.25 | Separate page | Not listed on page |
| Monthly fee (online) | 10–30% below your current bill | None listed | None | None |
| Setup fee | Set by our licensed partner; quoted before you commit | None stated | None | None |
| Payout schedule | Collect payments via licensed partners | Daily, weekly or monthly | Daily, weekly or monthly | Not stated on page |
| Payout fee | Set by our licensed partner; quoted before you commit | 5 free a month, then €0.25 | Instant payout 1%, min €0.50 | Not stated on page |
| Contract | 30-day money-back guarantee, terms apply | No fixed term | No fixed term stated | Minimum invoice via sales |
| In-person terminals | Not an OCTIS product | Pay as you go €0, Pro €20 | Not covered on page | Not covered on page |
If you have staff, premises or local sales in this country, its own registration and tax rules still apply. OCTIS can help you arrange them.
Data sources & disclaimer: Comparison data was compiled from publicly available sources — including the competitors' own published pricing and feature pages — captured on 9 November 2026. Figures reflect the typical or advertised pricing at that time and may have changed since; plans, inclusions and prices vary by provider, region and promotion. OCTIS is independent and not affiliated with the named companies; all trademarks belong to their respective owners. This comparison is provided in good faith for general information only and is not professional, legal or financial advice — please verify current details with each provider before deciding.
Which one fits you
OCTIS · Hong Kong company + OCTIS global plan
Choose OCTIS if you want payments collected and sent next to your accounts, CRM and company, across several countries.
Mollie
Choose Mollie if you want clear Dutch-focused pricing, no fixed contract and in-person terminals from the same provider.
Stripe
Choose Stripe if you want the lowest listed iDEAL and standard EEA card price and no setup or monthly fee.
Adyen
Choose Adyen if your volume is high and you want interchange-plus pricing with a sales-led setup.
What the table does not show
Why iDEAL decides the cost
Dutch shoppers pay mostly by iDEAL, so a few cents per payment add up. On a €50 order, the iDEAL fee is about 0.6% at Stripe and Mollie. Card fees depend on the card: Mollie lists 1.80% for EEA consumer cards and 3.25% for non-EEA cards, so shops that sell abroad should model their mix.
Adyen's pricing model
Adyen charges a fixed processing fee (listed as $0.13) plus a fee by payment method. For Mastercard and Visa it lists interchange plus 0.60%, where the interchange part varies with the card. It says there are no monthly, setup, integration or closure fees, and a minimum invoice is discussed with sales. That model rewards volume and is harder to predict by hand.
Payout and cash flow
Mollie lets you pick daily, weekly or monthly payouts and includes five payouts a month before €0.25 each. Stripe offers instant payouts within minutes for 1% with a €0.50 minimum, and does not state a standard timeline on its pricing page. Check payout timing in each dashboard, since it affects working capital more than a cent of fee.
Where OCTIS fits
OCTIS is not a payment provider and holds no money. If your Malaysian or Hong Kong company sells online to Dutch customers, payouts from any of these land in a bank account and need reconciling. OCTIS bookkeeping can match those payouts to orders for the home company, and a quote can show 10–30% off your current bill.
Frequently asked questions
What does iDEAL cost per transaction?
Stripe lists €0.29 per iDEAL payment, Mollie €0.32 (Wero costs the same in the Netherlands), and Adyen $0.13 plus €0.22. Prices are on each provider's pricing page and can change, so check before launch.
Which is cheapest for card payments in the Netherlands?
For standard EEA cards Stripe lists 1.5% plus €0.25 and Mollie 1.80% plus €0.25 for consumer cards. Adyen quotes interchange plus 0.60% plus $0.13, so the total depends on the card. Commercial and non-EEA cards cost more at Mollie.
Do Mollie, Stripe and Adyen have monthly fees?
None lists a monthly fee for online payments. Mollie charges €20 per month per terminal on its Pro in-person plan, and €0 on Pay as you go. Adyen says it has no monthly, setup, integration or closure fees.
Does Mollie tie me to a fixed contract?
Mollie's page says there is no fixed contract term. Stripe says there are no startup costs or hidden fees. Adyen handles contract terms through its sales team, so ask for the written terms.
Sources
Checked on the date above. Links open the provider's or regulator's own page.