If you're building a SaaS in Europe, you've probably defaulted to Stripe. Everyone uses it, right?
But after researching payment options for EU customers, I found out Mollie might be the better choice in some cases.
Stripe
Pros:
- Global, works everywhere
- Huge documentation
- Everyone knows it
Cons:
- 1.5% + €0.25 for EU cards (higher for non-EU)
- Some local payment methods missing
- US-first mentality
Mollie
Pros:
- Built for Europe
- iDEAL, Bancontact, SOFORT, Giropay out of the box
- 1.8% + €0.25 but often cheaper for local methods
- No monthly fees
Cons:
- Less known outside EU
- Smaller ecosystem
When to use what?
| Situation | Best choice |
|---|---|
| Global audience | Stripe |
| EU-focused SaaS | Mollie (or both) |
| Netherlands, Belgium, Germany | Mollie wins |
| You want one solution worldwide | Stripe |
My take
If your customers are mostly European, start with Mollie. You can always add Stripe later.
If you're going global from day one, Stripe is safer.
Or do both. It's more work, but you cover everyone.
What payment processor do you use for your EU SaaS? Curious to hear what others picked.
Top comments (0)