Mollie vs GoCardless
Both Mollie and GoCardless are European-built, GDPR-compliant solutions in the payment processing space. This comparison breaks down their features, pricing, compliance posture, and data residency so you can make an informed choice for your team.
Quick Overview
Mollie
EU- Headquarters
- Amsterdam, NL
- Pricing
- Per-transaction
- Open Source
- No
GoCardless
EU- Headquarters
- London, GB
- Pricing
- Per-transaction
- Open Source
- No
Key Differences
- Data residency differs: Mollie hosts data in Netherlands, EU, while GoCardless hosts in GB, EU. If your organisation requires data to stay in a specific EU country, this distinction matters for compliance.
- Mollie holds ISO 27001 certification, providing third-party assurance of its security practices. GoCardless does not currently hold these certifications, which may matter if your organisation requires them for vendor approval.
- Mollie was founded in 2004, giving it a 7-year head start over GoCardless (founded 2011). More time in market often means a larger user community and more mature integrations, though newer entrants may offer more modern architectures.
- Each product has unique strengths: Mollie offers Card payments and iDEAL, while GoCardless provides Direct Debit (SEPA, Bacs, ACH) and Open banking payments. Your choice depends on which capabilities matter most for your workflow.
Feature Comparison
| Feature | Mollie | GoCardless |
|---|---|---|
| Name | Mollie | GoCardless |
| Pricing | Per-transaction | Per-transaction |
| Free Tier | ||
| GDPR | ||
| ISO 27001 | ||
| Open Source | ||
| Headquarters | Amsterdam, NL | London, GB |
| Data Centers | NL, EU | GB, EU |
| Card payments | ||
| iDEAL | ||
| Bancontact | ||
| SEPA | ||
| Klarna | ||
| Apple Pay | ||
| Recurring payments | ||
| Multi-currency | ||
| Dashboard | ||
| API | ||
| Direct Debit (SEPA, Bacs, ACH) | ||
| Open banking payments | ||
| Payment pages | ||
| Retry intelligence | ||
| Webhooks |
Pricing Comparison
Mollie
Per-transactionper-transaction
GoCardless
Per-transactionper-transaction
Compliance Comparison
Mollie
GDPRISO 27001DPA
GoCardless
GDPRDPA
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How to Choose
Your procurement requires ISO 27001 certification
Choose Mollie
Mollie vs GoCardless — FAQ
What is the main difference between Mollie and GoCardless?
Both Mollie and GoCardless are European payment processing solutions with full GDPR compliance. The key differences lie in their approach: Mollie is headquartered in Netherlands while GoCardless is based in GB. Mollie is headquartered in Amsterdam, Netherlands, while GoCardless is based in London, GB. Your choice should depend on your specific requirements for features, pricing, and data residency.
Which is more affordable, Mollie or GoCardless?
Mollie uses per-transaction pricing, while goCardless uses per-transaction pricing. Both use per-transaction pricing, so compare the tiers that match your team size and feature needs.
Are both Mollie and GoCardless GDPR compliant?
Yes. Both Mollie and GoCardless are European companies that store data within the EU/EEA and offer Data Processing Agreements. Neither is subject to the US CLOUD Act or FISA surveillance. Additionally, Mollie holds ISO 27001 certification. For GDPR purposes, either option eliminates the legal risks associated with using US-based services.