Mollie Alternative
1.80% Is Not Wholesale. It's a Markup You Can't See.
Mollie charges one of the highest blended rates in Europe at 1.80% + €0.25 per transaction. That means you're paying the same whether the card costs 0.20% or 1.50% at interchange. Cost+ gives you the real wholesale rate.
HIGH-RISK FRIENDLY
Mollie Won't
Take You. We Will.
explicitly does
not support
'high-risk'
merchants.
If you operate in
nutraceuticals,
CBD,
gaming
or other
specialized verticals,
you won't even
get past their
application
was built for these
industries. Our
ISO status
and
direct banking
relationships
mean we
can provide
stable,
long-term
merchant accounts
where Mollie simply
says 'No.'
For Startups
For Scale
WHY COST+
Every Cent Counts When You're Growing.
WHY COST+
The Biggest Savings Opportunity in European Payments.
At 1.80% + €0.25, Mollie takes a significant bite out of every transaction. On a €50 order, that's €1.15.
Cost+ takes roughly €0.40 of every transaction on an EU debit card.
And unlike Mollie, we don't reserve IC++ pricing for merchants doing €100K+/month. Everyone gets wholesale rates from day one.
Your total cost per transaction with Cost+ is transparent = Interchange (set by Visa/Mastercard) + Card Scheme Fee + our 0.50% margin + €0.15 authorization fee.
And unlike Mollie, we don't reserve IC++ pricing for merchants doing €100K+/month. Everyone gets wholesale rates from day one.
Your total cost per transaction with Cost+ is transparent = Interchange (set by Visa/Mastercard) + Card Scheme Fee + our 0.50% margin + €0.15 authorization fee.
Mollie hides all of this inside a blended 1.80% — and won't give you IC++ unless you process over €100K/month.
Mollie's 1.80% rate is the highest among major European PSPs. If you're processing €1M/year, you're paying ~€20,500 in fees.
With Cost+ IC++ pricing on a typical EU card mix, total fees drop to under €10,000. That's not a marginal improvement — it's transformational. Through direct acquirer partnerships, we pass through interchange at cost with zero hidden markups.
Every Cost+ transaction is itemized: Interchange + Card Scheme Fee + 0.50% margin + €0.15 auth fee. One transparent authorization fee per transaction — no blended opacity.
FEE COMPARISON
Mollie vs. Cost+
Side by Side
Rates, IC++ access, high-risk support, and total cost per transaction across both providers.
Features
EEA Card Rate
Interchange + Scheme Fee + 0.50% + €0.15 Auth fee
1.80% + €0.25 (Blended)
Commercial Cards
Interchange + Scheme Fee + 0.50% + €0.15 Auth fee
2.90% + €0.25 (Blended)
Monthly Fee
€0.00
€0.00
IC++ Available?
Everyone (From day one)
Only > €100K/month
Refund Fee
€0.25
No refund fee (But original fee kept)
High-Risk Support
Specialized / High Acceptance
Not supported
Get quick answers
Take the Short Way
Get to know how to saveup to 40% on payment processing by switching to Cost+’s IC++ model.
Ravn Sebastian Evensen
Jun 13, 2025
“Impressed by their transparent model and value given to high risk merchants! Im using their solution for my business also for B2B.”
IC++ BREAKDOWN
How Our Pricing Works
Every Cost+ transaction is broken down into four transparent components:
Interchange
Set by Visa/Mastercard
Card Scheme Fee
Network Cost
Your Total Cost
Nothing else
0.50% Margin
Our Markup
€0.15 Auth Fee
Authorization Cost
COST+ VS. MOLLIE
Frequently Asked Questions
Blended vs. IC++ rates, commercial card fees, high-risk access, and refund costs compared.
How does Cost+ pricing compare to Mollie's 1.80% blended rate?
Mollie charges 1.80% + EUR 0.25 for EEA cards — one of the highest blended rates among major European PSPs. On a EUR 50 order, Mollie costs approximately EUR 1.15 while Cost+ costs around EUR 0.40 on an EU debit card. At EUR 1 million annual volume, Mollie costs roughly EUR 20,500 versus under EUR 10,000 with Cost+.
Does Mollie offer IC++ pricing to all merchants?
No. Mollie restricts IC++ pricing to merchants processing over EUR 100,000 per month. Smaller merchants are stuck with the 1.80% blended rate. Cost+ provides IC++ pricing to every merchant from day one, regardless of transaction volume.
Can high-risk merchants use Mollie?
No. Mollie explicitly does not support high-risk merchants. Businesses in CBD, gaming, forex, vape, and similar industries will be declined. Cost+ specializes in these verticals with dedicated Merchant IDs and IC++ pricing without high-risk surcharges.
What does Mollie charge for commercial cards?
Mollie charges 2.90% + EUR 0.25 for commercial and corporate cards. Cost+ applies the same IC++ formula to all card types — interchange + scheme fees + 0.50% margin + EUR 0.15 — so the actual cost reflects the true interchange rate rather than a heavily marked-up blended percentage.
How do refund fees compare between Mollie and Cost+?
Mollie does not charge a separate refund fee but keeps the original processing fee on refunded transactions. Cost+ charges a flat EUR 0.25 refund fee (bank cost only) and waives our percentage markup on refunds, which can be more cost-effective for merchants with higher refund rates.
