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Synapto vs Mollie, when you want a person, not a portal
Mollie is a clean, European product. This page is for UK businesses that want a named person to phone and a provider that is UK-first.
How Mollie and Synapto compare
| Synapto | Mollie | |
|---|---|---|
| Talking to a person | An account manager you can phone | Chat and email, no phone support |
| Payouts | No first-payout hold. Timing agreed with you up front | Next business day by default, verification can delay it |
| UK focus | UK-first, on UK rails | European-first, UK is one of many markets |
| Pricing | One agreed price, no monthly account fee | Per-method rates plus optional monthly account |
Mollie pricing checked against their public pricing page on 24 July 2026. Tell us if it's changed.
Pick Mollie for European breadth
If you sell across several European markets and want a wide spread of local payment methods out of the box, Mollie is a strong, well-designed option with real breadth there. It also publishes its per-method pricing openly, so if you would rather read the rates yourself than talk to anyone, that transparency is a genuine strength. We are built UK-first, and our pitch is a person on the end of the line. If neither of those is what you are optimising for, Mollie may suit you better.
How to compare on cost
Mollie prices each payment method separately and offers an optional monthly account. We have not reproduced its rate card here, so rather than build an example from figures we have not checked, compare on effective rate.
Take a recent Mollie invoice and add every line: the per-method fees for cards and anything else you take, the monthly account if you pay for one, chargeback fees and any refund charges. Divide by that month's total volume. That percentage is your effective rate.
On our side, the standard rate is 1% + 10p on UK consumer cards and 2.5% + 10p on business and premium cards, with no monthly account fee. As an example only, £50,000 a month in £40 payments, all on UK consumer cards, is 1,250 payments costing £625, an effective rate of 1.25%. Your real figure depends on your card mix and average payment.
What switching from Mollie involves
Price Mollie's lines one by one
Mollie charges per payment method, plus any monthly account. Bring a recent invoice and we price the same month method by method, so nothing is left out.
Check your European methods
If you take European methods through Mollie, we tell you which we cover and which we do not before you commit, so no customer finds a method missing.
Request a card data export
Ask Mollie whether it will export stored card data to a PCI DSS compliant provider. We set up the receiving side and check recurring payments one by one.
Replace the Mollie API calls
Your developer moves from Mollie's API to our SDK on their own schedule, with our payments engineer on hand and your account manager on the phone throughout.
Asked before switching
Yes. You get an account manager and a direct line, not a general queue. That is the main reason UK businesses move to us from a chat-and-email provider.
We go through a recent statement with you on a call, confirm what the same month would cost with Synapto, and handle the changeover with an account manager on the other end throughout.
We cover the methods UK customers actually reach for, cards and Direct Debit, with one partner. Tell us what you take today and we will confirm the fit before you commit.
Ask Mollie whether it will export stored card data to another PCI DSS compliant provider, and what the export includes. We handle the receiving side and tell you which customers, if any, would need to enter their card again.
Mollie pays out next business day by default, and verification can delay it, as the table above notes. Ours is next working day as standard, with no first-payout hold, or faster for an extra 1% of the amount paid out. On default timing the two are close; the difference is the hold and who you can phone about it.
Check whether you pay for a monthly account and how it is cancelled, and keep Mollie open until your last payments there have paid out. We help you pick a changeover date so nothing is paid twice.