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All comparisonsUpdated 2026-08-31
ComparisonOnline payment gateway & Tap to Pay (Mollie Tap)

Tapaya vs Mollie

Mollie built its business on online payments and has recently added in-person acceptance, Tap to Pay and a card-reader terminal, rolling out market by market. Tapaya has been Tap-to-Pay-native from the start, for merchants and, as a white-label SDK, for software companies too.

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At a glance

How Tapaya and Mollie differ

Mollie is best known as an online payment gateway, and it has genuinely expanded into in-person payments: Tap to Pay on iPhone and Android went live in Czechia in 2025, and its Tap Terminal hardware has been rolling out market by market since then. Mollie also runs Mollie Connect, letting software platforms embed payments under their own brand, a real alternative to Tapaya's SDK, though Connect's roots and most of its documented reach are still on the online side, with in-person availability still expanding country by country. Tapaya was built as Tap-to-Pay-native from day one, with no separate online product, and its in-person coverage isn't rolling out incrementally, it's the whole product, available to direct merchants and, as an SDK, to software companies from the start.

  • Who it's built for

    Tapaya
    Direct merchants who want to take payments on a device they already own, and software companies that want to embed payments into their own product (POS vendors, vertical SaaS, marketplaces, banks, fintechs, kiosks/ERP).
    Mollie
    Online merchants first, expanding to in-person; also serves software platforms and marketplaces through Mollie Connect.

  • In-person payments

    Tapaya
    Tap to Pay is the whole product from day one, no separate online offering.
    Mollie
    Added since 2025: Tap to Pay on iPhone/Android and a physical Tap Terminal, rolling out market by market — live in Czechia, availability in Slovakia not confirmed.

  • Supported devices

    Tapaya
    Any commercial Android device — phones, tablets, kiosks and enterprise handhelds.
    Mollie
    Tap to Pay on supported iPhone and Android, plus Mollie's own Tap Terminal, Mobile POS Terminal and Fixed POS Terminal hardware.

  • Embeddable under your own brand

    Tapaya
    Fully white-label, your app, your UI, your name end to end. Customers never see Tapaya.
    Mollie
    Mollie Connect lets platforms embed payments with hosted or white-labelled onboarding and a revenue-share model, a real embedded option, most documented on the online side, with in-person coverage still expanding.

  • Pricing

    Tapaya
    One transparent blended rate, from 1.39%, no monthly fee, no lock-in.
    Mollie
    Published in-person rates: no-monthly-fee plan at 1.20% domestic debit or credit, or a €20/month plan (one-year contract) at a lower per-transaction rate; hardware priced separately (from €95).

  • Best fit

    Tapaya
    You're a merchant who wants a transparent flat rate with no lock-in on the phone you already own, or a software company that wants the same infrastructure under your own brand.
    Mollie
    You already use, or want, Mollie for online payments and would rather add in-person acceptance under the same account than run two providers.

Online-first, in-person added recently

Mollie's in-person expansion is real, not vaporware: Tap to Pay landed in Czechia in 2025, and a physical Tap Terminal has been rolling out since June 2025, alongside a broader push to cover all EEA states by mid-2026. Mollie Connect, its platform product, is also a genuine alternative to a white-label SDK, letting software platforms embed payments under their own brand with a revenue-share model. The practical difference is maturity and scope: Mollie's in-person product is expanding country by country, and Slovakia's availability for Tap to Pay or the Tap Terminal specifically wasn't confirmed at time of writing. Tapaya's in-person coverage isn't a rollout in progress, it's the whole product, for direct merchants and, through the same SDK, for software companies from the start.

Where each fits

Choosing the right tool

Choose Tapaya when

You're a merchant in Czechia or Slovakia who wants Tap to Pay on the phone you already own, at a transparent blended rate with no monthly fee, and you don't need a separate online payments product. Or you're a software company that wants in-person payments to be a native, branded part of your own product from day one, not a capability still expanding market by market.

Choose Mollie when

You already run, or want to run, your online payments through Mollie, and you'd rather add in-person acceptance under the same account and dashboard than manage two separate providers. You're comfortable with a plan that includes a one-year contract if you want Mollie's lower per-transaction in-person rate.

FAQ

Questions, answered

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Accurate as of 2026-08-31. Based on publicly available information; all product names and trademarks belong to their respective owners. Comparison based on publicly documented Mollie product and pricing pages as of August 2026; Mollie's in-person product line is expanding quickly, and Slovak availability for Tap to Pay/Tap Terminal specifically could not be independently confirmed. Capabilities, pricing and regional availability change over time — verify current details with Mollie directly.