The verdict in three sentences
For a B2B company in Berlin in 2026, Stripe wins on features and API, Adyen on high-volume interchange++ pricing, Mollie on multi-method simplicity. The gross fee gap is small, so the real criterion is total cost by volume and your B2B needs (SEPA, subscriptions, marketplace). Choose by use case, not by headline rate.
Fees and timelines: the 2026 grid
The rates below are 2026 order-of-magnitude figures (standard EU card). Non-EU, premium or commercial cards are surcharged everywhere.
| Criterion | Stripe | Adyen | Mollie |
|---|---|---|---|
| EU card fee | 1.4 % + 0.25 EUR | Interchange++ (~0.6 % + 0.11 EUR + scheme) | 1.8 % + 0.25 EUR |
| SEPA Direct Debit | 0.80 % (capped) | Available | 0.25 EUR + % |
| Payout delay | T+2 to T+7 | T+1 to T+4 | T+2 to T+5 |
| Refund fee | Not returned | Not returned | Not returned |
| Chargeback | 15 EUR | ~7.5 - 15 EUR | 15 EUR |
| Support | Self-service | Enterprise account mgmt | Good |
Total cost by monthly volume
At similar rates, the annual gap depends mostly on volume. 2026 simulation on EU card, average ticket 80 EUR, excluding tool subscription.
| Monthly volume | Stripe (~1.4 %) | Adyen (interchange++) | Mollie (~1.8 %) |
|---|---|---|---|
| 10,000 EUR | ~171 EUR | ~150 EUR | ~211 EUR |
| 30,000 EUR | ~513 EUR | ~440 EUR | ~634 EUR |
| 60,000 EUR | ~1,026 EUR | ~870 EUR | ~1,268 EUR |
| 120,000 EUR | ~2,052 EUR | ~1,700 EUR | ~2,536 EUR |
Above 50,000 EUR/month, rates are negotiable with Stripe and Adyen: request a tailored quote rather than the public grid. Adyen typically shines at high volume.
B2B features that make the difference
Stripe dominates the developer ecosystem: Billing (subscriptions), Connect (marketplace), Tax (EU VAT/OSS) and a very complete API. Adyen targets larger merchants with interchange++ transparency, one platform for online and in-store, and enterprise account management. Mollie stands out for its range of European payment methods (iDEAL, Bancontact, SEPA) with fast onboarding. For a marketplace or SaaS, Stripe is the default; for high-volume omnichannel, Adyen often wins on unit cost.
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Mini case study
Stefan, CFO of a B2B distribution firm in Berlin, processes 90,000 EUR/month online, average ticket 320 EUR, needing SEPA Direct Debit for recurring clients.
- Stripe at 1.4 % + 0.25 EUR: 90,000 x 1.4 % = 1,260 EUR + (281 x 0.25) = 1,330 EUR/month.
- Adyen interchange++ (~1.0 % effective at this volume): ~900 EUR/month.
- Shifting 30 % of volume to SEPA (0.80 % capped): estimated saving ~250 EUR/month.
By combining Adyen card + SEPA on recurring clients, Stefan moves from ~1,330 to ~800 EUR/month, saving ~6,000 EUR over 12 months, with enterprise account support for disputes.
FAQ
Which PSP has the lowest rate in 2026? For high volume, Adyen with interchange++ pricing (often ~1 % effective). Stripe is close (~1.4 % + 0.25 EUR) and Mollie slightly above (1.8 % + 0.25 EUR) on EU cards.
Which to choose for a SaaS or marketplace? Stripe, thanks to Billing (subscriptions, dunning) and Connect (marketplace split). Its API and EU VAT/OSS handling make it the default for these models.
Which has the fastest payout? Adyen, with payouts possible at T+1 to T+4, versus T+2 to T+7 for Stripe and T+2 to T+5 for Mollie. A short delay eases cash flow.
Is enterprise support a real criterion? Yes for larger B2B: Adyen provides dedicated account management, valuable on disputes and compliance. Stripe is more self-service with English documentation.
At what volume should you negotiate? From 50,000 EUR/month, Stripe and Adyen open tailored pricing. A 0.2-point gain on 100,000 EUR/month is ~2,400 EUR a year.
Let's scope your project. Share your monthly volume, average ticket and needs (subscriptions, SEPA, marketplace) for a figure-backed comparison. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
