Mollie Connect

Mollie Connect lets software platforms and marketplaces offer payments and money management to their merchants under their own brand.

Your merchants can create accounts, access finance, get paid online and in person, and manage their money without leaving your product.

Mollie handles the regulated parts: licensing, compliance, identity checks, and risk. This lets you offer these services without becoming a payments institution, and you earn on the payment volume you enable.

These guides are written for developers, product managers, solution architects, and technical teams building on Mollie Connect. You should be familiar with REST APIs and the basics of OAuth. If you are evaluating Connect from a business perspective, start with the Mollie Connect product page.

Choose how deep to integrate: hosted flows on Mollie, embedded components in your product, or API-driven workflows from your backend. Onboarding can be co-branded or embedded in your experience.

Connect merchants with OAuth, onboard them with Client Links, and let Mollie handle payment processing, regulatory compliance, and settlement while you focus on growing your business.

Online and in-person payments and onboarding are available across Europe. Business accounts and growth capital are rolling out by market. Contact your partner manager to check current availability for your markets.

What you can build

Mollie Connect covers the full payment lifecycle for multi-party businesses:

Capability	What it does
OAuth and app registration	Securely connect your merchants' Mollie accounts to your platform with standard delegated authorization.
Merchant onboarding	Verify and onboard merchants through Mollie's business verification (KYB), with automated flows using Client Links and co-branded onboarding.
Payment processing	Accept online and in-person payments on behalf of connected merchants across all Mollie payment methods.
Monetization	Earn revenue per transaction through application fees or resell pricing (Platforms).
Split payments and routing	Distribute funds across multiple sellers in a single checkout, with upfront or delayed routing (Marketplaces).
Balance transfers	Move settled funds between organizations within your Mollie ecosystem.
Reporting	Access transaction-level fee data, holding balance overviews, and settlement reports.

For the entities behind these capabilities and how money moves, see Core concepts.

Platform or marketplace: which model fits you

	Connect for Platforms	Connect for Marketplaces
Best for	SaaS platforms where each merchant runs their own payment operation	Platforms with multiple sellers per checkout
Payment owner	The merchant	Your platform
First-line chargeback liability	The merchant	Your platform
Monetization	Application fees or resell pricing	Commission, by retaining the portion you do not route
Multi-seller checkout	No, one merchant per payment	Yes
Fund routing	Single payout to the merchant	Funds routed to multiple sellers
Delayed routing	No	Yes, up to 90 days
In-person payments	Yes	Yes
Co-branded onboarding	Yes	Yes

Three questions decide it:

Whose name should appear on the shopper's bank statement?
Who will handle payment support, refunds, and disputes?
Do your merchants need to accept payments from multiple sellers in one checkout?

If your merchants accept payments under their own name and own the day-to-day disputes, choose Connect for Platforms. If your platform owns the payment and distributes funds to sellers, choose Connect for Marketplaces.

Connect for Platforms

Connect for Platforms is for SaaS businesses where each merchant runs their own payment operation. Your merchants accept online and in-person payments under their own name and handle their own refunds and disputes, while you earn on every transaction through application fees or resell pricing. Mollie verifies your merchants, manages risk, and provides loss protection for losses a merchant cannot cover, so a merchant's failure is not yours to absorb.

Connect for Marketplaces

Connect for Marketplaces is for platforms that own the payment. You collect from the shopper once, online or in person, hold the funds in a compliant balance, route them to your sellers, and keep your commission as the portion you do not route. As the payment owner, you manage refunds and disputes on your payments, with Mollie's risk management and loss protection behind you. Mollie keeps you out of the regulatory money-flow burden that would otherwise require your own license.

Next steps

Core concepts: the account model, how money moves, and OAuth authorization.
Getting Started: integrate Connect end to end.
Glossary: the shared vocabulary used across these guides.